vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-03 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: FL

Complaint narrative:
I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX and have provided the corroborating documentation from XXXX as evidence. 
I spoke with XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an Equifax representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX and XX/XX/XXXX as 60 days late. 
I am also providing a copy of the letter from XXXX which states the month reported as delinquent as XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX. 
I believe that the computer program that Equifax utilizes is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Brightwater Capital, LLC
State: GA

Complaint narrative:
Brightwater Capital through XXXX XXXX and XXXX XXXX XXXX Georgia have recently garnished my paycheck on XX/XX/XXXX and XX/XX/XXXX for a debt that was already satisfied by $ XXXX/month consecutive payments made first in XX/XX/XXXX through XX/XX/XXXX. I have my cancelled checks as evidence. It would appear that once i satisfied the debt, the debt collector had a responsibility to file the appropriate dismissal with the same court they filed the suit in. This unlawful garnishment has caused me and my family immeasurable pain as I had my home on the market and was under contract for my new home when I was made aware of the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I walked into the bank to deposit a check at the tellers window, from a trust account ( 95 % of my deposits are from trust accounts, I am a real estate agent and the escrow companies that close the files only use trust accounts by law ). I have made at lease XXXX deposits from trust accounts since banking with Bank of America. This instance, they cleared the funds XX/XX/2019 completely, credited my account the full amount XXXX both checks ) and then took money back out of my account on XX/XX/2019 claiming it was a " hold ''. The letter states the funds were placed on hold on XX/XX/2019 ( which is untrue ) and that the funds will be available XX/XX/2019 ( which violates the Federal law the Expedited Funds Availability Act ). How can they continue to get away with this?

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 2019-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I try to open a account with a Wells Fargo They said they will send a letter in 10 days letter came in no reason

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 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX and have provided the corroborating documentation from XXXX as evidence. 
I spoke with XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an XXXX  representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my XXXX credit report dated XXXX showing the date of first delinquency as XX/XX/XXXX and the 81-month payment history which shows XXXX of XXXX and XXXX of XXXX as 60 days late. 
I am also providing a copy of the letter from XXXX which states the month reported as delinquent as XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX. 
I believe that the computer program that XXXX utilizes is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over.

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 2019-08-03 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: FL

Complaint narrative:
I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX XXXX and have provided the corroborating documentation as evidence. 
I spoke with XXXX XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an Equifax representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Mortgage Acct : XXXX as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX as 30 days late. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Equity Acct : XXXX as XX/XX/XXXX and the XXXX payment history which shows XX/XX/XXXX as 30 days late. 
Since I have filed my complaint with XXXX XXXX, the representative and the company provided me with the Discharge of Mortgage ( see copy ) on XX/XX/XXXX which was submitted on XX/XX/XXXX. 
I believe that the computer programs that Equifax, XXXX and XXXX utilize is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over. 

I have spoken with representatives from Equifax, XXXX and XXXX in an attempt to have this problem corrected and properly reported so that these negative accounts will be removed in accordance with the 7 year timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW claims I did not submit my deffered payment application on time which is not true. The application process is extremely difficult and confusing to the average user my contact with them were multiple and we'll documented I am seeking a fair review of my original application and would appreciate your assistance on this very matter. My contacts with BMW include but are not limited to the following. 

XX/XX/XXXX- XXXX approx at noon XX/XX/XXXX XXXX `` '' XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I spoke with an employee they were unable to assist me I was calling to inform them that their portal was not functioning correctly and I require immediate assistance no fault of my own I was unable to successfully submit the required paperwork through the portal on the BMW app due to the state of their portal functionality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was talking to a woman named XXXX XXXX, whom her email is XXXX. We agreed to exchange money for 2 tickets for a concert, the concert tickets never came through. She suggested for a " friends/family '' transaction through Paypal, and then never sent me the tickets. I tried to dispute this transaction through paypal yet they were of no help at all. I have the emails and conversation showing this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Company said they would just move my late payments to end of load 6 months later we were told we had to do a repayment program no other choice. Acid it wouldnt negatively affect our credit and would show current from the time of the repayment program and it showed past due until I finished the program

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I am a few payments behind on my Capital One card ending in XXXX. I chatted with an agent online and explained my situation and they were very nice and set me up on a financial hardship plan that would lower my monthly payment and reduce the interest. I was not told when to pay so I waited for something in the mail. Nothing ever came. So today, I logged in and my payment still showed the same so I chatted with another rep and was told I was on a payment plan through a " 3rd party debt management '' - and gave me a different ph # to call. I called that ph # and spoke to an account manager and was told no, we have no record of anything set up for you. So I went back to Capital One and chatted with yet another rep and told them that and they again told me to contact my " 3rd party debt management ''. I have never had a 3rd party debt management!!! I don't know what they are talking about. So I asked how do I get a copy of the original chat transcript from a few weeks ago. I was told that is not possible. SERIOUSLY? I did not imagine this. I want a copy of that transcript as proof that I DID contact Capital One for assistance and was put on a payment plan .... but nobody seems to see that or know what I'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
J.J Marshall & Associates Co., Inc. Is attempting to collect on a debt that has already been tried to paid by the insurance company but they refuse to take the money and now reposted it under my own personal credit report. I have attempted to communicate with them via certified mail to clarify and verify this debt and they have failed to do so within the required 30 days.

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 2019-08-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
File Number : XXXX Ref : XXXX XXXX Amount {$110.00} Reported on XX/XX/XXXX To Whom it May Concern, The enclosed letter was provided to me from Transunion in response to a dispute I filed concerning an item that was erroneously being reported on my credit report. 

I filed the dispute online through XXXX on XX/XX/XXXX and they didnt complete their investigation until XX/XX/XXXX, a total of 33 days. 

Because the law states that a credit bureau has 30 days from the time they receive a consumers dispute to conduct an investigation and not 33 days the credit bureau is violating my rights as a consumer and therefore the referenced account should be removed from my file so as to not cause me any more undue hardship. 

Thank you kindly for your assistance in this very important 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 explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX XXXX and have provided the corroborating documentation as evidence. 
I spoke with XXXX XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an XXXX representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my XXXX  credit report dated XXXX showing the date of first delinquency for the XXXX XXXX XXXX XXXX Acct : XXXX as XX/XX/XXXX and the 81-month payment history which shows XXXX of XXXX as 30 days late. 
I am providing a copy of my XXXX  credit report dated XXXX showing the date of first delinquency for the XXXX XXXX XXXX XXXX Acct : XXXX as XX/XX/XXXX and the 81-month payment history which shows XXXX of XXXX as 30 days late. 
Since I have filed my complaint with XXXX XXXX, the representative and the company provided me with the Discharge of Mortgage ( see copy ) on XX/XX/XXXX which was submitted on XX/XX/XXXX. 
I believe that the computer programs that XXXX, XXXX and Transunion utilize is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over. 

I have spoken with representatives from XXXX, XXXX and Transunion in an attempt to have this problem corrected and properly reported so that these negative accounts will be removed in accordance with the 7 year timeframe.

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 2019-08-03 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 have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX XXXX and have provided the corroborating documentation as evidence. 
I spoke with XXXX XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an XXXX representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my XXXX credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Mortgage Acct : XXXX as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX as 30 days late. 
I am providing a copy of my XXXX credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Equity Acct : XXXX as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX as 30 days late. 
Since I have filed my complaint with XXXX XXXX, the representative and the company provided me with the Discharge of Mortgage ( see copy ) on XX/XX/XXXX which was submitted on XX/XX/XXXX. 
I believe that the computer programs that XXXX, Experian and XXXX utilize is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over. 

I have spoken with representatives from XXXX, Experian and XXXX in an attempt to have this problem corrected and properly reported so that these negative accounts will be removed in accordance with the 7 year timeframe.

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 2019-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I opened a SunTrust checking account in XX/XX/2019. I had my XXXX benefits deposited direct deposit into the checking account. The first deposit was made XX/XX/2019. On XX/XX/XXXX I had a company call me regarding a loan that I had applied for online supposedly. They said their name was light stream loans which are affiliated with SunTrust Bank. They asked me for my login information in order to deposit the loan to my account. I tried to check my account the next morning and was that unable to. I could not log into by phone or through mobile banking. I called and talked to a representative who informed me my account was confidential and could not be accessed by anyone. They told me that I had to have done this. I asked them if I could use my ATM card to withdraw my money they said no. I have no access to the account or my money. They can't tell me anything and will not help me. There is no branch in my state. Which is Texas. I get XXXX due to a XXXX XXXX. The money is not enough to make a living each month. Although I do desperately depend on the little money I get. I have no way to access my funds. Please help me

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 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attached attachments as proof. Transunion-which is the ONLY credit bureau the company, XXXX XXXX XXXX, usesreduced and then reported a WRONG score of XXXX to them which caused a result in denial of credit for approximately {$150000.00}, on XX/XX/2019. I reviewed my own score on XX/XX/2019, which was XXXX, which met XXXX lowest score requirement of XXXX! When I received their denial I immediately inquired why thinking discrimination ; however, when I received the letterattachedI can clearly see is possibly discrimination but definitely a violation of my rights under FCRA on the part of TransUnion Credit Bureau. I checked it AGAIN AFTERWARDS and it is now XXXX, still higher than the XXXX that XXXX required!!! TransUnion is vaguely in violation of consumers rights we should be able to file class-action lawsuits! TransUnion has regularly reported false and fraudulent reporting, but this goes beyond measure.

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 2019-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
The Home Depot Credit card services ( Citibank ) has called me no less than 4 times each day to try to collect a debt. 
I missed one card payment and told them that I would pay in a couple of weeks because I just got a new job. I only missed one payment. Rather than wait until the 2 weeks went by, they call at least 4 times each day and it is more than annoying. I'm trying to work and they are blowing up my phone- which causes issues with my work.

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