vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Friday XX/XX/XXXX I was attempting to make a purchase at the XXXX XXXX XXXX XXXX XXXX department in XXXX XXXX, XXXX XXXX. I swiped my card and was told that the transaction did n't go through because the fraud department had put a block on my card. 
No explanation was given, the clerk in the department had my passport, and my XXXX XXXX card, I was allowed to talk to fraud department. I explained to them that I had made many around 25 purchases, as some purchases had to be done separately to get credit or additional percent off. 
The supervisor of the department asked if they could send me a text to my cell phone. I reluctantly agreed and was then told since I have phone service through XXXX, they could n't send me a text because they could n't verify me. I do n't pay a monthly bill and the phone is a smartphone, just I buy blocks of time as needed. 
So the issue was never resolved. On Saturday XX/XX/XXXX I received a letter in the mail from XXXX XXXX Fraud Prevention, claiming that I needed to call them right away because they had been trying to reach me but were unsuccessful. I called the number sat on hold, and then someone picked up the phone and hung up. It was at that exact time as the department had just closed. 
Today XX/XX/XXXX i called and asked for a supervisor, I talked to XXXX. Well frankly I yelled and swore at her. I had entered my information into the automated system, with the specific phone number XXXX which is for the Cardholder Protection Department. I was told that the information I enter on the phone does no t get passed through to the agent or supervisor if one is needed. SO WHY AM I ENTERING THIS INFO IF IT DOES N'T GET PASSED THROUGH. 
I had to give XXXX all this information to verify who I was, I was still not able to get my account unblocked. We went through the same XXXX about getting a text to my phone. I CAN GET TEXTS, THEY ( XXXX 'S FRAUD DEPARTMENT ) CA N'T SEND ME A TEXT BECUASE THEY CA N'T VERIFY MY NAME ON THE PHONE OR SOME XXXX LIKE THAT. 
So XXXX asked me questions from available public records and I passed the security questions that I should have been able to do at the store on XX/XX/XXXX but, hey maybe they wanted to go home and did n't want to ask questions. Who knows. 
but they finally unblocked my card. 
XXXX, kept on saying that she understood how frustrating this must be and that they wanted me to use my card. However, they were not protecting me, and why would I want to use a card that caused me so much trouble. Would you want to use a card from any business if they unceremoniously blocked your card?

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 2017-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I 'm being blocked from transferring funds to an established cryptocurrency exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Vehicle loan or lease — Loan
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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
As of XX/XX/XXXX I have paid off my vehicle loan to XXXX XXXX XXXX and they have acknowledged this is writing. However XXXX XXXX will not release an electronic hold on the title which they have in their system so that the Florida DMV can print out my car title for me. I have phoned them multiple times about this. 
On XX/XX/XXXX when I was at the XXXX, FL DMV I had a DMV employee to phone XXXX XXXX and the employee and I both requested that XXXX XXXX release the electronic hold so that my title can be printed out but XXXX XXXX would n't do it. A FL DMV employee told me that the DMV prints out XXXX car titles for owners everyday after XXXX XXXX releases the electronic hold on the title. XXXX XXXX knows exactly what to do to finish their job to allow the FL DMV to print out my title but they refuse to do it and only give excuses or delays. 
Also on XX/XX/XXXX I phoned XXXX customer service and talked with XXXX XXXX and stated the problem. She said that she would email someone and tell them to release the loan but the DMV employee and I had already tried to get that done to no avail. So this phone call to customer service was not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: TX

Complaint narrative:
I have been attempting to pay down my student loans for the past 17 years and have repeatedly had payments in excess of the minimum due either misapplied or not applied at all. For example, a payment on XX/XX/XXXX was lost, after the check was included in a separate envelope attached to my letter asking for the overpayment amount to be applied to the principal balance on my account without advancing the due date. Additionally, I have twice been charged late fees in spite of never having missed a due date. Late fees were charged to my account on XX/XX/XXXX and again on XX/XX/XXXX, in spite of no gaps in my payment history. 

Only after very carefully reviewing my account, did I discover in late XX/XX/XXXX that Navient was not applying overpayment amounts correctly. Routinely, in spite of providing two separate letters to Navient with clear instructions, Navient would apply overpayment amounts by advancing the due date. This obviously allows Navient to collect interest on a higher principal balance. This issue was addressed through numerous phone calls and eventually the payments were correctly applied. However, the issue continues. On XX/XX/XXXX, Navient again applied an overpayment incorrectly, again with clear instructions on how to apply the payment correctly. 

Unfortunately, I do not have time each month to spend days working to ensure that my payment is applied correctly. I have regrettably resorted, recently, to paying the minimum amount due, so as to avoid the numerous hours and trouble that almost certainly ensues when I attempt to pay toward the principal balance. I would guess that this is precisely what Navient would hope for when making it difficult to pay down student loans. Again, it is not a minor inconvenience ; these practices are a very real impediment to paying off my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There is incorrect personal information in my file that may be leading to fraudulent accounts being opened in my name or my identity merging with someone elses.

