vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently sold a home that was for sale through a divorce. It was on the market for about 3 years. I have been waiting and waiting so I could buy a home for my grandson and I. 

Just Monday, my account showed closed and paid on my Transunion credit report. I belong to XXXX XXXX, so I monitor my credit sometimes daily. I also noticed on Monday, my score dropped 45 points!!! On my Transunion report, the reason it showed was my Mortgage account was paid off. That seemed incorrect obviously, so I called on Tuesday to speak with them directly because I am trying to buy another home and this is going to impede me from being able to do so. 

When I spoke to them, they told me that with my mortgage, I had a " good mixture '' of accounts and now I only had credit cards and an auto loan. Also my mortgage account was 15 years old, so now that my mortgage had closed, my other accounts weren't as seasoned. 

I explained a FICO score dropping that significantly would be suggestive of a foreclosure ... ... my home was PAID OFF. I don't have collections, all of my accounts are in good standing ... ..I told him this was ridiculous and I wanted it taken care of. He told me the only thing they could do for me was to send me a free copy of my credit report. 

Last week I was offered a refinance for my car at 4.9 % and now that offer has changed to over 7 %. I explained to the guy that now Transunion is costing me money and in control of the interest rates I am charged all because I did something great and paid my house off!!! That doesn't make any sense. How many other people are they keeping from purchasing homes or vehicles? How many other people are being overcharged in interest because the credit bureaus are being able to determine their credit score unfairly?? 

This can't happen ... ... this inhibits our economy, our lives, and keeps us from being able to save money. This is unfair, deceptive, and fraudulent business practice.

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 2018-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I had received advice from my previous lender to transfer my loan to XXXX XXXX to monitor my progress with the PSLF program. I did so in XX/XX/XXXX. I waited very patiently to have the number of qualifying payment calculated and uploaded on my account. When they were finally uploaded the numbers were drastically lower than they should have been. I have been making qualifying payments since XX/XX/XXXX with only a handful of months in forbearance due to delays in processing IBR eligibility and one late payment. Therefore my estimated eligibility date should only be a few months after XX/XX/XXXX. When I called XXXX servicing about this they told me it was likely due to a prepayment and they would recalculate my qualifying payments. By then it was XX/XX/XXXX and I was told it could take up to three months. Once the three months was nearly completed, I called and was told it would take three to six months. Today I called and I was told it could be up to nine months. In total I have waiting nearly a year and I have not received an accurate count of my qualifying payments. I understand there are many such requests but not having the staff required to service this loan properly is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX credit card ( XXXX XXXX ) charged off my credit card account on XX/XX/XXXX to Portfolio Recovery. 

Portfolio Recovery relisted my account as Delinquent on XX/XX/XXXX for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I  replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I  replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dickinson Financial, LLC
State: UT

Complaint narrative:
This debt had a judgement placed against it originally XX/XX/XXXX. I made several different payment arrangements with this creditor and was paying $ XXXX/month as well as other random amounts from the time of judgement until XX/XX/XXXX. This was an auto payment coming out of my account but apparently it lapsed in XX/XX/XXXX. In XX/XX/XXXX I contacted them and when discussing the last payment I asked for information regarding the original amount of the debt, the amount I had paid thus far and how much more remained in the balance. I was told I would be sent an email detailing this information. I have never received an email from them and it now almost XX/XX/XXXX. I have not received a call back despite leaving a voicemail for XXXX, with whom I've been working. They're website where you make a payment also do not show remaining balances or something showing you how much has been paid so far. I feel that after 8 years paying on something that was originally a less that {$2000.00} debt, I've more than paid this off. I want it off my credit and for the account to be closed and no longer have a negative impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Darnel Quick Recovery, Inc.
State: GA

