vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oracle Financial Group LLC.
State: OH

Complaint narrative:
Representative from Oracle group, LLC called my work # ( XXXX XX/XX/18 ) - when he got my voicemail he called back and spoke with the receptionist and said he wanted me paged. She refused and gave him to my voicemail ( Said his name was XXXX ) I called back at XXXX XXXX  and spoke with Mr. XXXX and asked him to identify what company he was with which he then went into " There is an open investigation on you ''. At that point I told him not to call my work number and not to contact me as I will not be threatened. He then called my cell phone at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, from XXXX and XXXX XXXX, XXXX XXXX & XXXX XXXX  from XXXX. ( 8 times ) and also my work # ( after I said do not call it ) at XXXX XXXX. He started with a threat and ended with harassment. He did leave a message on my voicemail at work which I refused to listen to as I felt harassed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have filed multiple disputes with Equifax in the past for the following accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX On XX/XX/2018 I sent a method of verification letter to Equifax via certified letter, and on XX/XX/XXXX that letter was delivered. It has been past fifteen days and I have not received any information verifying these accounts. I am interested in their verification methods for many reasons. For instance, I have filed multiple complaints thru Consumer Financial Protection Bureau and each time I receive a response stating that XXXX XXXX XXXX did not respond to the complaint. I also have tried to contact them myself. I have not been able to talk to anyone about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Someone used my identity to order some phones from XXXX XXXX. They used the wrong birthday. At the time of this order I was only XXXX years old. They have seriously ruined my credit.

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 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion credit reporting agency is failing to report our mortgage on our credit report. XXXX XXXX has reported the account to all three credit bureaus and all are displaying the account correctly except TransUnion. It has been over 90 days since XXXX XXXX began reporting the account once again. We can not actually dispute this with TransUnion because the account isn't visible on the report. Both XXXX & XXXX almost immediately began reporting on this account. Why is TransUnion not doing the same? 

The fact that this account is not appearing on our credit reports is affecting our credit scores and has prevented us from getting credit on at least one occasion.

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 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i have repeatedly via web requested for a credit report. every time i have been denied and told to call. i have called and sent requests and all are denied and will not allow me to get a copy of my my report. i am tired of it. i have answered every question and i know they have verified me cuz other credit report places have told me so and still they deny me. why?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: NY

Complaint narrative:
i was living in XXXX and went i get back to XXXX i found all this on my credit report i need help from u companyto help me to remove this information from my 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 2018-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Holding My Money Causing Non-Sufficient Funds On XX/XX/2018, I transferred {$3400.00} from my Bank of America ( BOA ) checking account # XXXX to my BOA Over Draft Protection Account # XXXX. ( See Exhibit 1 ).  This shows Payment Date XX/XX/2018 but not credited until XX/XX/2018. ( See Exhibit 2 ). BOA held or froze the {$3400.00} in my checking account and I was unable to use this money, causing 5 Non-Sufficient Fund ( NSF ) BOA charges totaling {$150.00}, plus having late charges with at least 1 of my creditors. ( See Exhibit 3and Exhibit 4 ). BOA Account Detail shows the money was taken XX/XX/2018 and not XX/XX/2018. ( See Exhibit 5 ). If this was the case, then the {$3400.00} in my checking account should have be availably to use and I would not have these NSF or Late Payments hurting my credit score.

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 monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Since XX/XX/XXXX I have trying to correct the information on my report. Equifax refuses to correct the information. After several letters and me sending in the necessary documents. Birth certificate, driver license, passport, bank statement, utility bills etc they still have not corrected the inaccurate information. 

