vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an account with US Bank and promptly deposited a personal check from my uncle to help me cover bills from my recently ended unemployment until my first paycheck arrived. I was assured there would only be a three day hold when I deposited the check on XX/XX/18. It is now XX/XX/18, a freeze has been placed on my account, I've been accused of fraud, I've had to leave work early to meet that branch during their office hours and still have received no solution. They will neither let me have my funds nor close my account. As a result, bills have bounced and I've had to address issues with creditors. I have called their 24 hour hotline and they still refuse to help me and insist I go to their branch during business hours.

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 2018-10-31 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I filed an initial complaint on XX/XX/18, complaint # XXXX-XXXX with your organization, in which I disputed two payments GM financial reported as missed on my credit when payments were made. I received notice from CFPB that the company stated credit would be repaired and missing payments removed. They were removed and my credit was repaired on XX/XX/18. I considered the matter closed. Now on XX/XX/18 GM financial is now reporting XX/XX/2018 as a late payment and still reporting XX/XX/2018 as a missed payment when their response said that would be reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was contacted by XXXX XXXX XXXX stating that I owe a student loan debt. They have no paperwork as to how they arrived at this astronomical sum. I requested paper work and they said they would send it. They did not and proceeded to garnish my wages.

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 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank advertised a non-targeted promotion of opening an account package ( checking and saving ) with required activities ( see attached photo ) to obtain a {$400.00} cash bonus. On XX/XX/2018, I opened the account package in Citibank XXXX XXXX XXXX XXXX with a banker ( XXXX? not sure about his last name ). On XX/XX/XXXX, I completed all required activities ( make a deposit of {$15000.00} new money and maintain it for 60 days ). Citibank said the bonus will be paid in 90 days, which was expected on XX/XX/XXXX. However, it was not received. So I went to the same branch on XX/XX/XXXX and was told that XXXX has left the branch. Another banker XXXX XXXX filed a case and told me the bonus will be received in 14 days. Nonetheless, I still have not received the bonus so far.

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 2018-10-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
RE : Case # CFPB XXXX-XXXX FCRA Charge off Rules require accounts to be delinquent for 180 before charge-off. As per XXXX XXXX, " Once the account is sold no more activity is reported to the CRAs. So why does Experian have activity after XX/XX/XXXX on my credit file? 

This is what CFPB XXXX-XXXX  is reporting : XX/XX/XXXX ( no payment ) DOFD Charged off : XX/XX/XXXX Account Sold : XX/XX/XXXX ( XXXX ) Experian continues to report this account AFTER IT WAS SOLD to XXXX on XX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX as per Case # CFPB XXXX-XXXX ) experian continued to report this account. 
SEE ATTACHED EXPERIAN DIAGRAM. 

THE CREDIT LIMIT WAS ONLY : {$600.00} - YET THE DEBT is being reported opened as of XX/XX/XXXX, balance $ XXXX.by XXXX. ( SEE ATTACHED ) This report is in violation of the FCRA 's Furnisher Rule :

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 2018-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Starting in XXXX, I made a large number of additional principal payments to my mortgage company, PNC mortgage. Due to an incentive offered by a bill pay servicing company, my payments were all individual checks, mailed via USPS, in the {$250.00} range each. I asked PNC to itemize each incoming payment individually, so that I could properly reconcile my account and verify that all payments were received and properly applied to my account. They refused. In total I asked 3 times that each separate check be given a line on my statement, but they continued to refuse. I can not properly verify my payments without knowing if each check was received and credited. 

Here is a copy of the first email I sent them : XXXX Message Detail Subject : Payment Inquiry Date : XX/XX/2018 Message : Hello, I am making a series of payments in the {$250.00} range toward my principal. When they get lumped in together I can not reconcile my payment account and confirm that payments were correctly applied. Please give each check a line item. Thank you. 
=========================================================== Here is their reply : =========================================================== Subject : Re : Payment Inquiry Date : XX/XX/2018 Message : Dear [ redacted ], Thank you for your email inquiry concerning your PNC Mortgage loan. Please be advised, due to the quantity of payments received at such a rapid rate we're unable to apply each check as an individual line item. However, if you feel there has been any sort of error regarding your payment, please send a written dispute to ; PNC Mortgage XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for the opportunity to be of service to you. If you have any further questions, please call one of our Customer Service Representatives at XXXX, or respond to this message. Customer Service Department PNC Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- To : CSR Agent Subject : Payment Inquiry_Hello, I am making a series of payments in the {$250.00} range toward my principal. When they get lumped in together I can not reconcile my payment account and confirm that payments were correctly applied. Please give each check a line item. Thank you. 
============================================================= I am asking that I get a proper reconciliation showing each check that was deposited into my account to pay my mortgage. This is necessary to properly validate payment and reconcile my accounts. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase card services estate department has been notified of a deceased card member XXXX XXXX XXXX, they have a copy of the death certificate. They have been advised no known executor exists, they are being advised of no known existence of assets, interest charges should cease and credit back to date of death of XX/XX/18. Please notate records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/18 I sent a final letter to EXPERIAN requesting a copy of what they used to verify the following accounts : 1 ) XXXX for {$1700.00} 2 ) XXXX for {$1200.00} 3 ) XXXX for {$280.00} 4 ) XXXX XXXX for {$680.00} 5 ) XXXX XXXX XXXX   for {$4500.00} 6 ) XXXX XXXX XXXX for {$13000.00} 7 ) XXXX   for {$4300.00}.

