vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I created a myEquifax account to submit a dispute as required by this comapy. I did everything properly and then on XX/XX/XXXX Equifax sent an email stating they needed more information to link my dispute with my account even though I submitted the dispute through the myEquifax account. On XX/XX/XXXX I faxed the requested information to the number Equifax gave me along with the confirmation number to my dispute. I then followed up with a call and spoke to an American representative at Equifax to make sure the paperwork was received but they told me it took 5 business days so the gentleman took all the information and verified my account over the phone to complete my dispute submission. Since then I received the same email request for the information and when I log in to my account to check the status of the dispute it still says unable to link my dispute with my account. On XX/XX/XXXX, I received an email that my dispute was completed and to login to see the results but once again it would not show my results. I called Equifax and spoke to another XXXX representative and was told to call back in a few hours cause their system was updating but their website says they are available from XXXX to XXXX seven days a week. For years I have had this issue with Equifax. I started to do a new dispute and I see the original account I dispute to be updated but not deleted. I provided proof that the account was an error but since I am a commodity to Equifax correcting the error was not in their best monetary decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.

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 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.

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 2019-09-29 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: AFNI INC.
State: FL

Complaint narrative:
The creditor is XXXX and the collection agency is Afni, Inc and they are reporting to my credit agencies affecting my credit. This is not my  account, I have sent validation letters and several dispute letters, yet this is still appearing and affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: IL

Complaint narrative:
I have attempted many times to dispute inaccurate, outdated information with Experian credit bureau regarding a creditor called XXXX XXXX ; the most recent attempt was on XX/XX/2019. On that date, I called Experian credit bureau and disputed the accuracy of the information being reported by XXXX XXXX and that account had been closed and also that it had been included / discharged in  my chapter XXXX bankruptcy. I received notification from Experian by email XX/XX/2019 that the result of that particular dispute of XXXX XXXX had been completed and the results indicated that Experian decided to make no change and the creditor is still reporting inaccurately, exactly as before. Experian went on to say that results of their contact with XXXX XXXX were that the information was 'verified '. The information that Experian continues to allow creditor to report about me is most definitely inaccurate and could not have been verified as XXXX XXXX is included in and discharged under my chapter XXXX bankruptcy. At this point, both Experian and XXXX XXXX are violating my rights and laws under the federal bankruptcy protection code and which I'm required relief.

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 2019-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
I applied for a mortgage with Amerisave ... .... 

Back in XX/XX/XXXX, I disclosed to the Representative over the phone on a Recorded Line that I had a Bankruptcy in XXXX. The Bankruptcy is also Clearly Obvious on my credit report as well. I was hoping they could offer me a lower rate since the rates have come down over the last year. I have no problem with FHA Loans as long as it works for me, and there is a Tangible Benefit.

They took my application, took my Debit Card, took {$500.00}, did an appraisal and told me I was approved and I would be at the closing table in a few days. The very next day I got an email telling me the loan was cancelled because of the Bankruptcy. They knew that from the beginning, now they will not give me that loan, and there is no other loan for me, and they will not give me my money back. They could have made the decision to Decline the loan without ever getting a Fee from me, there was no need for Fees if I dont qualify for any of their loans. 

Considering they had no intention on giving me a mortgage, I feel like they just wanted to steal money from me. I had to go to my bank and file a dispute and wait two months to finally get my money back. When I finally heard back from the Representative I was working with, she told me she went to bat for me. I am not sure what that meant since she was the one initiating the loan and allowing this whole thing to go on. Then she told me I could dispute it with my bank. Who on earth does Business this way? If you don't like us stealing from you, go back to your bank and try and get your money back! What a way to take care of your client!! 

I would like to see this company audited and perhaps investigated, especially after I read several other reviews online where past applicants have had the same exact issue. Sadly for them, they never got their money back. To lose {$500.00}, that hurts, I work for a living. These people need the Mortgage Police!

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 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OK

Complaint narrative:
XXXX put an item on back on my credit after taking it off three years ago. Back in XX/XX/2014 I disputed an XXXX item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back??? I never receive an letter from collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma
State: NM

Complaint narrative:
XXXX XXXX XXXX called me XX/XX/XXXX to say I owed {$1000.00} To XXXX -- They offered to settle the debt in payments for 6 months that would amount to {$1800.00}. I told them I could pay {$1000.00} on the first to clear debt. Name of company if you dial it is SCI. But I was not sure what I owed XXXX since before I had a care giver XXXX XXXX to help with my finances and keep track of payments. Since I have had several XXXX XXXX and XXXX XXXX. Also on line is proof I was recently XXXX in the XXXX with a XXXX XXXX by my dog that XXXX  my XXXX and XXXX my XXXX XXXX and XXXX XXXX XXXX leaving an ounce of lead shot in my XXXX. Needless to say this has been hard without a care giver. You know I was not thinking so I called that number back and I explained that I am not sure if I am being scammed and I want to call XXXX to be sure this company is legit. I also want to know for sure I owe this amount because I am not sure in my mind if I owe money or the amount if I do. 

I called XXXX several times, some problem here with memory and did not answer their security question right but finally got through and then they needed me to send an ID photo which I did. Yet they will not give me the amount I owe and even after getting through and sending the ID. Maybe XXXX can justify the record of 5 different phone conversations I have had trying to get my information and their getting me to verify by sending them a copy of my valid ID but for a senior I would not advise you to be a customer with them. The hours I have spent are frustrating just only to get information to verify if SCI is their debt collecting company and if {$1000.00} one time payment or {$1800.00} in six payments is justified to pay off what I owe and if {$1000.00} is really the amount I owe. XXXX has up to now refused to tell me anything even with all the proof I have given. XXXX phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
At the beginning of XXXX, I received a promotional offer from PenFed for {$50.00} back if I spent either {$500.00} or {$1000.00} within the month ( both amounts were listed as 'required ' in their terms -- extremely unclear and poorly worded ). I emailed for clarification and got no response, an ongoing issue with PenFed 's customer 'service ' department as will be noted shortly. I contacted them again, given the time-sensitive nature of the offer, and was told that they would NOT honor the {$50.00} for {$500.00} offer and I would have to spend a full {$1000.00}. So I jumped through a number of hoops to move auto payments around to get that done, only to get another email over a week later ( again, this is a promotion that was only good for a month ) that oh, oops, they'd screwed up, they did have to honor the original offer for {$500.00}. At the same time, I got another offer ( snail mail ) for {$50.00} off {$1000.00}. I asked if they would honor both given that I'd received both. Again, no response. Again, I ask again. PenFed acknowledges that they are completley responsible for the mistake, sending multiple offers, the bad information I was given, the incredibly late correction given the time sensitivity of the issue, and yet they aren't going to do anything -- their customers are just going to have to absorb their mistake. I contact them again asking for a manager or supervisor to reconsider given how poorly this was handled. Again, no response. I FINALLY get someone on the phone on XX/XX/XXXX and per her given the amount of hassle and incredibly poor customer service on PenFed 's  part she would immediately have credited my account the missing money, but since this promotion was through a credit card it had to get approval. However, she would forward it directly to them and I would have my response in writing shortly. It's now XX/XX/XXXX ( OVER a month ) and PenFed 's  complete lack of customer service continues as I still have no response and no credit for the second promotion.

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 2019-09-29 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: CA

Complaint narrative:
This complaint involves a Capital One credit card. 
I had a 30 day free trial with a company called XXXX XXXX XXXX, a fantasy football service, back on XX/XX/XXXX. So I cancelled my free trial, before the 30 days were over.I have the cancellation receipt. 
So this company had my credit card information, and 9 months later, they started charging me monthly- {$29.00}. So if I hadn't cancelled their service, I would've been getting charged the previous 9 months too, you know? 
So I contacted Capital One, provided them the receipt showing I cancelled this service, and Capital One told me my cancellation receipt wasn't enough information?? 
I'm so upset with Capital One, they treated me like I'm some kind of criminal, and this company was the one that took my credit card number and started billing me randomly after a 9 month hiatus. 
I got billed 14 times for {$29.00}, as this company started billing me twice a month for some unknown reason, in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I just thought I post this situation, so someone considering any Capital One credit card, might want to rethink about it. 
What is funny, is the same thing happened to my wife, she had the same problem with her XXXX XXXX credit card and the same company, XXXX XXXX XXXX, starting to randomly starting to charge her card a few months after cancellation, and XXXX XXXX was great. They immediately credited my wife 's account, didn't treat her like some crook, and didn't have her on the phone for 3 hours like Capital One, and didn't make her wait for weeks for a decision, and then favor the rogue, scam company. How obvious was this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX, ,I Applied For A Personal Loan With Wells Fargo Bank On About The XXXX Of XXXX, ,And Was Denied Again For The,20th Times??? etc, ,I Very Disappointed About This Decision, ,I Really Don't Understand What Happened, ,To My Credit, ,I Used To Have Very Standard Credit, ,Now My Credit Is So???? Up I Can't Even Get A Bank Loan Or A Credit Card, ,What Happened With My Credit, ,Last Time I Applied For Bank Loan And Card They Told Me My Income Was Too Low, ,This Was Back Year, ,XXXX, ,XXXX, '' XXXX, ,XXXX, XXXXand XXXX, ,XXXX XXXX Should Be Ashamed. Of What They Caused, ,They Are Really Messy, ,With This Issue, ,I Have A. Copy Of The Last Statement That Was Sent To Me From Them On XX/XX/XXXX, ,And Is Also Mentioned In The Letter, ,That There Was Too Many Accounts Open In My Name, ,How Is This Possible??