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 2017-12-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I called Equifax to notify them that previous attempts to have hard inquiries that were not authorized by me. I was told by XXXX they would be deleted. I was notified on the following day that they were verified as factual record of file access. They were not deleted as told to me on the XX/XX/XXXX and were updated as verified the following day. On XX/XX/XXXX I sent a letter to Equifax instructing them to remove these inquiries as they were not authorized by me and were n't related to any firm offer of credit, insurance, employment, or court order as the FCRA has put in place to protect consumers against actions that could be detrimental to their credit. This has in fact hurt my credit. On XX/XX/XXXX they placed that it was received and the XX/XX/XXXX they resent the same information " Inquiries are a factual record of file access. '' They are continuing to violate my rights as a consumer. Please investigate this for me and inform me of the results of the actions taken. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
I am writing because XXXX XXXX has a credit collection account reporting on my XXXX XXXX and XXXX credit report from Diversified Consultants. The account shows as paid, but it is still a collection account. I never paid Diversified Consultants. I have only dealt with XXXX XXXX. I paid XXXX XXXX directly. 

It is false reporting for Diversified Consultants to report I have an account with them and that I paid them. I am requesting that Diversified Consultants remove this collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-31 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: WI

Complaint narrative:
Incorrect information on my file that may be leading to fraudulent accounts being opened in my name. Please see attached document

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 2017-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion and informed them that they were improperly reporting student loans that do not belong to me from XXXX/XXXX on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that Transunion received my letter requesting to remove the incorrect accounts from XXXX/XXXX on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having Transunion send me an updated version of my credit report reflecting correct deletion of any accounts associated with XXXX. Transunion never responded to my request to have the accounts removed from my credit report. 
I contacted Transunion via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of Transunion, XXXX XXXX, who confirmed that Transunion does not have documentation from XXXX/USDEPTED with my signature for any student loans and that Transunion is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.

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 2017-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My home at XXXX XXXX XXXX in XXXX, XXXX, New York was discharged in a bankruptcy in XXXX of 2011. The docket number is XXXX. I have the name of the Law firm I used, the name of the Bankruptcy Trustee and the name of the US Bankruptcy Judge, if you need them. The loan has been sold so many different times and to so many different companies I can not count. All these Mortgage companies keep sending me certified letters and calling me- non-stop since 2011. One of  the companies even put the bad loan back on my credit report and we had to contact the Bankruptcy lawyer we used to get the info removed. I believe there was a class action against that company and they have to pay out small settlements to those involved. Why did n't the first bank just take the property and leave me alone? We are trying to move on with our lives. Local taxing entities from the Town are still sending me tax bills. I have told my Attorney about this several times and he does not think I have anything top worry about?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had acredit card with capital one and i was pay in time every month and every thing was good, and on XX/XX/XXXX i reopened checking acount on XXXX XXXX i had it before but with new acount number and the same routing number, and when i caome to pay the bill of capital one on XX/XX/XXXX iput the old account number of the chase account because the customer service on XXXX XXXX print the old checking deposit statment .not the new account. So capital one returned the payment and when i got the mail from capital one i contact with XXXX XXXX  and they gave me the right deposit statment and at the same day i paid the bill again on XX/XX/XXXX and its still was n't late payment but i found capital one closed my account with no reson

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent letters via fax and certified mail to have my credit report corrected since late XX/XX/XXXX. I have in return been told these acounts have been verified. I have asked for all supporting documentation that I lawfully am given this right under the Fair Credit Reporting Act 15 USA 1681g. As well as instructed them under said act to not return with " these accounts have been verified '', they have done just that. These accounts are not accurate and are very detrimental to my credit and livelihood asyou credit is a reflection of my character, reputation and credit worthiness. I have also instructed them if they can not provide me with the documentation that they have retained in their files as of that date that they are to delete such account as required under section 611 ( a ) ( 5 ) ( A ) ( i ). Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio claims I owe XXXX to them. I received paperwork in the mail where they took it to court in Virginia in XX/XX/XXXX. I just got the letter a couple days ago. I was not informed of court so that I could be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I disputed this account and it was removed off of my XXXX  report but XXXX and XXXX are still reporting this also Portfolio Recovery has this account in collections. Please help. This is the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
sear card close my account when in fact I have documents payments has been made I sent the two showing the payment has been piad and the reported it using another names the same account and refused to give credit for payment made

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 2017-12-31 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.

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 2018-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below

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 2018-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I do not have middle name/initial or lived on XXXX XXXX in no part of the world ...

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 2018-01-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.

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 2018-01-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: Nelnet, Inc.
State: FL

Complaint narrative:
I contacted XXXX and informed them that they were improperly reporting student loans that do not belong to me from Nelnet/DEPTED on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that XXXX  received my letter requesting to remove the incorrect accounts from Nelnet/DEPTED on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having XXXX send me an updated version of my credit report reflecting correct deletion of any accounts associated with Nelnet. XXXX  never responded to my request to have the accounts removed from my credit report. 
I contacted XXXX via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of XXXX, XXXX XXXX, who confirmed that XXXX does not have documentation from Nelnet/USDEPTED with my signature for any student loans and that XXXX is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I disputed Santander Consumer USA over a year ago. The account was then removed from my credit file. However, it was reinserted with notifying me via mail! In accordance with the compliance of the FCRA, I am requesting their compliance with any and all of the provisions. FCRA 611 ( 15 U.S.C 1681i ). I did not receive no notification and demand they remove this account from any reporting bureau.

Company response to consumer: Closed with explanation