vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 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: MD

Complaint narrative:
In XX/XX/XXXX, I closed XXXX account XXXX when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. Transunion, XXXX, and XXXX refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with TransUnion, XXXX, and XXXX are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XXXX. Also attached is the current XXXX statement showing that XXXX waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX refunded my account in XXXX and then charged back in XXXX showing how dangerous leaving this account open is to consumers. TransUnion, XXXX, and XXXX dispute results are additionally attached.

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 2019-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I previously reported XXXX XXXX and their credit card service provider XXXX XXXX for unnecessarily rejecting credit card payments in order to charge excessive late fees. They did not explain why the payment was rejected, and I checked that my routing and account number was correct. So they'd reject the payment, and not notify me that it had been rejected and then charge me a late fee when the account was past due. After being on hold with the company for hours to get it cleared up I demanded the account be closed and the excessive late fees be removed. The person I was talking to told me they could clear two of the excessive late payments, but they would clear all three if I kept the account open. I told them no, and demanded the account be closed. I discovered that the account is still open, and is still active on my credit report though I have not used the card since I thought the account was closed. I demanded the account be closed again and have not seen any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting a student loan on my credit report that they have not properly verified yet they are reporting this information as accurate. 
I am asking TransUnion to properly verify this information properly by speaking to someone at the XXXX business, give me the name and identification number of whom they spoke with, the date and time that they spoke with a human, and the information that was given to them. I have spoken to XXXX and was told that they have never spoken to TransUnion, so I am not sure how TransUnion is reporting this information. 
Also, TransUnion is decreasing my score because it states that the balance on the XXXX account is increasing thus I must have been late on payments or not making payments. Yet XXXX has NEVER reported to TransUnion that there have been late or missed payments. 
If TransUnion can not properly verify its information that is speaking with a live human being and getting the name and identification number, the time and date in which they spoke with such live human and the result of such call. Then they must delete this information from my credit report and stop giving me a derogatory score for information that they have not properly verified.

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 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Hello, I have reach out to lendmark Financial on several occasions about some late payment. They was there mistake. And now I have received a letter in the mail, but unfortunately the envelope was address to me but the letter had someone letter inside so someone has all of my personal information and I have there, that just go to show you that lendmark is doing stuff wrong on so many level. No other customer should have anybody personal information. and I have poof. So at this point I am requesting that those late payment be removed from all three credit reports. If lendmark can make a big mistake like this now I am very worried about my personal information going to another customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
Student loans are appearing on my credit report. I have contacted Navient, XXXX, viewed the student database and have contacted the college in question. Not one agency or organization is able to provide a signed promissory note with information about these loans for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: TN

Complaint narrative:
I have never heard of this company nor have I received any documentation regarding oweing a debt. They have never tried to get in contact with me. I never opened this account and have asked twice now for proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been charged 5 overdraft fees in a month. This is excessive. I went into a branch location and spoke to a branch manager for help and he was unable to assist. I explained that I recently lost my job XX/XX/XXXX so it is taking me a little more time to get money into my account but I am able to deposit the money same day. I still get hit with fees. I have been charged {$170.00} worth of fees in less than a month. Every rep I spoke to on the phone seemed unwilling to help or empathize with my situation saying that they can not do anything I am ready to close my account at this point because I can not afford to keep paying overdraft fees especially when I have not received my first paycheck. I have also been told several different cut off times from XXXX, XXXX, XXXX, XXXX, XXXX. It seems as though the phone reps are all on a different page. I explained to the branch manager that I will receive my first check XX/XX/XXXX. There should be a limit on how many OD fees a bank charges someone. Especially during times of financial difficulties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I asked Bank of America to stop an electronic funds transfer from a company that I revoked authorization to do monthly EFT s. The eft 's are done on a Bank of America credit card where I have revoked authorization with the company to do these EFTs. Bank of America is allowing these EFTs to continue even though I have revoked authorization with Bank of America to stop these EFT s being taken from XXXX XXXX XXXX XXXX XXXX for {$260.00} every month.

