vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am XXXX and was approved last year for Total and Permanent Discharge of my student loans. XXXX  has removed the loans from my credit report, but after disputing two times with TransUnion they state the loans are correct and due and will stay on the report. 

I have several student loans on my report this is the results of one of the disputes XXXX Reported on XX/XX/2010 {$5800.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: VA

Complaint narrative:
In XXXX I kept receiving daily calls that my carrier Identified as Robo caller with medium level risk. Assuming spam I never answered at first but eventually I did to ask them to stop. Instead I got a lady claiming she was from PNC and asked for sensitive info such as DOB, etc. I told her Im not comfortable giving personal details over the phone, especially with the suspicious caller ID. She instructed me to go to the nearest PNC bank to be told what this is all about. I went to the PNC bank in XXXX, VA and a banker ( XXXX, I believe ) checked my account and assured me that ALL my accounts are in good status and that I can just ignore the spam/scam calls. 1 or 2 weeks later, I got a report from XXXX XXXX that my credit score went down almost XXXX points. I checked back with the branch manager and I was told one of my accounts was NOT on auto pay and hence the calls. 

I tried to get PNC to fix the reporting to the credit bureau to no avail. At this time when looking for mortgage, such refusal from PNC to fix their employees grave mistake will either cost me tens of thousands of dollars in premium interest or even worse having me denied a mortgage all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2019 a hard inquiry was made in my name by a credit card company that I didnt authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has my Membership Rewards account frozen and doesn't let me use my earned points in any way. I have contacted them about this in the past and they stated the points would be released after the 90 day review period that started on XX/XX/2019. That review period is over and the points are still not available. I've had 3 calls from the membership rewards team verifying I'm the person trying to use them and when I confirm it, they're puzzled on why I can't use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear to whom it concern, On XX/XX/2019, I tried to transfer my membership rewards to my authorized flyer account ( XXXX XXXX ), however, I was notified that the system did not allow me to transfer my rewards because my account is " under reviewed ''. I contact the Membership rewards team customer service, they did not give me a specific reason what triggered the review. However, the representative told me it might take 6-8 weeks to finish the review, and before that, my membership reward points are frozen. She also told me if I try to transfer or use my points, the review process will take even longer so I was afraid to use my points during the time. On XX/XX/XXXX, I called the Membership reward team again to ask if my account is finished reviewed by the team and if my points were unfrozen. The representative told me that my account is NOT being reviewed anymore, and he was sure that I can start using my points successfully. On the same day after the phone call, I tried to transfer XXXX points to my XXXX Account through the membership rewards website, but the system still did not let the points go through. I called the general customer team immediately ( because the Membership Reward team was closed at the time ), I told the representative that I was confused because the MR team representative told me I can start using my points but I still can't, and I was also worried that the review process may take even longer because I tried to transfer my points during the time when they are still reviewing my account. The representative told me not to worry because if the MR team gave me the wrong information, they have the responsibility to make the review process shorter. On XX/XX/XXXX, I called the MR team and the representative told me my account was still being reviewed and apologized for giving me the wrong information yesterday, however, there was NOTHING they could do to release my points or make the review process shorter. I am very disappointed because it was not my problem that my account is under review ( every purchase on the statement was normal I really do not know why they are reviewing my account ). Also, the MR team gave me the wrong information causing me trying to transfer my points during the review, which led to a longer time of the reviewing process. I am kindly asking if they can release my points because of the mistake they made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
It all started when Ditech changed my account number, previous to this change, I use to pay my mortgage and insurance together, to that same company. I use to pay XXXX  XXXX every month but with the account change, it made paying my mortgage and insurance difficult. XX/XX/2019, was when my account number has changed for both my mortgage and insurance. I made payment via XXXX XXXX of {$340.00} on XX/XX/2019. On XX/XX/2019, I made two separate payments of {$280.00} for my mortgage and {$75.00} for my insurance via Money orders. with my XXXX payment Ditech combined these payments to my insurance and not my mortgage. On both of these payments I included separate account numbers for my mortgage and insurance. I don't understand how Ditech could have combined both payments, if they both included different account numbers. On XX/XX/2019, I got a notice that I was suppose to include {$15.00} to my payments for accidental death insurance, which I included in XXXX and for XXXX. I also made a XXXX XXXX   payment to Ditech for XXXX for my mortgage and XXXX for my insurance on XX/XX/2019. On XX/XX/2019, I made a payment of XXXX for my combined mortgage and accidental death insurance. On XX/XX/2019, I received a notice from Ditech that I am delinquent on my mortgage for the months of XXXX, XXXX, XXXX and XXXX for the amount of {$1100.00}. I have proof of all my payments and have been losing sleep and being worried since I discovered that Ditech stated that they didn't receive my payments. I have done XXXX inquiries of who and where the Money orders have been sent and it was Ditech that received them. I have lost additional fund doing Money order inquires. I called Ditech been put on hold multiple times or no answers. I am trying to find out where XXXX insurance payment went, because they stated they did not receive it. In addition to all this fiasco, Ditech informed me that starting in XXXX, my insurance is to be paid to another company, world financial. But, according to XXXX payments, they included my mortgage payment in the insurance account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MO