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 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an XXXX item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back???

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 2019-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
When I graduated from college in 2008, during the recession, jobs were limited and I had XXXX dollars in student loan debt. 

Sallie Mae ( now Navient ) had then decided to raise the interest rates of my student loans from roughly an average of 5-7 % to 10-14 % on loans as large as {$22000.00}. As you can imagine, that destroyed my credit and I had to default on a few loans because I was working three jobs and paying for rent. 

Today, I stand with XXXX dollars in student loan debt, working as a XXXX  XXXX  XXXX and XXXX driver with two small  XXXX and a XXXX   who is also a XXXX. Every day we talk about how, if I had not had loans with this company, we would probably be in better financial standing today, tomorrow, and for our kids ' futures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
It's against Bank of America : I sold a used old car and i get paid by a check, I deposited the check in my bank account and after it shows the amount in my account, I delivered the car. 
after few days, the check bounced back and my account became by minus, and the bank closed my account

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 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On XXXX XXXX I received a communication from USAA asking me to verify debit card activity on my account. I was traveling on business and didn't have access to the many references they require to deal with their customer service. They then put a block on my account so even routine transactions from trusted merchants wouldn't post XXXX XXXX, XXXX, etc. ) They did this on their own without consulting me or having any indications of fraudulent activity on my account. 

I don't live near a USAA branch so I have no other way to access my funds directly. 

When I returned home from my business trip I called them on XX/XX/2019 and spoke with XXXX. She refused to reactivate my card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Sir/Madam, I recently opened an Adv Plus Banking checking account in XX/XX/2019, with a promotion bonus opportunity of {$100.00} at the moment of signing-up. Then I made multiple $ XXXX direct deposits into this account in XXXX. However, I still didn't receive the {$100.00} bonus as described in the letter I received for the bonus. So could you please investigate this issue and send me the {$100.00} bonus? 

Thank you very much, 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 2019-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
XXXX XXXX XXXX called me XXXX XXXX to say I owed {$1000.00} To USAA -- They offered to settle the debt in payments for 6 months that would amount to {$1800.00}. I told them I could pay {$1000.00} on the first to clear debt. Name of company if you dial it is XXXX. But I was not sure what I owed USAA since before I had a care giver XXXX XXXX to help with my finances and keep track of payments. Since I have had several XXXX XXXX and six XXXX. Also on line is proof I was recently XXXX in the XXXX with a XXXX guage by my dog that XXXX  my XXXX   and XXXX my right XXXX and cracked XXXX XXXX  leaving an ounce of XXXX XXXXXXXX in my XXXX. Needless to say this has been hard without a care giver. You know I was not thinking so I called that number back and I explained that I am not sure if I am being scammed and I want to call USAA to be sure this company is legit. I also want to know for sure I owe this amount because I am not sure in my mind if I owe money or the amount if I do. 

I called USAA several times, some problem here with memory and did not answer their security question right but finally got through and then they needed me to send an ID photo which I did. Yet they will not give me the amount I owe and even after getting through and sending the ID. Maybe USAA can justify the record of 5 different phone conversations I have had trying to get my information and their getting me to verify by sending them a copy of my valid ID but for a senior I would not advise you to be a customer with them. The hours I have spent are frustrating just only to get information to verify if XXXX is their debt collecting company and if {$1000.00} one time payment or {$1800.00} in six payments is justified to pay off what I owe and if {$1000.00} is really the amount I owe. USAA has up to now refused to tell me anything even with all the proof I have given. USAA phone number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation