vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 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: CA

Complaint narrative:
I have request under the Federal Law and of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) to Transunion Physical Verification of information that i previously disputed as inaccurate and they have failed to comply with my request. 

They contine to report my name inaccurately on my credit report and i have asked them not to continue to report the error. 

they continue to send letters showing that no real investigation has been completed. they are being paid to post information to my reports and they have not complied with federal law to ensure that it is in fact accurate.

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 2019-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: NM

Complaint narrative:
I was unaware of my account was check n go was sold two different times. It was paid in full {$3900.00} to XXXX XXXX and XXXX. The original Balance was XXXX with Check n Go. 
Open date was XX/XX/XXXX. It is showing negative status as it has been paid in full as of XX/XX/XXXX. And still has a negative status. I am trying to at least get it to show " Paid in Full in Collections ''. I have call 4 total companies about this account. And seem to get no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington bank has refused to close my account in good standing after I withdrew all my money. The problem has gone on so long that I was charged a fee and my account became delinquent. Today I left work early to go to a branch and pay this unfair fee, however they can not close the account until the check clears ( which is fine ). They have no branches open evenings or Sundays and I will be unable to return to a branch before the next fee is due. I need some way, mail, online, or on the phone, to close my account. I have never had a bank refuse to close my account and charge me a monthly fee while they make the process unreasonably lengthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
As per the FDCPA a debt collector is not allowed to disclose or willingly give up the company name in regards to the debt they are trying to collect and XXXX XXXX did to my friend, my old roommate. I have the call recorded and it comes to my understanded I should be compensated for this and them fined. Please start your investigation and allow me to send you the call. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
By manipulating circumstances it appears Citi is setting cardholders up to increase the likelihood of missing a payment so that interest may be charged.

Cardholders enrolled in paperless documents will receive their monthly statements via email. Citi says to enrollees that they will also receive a 5 - day notice prior to a payment becoming due.

The 5- day notice is not sent, the statement that was sent easily goes unnoticed because Citi sends copious amounts of spam email. The cardholder may then be charged interest. To placate the cardholder to accept interest charges, Citi may withdraw their late fee.

Upon receiving the late notice the cardholder may try to prevent similar issues in the future by logging into their account online, I found that the website changed its navigation for the cardholder with an overdue balance in such a way as to have the cardholder link payment to a bank account.

Setting preferences on the website for balance alerts via text was broken for this cardholder.

Phone and chat contact was established with seven Citi personnel whereas assurances were made but not fully delivered.

Not unlike XXXX XXXX, it appears Citi administration is gaming their unwitting account holders.

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 2019-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis is attempting to collect for medical collections on behalf of Original creditor XXXX XXXX XXXX XXXX where I was never a patient and have no debt to them. I contacted both entities with no luck .... now rash curstis is calling my work, home even my ex 's household threatening to arrest me if I didn't pay these collections. original creditor could not find anything in my name and could not validate the ownership of these collections ... it is damaging my credit big time and my reputation. I almost lost my job because of these calls and false allegations. please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: USCB, Inc.
State: CA

Complaint narrative:
My compliant is against USCB XXXX  for reporting incorrect information on my reports. They keep reporting some accounts that are not accurate. Let this serve as a formal request for investigation for some incorrectly reported and invalid items which do not belong to me, were found on my credit report. I want my financial freedom back and it is my right to have your assistance. I've done the hard work, checking accounts against records and have made notes specific to each account, your job is simply to fix it. Im attaching a copy of a sc-100 as a last resource for this company to remove all accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been trying to remove incorrect information from a public record that is disclosed on my credit report. I have informed Equifax that I have sent a letter and I have filed several disputes to get the information removed from my credit report. The information has been removed from XXXX and XXXX credit reporting agencies, but Equifax refuses to remove the bankruptcy from the public record. 

The bankruptcy was filed in XX/XX/2009 which is 10 years old. The tracking info for Equifax indicates to review dispute, but I'm receiving an error message that states the system is down. I sent several inquiries, but Equifax informed me they didn't receive the letter, so I filed the disputes online several times. This has been ongoing for several months and the dispute has not been resolved and the information is still incorrect on my credit report. Due to Equifax refusing to correct my credit report, it has affected my credit score. Here are the tracking numbers listed below : You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX Equifax has completed your dispute for Confirmation Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2019 I received a letter from bank of america stating that my automatic payment had been revoked, and was charged a fee of XXXX, so my new balance was {$40.00}. 

The reason the automatic payment was cancelled was because of following reasons such as no longer wanted to participate in the program, information from my bank account was incorrect, etc. I have called bank of america several times spending at least 2 hours in hold waiting for a response. I have talked with numerous representatives giving the same story. 
I have been with bank of america for 2 years, and it those 2 years I have never missed a payment and I have always been enrolled in auto payment. When I got the letter I was shocked since I have never removed myself and I knew the consequences of missing a payment. I told the representatives that my payment activity has always been auto pay with the same chase checking 's account. I have always been a loyal customer, when this happened I never received an email nor a notification in both my mobile or computer. Even the representatives didn't want to do since it showed that everything was good in my end where my bank account never changed and I never stopped the auto pay. I even called my checking 's account, and they even stated that I have always had the sufficient funding to pay my bills. I can show proof of my balance to show that I always maintained enough money for the bills.

