vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-09 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: KY

Complaint narrative:
l work hard to keep a good credit history, but for the last few months l can not get the Trans union credit report and the credit card XXXX XXXX XXXX  to up date my monthly payments, now it has been effecting my credit score this is not fare, l have contacted both and slow is the only progress they both say it is the Trans union say XXXX updates certain time, the XXXX say they updated my information on time yet l am losing points and updates are not being in time cause when my credit is updated even after l had make payments it has not show up correct amount, there for it said is why my score is going down, l am at the point l am ready to take legal action

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 2019-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has agreed to re-open my CFPB complaint # XXXX. 
Dear Customer : As part of our commitment to make ting right for customers, we are contacting current and former customers of Wells Fargo who may have submitted a complaint to us, the Consumer Financial Protection Bureau or another government agency about receiving an unwarranted consumer or small business product or service sold through a Wells Fargo branch. We want to ensure you are satisfied with how your complaint was resolved. We are here to help. If you submitted a complaint about an unwanted consumer or small business product or service and feel your complaint was not fully addressed, please contact us at XXXX XXXX, Monday -Friday XXXX to XXXX Eastern Time. Thank you. Sincerely XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have contacted Wells Fargo and they have assigned me new case number XXXX. Any questions, please call me at XXXX XXXX. Thank you. XXXX 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 2019-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Holiday Finance Corporation
State: TX

Complaint narrative:
I continue to receive calls from this debt collector to me, all persons listed as references, my employer, colleagues, as well as my family and friends not listed as references, even after sending 2 letters to stop such calls and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
The company is XXXX. XX/XX/XXXX I notified them in writing and verbally via phone. I replaced service provider XX/XX/XXXX and will not have the physical connection open with them but will keep the email active and open until XX/XX/XXXX. They billed be properly and it was paid. In XXXX, XXXX XXXX stopped billing because they were paid through XX/XX/XXXX. I received horriable calls from their sales people on recorded lines we want to keep your business but you need to call us. Sorry No you are the sales person, I do not call you. Then in XXXX XXXX I received a call from another company who wanted XXXX 's equipment back. I verbally and via email s end them the documentation their equipment was returned back in XXXX and I was credited back in XXXX for their equipment. In XX/XX/XXXX they sent me a bill, but my service is terminated as of XX/XX/XXXX. I wrote with the documentation to the Office of the President as clearly XXXX is not documenting their records. Now a XXXX is sending what looks like a collection attempt via email, does not state who they are collecting for but their digital trail states it is XXXX. A real collection agency following the rules needs to disclose who they are collecting for and this alleged company is not. I have made many calls and emails and now letters to XXXX and they properly stopped billing and cancelled the service XX/XX/XXXX but now they are relentless. 

I do not hide like the President of XXXX hides and is not reachable via phone nor is any of his staff every available to be reached to resolve issues. XXXX leaves email accounts open as they sell data and it is a profit center to allow the emails to keep on coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I received a federal loan and Navient is the liaison on XX/XX/XXXX. Last month on XX/XX/XXXX and XX/XX/XXXX for amounts of {$700.00} and {$600.00} respectively. I checked my account today on XX/XX/XXXX to make another payment and was surprised to see my unpaid interest was significantly higher than I expected. My payments were never processed for that loan. I have attempted to contact them and have not received an explanation as of yet. In searching for help with this, it appears I'm not the only one with misallocated payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I called several different times to start a deferment and was approved for information to be corrected by navient about late payments. But when I look on my credit report it says different causing my score to change. It looks like lve been missing payments. When I was told I had a certain amount of time to pay or submit proper documents about my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: OR

Complaint narrative:
The nature of the compliant and/or Problem : XXXX XXXX of Guild Mortgage conducted a bait and switched on the client : XXXX XXXX for financial gain. As per Ms. XXXX, she was informed by Ms. XXXX that she was Pre-Approved for a FHA loan for her condo purchase. The client had $ XXXX for down payment, yet she was stirred into a Hard Money short term investor loan. The clients understanding at that time about this tactic and hard money loans was nonexistent. If the client was provided all of her viable options at that time, this situation could of have been avoided. 

The supporting documentation is for visual illustration and review. The client is seeking action against all parties listed. The client has a scheduled foreclosure sales date of XX/XX/XXXX. The client would like to see the foreclosure postponed, delayed and investigated. The client would like to conference with you regarding this matter if required. 

