vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HFC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX HFC claims they completed an interior valuation on XX/XX/2017. We requested a copy of it per the ECOA Valuations Rule. HFC is refusing to provide a copy of their valuation. This is a violation of the ECOA Valuations Rule. See highlighted sections of the attached ECOA Valuations Rule. HFC claims they are above the law and the CFPB can not do anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: CA

Complaint narrative:
Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.

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 2017-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.

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 2017-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ReliaMax Holding Company

Complaint narrative:
ReliaMax created obstacles to fair repayment by providing bad information about forbearance and deferment. For ReliaMax, they mean the same thing. See attachment.
Normally, a forbearance is an option if the student is not eligible to postpone payments using a deferment. ReliaMax refused to offer deferment as per terms from XXXX XXXX. Original lender : XXXX XXXX Loan / XXXX XXXX XXXX ( XXXX ) Acquisition by another lender : -- -- a bank in the middle of US. I do n't remember the name.
Original servicer : XXXX XXXX ( XXXX ) servicer 2 : XXXX XXXX XXXX XXXX XXXX servicer 3 : -- -do n't remember -- - it was for short time servicer 4 : XXXX XXXX XXXX XXXX 5 : ReliaMax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Macy 's card funded through Citibank. I travel a lot for my job and on a few occasions I have missed a payment on the card which incurred a late fee. In an effort to avoid that, I set up the payment to be taken automatically from my checking account on the XX/XX/XXXX of every month, the due date of the card. Recently, I noticed that the balance on the card was not going down and after carefully inspecting one of the statements, I determined that I was being charged a late fee. I called the company and they put me onto the Credit Department, who advised me that my due date was changed to the XX/XX/XXXX of the month and that an advisory was sent via e-mail. In addition, it was determined that I have been charged a late fee since XXXX 2015. I received no such advisory regarding a change in due date and I would like all late charges refunded to my account including all associated finance charges from that period. This is more than {$1000.00}.

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 monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have made 2 disputes to XXXX and Equifax to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have  a copy of the original document filed from the court house. There is only name and  address, no date of birth and no full social security number(it is retracted on all of their documents). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XXXX of XXXX Can send these in as well once I get them scanned.

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 2017-08-17 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XXXX XXXX XXXX Can send these in as well once I get them scanned.

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 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PLS GROUP, INC
State: LA

Complaint narrative:
My bank stated that the mobile deposit didn't come through on the check. So., I took the check to PLS to cash. Well the bank somehow reported that they had cashed the check and they didn't. I informed them that I was disputing this with the bank and needed time to do that. They inturn sent a letter to my job, which caused them to think I was stealing and they fired 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 non-monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
In a phone call on XXXX XXXX, 2017 two TransWorld representatives stated they will not discuss parking tickets in collections associated with a vehicle I own. They claim they can only discuss these tickets with my ex-husband, who was previously listed as an owner, in addition to myself, on the vehicle 's title. I am the only owner of the vehicle currently and have always been listed on the title. I am unable to discuss or settle my debt and as a result, will face severe material damages from being unable to legally operate my only vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
My Mortgage is owned by XXXX XXXX and serviced by Seterus. In XXXX, I would have been eligible for a principal reduction for my mortgage of {$100000.00}. We were never informed of this option for our Mortgage. We filed for bankruptcy in XXXX XXXX. Our home was in foreclosure in XXXX and in XXXX of XXXX we modified the mortgage for 45 years this is not acceptable. We should have been offered a principal reduction in XXXX. The home in XXXX was worth XXXX and we owned XXXX. Now the home is worth XXXX and we owe XXXX a principal reduction is the only resealable solution for this problem. The mortgage company will lose more when we foreclose on the home. If we get a principal reduction we can stay in the home and make payments based on the value of the home. The mortgage company will recoup XXXX. If we foreclose the bank will lose much more than {$100000.00}. With a principal reduction, they are guaranteed XXXX. please refer to Schedule A Real Property in attached court documents

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 2017-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I spoke with Citibank before applying for my AA rewards card. I specifically asked them if I was eligible for the XXXX rewards as I closed a similar account a little over a year ago. I asked them twice directly if I would still get it and they said yes that I would still get the points when I spent XXXX. A month went by and I spent XXXX and now they are telling me that I 'm not eligible for the points due to the previous card within the last 24 months. This is contradictive to what they previously told me on a recorded line twice. This is clearly a bait and switch and I want to see some accountability behind it.

