vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a 30 day late payment on my account and i have paid the fee and my bill in full and they will not remove the late payment fee from my credit report. I have contacted khols department store on XX/XX/2019for a forgiveness and they failed to since i payed the fee i have never been late ever and the problem was that why i was late was i opted to paperless statements and i told them i never did so and if i did they still havnt sent my statement please forgive my error on my late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: GA

Complaint narrative:
Trans Union reporting to XXXX XXXX removed my XXXX Account from the report which negatively impacted my score by 13 points. There is no reason to remove the account from the report. The account is active, paid on time and had a positive impact on my credit score prior to its removal. There is no explanation as to why this occurred. XXXX indicates it is currently reporting this account to the three credit reporting agencies. 

Accounts Removed XXXX XXXX   XXXX  - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2019 and XX/XX/2019, your credit card with XXXX PERSONAL MASTER was removed from your 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 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Collection Consultants of California
State: CA

Complaint narrative:
This company that I never made any business or sign any contract or know have been trething me calling over and over any time of the day or night. They have said they will take everything that I have and will report to ICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I send a request to have the fraud alert removed from all 3 credit bureau but Equifax removed the fraud alert and then send a request to have a fraud alert added to XXXX & XXXX by eletronic notice I did not ask them to do so I have enclosed a letter from Equifax where there admitting that they did this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I received an auto loan to purchase a XXXX XXXX XXXX with Ally financial. The car was repossessed in XX/XX/XXXX. In XX/XX/XXXX I had hired a lawyer after the collection agency had attempted to pursue judgement. A court date was scheduled for XX/XX/XXXX and the plantif Ally had dismissed the case. I do have a notice of dismissal from New York State. Since obtaining the other of dismissal I have tried to dispute it myself multiple times. I have disputed the charge with credit reporting systems and my balance actually increased. My balance is now {$10000.00}. I tried to contact Ally 's legal department and I have gotten nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I am using XXXX XXXX credit card since 2 month but I could not see my credit card in the credit history scores. This card is not visible and it is not help my credit score..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: SLM CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I was awarded two private loans through XXXX XXXX, with the agreement to pay {$50.00} a month for both loans. I was accepted to XXXX XXXX University for a XXXX XXXX  program. Before my first semester was over my boyfriend XXXX XXXX. He XXXX  himself in the garage and I found him. Due to my mental state my sister handled me withdrawing from the program. Now it is XX/XX/XXXX I am back in school working towards a degree in XXXX  to help people effected by XXXX. I currently owe XXXX XXXX around XXXX for a loan I never used. I have tried asking them multiple times for more information or resources to help my situation, with the result being futile. I do not want sympathy just simple fairness, as I do not think I should owe XXXX and growing on a loan I never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: IN

Complaint narrative:
I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/2019, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX  with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have three credit card accounts with CitiBank. I have made several attempts to make payments beginning in XX/XX/2019. The first two attempts made were to pay my credit cards, in cash, inside the bank branch. The bank refuses to accept cash payments and required me to submit payment in other forms. 31 US code 5103 Legal Tender states " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts ''. I attempted to make a cash payment ( in {$20.00} bills, not coins ) to pay a debt and it was refused. Reluctantly, I went and PURCHASED a money order to make payment. When I arrived at the bank, I was told they could not make payments to my different accounts with 1 money order, the required each account to have a money order to be able to make payment. The bank manager offered to help me by opening an account so I could make a deposit to the account and divide the payments as needed. I opened the account and CitiBank placed a 5-day hold on the money order because it wasn't " cash ''. This later resulted in 3 NSF fees and late payments. The bank advised I could make a cash payment via the ATM with a special pin. I obtained a special pin and was able to make 2 payments since XXXX and no other successful payments subsequently via the atm ; the ATM provides an error code, which the bank says is not their issue to call card services. When I call card services, they say its an ATM issue and to enter the bank. I have been told by customer service over the phone their system shows I am trying to withdraw money, however, that is not the case. If i select deposit " check '' instead of cash, the ATM will function properly. It is only when I try to make a cash payment I receive errors, and now with no resolution for almost 4 months. The bank branch refuses to assist me and redirects me to the card service number because its " not their issue ''. I have been charged late fees and interest that I feel should not be charged as I have made more than reasonable attempts to make payment. I have spent numerous hours on the phone trying to find a solution. The only solution I am given is to pay via online, which I do not wish to do. To add insult to injury, I have received harassing calls regarding the past due status of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I opened a Bank of America XXXX  XXXX credit card account in XX/XX/2018 and in my 1st month charged well over the {$1000.00} required to qualify for the bonus miles offered. Later that month there was a return that reduced my credit charge balance. Viewing my account online, it still showed more than {$1000.00} charged. I called Bank of America to confirm that my total charged was still above the minimum required. Their representative confirmed it. 

