vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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: MS

Complaint narrative:
I have dispute the accuracy of an account with Transunion multiple times. The date below are dates that I have submitted a dispute with Transunion for the 30-60 day late payment on my account with XXXX. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I get a notification that my dispute is complete and has changes, yet it does not have changes. My XXXX account was marked late XX/XX/XXXX, 30-60 days late. Which it was not, a payment was made on the XXXX day. I have contacted XXXX numerous times regarding it around XX/XX/XXXX, and was told they would remove it, which they did not so I resulted in disputing it with Transunion. 

This is not the first time this has happened with Transunion. It appears as if they do not even collect or contact the creditor for information regarding what is being disputed.

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 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 i sold my home. My payments were being auto-deducted from my checking account with XXXX XXXX XXXX. Once the home was sold i called the XXXX customer service dept to stop my automatic payments, i was told not to worry about it that SunTrust Bank ( they held my mortgage ) would reject any future payments. In XX/XX/2019 i noticed that my monthly mortgage payment was still being made. I immediate called XXXX XXXX XXXX to get the payments stopped. After my conversation with the XXXX representative my payments were stopped. At this point i researched my payments and found out ( 7 ) payments had been made & only ( 5 ) have been credited back to my checking account. I then contacted Suntrust Mortgage ( what a nightmare they are ) After numersous, at least 4, calls to their customer service, i was told that they have returned all payments. I have repeatedly told them & emailed them proof from XXXX XXXX XXXX that they have only send back ( 5 ) not ( 7 ). They are blaming XXXX  & the 3rd party vender XXXX, and state they have sent them back, however, they can offer me no proof of this, despite the fact that if have sent them proof from XXXX XXXX, that only ( 5 ) have been sent back, i have sent Suntrust copies of statements that XXXX has provided me, yet they still say its not them, its XXXX, but they wont produce checks are online proof they have refunded them. At this point they still owe me {$2500.00}, and they wont pay me. I dont know what else to do? I hope you can help. 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 non-monetary relief
Consumer complaint received 2019-09-26 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: TX

Complaint narrative:
Experian did not report correctly. I did pay XXXX XXXX XXXX on time in XX/XX/XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XX/XX/XXXX. I did pay on time! 

Experian also did not show report on XXXX XXXX XXXX. I also did pay on time. Last pics are of XXXX XXXX XXXX report. 

Experian scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with Experian as they require me to call. It s plm using interpreter due to unclear screen. Best is to be dibe thru online. Experian has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.

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 2019-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX  Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same 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 2019-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am in the Public Service Loan Forgiveness Program with MyFedLoans. I have been employed with the State of California for almost 7 years, and have been making payments regularly under PSLF. MyFedLoans have still not provided me with an accurate accounting of my loan payments made, after countless phone calls and emails to them. My MyFedLoans account is not up-to-date, and I would like this fixed immediately. Some of my loan payments have been counted this calendar-year, and some have not, with no explanation from MyFedLoans. 

I would like this issue resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I returned all XXXX equipment and changed carriers now I am getting calls from diversified collectors saying I owe XXXX XXXX plus dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, FREQUENTS CHECK CASHING AGENCY. DIFFERENT RATES CHARGED FOR CASHING MONEY ORDERS. EVEN IF THEY ARE PURCHASED FROM CALIFORNIA CHECK CASHING. SEVERAL YEARS THIS HAS BEEN GOING ON. XXXX, EVERY MONTH, IN PARTICULAR, XX/XX/XXXX TO  PRESENT. MENTIONED IT TO DIRECTOR WHO DID NOT REALIZE A DIFFERENCE. SINCE IT'S MY MONEY I SEE THE DIFFERENCE. IT IS FELT. EMPLOYEES DIRECTOR SAID THAT I WAS NOT GETTING REFUND. INTENTIONAL ACTS OF THIS GROSS NEGLIGENCE WARRANTS YOUR COMPANY OF THIS FORM OF PRICE DISCRIMINATION. TOTAL DAMAGES {$5000.00}. EVASIVE CONDUCT LEADS TO NO CLAIM #, CA PENAL CODE XXXX, {$50000.00}. EMPLOYEE XXXX EXCLAIMED, " FOR  WHAT ''? AS TO CLAIM NUMBER. FALSE PRETENTIONS OF CO-WORKER XXXX SHOOTING ME. THAT'S WHY XXXX DID NOT SUPPLY CLAIM #. A COMMUNICATION I.D . ON XX/XX/XXXX, XXXX, WILL NOT DO.. REQUEST WAS MADE XX/XX/XXXX, DAY OF OFFICIAL CLAIM, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Macy 's XX/XX/2019 Payment Due Date New Balance XXXX which included a carryover balance from the previous month of {$1.00} plus {$2.00} minimum interest charge. 

