vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: NY

Complaint narrative:
On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.

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 2017-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
My vehicle was a total loss and the insurance company paid the entire loan balance except for the late fees. Ally financial told me after the car paid that the late fees would be waived and my account was at XXXX. Ally financial sent me the title to the vehicle. <P/>A month later Ally came back and said they were charging me late fees with a daily interest. From month to month the amount changed they were uncertain the amount of late fees and interest. <P/>In Virginia a company can not charge more than 12 % late fees. They are reporting to the credit bureau and I feel they are incorrect. Ally stated that they sent the title to insurance company and not to me. However their office also stated that they title should n't have been released if there was any kind of balance remaining on the account. Once I received the title, lien release and the letter my account should be at a XXXX 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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX 2017 Mortgage lender being told my equifax file is blocked and getting error code XXXX XXXX. I 've called 4 times and been assured there 's no blocks. Ca n't get this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I, XXXX XXXX purchased carpet at Home Depot. I went to the store twice. The first order I cancel it and purchased another color. Home Depot did a bad job with the installation on the carpet. I called them and they stated that Home Depot settled the matter with me and they refused to look into the matter. <P/>Citibank should not take sides with Home Depot I am the one paying them. And Home Depot and I are in the courts over this case. But Citibank should look at what information I am telling them and showing them that the amount on the card was wrong they do n't care they refuse to speak with me and they are my bank. CITIBANK SHOULD LOOK INTO THIS MATTER AND TAKE OFF MY CREDIT CARD WHAT I DID NOT AGREE ON PAYING. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
to many inquires on my credit report that im not aware of.

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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
to many inquires on my credit report that im not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Told them to stop calling my number was register to the National do not call registry, and i never give them permition to call me, but they keep calling me, and also calling my husband disclosing the reason of the call, treating me. They keep harrassing me, calling always from diferent numbers. ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX They keep violating the concent order imposed by CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I received a settlement check from an attorney that banks with BBT XX/XX/XXXX for {$3800.00}. I took a picture of the check and deposited it into my XXXX account. I placed the check in a folder where I keep important documents. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and discovered the check was missing. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. On XX/XX/XXXX I received a copy of the check from XXXX. The check was deposited into a XXXX XXXX ATM XX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by XXXX and BBT. I went to XXXX police dept and filed a police report Case # XXXX. After investigating the incident the detective stated he spoke to the person that deposited my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. XX/XX/XXXX I still have not received my money back. I went to the XXXX XXXX branch today and spoke to the manager again. He contacted the attorney with BBT fraud department on conference. It appears that the attorney filed the proper documents to return my money, he was told BBT deleted the case because their clients acct was not compromised. They never sent any documents to XXXX XXXX. I do n't understand how BBT did not catch that the check was presented a 2nd time almost 2 months later. And how can you just delete a fraud case and not send any documents to the other party? I want this issue resolved immediately!!!! I have fallen behind on ALL my bills because of this. I want BBT to corporate with XXXX XXXX to return what is rightfully mines!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
On X/XX/17 my bank account which included exempt funds was frozen. I was never notified of impending legal action or court proceedings involving this alleged debt. Upon further investigation papers were served to an invalid address in XXXX XXXX which I was never associated with. Court also had no record of lien until X/XX/17 late afternoon. Funds were withheld prior to that. Funds held caused undue hardship as I am a single mother and those funds were child support received. I had no access to any money whatsoever to care for myself or dependent child. Collection agency also refused to verify any information about debt without me providing them my place of employment. " XXXX '' was rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
XXXX XXXX reported this debt to NCAC XX/XX/XXXX- they keep saying that the debt is verified but it is not. First of all i did not stay in XXXX XXXX XX/XX/XXXX but, they are charging me rent for that month XXXX. They are stating in all I owe them XXXX and I do not. This man at this agency is very rude and he had no intention on finding out the truth. He just wants the money he is a local collector and he is a fraud. Last time I spoke to him he yelled and scream - I started back communicating with the company XX/XX/XXXX. I sent receipts, he stated that they receipts were already applied. That is not true and to be honest I do not think they checked. Its beneficial for him to get the money not to help the consumer. He was willing to settle for half but not willing to do the research.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On  XXXX   XXXX ,    2017  I received a {$250.00} American Express gift card that I won on a raffle. I decided that I would hold on to it until I went on vacation in  XXXX   XXXX  in  XXXX . On  XXXX   XXXX ,  2017  I decided to open the sealed cardboard enclosure that contain the gift card and checked the balance. I used the website  ( americanexpress.com/mygiftcard ) and found th at someone brought something from a   XXXX   XXXX   in  XXXX , CA for the amount of {$230.00} on  XXXX   XXXX ,  2017 . I then contacted American Express  Gift Card  department at  XXXX  and informed the person that there was a fraud purchase using the gift card. She confirmed that there was a purchase and then took down my contact information and told me that someone would contact me in regards to this. I have not heard from American Express regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I recently opened a Capital one 360 Checking and savings account XXXX XXXX 2017 using a promotional code I received via email from Capital One. The promotion stated that it was nationwide and that new customers had to enter the bonus code during account opening and too meet the two direct deposit requirements outlined in the offer. I have completed more than two qualifying direct deposits and I still have not received the {$400.00} bonus. I spoke with a representative and he told me the bonus I referenced is for targeted customers only and that he could offer {$100.00}. Now from my understanding the email stated nationwide not targeted customers only. Also if that is true the bonus code should have been rejected during account opening. It is completely unfair for me to not receive the correct bonus amount of {$400.00}. I know other customers who have signed up using this promotional code and did not live in XXXX and still received the {$400.00} bonus. I would like for Capital One to resolve this issue by honoring the {$400.00} bonus and posting it to my 360 Checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I was trying to get a cash advance against my Sam 's Club MasterCard ( issued by Synchrony Bank ). My last statement shows that I have a, " Cash Advance/Quick Cash Limit '', of {$2000.00}. It also says I have, " Available Cash '', of {$2000.00}. <P/>I wanted to take a cash advance of {$1800.00}, and went to a brick and mortar credit union to get this cash advance. At first my card was declined, but that was because of me not answering a mailing from them, as I am out of state from my permanent location. I get that straightened out, and the CSR tells me that I can only get {$200.00} per day, not any amount up to my limit. <P/>Later, I get on the website for the Sam 's Club MasterCard, and use the chat forum. They tell me the same thing. I then ask if I could get a copy of the cardholder agreement. Or if there 's somewhere online that I can look at it. I find out that there 's nothing online, not even when signed in to my " https : '' online account page. I also find out that they can only mail ( snail-mail/USPS ) a copy of the cardholder agreement, and that I should receive it within 30 days. <P/>This does me absolutely no good. Currently, I 'm roughly XXXX miles away from my mailing address, wo n't be back by it for a couple of weeks, and then only for a few days ; I also ca n't read my agreement online. How am I supposed to verify what they are telling me is correct? I 'm especially upset because of the way it 's worded on my statement as, " Cash Advance/QUICK CASH LIMIT '' ( capitalization except for first letter, mine - for emphasis ). <P/>Do I have any recourse except to wait 30 days to get a copy of my cardholder agreement? I have attached a transcript of the chat session I had with the online CSR ( along with a copy of the chat window, showing both the beginning and the ending of the conversation. <P/>I did post an email address in the attached document with my " Chat '' transcript that you might want to remove before publishing.

