vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This account was never mine. It is affecting my credit score.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX and XXXX XXXX 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 2019-08-13 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2019 I was the victim of theft.  Among other things that were taken from my car, were my wallet/ phone case that contained my American Express Serve card.  The aforementioned incident occurred around XXXX   XXXX.  On XX/XX/2019 after the aforementioned incident occurred American Express Serve was contacted about the theft of said cards.  (In fact numerous calls were made to American Express Serve, due to the fact that they automatic answering services would not allow me to be conected without knowing my card number (ie the one that was stolen.  A live rep was eventually reached and the card was reported stolen.  Subsequent charges occurred on XX/XX/2019 and thereafter on the card that was reported stolen on XX/XX/2019.  American Express is liable for any fraudulent charges that are incurred on the card after it is reported stolen.  This is according to Reg. E and their own membership agreement clause 14.  American Express Serve asked me to submit "disputes" for said charge for which they eventually denied twice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This company ran unauthorized credit inquiry on my credit report. This is suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have reached out several times disputing this late payment that is reporting for the month XXXX on my credit report ... 

I informed the rep my mail was being returned due to them sending the mail to the physical address instead of the PO BOX ... 

I was told on several occasions it takes 30-60 days to see the change corrected - removed ; however, it was never done.. 

Now each time I call they state that it will take an additional 30 days but it still has not been updated and here it is a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MO

Complaint narrative:
I am co-signer ( mother ) of loans that was received over the course of my daughter going to school. First off, I don't even know what the name of this company is after reading numerous complaints against them. Is it Sallie Mae or is it XXXX? They have told me numerous times that they are Sallie Mae and do not know who XXXX is? 

We have been trying to talk to Sallie Mae/XXXX for years now and can not get anywhere. My daughters original loans were in the @ amount of {$10000.00}, but now that has doubled because of interest. That is astronomical amount for interest! How can they do this to these young adults trying to make it in this world. I made {$25.00} dollar payments for months and at one point I cancelled but they still was taking {$25.00} taken out of my account without my authorization. I wanted my daughter ( borrower ) to start taking responsibility and make payments herself on this loan. They would not work with her on making an affordable payments, kept calling me first or her grandmother ( who lives in assisted living, battling XXXX, and is a widow ). Months of harrassment is an understatement, and when you try and talk to them, you are told something different everytime you talk to somebody. You are on the phone for hours for nothing. 
One week ago, I thought we finally had come to an agreement for an affordable payment for my daughter to make ( after years of getting no where, but interest still being added ). My daughter was to call back, to set the program up to make regular payments every month. When she called, she was asked how she could make payment every month ( which was worked out from the call a week ago ). She told them that she would re-budget. The person from Sallie Mae told her, that was not going to help making the payment and that they need concrete details and if they do not get them, the program wouldn't be approved. What????? She was approved for this one week ago, now its changed?????? My daughter has a new baby, working full time, trying to make it in this world. How do you call yourself a trusted student loan company???!!???? You are not helping students, you are just stealing money from these young adults and their parents. Trusted loan company is a joke of a statement. More like Fraudulent loan company!! This company should not be in business! Something needs to done with their manipulative and fraudulent actions!!! 

Frustrated, Concerned parent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed with both XXXX and TransUnion regarding 2 late payments on an account with XXXX XXXX. XXXX XXXX is reporting late payments in XX/XX/XXXX & XX/XX/XXXX. As you can see from my credit report I have had all on time payments. I am disputing these late payments as I have bank statements showing proof that I made my payments on time. I have contacted XXXX XXXX and attempted to speak to someone who was rude. I have also sent a letter to XXXX XXXX with copies of my bank statement showing that I made my payments on time. However, I received a letter back from XXXX XXXX stating that they verified it as correctly. I then disputed with XXXX and TransUnion to once again have my request ignored, it came back verified. How can XXXX XXXX say I was late when I clearly made my payments on time? This is severely crippling my credit when this is not my fault. 
I have provided proof that the payments were made on time. Where is their proof that the payments were not made on time. It's not the responsibility of the consumer to prove the inaccuracy being reported, its the creditors responsibility to prove that it is inaccurate. I want XXXX XXXX to send bank transactions of my posted payments reflecting when my payment was made.