Complaint narrative:
Went away to art school, purchased an international phone plan and was charged anyway. Multiple attempts to dispute it and was not receptive to the communication problems that the sales rep and I discussed. Debt was not properly discussed and international wireless plan was not communicated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit
State: MA

Complaint narrative:
This credit company vw credit inc leased me new car back in XXXX and its brand new and it ghastly full coverage insurance, My father drove it one day and he got into a car accident which totaled the car and the car wasnt drivable with that being said the insurance paid the vw credit inc. and now I see my credit is damaged by them and I kept calling them and once I handle them my information they constantly keep me on hold and the kept adding more money that I owe on the account with the car being totaled my name is XXXX XXXX my social is XXXX and I am furious by the VW CREDIT INC I beg for help because I am trying to build my future and live happily and constantly they are making me upset I hope you feel the frustration I am in, I tried numerous times to dispute it from both XXXX and XXXX and they wouldnt let me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
While my wife, my daughter and I were able to put credit freezes on our accounts with Equifax, XXXX  and XXXX it was much more difficult with Equifax. To perform this task, that seemed simple with the other two agencies, with Equifax it was so much of a problem that I could almost swear that Equifax was trying to prevent us from putting the freeze on our account. We actually had to mail them a good bit of information to prove who we are to get the freeze applied. 
Then just the other day ( XX/XX/2019) my daughter and I had to temporarily unfreeze our report to submit an application to rent an apartment. With XXXX and XXXX   it was relatively easy but with Equifax it was impossible to do without once again mailing them the same information that we sent them before and which made it so difficult to put the credit freeze on our account with them. We were lucky in that that apartment rental agency didnt use XXXX for this credit check or we would have lost the unit in a very tight housing market. 
In summary we believe that XXXX is intentionally making it difficult for non-paying individuals, and this must be corrected. We got lucky with this experience but may not be so next time. Maybe the credit information freeze should be handled by a single third party so an individual like me doesnt have to deal with three separate agencies every time. Thank you for handling this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I was sent funds from a family member and there was an error code XXXX claiming there was some error with the receivers information. I called into customer service after I verified with the sender the info was correct. After still having issues I called back into customer service after I was told to call back with the sender with me on the line. I was on the phone for almost twenty minutes when the rep told me something that made no sense which was that my mother had sent too much money or that I had received too much money and thats why the transaction wasnt going through after knowing that was not a factor since I had not received funds in months I asked to speak to a supervisor. The supervisor got on the phone very nasty, unprofessional and rude and wanted to demonstrate his incompetence by immediately saying he would not speak on a conference call. When I informed him we were already on a conference call with the previous agent for over 15 minutes he began to raise his voice to over talk me and say " you have 5 seconds to hang up the call or I will. '' Then the half bad english speaking " supervisor '' hung up on me and my mother. When calling back to customer service I was placed on endless holds and refused to be transferred to a supervisor. After the third attempt I finally got a supervisor who alleged he had no way of finding the name of the supervisor and that they would review the call history. I spent over an hour going back and for and on hold with western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ascendium Education Group
State: TN