Application date : XX/XX/XXXX Mortgage Amount : $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My monthly student loan is approximately {$90.00} per month. Around XXXX 2017 I made a conscious decision to try to pay off my loan a little faster. So I contacted Navient and explained to them that I want my additional payments applied to my principal. They stated that they would do it but a few months later when i checked back my loan did not decrease it was practically the same. I called back and they said it was applied to future payments and i explained again that i didnt want it applied to future payments but applied to my principal but to this day they are still applying it to future payments and not my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: Capital Accounts, LLC
State: SC

Complaint narrative:
I have asked Capital Accounts, on at least three occasions, to sent me a detailed statement of account which shows : Date of Services Detailed Services Provided Insurance Payments ( XXXX XXXX ) Received My payments received So far, I have not received any of the above information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: LEXISNEXIS
State: OH

Complaint narrative:
I have some addresses on my file that do not belong to me I am a victim of ID theft and I need these addresses removed they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/2019 at XXXX at XXXX a company by XXXX has stolen my money in the amount XXXX from my bluebird account with out my permission i don't know who these people are or what they are they took me royally and dearly this is my social security account they took from i need help. I filed with the FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: Innovis
State: OH

Complaint narrative:
I have some addresses on my file that do not belong to me I am a victim of ID theft and I need these addresses removed they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I got a XXXX XXXX XXXX card to use at the XXXX XXXX XXXX XXXX in XXXX XXXX, however they closed without any notice to members are even to workers. I use to pay in the store and had great use for the card at that store, however I ended up losing my job on last year and unable to make payment. I tried making payments online and my account has been sent to a collection agency by XXXX 's XXXX named XXXX XXXX. XXXX XXXX XXXX never notified me of this information. I received a letter today from XXXX XXXX. I think that it is unfair to me that I never had the opportunity to work any type of payment plan and was not notified by XXXX XXXX XXXX. I only got the card because of one location that I used in XXXX however it is closed. XXXX XXXX XXXX did not hold its end to my credit card agreement with notification of services and limited services in my city.

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 2019-03-09 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: OH

Complaint narrative:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH   XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Amcol Systems, stating the {$190.00} debt is not mine and of fraudulent activity. I did not receive a response from Amcol regarding the letter sent on XX/XX/XXXX. I sent a letter to XXXX, regarding Amcol Collection Agency, stating the debt is not mine and of fraudulent activity. XXXX sent a file back to me stating the debt was verified and no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: OH

Complaint narrative:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX WAY, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-03-09 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: OH

Complaint narrative:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OPERATOR, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CITIBANK TREATS ME HORRIBLE THEY HANG UP THE PHONE ON ME THEIR APPLICATIONS DEPARTMENT IS RUDE AND XXXX  AND SUPERVISORS EVERYONE THIS COMPANY HAS TO BE RESEARCHED AND INVESTIGATED THEY TREAT ME HORRIBLE THEIR XXXX OFFICE DOESNT CARE ABOUT MY CASE THEY THINK ITS RESOLVED WHEN THEY DID NOTHING FOR ME THEY HAVE A LADY XXXX XXXX SHE REFUSES TO RETURN MY CALLS OR ANSWER OR CALL ME BACK I WAS DECLINED FOR A CREDIT CARD ITS NOT FAIR I NEVER FILED BANKRUPTCY WITH THEM BEFORE OR WAS CHARGED OFF OR LATE AND THEY SEND ME A LETTER SAYING MY CREDIT PRIVILIGES ARE RESTRICTED ITS NOT FAIR I WAS DECLINED FOR MY XXXX ONLY FOR THIS REASON BUT IF I APPLY FOR ANOTHER XXXX XXXX  I AM NOT GIVEN THIS REASON ONLY THIS CARD ITS NOT FAIR IM A MEMBER OF XXXX AND ALLOWED TO HAVE THEIR CREDIT CARD HORRIBLE EXPERIENCE

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 2019-03-09 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}

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 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
The situation is as such : 1- I used XXXX XXXX credit card checks ( 0 % APR until mid-XXXX ) to the amount of {$20000.00} 2 - I continue to use my credit card for purchases, but ensure that I am paying off *more* than my full amount every month. 

I noticed that I am continuing to incur interest charges every month, and upon calling XXXX ( twice, last being on XX/XX/XXXX ) was led to believe that I would continue incurring these charge, should I use the credit card for purchases, at the rate of 16.24 % I believe that as per the Credit Card Act of XXXX ( 15 USC 1666c ( b ) ( 1 ) ) " In general Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' Based on this law, any payments I make including my full monthly bill plus minimum payment should be going towards my higher interest rate, i.e. the purchases made every month. 

I was told on the phone ( twice ) that I would continue incurring charges for purchases I make, even IF I make payments that exceed the above-mentioned amount. I was told that the only way to stop incurring said interest fees at 16.24 % is for me to pay up the {$20000.00} + purchases in full, or to stop using my credit card for further purchases.

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 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an account with Capital One Their was a late reporting on this account in XX/XX/2014 I spoke with to a supervisor her name was XXXX XXXX was her badge number. She gave it as a reference and told me the late on the account would be removed, I recently pulled a credit report the late is still reporting on my account. I need this late removed as the supervisor promised.

Company response to consumer: Closed with explanation