vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed on several occasions the information on my credit file report number XXXX with Transunion. XXXX XXXX, account # XXXX, which is reporting close but with also incorrect payment history. I was not late the numerous times in which they are reporting for the closed account, so that is incorrect. The account is outdated which according to FCRA I can request for an obsolete account to be removed from my credit file by Transunion. Since they have refused to delete the obsolete account, they continuously provide the same generic response indicating it is verified and correct. So, I have requested for Transunion to provide me with the format in which they disputed the old account with XXXX XXXX and I have requested who at XXXX XXXX indicated it is reporting correctly, as I know it is not. I am within my rights to request this information from Transunion. I feel they are giving this generic response instead of deleting the incorrect old account from my credit file. They have yet to provide me with this information. Next, they are reporting an inquiry from XXXX. I have never applied with this company and the company sent me a letter in which I have attached ; however, they indicated it was not necessary for me to forward to Transunion as they were forwarding a copy of the letter for the inquiry XXXX dated XXXX/XXXX/XXXX to be removed but it has yet to be deleted.

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 2017-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I 've had an American Express XXXX XXXX XXXX account for about a year now. I rarely use it. Only to store funds in. Recently I linked an external account to the american express account for withdrawals in and out of the bank since this account does not come with a card. I initiated a withdrawal from the account and I 'm thinking it went fine until a week later I check my account. My funds were never transferred they were reversed for some odd reason.I called the bank 3 times back to back. The first time I was telling the CSR my account information, then suddenly I got hung up on. The 2nd time CSR put me on hold to be transferred to a different department ... got hung up on again. The 3rd time I was speaking to a CSR after being told that I would get a call back, I got hung up on for a 3rd time.  So I 'm highly furious with their customer service. They 're holding {$380.00} XXXX and will NOT give me a reason why. My account is n't frozen or anything that I know of. I have n't received any emails stating there 's an issue with my account. I have contacted the Federal Reserve because this is highly unacceptable. I even tried closing the account and requesting a withdrawal. They 're refusing to close my account or allow me to have access to my money. I attempted to close it twice already and my request keeps being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I was approved for a loan modification and set in paperwork to start loan repayment. After I sent paperwork in agreeing to the loan modification ; I was told that my paperwork was not accepted because my signature did not look authentic. I was told that because of the signature problem, my paperwork need to be redone. I was told not start paying my bill because my loan had not been processed yet. I was told that I had to resubmit my paperwork and will start paying from that date once I got approval on my signature. I was told no payments need be taken at this time. So I was sent paperwork about 90 days later to re-sign and send in to my loan officer. I was told to start paying my mortgage on XXXX. I got a phone call few days after this meeting stating I owed XXXX worth of payments and it needed to be paid. I explained that this was not what I was told and I could not pay it. I was told then my house would go into foreclosure. I requested to speak to a supervisor and I was denied twice. I was denied my home modification and now facing foreclosure because of wrong information was provided to me and my signature not being accepted. I requested assistance from my point of contact and he never calls me back. I never got a chance to speak to a supervisor about my situation. Since XXXX/XXXX/XXXX, I have being calling my loan officer with not return calls and not direction into how to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I received notice from XXXX XXXX that my credit score went down because of a closed account. Upon research I discovered this was a result of Bank of America cancelling one of my credit cards. I contacted Bank of America and they explained it was cancelled due to none use. 

I explained to them that I had that credit card since XXXX and had to request a new one in XXXX that had a chip and could be used world wide since we travel over seas and the old card would not work over there. At that time the Bank of America associate told me to go ahead and keep the old card in case I needed it or if something happened to the new since there was no fee or cost to keep it open ( That was XXXX years ago ). 

I further explained that if I could get a credit increase on the new card equivalent to what I lost with the old card that may restore my credit score and rating. The situation is this, 1 ) I retired early in my XXXX 's and no longer have an income. 2 ) I am able to live off my saving until I reach XXXX at which time I will receive social security and will be able to also access my IRA retirement accounts. 3 ) They are unwilling to state whether I could get approval for credit increase since I do n't have a income. 4 ) They ca n't state if they make a credit inquiry whether it would be soft or hard request. 5 ) If it gets denied then my credit score could be adversely effected even more by the denial and subsequent hard request action.

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 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
The company that I am formally accusing is PayPal for their loss of a payment submitted to them from this past XXXX for {$79.00}. The payment was submitted via money order from XXXX. I contacted XXXX, they said the order was cashed on XXXX XXXX. Whoever the person was that cashed it, I have no idea! I am not responsible for this bout of incompetence, I have the stub from the money order. I have tried being patient with these XXXX but my patience has run out! I have to obtain the info in the money order to submit to you along with their latest bill. I am out of patience with these XXXX, and I am sure you have your share of complaints against them. I also wish to bring charges against PayPal!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial accessed my XXXX credit report without my consent : Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX

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 2017-12-01 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: FL

Complaint narrative:
Capital One accessed my XXXX credit report without my consent : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I checked my credit report because I was declined for a credit, I saw that there was a collection from Portfolio Recovery who supposedly bought a loan from XXXX XXXX. This is absolutely false information. All my XXXX XXXX Loans are being settled via XXXX XXXX XXXX. Portfolio Recovery calls any all hours of the day. They do NOT have a loan in my name and it needs to be removed from my credit report ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I applied for a loan with this company and the finance charge and interest was not what was stated to me. I have not signed any of the documents electronically. I want them to clarify the {$100000.00} insurance policy and payments made to agency that I was unaware of until I was able to read some of this contract that I have yet to electronically sign. As well as a title of my vehicle for loan, in addition to the {>= $1,000,000} dollar LIFE Insurance policy. Why do I need all of this on me for a {$7000.00} dollar loan? I was charged double finance charge and interest on this loan. This occurred on XXXX XXXX, 2017. I am a XXXX years of age and have been in the military. I just recently retired with 33 years of XXXX and military service. Please advise. I appreciate your time and concern with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XXXX XXXX i called and report my card was lost.some one use in for around XXXX $ and the city bank told me they will get me temporary in 10 day and i called them again in 10 days and they told me the reject my case because the was not police report in my case so i went got my police report and i call them and again they told me it need to be fax and i did fax them and they told me its take 10 days to see my temporary credit .i call them after 10 days again and i told them whats happens and the said sorry we cant help you.really???

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 2017-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX I went to XXXX university in XXXX XXXX at the time I was XXXX years old. I wanted to do something with my life so I followed a friend to this school and the first day of class was that evening. But I had to pass a entrance exam and fill out financial aid papers. My advisor at the school was very nice all I thought I was doing was filling out financial aid papers. I didnt find out until after I graduated that the school had taken out a XXXX Dollar student loan. I wasnt aware and Im willing to take a lie dector test whatever it takes to prove my case. I cant afford to repay this loan and havent even been able to work in the Field that I went to school for. I need help if you see they just rushed everything so that I could start school the same day I filled out those papers. XXXX knows I never knew this was a loan and I never would have sign up for a XXXX Dollar loan please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XXXX, XXXX, XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XXXX, XXXX, XXXX. Account was paid directly to XXXX XXXX on XXXX/XXXX/XXXX and was advised that a supervisor with XXXX XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XXXX/XXXX/XXXX, I was advised by the collection agency that no information was submitted from XXXX XXXXXXXX and that account will remain on my credit report until notification from XXXX  XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX  XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX  XXXX directly. On XXXX/XXXX/XXXX, I spoke with a supervior at XXXX  XXXX who advised me that communication was previously sent on XXXX/XXXX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with XXXX. However, XXXX  states that collection account was verified as correct reporting as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX XXXX concerning account being paid, at which point I stated that I have proof from XXXX XXXXXXXX that account was paid in full on XXXX/XXXX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX  XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, I Called for assistance on setting account up online to view and pay bill ( this was a replacement card ). First call went great, I thought I could finish registration on my own, ended call. Could not complete online registration and I called back in, I got a rep in the XXXX and I politely asked to be transferred to a rep in the U.S. and he replied " oh, so you do n't want to talk to a XXXX? '' I did n't say anything and hung up. I called back in, very frustrated and got an American rep, I thought she said her name was XXXX, but I was n't sure so when she asked for my name, I asked for hers again ... she acted like I had given her my name and said one moment, while I open your account. I do n't believe that I ever authenticated the account. I said something else to her and she did n't even hear what I said, so really frustrated I hung up again. At this point, the law of averages HAD to be on my side, right? I got XXXX this time, nice guy, but I asked for a supervisor ... maybe his name was XXXX? This guy spoke over me, did n't have my account pulled up and advised me, that he would listen to the 2 calls based on my statement, and call me back. He called me back within 20 minutes and said that he had listened to the calls and I did say that I was thinking about cancelling the account. He said that the mean XXXX rep transferred the call to an American rep and I cancelled the account ... .but wait! I hung up on the overseas rep, he never transferred me. I mentioned closing the account to get transferred to an American rep, because their retention dept is in the US. The supervisor obviously never listened to the calls, even though he said he did. He said that I told XXXX that I wanted to cancel the account and even though I hung up right at that point, they cancelled it. Keep in mind, this was the rep who never authenticate me account. I hung up on this lying supervisor and called back in, this time I got XXXX, a real supervisor. She was kind, thoughtful and offered to reactivate the card ... I think that she told me the XXXX rep closed my account and he most certainly never authenticated my account. XXXX advised that this issue would be referred to corporate for investigation and the she would call me back. I did n't let her reactivate my card, because it would run a credit check and hit my credit report and we are buying a new house, the rep that cancelled my 2nd oldest credit card, hurt my credit by doing so .... all I wanted was to view and pay my bill online and speak to a US based rep ... my card had been compromised by someone in the XXXX ... that 's why I wo n't give them my info.

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 2017-12-02 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: VA

Complaint narrative:
Im writing about the interest charged on XXXX. Ive contacted the Company several times asking them to waive the interest fee of {$68.00}, as it is the first time Ive ever not made the full statement balance payment. Every time they say they cant. That there is n't an 'offer ' on my account. Not sure what the big deal is. Ive been a very good customer. 
Id like it waived in part because as I explained ; this month, Id have to move money around to pay the minimum balance, which has gone up to {$100.00} for some reason not explained to me. Usually it is {$25.00}. 
Oh and while Im at it. I asked them to change the due date, which I see has not been changed. I talked with XXXX about that, via the Company 's online chat and he said he was making it happen, changing it to the XXXX I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
A credit record from unknown company was reported to my collections account at XXXX XXXX, 2017. I highly suspect someone stole my identity to perform this transaction. 

Original Creditor : XXXX XXXX XXXX. 
Amount : {$430.00} Creditor information : XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: FL

Complaint narrative:
I have student federal loans that are handled by the XXXX XXXX program. In XXXX XXXX, I started work with a nonprofit company that qualifies for the public loan forgiveness program. Therefore, in XXXX XXXX, I called the XXXX XXXX program to consolidate all my loans ( totaling {$330000.00} ) under them so that I could qualify my loans in the public service loan forgiveness program. I specifically talked with the loan counselor to help me enroll in a qualifying repayment plan. I was assured by their counselor that the plan to which I was consolidating qualified for the public service loan forgiveness program. The counselor enrolled me in the graduated repayment plan. I have paid every single monthly payment on time, totaling just under {$46000.00} in all. 

In XXXX XXXX, I submitted an employment re-certification form, and only then was I notified that the plan I had been paying to each month did not qualify for public service loan forgiveness and that I would have to start all over again. Therefore, at least 23 payments of about {$2000.00} each month would not count toward loan forgiveness. They stated I had no recourse, but to reapply for the right program.

This is absolutely and inarguably unfair. I would have qualified for private loans that have a much lower interest rate than what I have been paying ( 6.625 % ), but staying in the public service loan forgiveness program made more financial sense at the time. 

Last month, I did apply for the income-based repayment program, which they state qualifies for the public service loan forgiveness program, but I very much believe that the previous 23 months should be counted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a Wells Fargo customer and when I signed in to my account a few weeks ago to print out my direct deposit information for my new job it gave me someone else 's routing number and account number. I only noticed yesterday ( XXXX ) because I had n't received my check. I signed back in and printed the same form again, this time the same form had my account information. I went by a Wells Fargo branch earlier today ( XXXX ) and spoke with a banker, I brought both forms, mine and the wrong one. He pulled up the account that was n't mine and confirmed that my check had been deposited into a business account in California, belonging a man I have never heard of. He kept the form containing the other person 's information. I have no idea how I was given someone else 's information through my own account, and now they have my money that I worked for. I want to know how this could have happened and how I am supposed to trust this business with my money when they are so cavalier with their customers account information. I lost my first check at my new job because Wells Fargo made a serious security mistake.

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