Complaint narrative:
XXXX will not remove after many attempts my credit show i own the over 30k which i dont and it shows duplicate amount, i can prove this the XXXX AND XXXX, MY CREDIT IS RUINED I CAN NOT GET ANY LOANS CARS OR HOUSE, IN A BAD SITUATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a bankruptcy reporting on my credit file and I sent a letter requesting verification in XX/XX/XXXX. The file was verified through XXXX XXXX in XXXX. This issue is that my XXXX XXXX account was frozen in XXXX in XXXX. I just confused how this was verified when this was account was frozen 90 days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax will not remove after many attempts my credit show i own the over XXXX which i dont and it shows duplicate amount, i can prove this the EQUIFAX AND XXXX, MY CREDIT IS RUINED I CAN NOT GET ANY LOANS CARS OR HOUSE, IN A BAD SITUATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I am a senior citizen that did a loan modification during XX/XX/2019 with M & T Bank. I believe I was a victim of an unfair, deceptive act and practice of M & T banks loan servicing department. 
I was told by M & T that I would not receive billing statements right away, but that I should continue to make payments on my mortgage loan, and at some point they would provide me with mortgage billing statements containing the amount due and due date. 
Unfortunately M & T FAILED TO PROVIDE ME WITH BILLING STATEMENTS for the XXXX, XXXX, nor XXXX billing periods so my ONLY OPTION TO MAKE MY MORTGAGE PAYMENT was to call their customer service number and make a payment by phone. They waived the {$17.00} pay by phone fee for the XXXX and XXXX payments. 
However, when I hadnt received my XXXX billing statement by XX/XX/2019 I contacted their service department asking where my billing statement was for the payment due XX/XX/2019. Their customer service representative snidely told me I have plenty of time to mail my payment to them. How can I mail them a payment if they havent provided me with the XXXX billing statement? 
I called them back the following Monday XX/XX/XXXX and asked when I should expect my billing statement for the XX/XX/XXXX payment? They told me at first that my billing statement should have been sent and then informed me that they had not sent it per their records for some reason. XX/XX/XXXX comes which is 2 days before my payment would be late so I call them to tell them that I have not received my billing statement for the payment due XX/XX/XXXX. They tell me that I can make a phone payment, but that it will cost me {$17.00}. I asked them to waive it and they refused so I I had no choice but to make the payment by phone and pay the {$17.00}. 
I am requesting that they remedy the situation for me and that you look into their servicing practices for other seniors as there may be a pattern of deceptive and/or unethical practices. 
Please contact me if you have questions or if anything was unclear. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
There is a bankruptcy reporting on my credit file and I sent a letter requesting verification in XX/XX/XXXX. The file was verified through Lexis Nexis in XXXX. This issue is that my Lexis Nexis account was frozen in XXXX in XXXX. I just confused how this was verified when this was account was frozen 90 days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On or about XX/XX/2018 an i quiry showed up on my reports from a Capitol One Auto Finance in XXXX, TX. I have never heard of this company, never applied for any services with this company, never authorized any credit inquiries from this company. This isnt mine and should not be on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sound Collection Services
State: WA

Complaint narrative:
on XX/XX/2019 a charge had been issued to me in the amount of {$990.00} by the Sound Screening Service with no previous attempts to collect any amount of money and no knowledge of any charges going to a collection agency. XX/XX/2019 the charge has been raised to {$1000.00} still with no contact and no knowledge of what these amounts are for or why they are in a collections agency to begin with. ( the only reason I have these dates and amounts is because I have found them as markings in the collections tab on my XXXX credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On or around XX/XX/2018 a credit inquiry from Capital One Bank USA showed up on my credit reports. I do not know whp this is, have never applied for any goods or services with them and have never authorized any inquiries into my credit. This is NOT mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. Experian required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from Experian on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

XXXX and XXXX  indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
On or about XX/XX/2018 a XXXX inquiry showed up on my credit report from Exeter Finance Group. I do not know who this is. I have never applied for any gpods or services from them and have never authorized any inquiries into my credit from them.

Company response to consumer: Closed with explanation