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 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
cavalry spv1.llc XXXX XXXX XXXX  n.y. XXXX has place a collection account on my bureaus on XX/XX/2019 in the amount ofXXXX. they say the orig creditor is XXXX XXXX I have never entered into a contract with XXXX   nor cavalry ending in XXXX I have requested three time a signed contract from cavalry and have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: PA

Complaint narrative:
The following Credit Reporting company below was contacted : Experian, XXXX XXXX   XXXX, XXXX, TX XXXX, ( XXXX ) XXXX The 1st letter was sent to Experian company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed contract with my signature on it in which they did not provide. Also, no XXXX System or Automated System can not be used for verification as in the case of ( e.g XXXX vs XXXX [ Experian ] ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response!

Please see the attach documents for more detail information.

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 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I had an account with Lendmark Financial. Upon obtaining a loan from Lendmark Financial I setup automatic payments to be deducted from my checking account. 

As of XX/XX/XXXX I was coming up to my last payment which I figured would be deducted like all other payments. That final payment wasn't deducted and I didn't realize it until XX/XX/XXXX. I went online to Lendmarkfinancial.com check the status of my account. It showed the last payment amount as late. So attempted to make a payment online. The system error popped up and advised the system wasn't available. Tried to make a payment on several occasions and got the same error. Then late XX/XX/XXXX I noticed Lendmark Financial put negative remarks on my credit report. I contacted Lendmark Financial on several occasions via email with absolutely no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I closed XXXX account XXXX  when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX  kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. XXXX, XXXX, and Equifax refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with XXXX, XXXX, and Equifax are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XX/XX/XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XX/XX/XXXX. Also attached is the current XXXX statement showing that XXXX   waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX   refunded my account in XX/XX/XXXX and then charged back in XX/XX/XXXX showing how dangerous leaving this account open is to consumers. XXXX, XXXX, and Equifax dispute results are additionally attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: MD

Complaint narrative:
In XX/XX/XXXX, I closed XXXX account XXXX when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. XXXX, Experian, and XXXX refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with XXXX, Experian, and XXXX  are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XXXX. Also attached is the current XXXX statement showing that XXXX waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX refunded my account in XXXX and then charged back in XXXX showing how dangerous leaving this account open is to consumers. XXXX, Experian, and XXXXx dispute results are additionally attached.

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 2019-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I FILE CHAPTER XXXX BANKRUPTCY ON XX/XX/2016 AND MY CASE NUMBER OF MY BANKRUPTCY IS XXXX. CAPITAL ONE AUTO FINANCE WAS NOTIFY OF MY BANKRUPTCY ON XX/XX/XXXX OF 2016 BY CERTIFICATE OF NOTICE FROM THE BANKRUPTCY COURT. I WAS DISCHARGE FROM BANKRUPTCY ON XX/XX/2016 OF THIS DEBT FROM CAPITAL ONE AUTO FINANCE. AND THEY WERE NOTIFY OF MY DISCHARGE FROM THE COURT ON XX/XX/2016. I HAVE DISPUTED THIS IN THE PAST WITH THEM AND SO FAR NOTHING HAS BEEN DONE TO COMPLETE MY ERROR. I REACHED OUT TO XXXX XXXX AND THEY STATE TILL THIS DAY THEY HAVE NOT RESPONSE TO MY ISSUE AND ACCORDING TO THE LETTER THAT I RECEIVED FROM CAPITAL ONE AUTO FINANCE THEY HAVE NO PLANS TO FIX MY ISSUE. ACCORDING TO THE THE FAIR CREDIT REPORTING ACT I BELIEVE IF A CONSUMER FEELS THAT THERE IS ERROR ON THE CREDIT REPORT THEY HAVE LOOK IN AND FIX ANY ERROR. ON MY XXXX XXXX CREDIT REPORT THIS ACCOUNT WHICH IS DISCHARGE UNDER MY BANKRUPTCY IS STILL SHOWING THIS ACCOUNT IS STILL OPEN BUT NOT CLOSE. I CALLED CAPITAL ONE AUTO FINANCE ON THE NUMBER XXXX AND I STATE TO THE REP WHO ANSWER THE PHONE O STATE THAT I WAS NOTIFY ON THE PHONE THAT ACCORDING TO XXXX XXXX THIS ACCOUNT WAS PART OF MY BANKRUPTCY BUT THIS ACCOUNT DOESNT HAVE A CLOSE DATE AND THIS ACCOUNT IS STILL SHOWING AS OPEN. I AM NOT ASKING ASKING CAPITAL ONE AUTO FINANCE TO REMOVE THIS ACCOUNT OFF MY CREDIT REPORT. THIS ACCOUNT IS DISCHARGE UNDER MY BANKRUPTCY AND THIS ACCOUNT IS CLOSE AND IT CAPITAL ONE AUTO FINANCE JOB IS TO CONTACT XXXX XXXX TO UPDATE MY CREDIT FILE AND STATE THAT THIS ACCOUNT IS CLOSE AND DISCHARGE UNDER CHAPTER XXXX BANKRUPTCY. SECOND CAPITAL ONE AUTO FINANCE HAS THE WRONG DATE LISTED ON THE LETTER OF MY DISCHARGE OF MY BANKRUPTCY. I HAVE ENCLOSED MY DISCHARGE LETTER TO SHOW THE CORRECT DATE AND THEY NEED TO UPDATE MY CREDIT REPORT AS SUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XX/XX/2019 a hard inquiry was placed on my account from a XXXX company. I've never applied or contacted this company before today. I called them to get more information about their company and why they were attempting to use my credit. I think someone has tried to use my identity

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 2019-03-14 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: CRESCO CAPITAL INC.
State: IL

Complaint narrative:
I was told my lease company XXXX XXXX ( cresco capital ) reports my business credit to paynet. I attempted to get a rental truck under my business and had to fill out an app for it ... I was told they use paynet. The app was decline due to not having credit history ... I asked for my paynet ... it shows no signs of XXXX XXXX  or cresco capital ... i call XXXX XXXX ... I now find out that they are reporting in my first and last name ... all one word ... so basically this account will not be found unless u know its done this way ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI

Complaint narrative:
Select Portfolio Servicing, Inc of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX is habitually in violation of Federal Reserve Reg Z. Specifically, Section 226.36 ( c ) Crediting Payments as of the Date of Receipt.

They are posting payments as-of their processing date, rather than the date received as required under Reg Z. This results in days of additional interest charges to my account.

Payments are sent via my 3rd party bill pay service that will attest to date received by.

SPS seems to lack controls and appropriate policies and procedures to insure compliance.

They have failed to comply with requests to supply me with the time stamped received payment envelope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have had this problem for over a year now ... Every time I make a payment, despite having my profile indicate that I want payments to advance the next payment due date ; this is not happening. The due date is only advanced after I call the lender and not automatically with my payment as requested. They know this is an ongoing issue and have still not fixed the problem ( despite being told each month that it has been fixed ). 

When they adjust the payment, for some reason, they also adjust the amounts applied to interest and to principle -- making transparency of how my payments are being applied close to impossible. Why would the amount of interest and principle paid change because the due date was adjusted?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Alliant Capital Management LLC
State: PA

Complaint narrative:
Billing Department Alliant Capital Management XXXX  Phone : XXXX Fax : XXXX This company harassed, bullied, tried to intimidate me, and threatened me XX/XX/19. I have no idea who they are. They said I worked for XXXX, I never worked for them. I said I am XXXX. They said they will report me to XXXX. Said I can't double dip. I have no idea what they are talking about. My case is on appeal. I am not receiving anything yet. Basically, all the things he said was not true, and he was not listening to me.

Company response to consumer: Closed with explanation