I also asked them to delete Multiple incorrect addresses & Names they had on my credit report & to send me a copy of the updated credit report. The did NOT do any of this. They only sent me a letter stating they will NOT reinvestigate XXXX, XXXX, or XXXX XXXX. Yet they still have NOT provided me with the copy of what that used to verify these accounts. Experian needs to be held accountable.

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 2018-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC
State: MI

Complaint narrative:
Keep calling me while I'm at work I wish they would email me. I told them to stop calling and email me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I got a title loan in XXXX for {$1000.00} and also got another {$300.00}. My payments have been very steep. I have made all of the payments. For XXXX they only charged me {$60.00}. So I called and asked why they said I guess the company is giving you a break I'm not really sure and also asked if I would like to get more money on my loan which I declined. Now I look online for my XXXX bill and they have charged me {$590.00} for just the month of XXXX. Which is unrealistic I can't afford that. I have children to take care of. So now I'm going to face losing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The company responded to my claim. The credit card company 's response does not satisfy my request. I did not authorize a credit card transfer, and should not be responsible for any fees associated with the transfer, including the compounded interest. I would like the Consumer Financial Protection Bureau to retrieve the recorded conversations. The recorded information confirms I did not authorize a transfer.

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 2018-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: NJ

Complaint narrative:
This debt collection company is already strong arming attempting to collect a debt for my deceased mother who has not even been in the ground for 60 days. They can be advised of the following : No known executor exists, no known liquid assets exist, I am not responsible for the debt of my deceased mother.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Mother has not even been buried in the ground for 60 days as date of death was XX/XX/18. Creditor already attempted to place with strong arming collection agency of XXXX XXXX XXXX  to try to settle the balance. For the record, no known executor exists, no known liquid assets exist, I am the daughter, I am not responsible for paying the balance of my deceased mother.

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 2018-10-31 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
My car loan with lobel fincial was reported as 60 days past due when it was with a claim on gap insurance and was going to be paid in full all i had to do was pay the deductible befor my due date on the XXXX and i paid the XXXX for the deductible on the XXXX i was still reported as 60 days late and one my  accout was paid in full was reported as closed not paid infull

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent EQUIFAX a final certified letter on XX/XX/18 & they signed for it on XX/XX/18 @ XXXX, requesting a copy of what they used to verify the following negative accounts they continue to list on my credit report : 1 ) XXXX for {$1700.00} 2 ) XXXX  for {$1200.00} 3 ) XXXX XXXX for {$680.00} 4 ) XXXX for {$4300.00} 4 ) XXXX XXXX for {$2800.00} & a copy of my updated credit report.

They have ignored these requests. They have not responded at all & it has been OVER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.

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 2018-10-31 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: TX

Complaint narrative:
I am filing this complaint on Equifax because they have continuously refuse to correct my credit report. By reporting charge-off and closed accounts as opened accounts. Reporting accounts that have been sold and closed as still opened and 120 days late. Also, Equifax deliberately change my high balance on my credit cards to make it seem higher than my credit limit, which made my utilization extremely high on my credit cards ; even though I never disputed those accounts. All of these inaccuracies has cause my credit score dropped 86 points in ( 1 ) month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that Experian as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately.

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 2018-10-31 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: AL

Complaint narrative:
Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.

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 2018-10-31 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: AL

Complaint narrative:
Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX is currently reporting a collection account to my XXXX   credit file. There are two problems with this, they are first violating my privacy reporting this collection account is a HIPPA violation and secondly I live in Tennessee. Tennessee requires all collection agencies to be licensed and bonded. Franklin Collection is no longer licensed in Tennessee therefore they are unable to collect on this debt.

Company response to consumer: Closed with explanation