vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-22 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: OR

Complaint narrative:
I recently received a letter from Equifax dated XX/XX/2018 stating that 'We have received your request concerning a security freeze on your Equifax credit report. Unfortunately, we were unable to process your request because we need additional information. ' Then the letter requests that I submit items to validate my identity and address. 
I have made no recent requests to Equifax concerning my security freeze. 
My security freeze should be current and in place. 

I do not know why Equifax sent me this letter claiming that I made a request concerning a security freeze when I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 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: OR

Complaint narrative:
I recently received a letter dated XX/XX/2018 from Equifax stating : 'We have received your request concerning your Equifax credit file. However, the Identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. '' Then the letter requests that I provide items to verify my Identification and current address. 

I have made no recent contact with Equifax. 
I have made no recent requests to Equifax regarding my credit file. 
I have not provided Equifax any identification recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 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: PR

Complaint narrative:
I recieved a call from Navient this past XXXX regarding my past due payment from my private loans of Salllie Mae ( Navient ). They have been recieving all my payments both send the payments to the federal loans that Navient recently adquired. I have been sending my payments to the same place since XXXX without any problem. I have been sendind double payments bacause I was trying to paid them before the time according to my already schedule payment. I never got a phone call or a notification of any changed in my account. Due to the problems with hurricane Maria XXXX and the lost of many of the comunication here I didnt noticed that the payments wasnt going to the right place. I talked to different numbers of Navient looking for an explanation and to try to understand what they can do to fixed all these situation. I call them every week to see if they can help me always got this answer your credit is going to be affected if you dont pay again but I see all the payments youre telling me here ( Navient system ) ; but we need the payments to dont charge you late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Please remove the hard inquiries from My XXXX XXXX and XXXX  record, This someone was made on XX/XX/2018. CHASE CARD. I have never made such a request, so I am asking you to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have submitted to capital one credit card a dispute for 2 charges that were charged on my account from XXXX and XXXX XXXX that were billed on XX/XX/2018 and those charges were for XXXX dollars and the case number was XXXX and the other dispute was for XXXX dollars billed on XX/XX/2018 and case number was XXXX and the. Reason I disputedthe charges is because I was charged for parts that the merchant did NOT install in my car and fraudulently charged me for those parts and services that were NOT done on my car and I discovered this after I picked up the car. XXXX and XXXX XXXX lies and did NOT do the job completely and were very unprofessional and NOT honest. They overcharged me by adding charges to the bill for parts and services that were not done to my car. Now capital one Visa card account number ending in XXXX. Capital one refused to refund me the money and asked for opinions of other merchants and things whivpch are impossible for me to get. 
I did NOT receive what I paid for and I disputed the charge and I want my money back. But capital one Visa card refuses to listen to me and refuses to resolve the dispute and refuses to refund me the money and they ruled in favor of XXXX and XXXX XXXX In XXXX Alabama and there address is XXXX XXXX XXXX in XXXX alabama XXXX and phone number XXXX who is a big lier and a scammer. They charged for parts that were never installed and services that were never performed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Please remove the hard inquiries from my record on XXXX   XXXX  and XXXX from My credit report This was made XX/XX/2018 from TD Bank. I have never made such a request, so I am asking you to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a credit card called the Citibank XXXX XXXX XXXX   Platinum Card. Due to not wanting to pay the annual fee of {$95.00}, I requested to close the card account in the middle of XXXX. I was told by a Citibank representative that it would be in my best interest to switch my card to the Citibank XXXX XXXX XXXX XXXX Card, which did not have an annual fee. I was also told in the same conversation that the annual fee I was charged for the upcoming year would be refunded within 2-3 billing cycles. I did not understand why Citibank could not reverse the annual fee when I originally explained I did not want to pay to annual fee, and when I was switched to the XXXX XXXX. However, I accepted this, and patiently waited. 

In the middle of XXXX, I saw that my statement still had the annual fee of {$95.00} as my balance. Furthermore, I saw that interest was also charged on this annual fee. I called Citibank once more, and I was told by a Citibank representative that the annual fee would be taken off of my account on my XXXX billing statement, and that also the interest charged on my account would be reversed as well. It is now XX/XX/XXXX, and I noticed on my statement the annual fee is still on my account. 

I contacted Citibank today, and was told my annual fee would be reversed in now in XXXX. Meanwhile, interest is continuing to be charged on my account on the improper annual fee, and I feel my patience is being taken advantage of. I realize this fee is not a great deal of money, but the level of smug customer service I have received from Citibank and their constant delaying of reversing an improper annual fee I know Citibank could reverse immediately, feels predatory to me. 

I am requesting the CFPB to look into this matter.

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
Consumer complaint received 2018-11-23 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: STATE FARM BANK, FSB
State: PA

Complaint narrative:
Please delete Accounts information with missed payments on XX/XX/2014. From State Farm ( credit card ) Data in the system is correct. 
but I have never had problems with payment before I have never had problems with payment later It was the only time.That time I was in XXXX and I really did not have the chance to make a payment on time, I'm really sorry but spend already a couple years but this still hurts My credit. Please be a good bank and remove this information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Purchased Used vehicle XXXX contract amount was XXXX @ {$740.00} per month for 60 months. Santander has us still owing {$23000.00} as of XXXX, Current statement has owing more than we borrowed and have made payments. I think that is impossible. 

We have contacted them numerous times over the last year to ask options and we have 2 options. 1- turn the car in under a repo and get sued for balance or 2- pay off the balance. We are on a fixed income and no longer can afford the car loan, as it should be paid off and then some. 

The value of the car is less than 9K at this point. Abusive lending practices.Extreme lending rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened my citizens bank account in XX/XX/2018. 

As a new account holder, several times the bank placed 10+ day holds onto my deposits ( checks ). Okay fine, I am a new account and this is normal protocol. 

However as the months went on, I would randomly receive 7+ day holds onto my large deposits ( checks ) Never once has a check bounced from a bad check deposit, they provide no information as to why and no documents with dates for me to review. 

There is no reason for these holds, it is completely irrational. 

Now on XX/XX/XXXX I deposited a check for XXXX $ and they have yet again placed a hold until XX/XX/XXXX. 

That is a lot of money that they have, yet again, essentially stolen from me for over a week. 

I am completely stuck with them and have gotten nowhere speaking to their representatives over the course of the past 6 months. 

My account has never been in poor standing, I am a responsible customer, the only time I have struggled with finances is when they hold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX PLEASE ABIDE BY FEDERAL LAW OF FCRA, or be aware i shall file a lawsuit with federal court to make you fix your huge mistake on my credit file. because of your mistake, creditors can not give me credit. please remove the following accounts as they are NOT MINE! 

here is FCRA 611 for reinvestigation or REISERTION OF DATE INTO MY FILE : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion THE FOLLOWING ACCOUNTS ARE IN A DUPLICATE FILE UNDER MY NAME OR REINSERTED WITHOUT GIVING ME NOTICE! A CLEAR VIOLATION, AS I HAVE TOLD EQUIFAX THE FOLLOWING ACCOUNTS ARE NOT MINE! DELETE! DELETE! DELETE THEM OFF OF MY FILE! 

XXXX  XXXX, & XXXX XXXX XXXX XXXX  XXXX 2 accounts listed with same acct number but one with credit limit of {$26000.00} and thee other {$1300.00} XXXX XXXX   XXXX XXXX XXXX XXXX & XXXX XXXX - XXXX XXXX As you will see i pulled 2 reports both from Equifax owned websites! but both show different information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I have sent them certified mail to cease & desist calling my cell phone any longer. I ask them to demonstrate the entire chain of title of the said stated acct. with XXXX XXXX  aka XXXX XXXX. I ask them to provide & produce all account statements that prove the acct balance in question to be correct or provide the actual amount they paid for the XXXX XXXX acct. from XXXX XXXX. I was not notify by Portfolio Recovery Associates that they bought this account. Instead XXXX XXXX  notify me by a letter sent snail mail dated as of XX/XX/XXXX.  I now dispute the debt & sell. I could have used a debt management company to resolve the matter with XXXX XXXX. They used under handed means to get me to default on the account in the first place by lowering my XXXX XXXX line of Credit from {$2000.00} to {$1400.00} without any written notice. I got the necessary documents to prove it. I'm under some economic hardship due to a part time job and a divorce earlier in the year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23 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: AES/PHEAA
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account NAVY FEDERAL CU XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have had a capitol one account for over 20 yrs as a matter of fact I have had 2 capitol one accounts for over 20 yrs. one with a credit line of XXXX and the other with a line of XXXX. I have not missed a payment in that time that I can remember nor does my credit bureau show a payment ever being 30 days past due. yet they claim to have made a business decision to close both accounts. I think they have the right to do that but they will cause harm to me by reporting it to the credit bureau. when I think they closed it because I turn XXXX on XXXX XXXX because I have paid them hundreds of thousand of dollars in the past. yet when I ask to speak to the person in charge they hung the phone up. they say it was being recorded which would be a good thing. I think there is more to this than they are telling me. I will do what ever is necessary to make sure this does not happen to anyone else as a matter it would me nice to know how many card holders they have closed with the payment history like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: WV

Complaint narrative:
I have sent them certified mail to cease & desist calling my cell phone any longer. I ask them to demonstrate the entire chain of title of the said stated acct. with Synchrony Bank aka Care credit. I ask them to provide & produce all account statements that prove the acct balance in question to be correct or provide the actual amount they paid for the Care Credit acct. from Synchrony Bank. I was not notify by XXXX XXXX XXXX that they bought this account. Instead Synchrony Bank notify me by a letter sent snail mail dated as of XX/XX/XXXX. I now dispute the debt & sell. I could have used a debt management company to resolve the matter with Synchrony Bank. They used under handed means to get me to default on the account in the first place by lowering my Care Credit line of Credit from {$2000.00} to {$1400.00} without any written notice. I got the necessary documents to prove it. I'm under some economic hardship due to a part time job and a divorce earlier in the year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: MD

Complaint narrative:
My date scheduled to close on a house was Friday, XX/XX/2018 at XXXX XXXX The closing could not go forward because, the appraisal was for a conventional loan and it should have been for an FHA loan. As a result, I lost {$500.00} for an appraisal that could not be used at settlement. I would like to be reimbursed for the money I spent for my appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: KS

Complaint narrative:
I received a bill for {$30.00} on XXXX XXXX. However, I made this payment on XXXX XXXX. I contacted Discover via chat on XXXX XXXX and asked if I had already made this payment. When I checked both my statement and attached payment history it did not reflect any returned checks, backoffs, or indication of any returned check. Further, it shows I already made a XXXX payment on XX/XX/XXXX. 

Discover Bank is clearly in violation of Regulation Z as well as other local statutes protecting consumers. I both want Discover Bank investigated and prosecuted! They are clearly engaging in the kind of subprime lending scams that resulted in the economic crises as well as both fraudulent and malicious acts that have caused civil damages to millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: FL

Complaint narrative:
It is very clear that Experian and XXXX are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX 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 2018-11-23 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: FL

Complaint narrative:
It is very clear that XXXX  and Transunion are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX , SXXXX 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 2018-11-23 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: CA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX. I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.

Company response to consumer: Closed with non-monetary relief