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 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019 I used XXXX via my Capital One 360 checking account to send {$30.00} to XXXX XXXX for goods I never received. He vanished and there's no way for me to contact him ; I was scammed. 

I contacted Capital One in an attempt to get the {$30.00} back, but they were of no help. This is the message Capital One sent to my e-mail : XXXX Re : Claim # XXXX We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error. 

You can still try to resolve this directly with the merchant ( s ). 
************

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have reached out several times disputing this late payment that is reporting for the month XXXX XXXX on my credit report ... 

I informed the rep my mail was being returned due to them sending the mail to the physical address instead of the PO BOX ... 

I was told on several occasions it takes 30-60 days to see the change corrected - removed ; however, it was never done.. 

Now each time I call they state that it will take an additional 30 days but it still has not been updated and here it is a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Someone stole my information and has been using it to trying to get car loan ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I was supposed to close on a home on XX/XX/2019. 
I paid {$3000.00} for closing and approximately {$800.00} for appraisal and inspection. 
{$50.00} on HOA application fee. 

Two days before closing, I was informed that there was a problem with the down payment. The total amount had been wired on XX/XX/XXXX, to the title company. {$51000.00}. It had been wired by my future father-in-law per request by my lender. I was informed that 5 % had to come directly from me, the borrower. 
As I was short approximately {$600.00} in my bank account, my lender advised me to deposit or have someone deposit money immediately. He said to make it an odd amount, like {$680.00} so it did not look obvious. My future father-in-law transference money into my account the next day. Since it showed " pending '' my lender implored me to deposit more cash into my account. Which I did as instructed. I had even transferred money from my XXXX acct to my bank, but my lender said it could not be verified. even though it clearly shows on my account, the transaction. 
After scrambling at his bequest to get my account in order to make my 5 % wire for the downpayment, he just could not get the closing packet to the title company. I sat at title company for 3 hrs on the XXXX. The closing had to be extended to the next day, but again, he did not get the closing packet in. Closing was again extended to the following day, XX/XX/XXXX. I was told by my realtor to go the bank to wire the money, then head to title company. 3 home purchases were hanging in the balance. This had to get done that day or the contracts would expire ... there would be no more extensions. At XXXX on XX/XX/XXXX, as I was heading to the bank, the lender called and informed me that my future father-in-law was not an acceptable donor. None of his money would be accepted, although the money had been wired to the title company on XX/XX/XXXX. 
It caused all 3 home purchases to collapse and everyone involved lost their money and the homes they were purchasing. 
The 3 listing agents involved have filed formal complaints to the board about my lender. I have made numerous attempts to reach out to the mortgage company, only to be completely ignored. 
How did my lender not know this would be a problem? He knew from the very beginning that my father-in-law was donating money. It was my lender who instructed us to just have him ( father-in-law ) wire the entire amount and we could work it out with him later. 
This action by my lender devasted 3 families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: AL

Complaint narrative:
I have been reaching out to Sallie Mae for over a year to resolve this matter. 

I called to process a payment over the phone and the representative updated my bank account information with an incorrect number...

I was not made aware of the error until the payment was declined due to error message "Account Not Found"

I asked the rep on the phone to repeat the account number back several times; however, she ensure it was correct.

Well about 38 days later they updated credit report as late because of their own personal error on 3 of my accounts...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/2019 I received an email from a XXXX notifying me that there was a derogatory mark on my credit report. It says that I owe {$1200.00} to a company named LVNV Funding which I have never heard of. I was not notified of this prior to the derogatory mark nor was I given any information about this company. I wasnt given a chance to dispute either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My problem is with PayPal, Synchrony Bank, from what I gather who manages it. They lend you money on purchases for up to six months on items of {$99.00} or more, but their slippery slope is that floating closing date for billing. It varies each month with the hope of tripping up the borrowers with higher than expected payments who will have to try figure out their muddled billing cycle that floats. I do not like it that I face 24 % interest with the varying closing date, plus other unknown fees and whatever. On the other hand, if it were consistent, then one would know what s/he is getting into when borrowing, but as it is, it is corrupt and can easily trick a borrower through obfuscation and muddling of due dates for billing cycle, billing amounts, etc. There is a 25 day borrowing period or payment cycle, but the closing date varies for convenient obfuscation and adding the slippery slope for playing the borrower. It is NOT good for consumers, as one can not know what the cutoff date is for payments. I'll not be using them save for paying monthly and in full, but I have to wait for them to move and set up closing date, which will be tricky. In effect, I was not able to use the six months for paying for the > {$99.00} item. It would be good for consumers, if it were clearly laid out and not changing all the time, such that one gets confused about cutoff dates, billing date, etc. Otherwise, it's corruption 101, and buyer beware, crooked people are out to fool you and get you on a slippery slope.

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 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In XX/XX/XXXX, American Express contacted my employer. I asked them not to contact me at work and to please contact my lawyer going forward. They never contacted my lawyer. On XX/XX/XXXX, I just received another call at work from American Express. Once again, I have asked them not to contact me at work and to contact my lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Deposited a XXXX settlement check on Sat XX/XX/19 at XXXX XXXX  CST at the Bank of america atm at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX originally said funds would be available to cover transactions on XX/XX/19 and available XX/XX/19 for withdrawl or debit card usage. Then Bank placed a hold on check till XX/XX/19 at XXXX XXXX  called bank of america and they explained they were unable to verify the check at time of deposit and would have to collect thru federal reserve and that was the date and time that the federal reserve said funds would be available and they could not release funds no matter what till that date and time because of federal reserve. I talked with federal reserve and they stated they do not hold funds for banks or give time frames to banks when funds would be available. Several transactions have been returned by bank since deposit and I have being charged an overdraft fee for each returned item when they have the funds

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 2019-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Auto Finance is incorrectly reporting me as late from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. I have sent documentation from my bank which clearly faults a third party for the issue but Capital One Auto Finance refuses to correct their reporting as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The nature of the wrong doing is that the account I opened with PNC back in XXXX of 2016, XXXX XXXX, FL apparently has been given to someone else and that someone else created a fraudulent account for me about three years ago. The reason I say 3 is because that's when my ENTIRE online account changed and I was forced to create a new password. 
In conclusion, I logged in my Student Loan account to make a payment, and the only way to make a payment via online was by disclosing my Routing # : XXXX and Account number : XXXX. Upon making the payment of {$10.00}, I was given confirmation number : XXXX. Then I logged into my PNC online account and noticed that {$10.00} was not deducted, not even pending. So, I called PNC, and it could have been an Impersonator, either way, this woman had the nerves to say I can ONLY use my card online. That's a lie! Due to this crime is why I keep missing all my IRS deposits, or any credits. Credits get placed by a 3rd party ( ex-boss creating this crime ). 
To make a long winded story short, please make PNC CLOSE all fraudulent accounts and tie my Debit card to my Routing # and account #. In the past I have already told XXXX from Client Relations to fix this problem, XXXX XXXX ) XXXX ; and Ms. XXXX ( XXXX ) XXXX to fix this problem. This is a crime. How can my account be given to my exboss and his mistress behind my back? The transaction went through without a problem because it's a LEGAL way of paying for something. I've done this in the past with other banks. Again, please have them correct this wrong doing once and for all. And for the record, I'm not in jail or confinement. Never have and never will.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Seterus, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma,  Florida ) forbearance and then a mutually agreed mortgage modification with Seterus. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by Seterus on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
Seterus is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to Mr. Cooper which is now my XXXX servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
My card was used without my knowledge or consent with my Citi Bank account credit card account. The agent in the fraud department called me yesterday to discuss the charges on my card at XXXX XXXX XXXX. We were supposed to be on a conference call together, but the agent at Citi Bank put me on hold for about 20 min. and spoke to the agent at XXXX XXXX XXXX so I couldn't hear what was being said. He had instructed him to say that I had some furniture delivered to my home, so he wouldn't have to cover the fraudulent charges that were made at XXXX XXXX XXXX. I filed a police report because my card was used without my knowledge or consent, and I submitted it to Citi Bank in there fraud department. There have the documentation in hand. The agent is trying to get out of covering the fraudulent charges that were made on my Citi Bank credit card.

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