They are continuing to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had an identity theft for a loan at Capital One Bank. I never received a loan from Capital One Bank. I have been trying to dispute this loan for over a year. Capital One said it would be removed from record because it was fraud. I have filed several disputes with XXXX and they assured me that the account would be removed from my credit report. It has remained on my credit report I notified XXXX that it was still showing a balance and they said they would take care of it. As of today, I am still receiving credit alerts showing that my credit score has decreased more because XXXX XXXX XXXX  flagged my XXXX account which is not my account and was done through identity theft which was reported to XXXX XXXX XXXX  in XXXX XXXXToday XXXX reports that my account at XXXX XXXX XXXX is 60 days past due. I tried one more one more time several weeks ago to file a dispute on line about the fraudulent Capital One account continuing to show as " negative '', showing a balance and showing payments late on my XXXX  report. I was refused another dispute, instead a notice showed up saying I have reached my number of limits to dispute this account and the account has been closed. 
I first filed the complaint with CFPB  on XX/XX/2018. My grandmother was trying to help me and gave the person on the phone the information about my situation. He put her name on the complaint and sent it to XXXX and Capital One after she asked him if they would accept it with her name on it and he said yes.They sent notice that it was closed because she was a third party filing it. I received a letter from Capital One stating I could call and have my grandmother put on the account so she could speak with them. I called last week to put her on the account. The rep was very rude and said the case had been closed and therefore he could not put her on it, even after I explained I had receiving a letter just the last week advising me that I could do it. This has been the most frustrating, over a year long, stressful thing I have tried to do. It is unacceptable that someone can fraudulently charge something in my name and it goes on my credit report and it obviously takes an act of Congress to get them to actually take it off my credit report. And you are an act of Congress ( establishing your agency ) and I sure hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: NY

Complaint narrative:
i was living in XXXX and went i get back to XXXX i found all this on my credit report i need help from u companyto help me to remove this information from my 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 2018-09-06 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: NY

Complaint narrative:
i was living in XXXX and went i get back to XXXX i found all this on my credit report i need help from u companyto help me to remove this information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: MS

Complaint narrative:
I am a federal worker and qualify for the student loan forgiveness program.I submitted the original certification form on XX/XX/XXXX and a recertification form on XX/XX/XXXX. I have not received any information and/or notifications on my correct payment count. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this issue has not been resolved. Each representative keep informing me that the process takes up to 90 day ; however, it's been almost 20 months since the original form was filed. I am trying to ensure that the correct count is made and that they are not trying to force me to forgo the forgiveness process. No one at XXXX are wiling to help me. They just keep telling me that they will resubmit the forms. I have no clue what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Since XX/XX/2018 I have trying to correct the information on my report. Transunion refuses to correct the information. After several letters and me sending in the necessary documents. Birth certificate, driver license, passport, bank statement, utility bills etc they still have not corrected the inaccurate information.

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 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Problem is BBVA Compass Bank explicitly told me it takes them two days to process a payment. ( the representative told me this ) so if the due date is XX/XX/XXXX, and my banks online payment check arrives on the XX/XX/XXXX, the two days of processing incurs a late fee even though the payment arrived on time, the XX/XX/XXXX. In order to avoid the late fee, they claim I need to have the payment arrive two days BEFORE the due date. 

Most recent example was this : My bank 's online check ARRIVAL date was set two days prior to BBVA Compass Bank 's due date of XX/XX/XXXX. So the check arrived on XX/XX/2018 which is a Friday. The payment finally posted to my BBVA Compass Bank account on XX/XX/XXXX. XX/XX/XXXX is a Saturday, the XX/XX/XXXX is a holiday the XX/XX/XXXX is working day and they post the XX/XX/XXXX. {$37.00} late fee is charged. 

This is the fourth time I have called BBVA Compass Bank on this problem. They can not have a certain due date, then claim it takes two days to process and charge a late fee. They need to have the late triggered two days AFTER the due date if they want to process for two days. 
I called BBVA Compass Bank and they reversed the fee but charged a minimum {$1.00} in interest fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Nation star mortgage company became Mr. Cooper. I had a mortgage with nation star and nation star was reporting to the credit agencies when it became Mr. Cooper then Mr. Cooper was reporting to the agencies simultaneously with nation star. After checking my credit report I saw that it look like I had two mortgages one with Mr. Cooper and one with nation star with the exact same information. I called Mr. Cooper and they told me that it was illegal to report under two different names. My credit report shows the exact same information from nation star And Mr. Cooper. Mr. Cooper refused to do anything about it. I saw this on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Service Finance Holdings, LLC
State: TX

Complaint narrative:
I worked with a company to install a patio on my home at the time and the builder secured the financing for me. After, the work was completed a representative from the builder had me sign paper work verifying it was complete and contract for the financing. The paper work was very general to a normal installment loan. This was XX/XX/XXXX. I sold the home in XX/XX/XXXX paid the loan off in XX/XX/XXXX. There wasn't a lien on the property at the time the home was sold. 