I paid {$3.00} on XX/XX/XXXX. 

XX/XX/2019 Payment Due Date New Balance XXXX which is the minimum interest charge I don't understand how they can charge me an minimum interest charge when I paid my balance in full. It seems like its a never ending cycle. 

I called and the representative said if you pay your bills on time you won't be charged fees. I pay my bills on time and always make more than the minimum payment. I have perfect credit and a great score. I think they are trying to gouge the consumer and to me something is wrong here. How can the minimum interest be more than the balance for one? And why would I be charged the minimum interest if I don't even have a balance.

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 2019-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank approved me for a {$300.00} limit XXXX XXXX card. I haven't used for a little since waiting to use it. They closed it cuz i didn't use it a lot. Which isn't fair. Now told me apply again but won't let me get it. Due to me rebuilding my credit. I think it is totally unfair that they closed it when wasn't misusing it. No real explanation. Cant believe cards companies do this. When people trying to rebuild credit. No real talk. Not professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Caine Weiner is claiming I owe them {$190.00} I have no contract with this company and I'm not sure why its on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NC

Complaint narrative:
I received a Brinks Prepaid Mastercard in the mail today with my name on it and an account number, and I never applied for one! 

I have no idea if someone else applied for this using my personal information or what, or if this is a really bad marketing ploy on their end! Either way, I think its wrong and Im really worried something bad is going to happen. 

Can you please help me? 

Thank you. 

Respectfully, 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 2019-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Yes have a XXXX card. I use all time. I had original XXXX limit. Yet i was on time and doing all i can. I had the card awhile. Yet i ask for up in credit limit. I was denied which is ok. What really gets me is the lower my limit by XXXX. Now only have {$100.00}. Which is totally unfair. How can one do that when they already approved you and your account was current. This totally unfair and bias. I told them and didn't care. Even talk to them how i know someone worst off then me and you denied him also for increase but never lower the limit that he had. They didn't care. Weren't helpful. Not good customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have submitted two claims one for XXXX and one for XXXX. My bank is holding the charges. I have talk to the the company and they have investigated the funds that are missing and they do not have it. Bank of America has given me multiple dates on when i will get my funds. They have not issued a temporary credit.

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 2019-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I purchased a used truck at XXXX. At the time of purchase, I was told the payment will not be due until 45 days from the date of purchase. I did not know the first payment was due 30 days from the date of purchase until my credit score dropped. XXXX told me a lie about my first payment being due and now I have a late payment on my credit report which has affected my score. I spoke to J.P. Morgan Chase bank about the late payment and they told me there is nothing they can do. I contacted the credit bureaus and was told I have to contact the lender ( J.P. Morgan Chase Bank ). I  informed credit bureaus that I already spoke with the lender. So now I'm stuck with the first late payment on my credit report which I genuinely care about. I just want the late payment off my credit reports as I been requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX did not report correctly. I did pay XXXX XXXX XXXX on time in XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XXXX. I did pay on time! 

XXXX also did not show report on Wells Fargo Auto. I also did pay on time. Last pics are of Wells Fargo Auto report. 

