vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was offered a modification on my mortgage with XXXX XXXX. I had to make three trial payments as follows : XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}. 

The modification then detailed that the actual mortgage payments of {$1200.00} would start on XX/XX/XXXX. I have the copy of the modification package. 

Being that this left XXXX without a payment, I decided to make the regular payment of {$1200.00} anyway so that there would be no lapses in payment. 
Check XXXX for {$1200.00} Mailed on XX/XX/XXXX ( I have the XXXX receipt ) Cleared my bank on XX/XX/XXXX ( I have the copy of the cleared check ) I then discovered that XXXX Servicing reported me to the credit bureaus as being late in XX/XX/XXXX. I called and spoke directly with the account manager and explained this to him. I also submitted my proof of payment, showing the cleared check and the postage receipt. They did not correct the reporting. I called two more times and spoke with other XXXX XXXX personnel, who also stated they considered the payment late. I then filed a direct dispute and provided the cancelled check and the postage receipt showing the payment made and cleared in a timely manner and the credit bureaus also contacted XXXX and after getting their response, left the late reporting on my credit. 

I have been working very hard to repair my credit in order to refinance a very high loan on another property and am unable to do so because my credit score is  very directly impacted by this erroneous reporting. I have tried every means to get this corrected and can not get it fixed.

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 2018-09-14 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: PA

Complaint narrative:
I am disputing with Trans Union the following Unauthorized / Unknown collection account that showed up on my credit report. I am a previous victim of identity theft and already have an extended fraud alert placed on my Trans Union Credit report so there should be no excuse as to why this collection account unknowingly hit my report without my consent of proving the account belongs to me. This account reporting to my credit report go against the Fair Credit Reporting Act and is affecting my ability to hold a job and get approved for a home mortage. I have also reached out to the collection agency and have attached a filed Identify Theft Police Report to this compliant in order to get this issue resolved in a timely fashion. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know. 

Reporting Collection Account : 1 ) XXXX   Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : 011 Months Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. 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 2018-09-14 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I overpaid them in the amount of {$71.00} and they acknowledged that. But each time I called they gave me the same answer that they are waiting from who ever handled the investigation and I will be notified this was going since XX/XX/2018. Thanks

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 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The problem is with Experian. In trying to contact Experian their automated answering system malfunctions not allowing you to input any information and will not allow you to contact any real person. This with using a variety of cell phones and ' '' customer service '' numbers they list. The numbers all seem to transfer to the same malfunctioning system. But, they will send you an unsolicited survey and I requested a call back and did not happen. This has occurred five times since XX/XX/2018 not including today ( six total ). You can't even email them with issues. 
The government had their foot on their neck a little over a year in the XXXX  hack and failed to fix and follow up. Typical of Big Business and Government kissing back sides. 
These three, Experian XXXX  and XXXX XXXX, control every person in the USA 's finical life but is not held responsible. This is legalized racketeering.

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 2018-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My significant other and I applied and were approved for a personal loan through XXXX, a division of SunTrust. We used the loan for debt consolidation of our credit card balances, we were loaned {$30000.00} plus {$100.00} doc stamp fee for a 5 year term at 13.34 % interest with monthly payments equal to {$690.00}. The loan was funded XX/XX/18. We made our first payment XX/XX/18 for {$150.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We made our second payment XX/XX/18 for {$160.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We then made a payment of {$10000.00} on XX/XX/18, only {$10.00} was applied toward interest the remainder, {$9900.00} was applied toward the principal. The next payment we made was to pay off the balance on XX/XX/18 for {$19000.00}. The principal balance of {$30000.00} plus {$960.00} in total interest has been paid, but this company insists that I still owe them INTEREST towards the loan!

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 2018-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I have attempted to clarify my mortgage payments with Carrington for a few months now, and I requested assistance from CFPB XX/XX/XXXX, Carrington answered my complaint XX/XX/XXXX. Unfortunately Carrington 's response, while dilligent, was not adequate. In Carrington ; s response their dates of receipt show my transferred.