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 2017-08-17 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: KS

Complaint narrative:
I filed a Chapter XXXX bankruptcy XX/XX/XXXX and should be protected by the automatic stay provided by federal bankruptcy law which prohibits creditors from seeking payment until my bankruptcy is discharged. The soonest my bankruptcy will be discharged is XX/XX/XXXX. I received a letter from fedloan servicing dated XX/XX/XXXX requesting I recertify my payment plan or pay {$430.00} starting XX/XX/XXXX. From my understanding, this is a violation of federal bankruptcy law. My attorney has contacted FedLoan and sent paperwork requested several times. I have also been working with a HUD-approved credit counseling agency to help me resolve this matter. XXXX shows my bankruptcy claim as active. This has been explained to several FedLoan Servicing customer service representatives, none of which have the slightest clue as to what I am explaining and could seem to care less when I explain that this is illegal practice and FedLoan could get into legal trouble not complying with federal bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have notified XXXX XXXX and Capital One bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from Capital One bank or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit.
XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXXXXXX XXXX  2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017

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 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me I contacted the credit agencies but the items were not removed. TransUnion XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

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 2017-08-17 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: MN

Complaint narrative:
XXXX XXXX, XXXX, XXXX, XXXX XXXX : Attempted to confirm receipt of payment. Did not go though. XXXX XXXX : Asked for reason why multiple attempts to update bank account were unsuccessful. No reason given. XXXX XXXX : Requested removal of authorized user. Rep stated that she tried but the system would not allow her to do so. Request employer is number or extension - Rep refused & said that anyone could assist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified Trans Union and XXXX XXXX bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX bank or Trans Union.

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 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified Trans Union and XXXX XXXX via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated X/X/17. I have not gotten any responses from XXXX XXXX or Trans Union.

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 2017-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Time after time, BOA will hold checks and payments and wait until the moment my direct deposit has gone in. I am over it, there is no reason I should 've had a fee, when there WAS enough funds to cover the check. They also have a fake story of " rolling fee reversal '', but can not give me dates, or times. They also are are supoosed to have a 24 hour time frame to fix an account with a negative balance ( per their handbook ), though do not follow their own guidelines.

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 2017-08-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
there are 2 disputes on my credit card and both items and orders where canceled on one dispute the XXXX was rightly charged the merchant refunded my money, but captial one has kept that XXXX  on my account refusing to remove it and charging me interest.
on the second one i was charged XXXX rightfully. the item was defective, and i work endlessly to get the merchant to send me a return label and they never would so i filed my dispute. so the XXXX was on my account then capital one took it off XXXX. they sided with the merchant even though i could not get the merchant to corporate with me about returning the item so it sets by my door for 2 or 3 weeks, and capital one places the XXXX back on my account. and even though i used there upload link to upload the information they requested. other than a reason why the merchant would not return my funds from another merchant. other merchant is not gon na get involved in my problem. anyway a few days later the merchant sends me a return label through XXXX and XXXX picks the item up, next i upload everything to capital one and they are sending me letters that i still own all of this money even though orders were canceled or either returned once the merchant sent me the return label.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
The loan just reset after a modification. The first new statement dated XXXX had a different balance showing on the second page {$210000.00} than on the first page {$220000.00}. The finance charge showing of {$860.00} is not correct for the balance showing fo {$190000.00} at the stated interest rate of 5.25 % APR. The second statement dated XXXX shows a different balance of {$25000.00} on the first page than the balance of {$17000.00} on the second page. There seems to be a phantom amount owing of about {$7000.00} that is not showing on my statement. I am not sure what this amount is, whether I am being charged interest on it and if so what the interest rate is. Thanks,

Company response to consumer: Closed with explanation