I'm currently trying to close on a new home purchase with FHA financing and have learned that this account has been reporting a mortgage type account. The financing paper work doesn't say anything as a mortgage type account. This was never explained to me at any time by the financing company. This was also completely new to the builder as well. I didn't receive any disclosures stating this was a mortgage type account. The loan on the paper work shows a Home Improvement Installment loan. I was under impression that this loan was just a traditional installment loan that was secured by the materials used to build the patio. Again, for years there wasn't a lien on my property. Because of the way this loan is reporting to the credit bureau my mortgage lender can't get approval for me loan. I literally ready to close and this has delayed the process. Everything including the appraisal and title work has been completed. 

I have contacted both the creditor and filed disputes with the credit bureaus. I haven't had any success with getting the account to changed to something other than a mortgage type account. The financing company has provided a letter to state that it's not a mortgage account, but has not changed it with the credit bureaus. The lender needs it changed with the credit bureaus. The financing company is blaming it on the tri-merger report, but it clearly shows as a mortgage account directly with the credit bureaus. 

The financing company is stating that they're reporting correctly, but this it's the case and that's why they gave the letter. The company mentioned the Fair Credit Reporting Act, but failed to explain everything to me as the consumer. I think the financing company failed to inform me and the builder at to how this financing is setup. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a XXXX from a dealer in the XXXX area via lease on XX/XX/18. I was given a 30 day temporary license plate as is customary until title could be transferred or given to me. It has been almost 3 months since the purchase date and I have not received the title form Jeep and in turn have not been able to get a license plate or legally drive the car. As a result of XXXX 's inability to send me a proper title and within a sufficient time period, I have been unable to drive the car. I have called XXXX as has the dealership for 3 months to get title and due to their complacency or inability I still have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I have a First National Bank ( First Card ) XXXX  XXXX credit card. My XX/XX/XXXX statement showed a {$59.00} annual fee. I called customer service on XX/XX/XXXX and told them to cancel the card as I was not interested in paying a {$59.00} annual fee to keep the card active. They said that they would cancel the card but that I would still owe the {$59.00} annual fee. I do not understand how that can be possible when I am cancelling the card. They said it is their policy that once charged, it can not be waived. Supervisor XXXX confirmed this policy. They claimed I was notified of this in my XX/XX/XXXX statement. I had NO activity during XX/XX/XXXX and did NOT receive an XX/XX/XXXX statement, nor does one appear on my " on line '' account. No XX/XX/XXXX statement  was generated, so I was not notified of their unreasonable policy prior to being charged. She could not explain that flaw in their system. The credit card was cancelled on XX/XX/XXXXbut they insist on leaving the annual fee on my account. In my many years of using credit cards, I have never had to pay an annual fee when cancelling a credit card within 24 hours of the fee being charged to my account without notice or approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have filed multiple disputes with Transunion in the past for the following accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX XXXX On XX/XX/XXXX I sent a method of verification letter to Transunion via certified letter, and on XX/XX/XXXX that letter was delivered. It has been past fifteen days and I have not received any information verifying these accounts. I am interested in their verification methods for many reasons. For instance, I have filed multiple complaints thru Consumer Financial Protection Bureau and each time I receive a response stating that XXXX XXXX XXXX did not respond to the complaint. I also have tried to contact them myself. I have not been able to talk to anyone about the account. Also, they allowed XXXX XXXX Loans to make three changes to my report within a ten day time period.

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 2018-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found late payments dated : XX/XX/XXXX/XX/XX/XXXX I am not sure how this happened I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

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 2018-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Loss of family and employment

Company response to consumer: Closed with explanation