I understand that perhaps Carrington hadn't set my account up in XXXX and perhaps that's why the payment received XX/XX/XXXX was not applied until XX/XX/XXXX, but that delay made the account seem 90 days late when in fact is was 30 days late. By Carrington 's records they would have shown it 60 days late because of a missed payment to XXXX. I have already attempted to address this missed payment several times with XXXX and recently filed another complaint with CFPB requesting XXXX amend their reporting and sent the amended reporting to Carrington. 
In ay of XXXX, Carrington began returning my payments. I have saved these payments in an attempt to become current with Carrington and have these payments ready to forward to Carrington. The challenge is that the numbers that Carrington is representing that I owe them is more than conusing. On XX/XX/XXXX, I spoke to representatives at Carrington and I was given three different amounts to bring my account current. The last statement that I received from Carrington shows a amount due of XXXX, but o the back Carrington details the missing payments which add up to XXXX. If I add the XXXX payment due the total is XXXX or almost 2000 difference. 
On XX/XX/XXXX, I was informed that Carrington sent my loan to foreclosure adding attorney 's fee 's and inspection fee 's which as per their statement total XXXX, still less that the amount on their statement. 
My goal is to bring my loan current and I am requesting assistance to do just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient is the company ( previously Sallie Mae ). The  loan was taken out by the primary borrower in 2007. The primary borrower for this loan has made over 100 payments since the inception of the loan. Both the primary borrower and myself ( the co-signer ) over several years have previously contacted Navient ( previously Sallie Mae ) requesting removal of co-signer from the account. Navient ( and previously Sallie Mae ) customer service had stated on multiple times to both the primary borrower and myself ( the co-signer ) that the co-signer would be removed from the loan after 12 consecutive payments. The primary borrower has made 12 consecutive payments 8 times over and they still have not removed me from the loan and continue to erroneously place late payment status on my credit report which I repeatedly dispute. The primary borrower has made over 100 payments to this loan. The co-signer has made none, not once since  inception of the loan 11 years ago. The primary borrower has show the capability to pay for this loan more than 100 times. Additionally, when the primary borrower recently contacted Navient to make payment arrangements which Navient agreed to, Navient chose to place a 60 day late payment report to my credit account and then a 90-120 day late report consecutively which has caused a drop in my credit score of over 30 points. This report of late payments is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
Exeter Finance is reporting inaccurate information on my credit report. I agreed to pay a settlement amount on a past due balance for deletion or positive reporting. However, it has been 4 months since I have paid off the account, and it is being reported negatively on my credit reports. The status shows delinquent and is reporting as " failed to pay '' during the months I actively paid off the balance. I paid XXXX weekly from XX/XX/2018 to XX/XX/2018 to collection agency XXXX XXXX on behalf of Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a loan for a XXXX XXXX that was financed by Capital One Auto Finance it was opened on XX/XX/XXXX and was closed due to it being totaled on XX/XX/XXXX due to a serious car accident. Capital One was made aware of the car being total and provided all information related to the insurance payoff that would be made to them due to their lien on the vehicle. The insurance company sent me a certified letter showing that they had paid the Capital One - however, Capital One shows that I was past due on the account which is untrue and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had 2 late payments because i never received the bill. I changed my address with the company but still never got my bill. This caused the payments to be late. They have also said they would work with me on the late payments but haven't removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I noticed that the bank took money out of one of my accounts to pay abillthe problem they took it out. Of the wrong account, which caused an overdraft and then they charged my {$34.00} as a fee. I immediately contacted the bank and was told they could not transfer the money even though they made a mistake. I am demanding that Chase fix THEIR mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged with two ( 2 ) overdraft fees of {$35.00} for being short of few dollars ( $ XXXX ) on the account. I had multiple charges go through at once after the weekend. I transferred the amount right away when I received the notifications for both occasions. I was told that even if there is an overdrawn amount which gets covered up by the end of business day it will not be accessed the fee ; however the notifications arrived a day after resulting in overdraft fees without chances to amend. In one case, the transfer was made immediate and it did not cover the fee.

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 2018-09-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a loan for a XXXX XXXX that was financed by XXXX XXXX XXXX XXXX it was opened on XX/XX/XXXX and was closed due to it being totaled on XX/XX/XXXX due to a serious car accident. XXXX XXXX was made aware of the car being total and provided all information related to the insurance payoff that would be made to them due to their lien on the vehicle. The insurance company sent me a certified letter showing that they had paid the XXXX XXXX - however, XXXX XXXX shows that I was past due on the account which is untrue and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a complaint concerning Bank of America. We had a collection agency do a bank garnishment from a 12 year old debt. Credit card from XXXX sold to XXXX. So without warning Bank of America froze our account for triple the amount that was owed. Amount owed was {$7600.00} they held 2 amounts {$22000.00} and XXXX. We had {$8700.00} in our account at the time. We were told it could be frozen for months. We went into the bank XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX we have no access to money. Bank of America said they will pay them {$8200.00}. Boa is negotiating our money no money no one will tell us where that amount came from. The original debt was {$7600.00}. This is how you treat a sr citizen we cant get medicine or anything. Yes we paid our bills perfect until the market dropped in 2007. Since that time bills have been paid. We are sick over this. I work in XXXX and can not do anything without proper notices. We need help with bank of america

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 2018-09-14 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX a settlement was agreed upon to settle an old account with an agreement to remove lawsuit and delete from all credit bureaus upon cashing of check. Check sent with agreement via certified mail. Signed for and then cashed on XX/XX/18.  Lawsuit dropped and account changed to {$0.00} bal on reports but failed to delete from reports as agreed upon. Clearly stated in letter and on check ( documents attached ) CASH to delete. Company refuses to delete which is a violation of agreed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
This company is reporting a debts that are inaccurate to my credit report. This company is reporting a debt of XXXX to my credit report falsely. This company is also violating the hippa law I did not authorize my information to be giving to them I have no debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
a number of hard inquiries are on my account that have not been removed, even though I had requested that was done. they are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-14 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: CA

Complaint narrative:
I was approved for an amex everyday credit card in XX/XX/2018. I was mislead by being told I would receive a welcome offer. Upon approval I was told that I would not by receiving the welcome offer and that I would be given a {$500.00} Credit limit to start and that I would have access to a higher line of credit after making my first five payments on time. The following is a copy and pasted email from American Express : Pay on time and increase your credit limit American Express logo Hello, XXXX XXXX XXXX Account ending in XXXX American Express Card View Account Make a Payment Manage Alerts Preferences You can earn a higher credit line on your new Amex EveryDay Card. Simply follow the steps below for each of your first five statements : Use your Card. You must have a balance due each month. 
Pay at least the minimum due on time each month. 


To help you pay on time you can set up automatic payments with AutoPay, where you can customize your payment amount and date. You can also enroll in Alerts informing you when your statement is ready and reminding you of your payment date.

Thank you for your Card Membership.

American Express Customer Care Contact Us | Privacy Statement | Add us to your address book Your Card Member information is included above to help you recognize this as a customer service e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us via customer service. 



Terms & Conditions 1. You will receive an increased credit limit if you ( a ) have an amount due on each of your first five billing statements, ( b ) pay at least the minimum amount due on those statements by the due date, ( c ) are not past due on the credit report we review at the time we evaluate the credit limit increase, ( d ) meet federal requirements for ability to pay, and ( e ) havent already received a credit limit increase.

2. Your credit line increase will go into effect by the end of the sixth month after your first payment. 



XX/XX/2018 American Express. All rights reserved. 



XXXX It has been over 8 months and I have not yet been given an increase in credit. The people that i speak to are very rude and are not concerned by the fact that I have been lied to. My credit score sits at XXXX with utilization around 20 % income over $ 70K/year with assets around $ 20K. I'm  not asking for a crazy amount of credit. I am just asking that they keep up their end of the bargain. They lied to me about the welcome offer and they are not telling me lies and even yelling at me, and hanging up on me when trying to explain the issue. I am so angry. I feel like I have been completely manipulated and it's unfair.

Company response to consumer: Closed with explanation