Complaint narrative:
I received my credit report and notice debt from this agency on XX/XX/XXXX. In XX/XX/XXXX, I wrote a letter and sent it certified mail asking for proof that this was my debt and where I owed the company. The company failed to respond sending the information I requested. In XX/XX/XXXX the company had yet to respond so I sent another certified letter requesting this information to be validated and since it could not be validated to be removed from my credit report. The company will not respond to any of my requests nor follow up and the debt is in the amount of {$150.00} from XXXX XXXX XXXX from XX/XX/XXXX. 1. This balance was paid in full by my insurance company before XXXX XXXX XXXX closed. 2. The hospital was purchase by XXXX XXXX and they did not update my account information to show paid in full. 3. All of a sudden no one can find my bill nor services from that date in XX/XX/XXXX. 4. This company wrote me out a hand bill physically which does not prove anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I contacted this credit bureau to have inquiries removed that were not mine. There are a list of inquiries most of which are duplicated on my report. Please instruct the bureaus to remove these fraudulent inquiries as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
CMRE has been sending me detailed records that appear to be numerous HIPAA violations. They have been sending me detailed information regarding procedures, and have even alluded to medical issues when they have attempted to call. I do not understand how they were provided this information, as I never saw the doctor 's listed, so I never would have signed a HIPAA notice. Either they are allowing other people to enter my information as fraud, or they are just outright violating my rights. Every single piece of paper they send is getting sent to the doctor 's office that is below my address. I am XXXX XXXX XXXX XXXX which is what my license says. Yet, there envelopes get delivered, UNSEALED, to the doctor 's office below me. This is causing even more violations as they are not taking care to protect my CONFIDENTIAL MEDICAL HISTORY!!! They have also been ending this paperwork to XXXX XXXX XXXX, which appears to have something to do with my husband 's past employment. Interestingly enough, they have now been calling asking me to pay the bills, so they can stop being contacted. This again, is a clear misuse of your provided allowances, and a complete disaster for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Dear sir or madam, I opened Wells Fargo everyday checking on XX/XX/2017. At that time, Wells Fargo bank had a promotion to open a checking account. It states that within 150 days of your account open date, your account must receive total qualifying direct deposits of at least {$500.00} per month for 3 consecutive months. We will deposit the {$200.00} checking bonus into your new checking account within 45 days after eligibility and qualifications have been met. 

I met these promotion conditions and did not receive the {$200.00} bonus within 45 days. Therefore, I called Wells Fargo customer service and spoken to a supervisor. She reviewed my account carefully and told me that I have met promotion conditions and I will receive the {$200.00} bonus within 14 days. After 14 days, I still didnt receive the bonus and then I received a letter from Wells Fargo and mentioned that I am ineligible for the promotion. This is contradicted what the customer service supervisor told me. And I believe that I have met all Wells Fargo promotion conditions. 

Please help me to investigate what happened, let Wells Fargo honor what they promised and deposit {$200.00} bonus to my checking account. 



Thank you very much for your help! 
XXXX XXXX

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 2018-05-30 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used to apply for a XXXX XXXX XX/XX/XXXX and another application was submitted to XXXX XX/XX/XXXX. Official disputes were sent to each XX/XX/XXXX and as of this date no reply to the results of the investigation have been received. This is a violation of FCRA.

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 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have two CC with one company. Back in XX/XX/XXXX some charges were made that I did not realize till XX/XX/XXXX this account was used by my daughter for college. I have been unable to get the five charges removed and stopped my payments. I will pay the penalty but I was frustrated with the lack of consumer services when contacting the company. In XX/XX/XXXX I finally got a person from the company to assist me and agreed to make a payment that would pay off the credit card. The company did not apply the funds to the credit card in question but to the second card. I was under the understanding that at that time I had a XXXX  balance on that credit card if the five charges were successful. Last week I received a notice in the mail that the cc in question now had a balance of four hundred dollars more then what I paid off. Another words my payment was for XXXX dollars and now I have a XXXX debt on this cc.

The second cc I stopped payment on because of the slow crediting on my account that more then once took more then a week to post and allowed the company to charge additional rates. One week after I sent them a XXXX dollar payment they claim I owed them the additional money even though the company held the funds and did not post them to my account until after the late fees could be applies.

I have not made a payment yet and have not been successful in communication with the company. Until I can get the first cc straightened out I do not plan on paying another cent to the company.