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 2019-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT

Complaint narrative:
This company IQ Data international inc. violated my rights by placing a debt on my credit report and I was never notified by this company due to the fact that I never lived at my apt in two years. I called an was told that, I owe {$680.00} dollars. I told them that they didn't have the right to put this on my credit without proper notice I was told they tried to contact me at my address. I asked what address an they gave me the same address that I never lived at for two years and I was told they had proof I gave my notice an also pictures of the apt they said I left damaged behind. I informed them that, I have pictures of proof that I left a clean apt . When asked them to send me proof I was told no! This company lied an didn't provide be proof. My next move is court with my lawyer this was not handle professional by this company. The Fair Credit Reporting Act requires certain lenders to send a notice before reporting negative information to credit reporting agencies. The FCRA says this notice shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. I was never notified when I moved out my apt at all. This was placed on my credit report XXXX I moved out in XXXX. This company needs to remove this from my credit report due the fact I was never given a notice at all to dispute these false debts. I'm requesting that they show me they contacted me with the correct address an not a 2yr address with proof of damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have written to all 3 credit bureaus including Experian that is still reporting the misleading and fraudulent information on my credit profile. XXXX  and XXXX  has corrected the matter promptly.

I have given Experian notice through letters and affidavit in reference to the fradulent chase account, incorrect name and addresses that are Fraudulent. The Fraudulent XXXX XXXX is reporting as a Charge off which is incorrect as well. XXXX has acknowledge the XXXX XXXX  as being a Fraudulent account. I have given XXXX Cardmember Services notices about Experian reporting this Fraudulent information in my name. 

This misleading information is Frustrating and preventing me from obtaining a loan. Thank you for helping me hold Experian responsible for correcting and Removing this Fraudulent information on my credit profile immediately. 

Kind regards 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 non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My XXXX credit account is showing 30-60 days delinquent which is not true. I had credit protection and have filed a claim with them on several occasion. Their incorrect reporting is both negligent and fraudulent. I am pursuing civil litigation on this 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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
This is the second time Banco Popular de Puerto Rico incorrectly reports to the credit bureaus/agencies ( XXXX, XXXX, etc. ) wrong information as if we have been late in our mortgage payment. I spoke with their mortgage division who contacted their credit Division confirming that we have perfect record since the start of the mortgage in XX/XX/XXXX until now. Their incorrect, inappropriate actions have caused to lower my credit scores from the 700s to 600s. I met in person and demanded a letter ... they gave me a letter but I do not trust this institution in them informing of their error to the respective credit bureaus. 
Dates - Discovered XX/XX/XXXX What - showing mortgage delinquency 90 days+ Amounts - Approximately three/4 payments $ XXXX/ {$16000.00} aprox. 

Actions- I went in person and called them. Again this happened again in XX/XX/XXXX ( they issued a letter after three days ). Had to go twice last week ( two letters from Banco Popular ) acknowledging their error without stating so on the letter. In the meantime they ruined my credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My XXXX/XXXX credit account is showing 30-60 days delinquent which is not true. I had credit protection and have filed a claim with them on several occasion. Their incorrect reporting is both negligent and fraudulent. I am pursuing civil litigation on this 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 2019-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I was going over my credit file and seen a unverified account from CHOICE RECOVERY! I don't recall even doing business with this company. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees. I need to see a copy of a contract and a release form of HIPPA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On or about XX/XX/2016, my American Express Serve card was closed by American Express for unusual usage patterns. Having been a loyal customer for roughly the 2 years prior to this closure, this came as a shock and surprise as I had routinely used the Serve product with no other customer service concerns. My usage was frequent and well within the rules set in place by American Express when I first signed up for this product. While I did not lose any money, I lost a valuable consumer product that I had come to rely on and used in a frequent and repeated way. 

I contacted American Express numerous times to inquire about the usage patterns, but never responded to or followed up on. As this product was important to me, I have repeatedly tried to re-sign up for this product, but American Express has repeatedly denied me access to a new product with only vague, unclear reasons. It appears American Express has purposely blacklisted me from this product line. 

This arbitrary closure has burdened me and forced me to find other, more expensive and questionable products to help me with prepaid needs. It also concerned me that American Express or another company could close my account ( s ) with little to no reason other than me not being profitable to them. 

I would like to be reinstated or able to open a new Serve prepaid product from American Express. I fear that if banks can arbitrarily close consumer products and blacklist customers from the product in the future, that banks would like to discriminate against any customer they want while hiding behind vague reasons for all its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2019 Experian received a formal Dispute Letter via certified mail from me requesting they validate all of the attached accounts per the criteria of the Fair Credit Reporting Act. Where in which I also requested proof of their methods of Investigation, which they did not provide. No proper verification was made. No Contracts, recordings, e-signatures or anything was provided.

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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
In XX/XX/2017, Hancock XXXX XXXX ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I opened a capital one 360 in XXXX and after few days I received a wire transfer in XX/XX/2018 and the last wire transfer i recived was XX/XX/2018, amount {$3300.00}. I withdraw first via ACH payment because they have no capital one branch in the state where i live and then i requested for a debit card and they told me they dont issue debit card to savings account holder except is a checking account and i tried to open a checking account i was not approved, so i tried to withdraw again then account on hold for no reason and i have been calling them to return all money back to the sender of wire transfer.i have been calling capital one to return money back and they agree to after few weeks i called and i realised they did nothing and i told the sender all that happened and he promised he will call and after several calls he realised they are not read to release fund.i have been calling capital one almost every day in XXXX i had to slow down when they told me they are returning money back and uptil now they didnt return it,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
I have tried to contact them on several occasions in the last few weeks and have spent over an hour on hold on the phone, and still have yet to speak to anyone about the escrow acct shortage which they manage, and now they are trying to make me pay for there mismanagement. I never had this problem when XXXX held the loan and had reserve left over when XXXX held the loan and the payment never increased. Now they are trying to increase my mortgage payment to make up the difference that is they're responsibility. If I pay the amount the mortgage payment still increases if I don't pay it goes up almost 100.00 is XXXX. They need to fix this and not at my expense.

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