My XXXX online transaction record also showed my total charges were over the {$1000.00} minimum, but I did not receive the bonus miles reward. Still within the period to qualify, I called the bank again to check their record so I could make another charge if needed. I spoke with the bank 's credit card agents on 7 different calls to confirm that Bank of America showed - even with that return charge - that I had met the minimum needed to qualify for the bonus. On each of the 7 calls I was assured that I had qualified. 

After 6 months of calling, getting repeated apologies and promises from agents and from their managers, I was very surprised to receive a letter stating I did NOT qualify for the bonus reward. According to the bank my charges during the bonus period were just under the required {$1000.00} minimum. For over 5 months I was told something they now claim is not true. 

If Bank of America 's agents had not misled me, I could have easily made another small charge to ensure that I would receive this valuable mileage bonus. The bank 's misinformation or negligence cost me a loss of bonus mileage equivalent to at least {$500.00} in airfare. 

From my experience with Bank of America, I can only assume that their agents and managers are either poorly trained or are encouraged to deliberately mislead consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a negative entry on my credit report from Synchrony Bank. I have never received any letter from them saying I owed money. They provide no proof that it was my debt. The debt was sold to XXXX XXXX and that account is closed but the negative information that Synchrony Bank reported is affecting my credit and the only answer that I get from them is that they sold the account. I need them to remove the negative 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 2019-04-24 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:
These accounts are fraudulent ( Original Creditor : XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX  XXXX XXXX  {$4000.00}

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 non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received and signed up for an offer associated with my Chase Sapphire Reserve account. The terms state that upon spending {$100.00}, I would receive a cashback of {$20.00} ( screenshot of offer attached ). Due to this offer, I made a purchase of {$140.00} on XXXX. XXXX charged me in 2 separate transactions, with {$63.00} on XX/XX/XXXX, and {$79.00}  on XX/XX/XXXX ( screen shot of transactions attached ). I did not received the cashback, suspecting that Chase 's system was not able to identify this transaction over {$100.00} due to the separated transactions. So I called Chase to inform them of this situation, and was informed that their team would contact me within a week. So far, it has been about a month from that conversation, and I have not heard from Chase on a resolution on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24 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: IL

Complaint narrative:
There is a comment on a car loan from 10 years ago stating : Consumer Dispute - Reinvestigation in Progress. I was due to close on a new home " mortgage '' and this comment has been removed from all credit reports including my spouses except for Equifax. This dispute started on XX/XX/19 and I have been trying to tell them that I was not disputing this account and the comment needed to be removed. Conversations have been going on with them for 3 weeks now and I have received 5 confirmations telling me the dispute is complete and has been resolved. Only to find that the comment still remains on my credit report. I am now 30 days past my closing date due to them not resolving this issue. I need to have this resolved immediately. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a 30 day late payment on my account and i have paid the fee and my bill in full and they will not remove the late payment fee from my credit report. I have contacted XXXX XXXX XXXX on XX/XX/2019for a forgiveness and they failed to since i payed the fee i have never been late ever and the problem was that why i was late was i opted to paperless statements and i told them i never did so and if i did they still havnt sent my statement please forgive my error on my late payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial is reporting a 30 day late payment for XX/XX/2018. I mailed this payment within the allowed payment period but, apparently, Ally Financial never received it. I never received notification of the late payment directly from Ally Financial, however, my credit monitoring service did send me an alert that a 30 day late had been reported to this account. I immediately confirmed with my bank that Ally had never cashed the check and contacted Ally Financial. They informed me that they had not received the payment, so I immediately ( while on the phone with them ) submitted the payment online. The agent I spoke with agreed that, given the circumstances, they would reverse the 30 day late and contact the credit reporting agencies to remove the late payment and correct the payment status. They also stated that they would send me a letter confirming their agreement to remove the 30 day late from my credit reports, however, I have never received this letter. I have contacted Ally Financial at least 6 times by phone concerning this matter. Each time, they verbally confirmed that they would remove the 30 day late but gave me conflicting information as to whether they had already contacted the reporting agencies. Again, I have yet the receive the letter they have promised multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: AZ

Complaint narrative:
After checking my credit report, I noticed the following medical collection accounts : - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018180 day grace period was not applied as required by S.2592 - Medical Debt Relief Act of 2016. Also, a few of the collections appear multiple times. Please physically verify this information pursuant to FCRA section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
I am currently 29 days overdue on my auto loan. The lender, XXXX XXXX, has my proper address and phone number. They call daily about the debt but I have been unable to catch up. They send letters to my address. I have responded to phone calls. I have not changed address or phone numbers since I first took on the debt. 

Today, XX/XX/2019, they contact my brother and left a message that I had to contact XXXX XXXX. They are not supposed to contact relatives when they have good contact information for me which I am reachable at. 

This same problem happened approximately 1 year ago and I contacted XXXX XXXX and asked them to remove my family members from their records. I explained that my contact information has not changed and I am reachable and receiving their calls. They agreed. Today they contacted my family again in an attempt to harass me. My contact information has been the same since I took the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief