vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I applied online for a Home Depot credit card through Citibank. I entered my landline phone number on the application. The system asked to send a verification code through text message or answer security questions. I chose to answer security questions since my landline phone does not receive text messages. I answered the security questions, and the system said I would need to call to give more information. By that time, the call-in number was closed, and I had to wait until it reopened the next morning. I called and was asked by the second Citibank rep who asked for my cellphone number that my cellphone number could not be verified by the Citibank system. In seeking to understand the details of this decision, I talked with six additional Citibank representatives - for a total of eight -none of whom could give very clear answers. I was told that my only option was to go into a Home Depot and present photo ID - no guarantee that that would work. I requested that my application be deleted. The Citibank representatives said they could not do that. They said that my application would remain active for 30 days, then it would be archived.

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 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the Thursday of XX/XX/XXXX, I walked into my local Chase Bank to open a checking account. I was receiving money from my grandfather who was helping me with paying rent. The fastest way to get the money was if opening a bank account at the same bank he uses. I was assisted by a service rep who was very disingenuous about our exchange. I felt as if she didn't truly care about me as a new customer because of me just waking up to get to the bank. I informed them that soon i will be changing my main bank to them and they seemed ecstatic. To open the bank account they required a min deposit of XXXX dollars. I went to the ATM to withdraw the amount incurring a fee to my other account. Everything was fine and everything was set up. When the XXXX dollar amount hit my account a couple hours later, I knew it would be an issue. I didn't have a debit card physically but I knew i could verify my ID if anything came up as suspicious. I was running late so I went to another Chase bank A little further from my house, near my job to withdraw partial of the total amount. XXXX dollars. The teller first told me it would be fine that I would be able to receive my money. Then, he took quite a long time typing at the computer. I informed him that my grandfather was sending money for bills. He said everything was fine but called the bank manager over. The bank manager asked for another ID form so i gave him debit card. Now after another 10 mins and I am actually late for work, he tells me it is denying my withdraw, I didn't understand. The manager then informed me that I would be able to tomorrow around XXXX. I took the answer and went on my business. Later on around XXXX that day I looked into the account to make sure everything was still okay. Online banking said my account has been suspended and to call a number to reinstate it. After calling that number and verifying my ID the associate told me that my account is being looked at for fraud. Something I knew was possible and that I was told would be easily solved. After being cold transferred to the fraud department, re-verifying my ID i was told by someone who could not articulate in English that my account has been closed and began to read me a jargon about what will happen next. It is now the XXXX of XXXX my account is closed, I don't know what happened to my XXXX dollars plus my XXXX dollar deposit and my bills are already 3 days overdue incurring late fees. I feel robbed of my that is rightfully mine and feel as if the bank does not care about my current situation. They cared enough that I opened an account with them but not enough to tell me where my money is and help a new account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: AR

Complaint narrative:
on XXXX I applied for a loan for {$6000.00} and was sent paperwork being approved and signed contract and return it and never rec th money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My secured credit card with Wells Fargo account number XXXX, is definitely reporting wrong after months and months of trying to get this rectified. ON XXXX they are reporting me as being 30 days late in XX/XX/2018 and XX/XX/2018, as well as being 60 days late in XX/XX/2018 and 90 days late on XX/XX/2018. 

But then on XXXX  and XXXX, they are reporting me 30 days late inXX/XX/XXXX 60 days late in XX/XX/2018 and 90 days late in XX/XX/2018. 

XXXX even shows 30 days late in XX/XX/2018. 

But if you look at the screenshot of my credit report, they all say dispute resolved, customer disagrees but they didn't change anything. 

Which means that a real investigation never took place.

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 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received notice on my credit report that I had a XX/XX/XXXX Eviction Notice from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. On XX/XX/XXXX, this was settled in court. This is still showing up on my credit report and I want it removed. Also, in the collections section of my credit report, XXXX XXXX XXXX stated I owed them {$4600.00} and this is incorrect.

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 2019-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I am on a graduated repayment plan. I have been making payments as required for years and my balance seems to not be moving much. I recently began submitting larger payments to pay down the loan faster. I was reviewing my statement and noticed interest was still accruing despite my larger payment being enough to cover not only the billing period interest but also some principal. After further research, I noticed that even my minimum payment in accordance with the payment plan was enough to cover the billing cycle interest plus some principal. This is not what is happening. Your corrupt organization, Nelnet, is only putting money towards one of the two loans while accruing and capitalizing interest on the other loan, which happens to be the larger loan. HOW IS THIS LEGAL? Both loans fall under the same account. HOW IS THIS HAPPENING? I contacted Nelnet with questions and requested they respond via email because I want documentation of our communications. They are REFUSING to provide me with an explanation, which makes me even more suspect of their behavior. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was informed by XXXX XXXX mortgage specialist that I have two different files under same Social Security number at Equifax. I reached Equifax on phone at tel XXXX. After talking with multiple people on phone they promised me they will fix this problem in next 24 hours. I emailed them at XXXX with my Insurance card & driver 's license confirming my ID and request to fix my file as my banker will not approve loan with two files under on SSN. 

Today, I called them to follow up about this. They asked me bunch of security questions. As such, I do not have any loan an open balance with any bank, person kept ask me about minimum balance payment and loan amount of past closed loan. I do not have any balance and open loan, i replied. They were not happy with my answer and declined to fix my credit report. 

Here, I have signed Home purchase contract. I need to get finance approval this week to close my home early coming month. Due to error from their end ( two files under one SSN ), I am suffering to go through so many trouble and will have my mortgage declined. 

Why I need to suffer due to equifax 's mistake? Do I have any legal way so that they stop displaying wrong information? Shouldn't be their obligation whenever they have two files under same SSN they should be proactively reaching to me to fix it? Here, I am chasing so many people to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: OH

Complaint narrative:
I have been trying to pay my loan in advance. But each time I make a payment, the next due date does not advance. After complaining here, one of my lenders Consumer Advocates assured me that he would manually change the due date whenever I made a payment. That isn't happening, moreover, he appears to be no longer employed by Navient. My email to him bounced and the extension is no longer valid. When I tried to call the consumer advocate office, after being on hold for 10 minutes, I was told to leave a message and they would return my call in 48 hours ( an unacceptable delay ).

This issue has been going on for over a year. My account is set up to have payments apply to the next due date -- and it doesn't happen. Each time I make a payment, I have had to spend close to an hour to get the payment due date moved forward. This is unacceptable.

I should also note that the response Navient has provided to the CFPB is false. Previously, the reason these payments aren't applied to the next due date is because I have a consolidation loan with both subsidized and unsubsidized federal loans and they can't apply a payment to one without the other. But I have my payments set to apply to both on the same prorated basis as there would be for any normal monthly payment.

I can not be the only Navient borrower who wants to pay in advance. For several years, this wasn't an issue ; but only became one about 18 months ago. Suddenly, they are " unable '' to apply payments to future due dates. I am sure this is in the hopes they can hit these borrowers with late payment fees and the like even though we have paid in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: KS

Complaint narrative:
Received collections letter from SCA collections regarding XXXX XXXX XXXX, i have no knowledge of this debt & ask that it be removed from my credit 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 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to transunion for the removal of the collection company ( XXXX XXXX XXXX ). After allowing time for the removal this hasn't happen. Last year this company and I reached a solution which lead to its removal. I ask for that to be the solution again since the dispute was to no avail.

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 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I overpaid my card by {$530.00}. On XX/XX/2019, I called Capitalone to have it refunded. They acknowledged the over payment and it was showing a credit balance on my card. They told me they have charged it back and it will take 3 -5 days to reflect on my account. On XX/XX/XXXX, I called to find out the status of my payment because it had not been reflected on my account. I asked what happened and the agent told me we have just sent your money today. 
I reminded them the terms and what they promised me on XXXX, also it was over 5 days and even as I write this complain I have not yet received the payment. 
This seems to be a violation of their own terms and what they told be. I was not happy with it and I told them I will file a complaint. That is the reason I am here

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding is reporting a collection account on my credit report with account number XXXX that was for a XXXX XXXX account. I have disputed this account numerous times to get proper validation for it and they have refused to send me anything. Further, they are reporting me 120 days late on XXXX  which I looked up and is a violation of their METRO-2 reporting per the CDIA guidelines. I attached a screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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:
I was arbitrarily expelled by XXXX XXXX XXXX without cause violating their handbook and student loan contracts in XX/XX/2012. 
I've filed debt discharge apps and what have you, repeatedly, and yet these loans still a-ppear. 

I need them removed immediately as they are killing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: CO

Complaint narrative:
I took out a loan from Blue Trust Loans, a " tribal company '' with a rate of 561.96 % interest rate, on {$2000.00}. We have currently paid back {$2400.00}. however, due to the interest rate, we will have paid {$8000.00} and have it paid through XX/XX/2019. Due to the already hardship, we are in the process of losing our home, to have to pay almost {$1000.00} a month. We have paid back what we have owed with an additional {$470.00}. This loan is stripping us of our home. Please help

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 2019-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed a copy of my Equifax Credit Report on XX/XX/XXXX and I noticed unauthorized inquiries still remain and have been made by the following companies : XXXX XX/XX/XXXX - XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX | CBNA XX/XX/XXXX - PO Box XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX | XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX | XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however, all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureau to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I made a {$1000.00} payment to Ditech Financial LLC on XXXX XXXX XXXX that has not been credited to my account ( XXXX ). I have sent a copy of my bank statement showing the payment. Ditech told me this was not good enough proof and they could not find the payment.They instructed me to go to my bank and get a check or tracing/tracking number which I faxed to them on XX/XX/XXXX. I am still not getting results from all the information I've given them. I am also being charged late fees. they have recently transferred my account to XXXX XXXX ( XXXX ). I feel as though Ditech is giving me the run around and making me jump through hoops to avoid doing anything about my " lost '' payment especially since they transferred my account. Please help me correct this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


Creditor : XXXX XXXX XXXX In Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer

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 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was on XXXX when I went to this company. This bill, like all of my other medical bills should have been resubmitted and taken care of. Unfortunately this company will not resubmit and as a result its in 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 2019-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I agreed to have my credit checked by the XXXX XXXX   XXXX dealership on XX/XX/2019, however, I was not informed that they would give me at least 6 different hard inquiries on my credit score. This has brought my score down and prevented me from being approved for a credit card, solely for the reason of having too many hard inquiries. It does not seem fair to me that I am being punished for purchasing one car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Back in XX/XX/XXXX, when running late on my bill, I would be sent to XXXX XXXX  XXXX temporarily until Walmart bill was current, however, once brought current. The account was sent back to Walmart whereas at the time financed by GE Capital Bank. 

I have attempted to dispute an amount that was written off, according to all three credit bureaus, I was unaware of this action until XX/XX/XXXX, when a credit report was pulled. 

Synchrony bank has failed to address this issue as to why this amount was written off. I wanted an opportunity to pay all debts owed. Synchrony failed to take action on this issue as well as remove this action from my credit report or allow me to pay this debt as it looks horrible on my credit report. 

After my last attempt to resolve this dispute, I was contacted by the Executive office around XX/XX/XXXX, to advise that the debt and actions regarding my account were accurate, but never addressed the write off issue. 

I am disputing the fact that Walmart has changed financial institutions twice and I do believe inaccuracies during the brief stay of my account at the temporary collection agency errors occurred regarding amounts paid and amounts owed.

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