I have not used either cc for months and have since destroyed them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX XXXX is the credit card for hundreds of retailers, and I have two active cards with them that are in good standing and are account I have had for a long time in good standing. I realized I missed my {$27.00} payment to XXXX XXXX XXXX  due on the XXXX or XX/XX/XXXX, and I proactively called into the XXXX number to let them know I would pay it on XX/XX/XXXX. So less than two weeks late. The girl told me there would still be a late fee, and I know that is the case. I called in around the XXXX or XX/XX/XXXX. Starting on XX/XX/XXXX up until now as I am writing, I have received THREE calls per day from XXXX XXXX, mostly all different phone numbers, but all saying XXXX. Maybe they are call centers all over with all different numbers. I am not answering the calls because they are calling about the {$27.00}, but I already called in proactively and set up a payment with them. They called on Sunday and on XXXX XXXX, too. I am thinking this is very very excessive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently tried to refinance my mortgage. I have a FHA backed loan with an FHA case number. Chase told me that the loan was not an FHA loan, but I sent them documentation showing that I had an FHA case # attached to my statement years after the loan closed. I also had the HUD-1 that proved the same.

The loan officers proceeded to tell me it was showing FHA, but they couldn't find the case number. I've been getting charge PMI on the FHA loan since XX/XX/XXXX, but they couldn't refinance as FHA. Instead of investigating further, the loan officers just repudiated the loan. The loan officers are XXXX XXXX NMLS ID # XXXX and XXXX XXXX.

Please look into this case. Before contacting a lawyer about this, I would like to see if Chase can get this resolved internally. There seems to be something dubious about this to me.

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Hello.

I am writing about a student loan that has been paid in full for over 2 years now.

The account status from just Equifax appears as " Open '' and in " good standing '', with a balance of {$760.00}.

I have filed 4 disputes, which were quickly returned with the results indicating everything is correct ...

I have provided official loan fulfillment letters from both the college and loan servicer company indicating there is no balance, and it has been closed long ago.

I have spoke with representatives from Equifax on the matter as well, and was told that my dispite will not be personally reviewed.

There MUST be a technical issue, which has caused me to chase my tail for far too long.

I have all the documentation on demand ; i will also attach it.

Logically there is no way this account is still active, as I have not made a payment in over 2 years!

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I requested a copy of my online application used to get this credit card XX/XX/2016. 
Did not receive it. 
I would like a copy of my online application used to get this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my new checking account and the offer was to receive a new account opening bonus after 60 days of completing offer. I opened the account mid XX/XX/XXXX and fully funded the account Mid XX/XX/XXXX. I called to inquire about the status of the bonus last week around XX/XX/XXXX and they told me it would be ready in 2 more days as it would pass the 90 day mark. I called today XX/XX/XXXXand now another phone representative is stating i have to wait another month. It seems they do not know and understand the products they are selling and giving me the roundaround. If two employees tell me two different things then who's information am I suppose to respond too.

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 2018-05-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: NY

Complaint narrative:
In late XX/XX/XXXX, I was notified through XXXX XXXX, that XXXX XXXX  had placed a collection item on my credit report. I called XXXX  and spoke to a representative. I advised them that I have not been a student in near 18 years and was unaware of any private loans or balances owed to anyone. The woman stated the only information she had was that the account was purchased in XX/XX/XXXX. I requested verification of debt. I have never received such. I disputed the account through XXXX XXXX and the account was removed from my credit report. I have now been advised again that they are reporting this debt. I am unaware of any outstanding debt owed for higher education. Furthermore, I have never received VOD upon request to the company. The Company, in effort to avoid illegal practices under the FCRA and FDCPA are placing an account with an open date of XX/XX/XXXX. If there was a higher education debt, it would most certainly be time barred as I have not been a student in nearly two decades. The company would be manipulating the date of the account in order to credit report it. This would be a direct violation of the FDCPA ( deceptive means ) and the FCRA ( manipulation of date ). I Demand the account, without negative effect or notation, be removed from my credit reports immediately. I have suffered damages as a result of Deville 's illegal and unfair practices.

Company response to consumer: Closed with explanation