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 2017-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
On XXXX XXXX, 2017, I contacted Nelnet about a concern I had in regards to how my monthly payments were being distributed. My Nelnet account was saying I was not covering all of the accrued interest on some of my loans. I wanted to increase the amount, so I would not only cover my interest but begin paying towards the principle of the loan. For several months I noticed that even though I was paying more than was " due '', the principle was never going down. I would try to make adjustments to each part of the loan so that the interest was paid, but each time the monthly sum was distributed differently amongst the sub-loans so that the interest would still be accruing. I was talking to a representative in regards to increasing my monthly payment, and I was told the amount would only come out once. It came out twice and I ended up in the " red '' at my local bank due to the misinformation. I feel like I always have to check my loan through them because there are so many unhelpful people telling me a different thing. On XX/XX/XXXX, I contacted the loan server again in regards to what had happened, and after being online with a different person for about a half hour they told me I would have to contact a person via telephone number and they could not help me. I am completely frustrated with this company and feel like there is no one on the same page. I would like to get some guidance as far as what to do to pay off my loans and handle them correctly, but I feel I ca n't get those answers from Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am currently working on refinancing my home with XXXX XXXX and have run into a problem with the existing loan from Bank of America. XXXX XXXX ran my credit report and informed me that the loan dose not show they called Bank of America with the loan number I provided and where told the loan had been written off. My concern is that this may hinder my ability to get refinancing. In 2012 I did file for bankruptcy and retained my home I have been making payments to Bank of America since 2012 apparently without it reflecting on my credit. I have asked in the past about reaafiming the loan and was told I did not have to or that Bank of America did not want me to. My concern is that I will not be able to refinance my house and I was hoping to get funds from some equity I have built up. Any help in this matter is greatly appreciated.

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 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch
State: CA

Complaint narrative:
I was prequalified for a mortgage loan through Cal Atlantic mortgage, i put a down payment on a new home in XXXX California, we suppose to be able to move by XXXX XXXX. Was pequalified in XXXX XXXX.My son was signing with me on the loan. XXXX XXXX was the loan officer, she said as long as me and my had employment in the area we were living we would be able to get the loan, plus i was putting down over 40 percent in a down payment. I was able to get a transfer with safeway to the area we were moving. My son was not able to get a transfer with XXXX, XXXX said it would ok aslong as he got a job in the same industry it would ok.So my son XXXX got as job about sixweeks later. He was hired aT XXXX XXXX, same industry. He started in early XXXX. We were told through Cal Atlantic our House would not be ready til early XXXX. Since mid XXXX we had been staying at extended stay hotels in XXXX california, we had tobe out of our house in XXXX XXXX in XXXX. Once XXXX started his job XXXX started the loan process again.She was constantly asking for more paper work, paper work that, i had already faxed. She was very unorganized, very hard to communicate with, i would call her she wouldnt return my calls or emails.So the whole time this has been costing us alot of money staying in hotels, i have my mother who is XXXX, and my XXXX year old grand daughter who im raising.XXXX came around we were waiting for the lo.n to go into escrow. XXXX underwriter kept asking for more and more paperwork. then on XXXX XXXX XXXX called me said our loan was denied because of me and my sons jobs, that because i was transfered with my company i have been with30 years. We never received a letter from CAL Atlantic saying why we were denied. I had to find another lender, who instantly gave us an approval. We finally moved in our new home on XXXX XXXX after spending thousands of dollars in extended stay hotel

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I called to dispute about multiple hard inquires listed on my credit report with TransUnion. There are XXXX inquiries counted separately for one auto loan application with XXXX XXXX XXXX. They are listed below.
I asked for these to be removed but the TransUnion representative said they are counted separately.
<P/>
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/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