XXXX  scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with XXXX as they require me to call. It s XXXX using interpreter due to unclear screen. Best is to be dibe thru online. XXXX has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.

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 2019-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX did not report correctly. I did pay Bank of America on time in XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XXXX. I did pay on time! 

XXXX  also did not show report on XXXX XXXX XXXX. I also did pay on time. Last pics are of XXXX XXXX XXXX report. 

Experian scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with XXXX as they require me to call. It s XXXX using interpreter due to unclear screen. Best is to be dibe thru online. XXXX has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.

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 2019-09-26 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: GA

Complaint narrative:
I received a copy of my credit report and there was several errors and incorrect information reporting with regards the Dept of Education/XXXX. My account has been in deferred status for several years with XXXX amount due. My XXXX, XXXX, and Transunion reports are incorrectly showing that I was 90 days late in XXXX and 180 days late in XXXX and in XXXX. Please assist me in removing these inaccurate late reportings from my credit file. 

There are 10 Dept of Education Accounts reporting this inaccurate information on my credit file.

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 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Stated that they were unable to lower the interest rate. Stating its a government loan and theres nothing they can do about it. Also stated you are the one who took out the loan in the first place. Also stating the co-signer makes enough money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Apply for Capital One quicksilver one for rebuilding credit. I was approved. Then waited to get card and all.Even a nice guy help threw the application thing. Then waited for card and never came. I wrote them and called them telling i was approved ands waiting on card.For $ XXXXlimit. Yet they said it was mistake.Person was rude

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, North Carolina in about XXXX. It was financed through Santander Corporation. At the time of the loan and currently I live in XXXX, Virginia. I paid off the loan as agreed, maybe a few months early about XX/XX/XXXX. Santander sent me a letter stating that my lien was satisfied. When I carried this letter to the Virginia DMV in XXXX to get my title, I was informed that the car had a lien in Tennessee held by XXXX XXXX so Virginia could not issue a title. XXXX XXXX is now XXXX XXXX and an office employee there says they don't have XXXX XXXX XXXX. I now have a car that I paid for last XXXX and I have no title for it. I have written letters to Santander, Virginia DMV, XXXX XXXX and XXXX XXXX with no luck in getting my title. I have been on the phone for hours with Santander, Virginia DMV and XXXX XXXX also with no success in getting a title. 

Title # XXXX VIN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I noticed American Honda was reporting my wife and I 30 days late in XXXX. I verified with my bank that the car payment was made on time. I sent proof of the payments to American Honda but they ignored me and continue to report me 30-days late. I then notified the 3 credit bureaus of the error and also provided them the same proof. They also ignored my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: OR

Complaint narrative:
Purchased a XXXX product online through a Capital One Visa card for XXXX, was charged XXXX and XXXX. ( for some reason, these charges show up on different days - XX/XX/XXXX and XXXX ) I called to dispute the XXXX as never being authorized, credit card issued refund then 2 months later charged it back again claiming they'd sent forms ( they did not send forms ) and that XXXX says the charges are legit so end of story. XXXX has shut down the software i purchased on top of this, so now i've been charged XXXX and XXXX, the XXXX was never authorized and i have no product for any of these payments. I have an XXXX credit score, i make {$200000.00} a year, i pay off this credit card balance every month in the range of $ 2000- {$5000.00} a month, i'm hardly likely to try to steal software from XXXX in the first place, and in the second they've both kept money they never should have taken on top of the {$69.00} that was authorized AND shut off the product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I opened an account with different options for this financial service ; 1. the deduct Money monthly and distribute it to different funds based on my risk election 2. The lend money through small installment loans that were first of all not to suppossed to be attached to credit On the 2nd option I paid off my first loan no problem, the 2nd time around they stopped taking my payments however they were taking them just not accounting fro them and one day they closed my account, they continue to take money out of my account and I can not put a stop to it, nobody answers their phone and this is becoming a nightmare that is now affecting my credit and they continue to take money from me ...

Company response to consumer: Closed with monetary relief