vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 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: National Consumer Telecom & Utilities Exchange, Inc.
State: IN

Complaint narrative:
NCTUE Security Freeze  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX PER THE FAIR CREDIT REPORTING ACT : I am writing to you to put a security freeze on my NCTUE credit report. Under the Fair Credit Report Act you are required to comply. I also OPT OUT of NCTUE and any report/file NCTUE or its subsidiaries may have containing my name or referring to me in any manner. 

My information is clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX, XXXX IN, XXXX CURRENT PHONE NUMBER : XXXX Enclosed are the following two documents that verify my identity : Photo ID SS number After this credit freeze has been filed, please send me written confirmation, as well as, a copy of my FULL NCTUE DATA REPORTS to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX has been contacting me regarding an {$1600.00} XXXXXXXX XXXX bill that was settled XX/XX/2017 for the amount of {$1000.00}. The account was settled with XXXX XXXX XXXX now known as radius global solutions. I contacted both companies trying to get a receipt or proof of payment mailed to me I've been told that I will receive something in the mail. I've been waiting for over a year for the proof, the only proof I have is my bank stamen which shows the payment for the amount and the companies name and number. I took the stamen to XXXXXXXX XXXX and they told me that it wasn't enough. I also have my policy numbers so if its possible please help this has caused a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submitted a dispute on this website with CFPB over unfair hotel holds on my card after checking out during the XXXX week in XXXX FL and that has led to retalization on XXXX XXXX XXXX card status. I have had this card for over 22 years and they made a decision to disallow my PAY OVER TIME feature of this XXXX status card. 

The reasons listed by Experian in the letter sent by XXXX XXXX are fraud and it has resulted in XXXX XXXX underwriters taking away benefits that I just paid {$550.00} for in Card Fees. 

Please have XXXX XXXX reverse their decision.

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 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX XXXX, 2019 I made a cash deposit of {$1000.00} into the atm at PNC Bank. I deposited the money like i normally do for some reason after it counted the money the screen went blank and said transaction can not be completed contact your finaical institution and gave me a receipt but no money came out. So i then did a balance inquiry to see if money went into my account no money. So I go inside tell them what happened show them receipt. The manager said you have to put an atm dispute request in. I do that I call a few days later to check on it they said its still under investigation. I took many trips to the branch and many phone calls for them to tell me after 20 plus days that their video doesnt show me using the atm. I have a receipt showing you I did matter fact I have two receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is currently and still reporting an inaccurate account on my credit report. 
They refuse to allow me to submit another dispute because of a previous dispute on same account 5 months ago. the issue was never corrected then and it still remains now. this account listed by XXXX XXXX XXXX XXXX XXXX, First Reported XX/XX/2011 needs to be removed for the following : Student Loan Account Info 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 explanation
Consumer complaint received 2019-02-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I submitted a dispute on this website with CFPB over unfair hotel holds on my card after checking out during the XXXX  week in XXXX FL and that has led to retalization on XXXX XXXX XXXX card status. I have had this card for over 22 years and they made a decision to disallow my PAY OVER TIME feature of this XXXX status card. 

The reasons listed by XXXX  in the letter sent by XXXX XXXX are fraud and it has resulted in XXXX XXXX underwriters taking away benefits that I just paid {$550.00} for in Card Fees. 

Please have XXXX XXXX reverse their decision.

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 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I disputed a Charge by XXXX XXXX XXXX and won the dispute. So now XX/XX/2019 I recieve the letter attached stateing that my corporate Credit Card limit is being lowered {$1000.00}. I object. These 2 entities are not related to my personal debt and therefore they have no reason to take my personal credit into account on a business card. 

American Express has discriminated against me personally. I object or they have decided to lower my credit limit due to my winning the dispute with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I notified the company CPS about my recent accident on XX/XX/XXXX. My car had pretty significant damages but I was currently taking the other driver to court and paying my loan and insurance and also notified CPS around XXXX XXXX. that I would need an extension until I go back to work XX/XX/XXXX. An extension was granted and to this day it states I don't have anything due until XX/XX/XXXX. I found out today XX/XX/2019. My vehicle was repo 'd while at the repair shop. I received no phone call/voicemail/letter stating this was going to happen. No notice stating that it was even an option. If it were, I would have done what was needed to prevent it. Especially while currently dealing with an auto injury/ prop damage case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft and have tried to resolve this issue several times by calling Equifax but the information remains the same. I have valid police reports to assist and filed a report with the federal trade commission regarding identity theft. I am asking that Equifax removes this information from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX debt was paid in full to original creditor XX/XX/XXXX. I was told by original creditor debt would be removed within 30 days by TSI collection agency on two occasions by phone in XX/XX/XXXX and XX/XX/XXXX. Received collection notice debt paid in full with a XXXX  balance from TSI transworld systems XX/XX/XXXX. Account is still reporting on all three credit reports after being told it would be removed in XX/XX/XXXX it is now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: NC

Complaint narrative:
We were the victims of a real estate scam that forced a bankruptcy filing. Bankruptcy ; Docket : XXXX XXXX The bankruptcy was vacated. Both XXXX and XXXX quickly removed the item, and we shared the removal letters with Experian, and they refuse to comply with the results of the investigation of the other two bureaus and are in violation of Section 623 of the FCRA, Section D, information to this effect is to be shared with your bureau.

( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.

Also we provided them copies of both removal letters and a follow up letter from XXXX citing that the item in question no longer appears. In conjunction we have contacted the courthouse where matter was disposed of and were told on more than one occasion that there was no way that Experian verified or validated a debt through them given that court dockets are not shared with credit bureaus. We have been asking since XX/XX/18 for proof of the method of validation and have been ignored.

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 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My husband and I have been Citibank customers for over 40 years. Over the years he has had a checking account where I have been a signer. About 5 years ago we completed paperwork ( which I do not have ) to turn this into a joint account. I have always had banking access to this account on and off line. 
My husband died on XX/XX/2018. I am his estate executor.I went to the bank branch on XXXX XXXX XXXX in XXXX with his death certificate to straighten out the account and report his death in XX/XX/XXXX. 
The bank stated that ( " according to their computer '' records ) not only did I not have any authority but I was not noted as a signer. I asked for the account paperwork and this was was something they could not/would not entertain. 
Unknown to me, the account then was closed down so that I no longer had access. 
All my financial statements, bill payment information and check copies and year end summaries for 2018 and prior were inaccessible. In other words my entire financial life was " erased '' could not be used. 
For estate settlement purposes, taxes and general record keeping this is an untenable position and creates a significant hardship in recreating valuable information. 

I contacted Citi 's phone customer service at least 6 times between XX/XX/XXXX and this writing requesting bank statements, bill payment information ( both payees, and histories which they said they could migrate to my account-this didn't happen ). I did get emailed bank statements for 2018. That is not enough. They said they could not restore access and have failed to provide me with the needed info. This practice is highly detrimental, and clearly the information imputed into the computer about this account is inaccurate. 
I would like to regain full access to this account so I can handle my financial life and husbands death. A closed account that is inaccessible like this is unexcusable in this type of situation. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Reference Complaint ID : XXXX-XXXX Thank you for your assistance in my attempt to close out five savings accounts with Capital One. You have all this information in my complaint file. I attempted to call Capital One as per their suggestion after CFPB got involved. This was unsuccessful as I could not get through their phone maze. Thus their solution was no solution at all. Capital One has the written/signed letter from me requesting the close out of these accounts ( 5 ) and wire the funds ( c. {$64000.00} ) to my checking account. All this information is one their system. This has been going on for a month. This is unethical and illegal. Please intercede again in the expectation of finally getting this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card with Bank of America that used to carry balance. I paid off balance in full in XXXX, but in XXXX I was charged {$1.00} minimum interest fee. I called the bank and their representative was trying to convince me that it's an interest on purchases. However, in my statement it's clearly stated that no balance was subject to interest rate. After I pushed for connecting me with a supervisor, the representative talked to someone and gave me unclear explanation of the situation. He claimed that the change appeared because I had balance in the previous cycle and was subject to interest rate charge, which doesn't make sense since I paid the balance off. This month I made sure to pay off my balance and took sreenshots of my account to have a proof, yet I was charged another {$1.00}. It's not that much cheaper money, but it's very unfair that Bank of America keeps charging me and their customer support can't even provide explanation of the charge.

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 2019-02-06 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: TX

Complaint narrative:
Experian XXXX XXXX legal ownership of said account You state you validated this account Well if I paid this account I own this account right, I have not received any documentation or notice from you for validation { law 's the law } you are falsly reporting this account REMOVE IT example XXXX owns contract sale said contract to consumer for full payment that gives the consumer now the furnisher the all legal rights. CFPB is this not correct you have violated my rights damaged my credit cost myself a lot of loss of income

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 2019-02-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian requires me to send proof that a collection was paid off by submitting documentation to the www.experian/upload. 
the site does NOT work, i have tried multiple times, addtioanlly Experian will not allow me to dispute online either.

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 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SLM CORPORATION
State: NC

Complaint narrative:
My credit report indicates a hard inquiry from XXXX XXXX on XX/XX/2017 and XX/XX/2017. At that time I was applying for financial aid via ( XXXX ) not a student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Im behind on payments I asked to pay the amount to reinstate the account and they state they wont until I pay there fees and all the payments they request they wont help a customer with there fees and on top of it they prefer for customers to loos their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is a tribal payday loan company. I took a loan with this company but found out they are illegal to do business in the state of Florida after the loan was taken. I reached out to XXXX to delete the loan immediately from my credit files since they are not licensed to do business in FLorida. The company refuses to adhere to my state laws.

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 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allgate Financial, LLC
State: AL

Complaint narrative:
Judgement in NY against XXXX XXXX for {$1400.00} by XXXX XXXX XXXX, XXXX in XX/XX/2013. 

I believe that this violates CFPB Admistratuve PrAlso, the judgement from 2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can close. 

Also, the judgement from 2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can proceed This came up during a refi and not in a credit report this week during a title search. I have no knowledge if this judgement and have had several where this judgement never appeared. 

Please remove and or show proof of service. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Al XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation