vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I wrote XXXX, Experian and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.

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 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
chexsystem continues to report a fraud account from XXXX XXXX # XXXX with prev fraud balance {$870.00} and {$330.00} when this fraud was reported to creditor XXXX XXXX and they agreed it did not belong to me do to there neglect on having no video or proof of debit withdraw transaction for the amount listed.

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 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MA

Complaint narrative:
I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXX Both loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers. Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status. XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies. XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled. XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle. XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled. XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial. XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as " Charged Off '' delinquent and unpaid. XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I do n't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, would n't it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Second or third time I 've had this issue with capital one. When I was upgrading my card I was told there would be no annual fees not only for the first year, but no annual fees ever I am always very specific about this. And after a year I received an annual fee! I call in ( takes over an hour! ) Manager says although I was given incorrect information there is nothing she can do and I will unfortunately have to pay it. This is YOUR business YOU are the one responsible for what you say, you 're the professional not me. She agrees but says i 'll have to pay the fee for their mistake ... That 's crazy. I insist i 'm not going to and that you 're not allowed to lie to the customer and after about 10 minutes of standing my ground she said she would 'look into it. ' First of all they are n't going to look into it they never do, and second had I not insisted for 10 minutes, spent over an hour being transferred from one person to another I would have got stuck paying this bogus fee ( and as of right now they still want me too! ) {$19.00} is worth an hour of my life and a lot of americans feel that way too so they do n't even call in to argue. This needs to stop! Oh and they also 'correctly upgraded my card ' so there should n't be a {$19.00} fee next year ... or so I was told. They just prey on people forgetting and not wanting to waste their time calling in. Insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I opened an American Express delta skymiles card in XXXX with a promise of XXXX miles if I spent {$1000.00} in four months. I did that. I waited the 6-8 weeks it said for the miles to post to my Delta account. They never did. I called Amex onXX/XX/XXXX and was told this had happened to other people. They opened a complaint investigation and told me it would be resolved in a week. It was n't. I called back the following week and was told it was actually 7-10 business days, and would be resolved the the end of that time. It was n't. I called back today and was told the investigation takes four weeks. I spoke to a manager, who could not explain why the earlier representatives told me other times. He could not correct the error even though he cvould see that I had qualified. I know this is a minor complaint, but this company has failed to fulfill their terms and misinformed me multiple times about remedy. I feel like this stuff always happens to me and I 'm sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

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 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

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 2017-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We have submitted 5 loss mitigation applications ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Out of these 5 applications we only received 3 denials in a written letter mailed to us. One denial was received on XX/XX/XXXX, 3 months after the initial application was sent. The servicer denied us due to insufficient income, but they were not calculating my husbands/ borrowers income. They claimed they did n't get all of the income information. The other denial was on XX/XX/XXXX, we were denied because I failed to complete a welcome call from the servicer. I did n't receive any letter indicating this step was required in order for my application to get re-reviewed. After that I did 2 welcoming calls, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was notified via phone that my application was removed as of XX/XX/XXXX. I was not notified about this. My application had been with the servicer since XX/XX/XXXX and I was never told about the removal, I was only requested for additional docs. The servicer again asked for another complete pkt on XX/XX/XXXX and we submitted it on XX/XX/XXXX, and onXX/XX/XXXX we were denied due to insufficient income. And I was asked for another pkt. We sent it on XX/XX/XXXX. Now the servicer said that they will not review my pkt since the acct is 3 yrs past due and the UW has had my pkts for 3 yrs in review. They will only look into transition options. We have complied with the servicer in submitting documents when requested.

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 2017-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I 'm having difficulties with Navient, they do not show you the actual monthly amount owed on their payment portal for each loan, instead they bundle their crazy late fee 's together with the monthly payment making it impossible to see what is the breakdown of what you the actual minimum amount owed per month versus the crazy ( should be illegal ) late fees. In XXXX 2017 my payments changed, I was not provided any monthly statement showing what the actual payments would be. I contacted them, was given my new payment amounts over the phone and I made those payments. Apparently because I was off by {$1.00} they did n't notify me and they simply add the late fees to keep charging money. For the last three months they have been changing my minimum amount owed causing me to call in to get the actual payment amount because they do n't provide detailed statements. When asked why I do n't get monthly statements i am told they are being sent to my mailing address - the address is correct but they do not make it to my house. Every time i ask customer service what 's going on and how to fix it they tell me they are unable to help me. They are also unable to help me with the customer portal " because they do n't use it ''. My email was incorrect last time I called again ( they already had my email correct before ) and had to be corrected again. For some disturbing reason they do not show their late fees on the online statement, only the amount owed on the actual loan. As of X/XX/17, I have late fee 's going back to the beginning of the loan when i missed a few months, in the amount of {$660.00} + {$920.00} on two loans ( late fee 's alone ). It should be legally required that these providers demonstrate every month a breakdown of all the fee 's they are charging, instead of just stealing money because they have a government backing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focus Holding Company
State: MA

Complaint narrative:
After less then one year XXXX 2016 with XXXX XXXX, I received a bill with a {$69.00} increase. My account number is XXXX. I refused to pay because my contract with them on page 4 section 5 states that without written notice they can not increase my cost. I have copies of ( three ) to be exact of day -- date -- time and who I spoke to at XXXX XXXX and was told by all the people too bad you have to pay it. I have since signed up with XXXX. I am a member of XXXX XXXX and my XXXX credit card also keeps track of my score. Last week I received a notice from both stating that my rating which was well over XXXX dropped by over 60 points because of a {$600.00} debt to XXXX XXXX by a collection agency name Focus RM in XXXX XXXX XXXX XXXX. A XXXX XXXX owns this agency. How is it that without any written notice NO phone call to ask if I have proof that XXXX XXXX broke the contract and NO XXXX LETTER can ANYONE AFFECT MY CREDIT WHICH HAS BEEN WELL OVER XXXX for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a mortgage with CitiMortgage for about 7 years.I have always made payments on time.  The monthly statements I receive donot show any late fees or past due payments.When I call in to post payment by phone,  the total due is about double what my monthly payment is.  I have contacted CitiMortgage in XXXX 2017 and provided them the last 18 months of payment confirmations in the form of their confirmation #'s or check numbers that have processed.I received an e mail back from them on XXXX XXXX 2017 indicating they have received my information and are looking into it.I have not heard back from them as of today, XXXX XXXX and the account still shows a past due payment.  They continue to add late fees while not responding or finding the error.What is the role of CFPB?  Will it simply forward this information to CitiMortgage and expect them to do something?Please advise if I can provide any additional information, thank you.

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 2017-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
When applying for our mortgage in XXXX 2017 we discovered we had an outstanding medical bill with Grant and Weber, we called and paid it that very day with XXXX XXXX. We then discovered a week later XXXX XXXX applied for a credit inquiry on my credit report for a loan. I called him back and he said it was an error. However still to this day X/XX/2017 it has not been removed and I contacted him again today and he claims to have no knowledge of how to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: ND

Complaint narrative:
I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my Trans Union,  XXXX and XXXX credit report that do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XX/XX/2017, XXXX 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 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I was told that the mortgage is a Daily Simple Interest Loan which means there is no set late fee but rather every day they do n't receive the payment is another day of interest. I 've noticed that the payment is not processed in a timely matter at all and I 've mentioned it to U.S. Bank Mortgage but they do n't want to listen to me. For instance, I mailed the mortgage payment on XXXX XXXX, 2017. Today is XXXX XXXX and the payment has n't been processed yet. The payment was past due on XXXX XXXX. This has gone on for several months costing me and my fianc a lot of money in interest while not paying the principal down. My fianc and I can not be at the whim of the bank 's processing department. It is my assumption and claim that the payment is in a processing bin at the bank with hundreds of other unopened payments and the longer it stays there the more interest the bank makes. They are in no hurry to process the payment. My fianc and I are going to schedule a meeting with a local bank rep to talk about this. I would like to set up an automatic ACH payment but we like to send in a variable extra principal payment and not a recurring amount. Thanks for your assistance.

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 2017-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL)
State: LA

Complaint narrative:
XXXX XXXX, 2016 {$350.00} I called and notified the collection company that this is not my bill when it was received in 2016. This is a Bill for a XXXX XXXX XXXX in Florida. Which is not my name nor a name I have ever gone by. The last 4 of the Social Security number on my credit report that was also included on the report is not my last 4. When I spoke to someone at the company last year they said they would take care of this I even told them the last 4 of the social was inaccurate/ not my final 4.

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 2017-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Since XXXX XXXX, 2017, I have been trying to gain access to my account with Santander, but after five attempts and no resolution, I am finally giving up. I have spoken to roughly six people at Santander and they have all claimed to try and help me, to no avail. I have requested a PIN to be sent to me three times and a checkbook to be sent to me once. Every single time, I receive NOTHING in my mail. When I ask them to close my account, they tell me I must send in a notarized letter to do so, which is unacceptable for someone who is extremely busy. Their only other two options seem to be sending me a PIN or a checkbook, both of which have not happened with FOUR tries. My account currently has {$810.00} in 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 2017-08-14 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MA

Complaint narrative:
I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXXBoth loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers.Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status.XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies.
XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled.XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XX/XX/XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle.
XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled.XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial.XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as "Charged Off" delinquent and unpaid.XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I don't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, wouldn't it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: ND

Complaint narrative:
I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017

Company response to consumer: Closed with explanation