vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 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: KY

Complaint narrative:
According to XXXX XXXX XXXX, I signed up for e-billing at the end of XX/XX/XXXX. I stopped getting statements from them and just had no idea I wasn't getting statements or that I was not paying on my account. XX/XX/XXXX and XX/XX/XXXX were delinquent, but I had not received any billing for this. I had made on-time payments each and every month since XX/XX/XXXX, when I became a card member XXXX, reported that I was 60, days late to the credit agencies. This is a huge problem because I do pay my bills on time. It has adversely affected my credit score, which insurance companies, banks, etc, look at. 
This misrepresentation has affected my credit score and my ability to get correct and fair rates for insurance, loans { I've already been turned down for a loan }, and future financial actions. This information, as deceptive as it may be, will be on my credit file for up to seven years, and all because  XXXX, says I signed up for e-billing. XXXX, should have made sure I authorized this action. XXXX, says they sent me an email. I explained to them that I am a XXXX y/o person with over 50 thousand unread emails. I would never sign up for e-billing. XXXX, says they sent an email to my account and that was sufficient according to them. I told them that of course they would like everyone to do e-billing so they wouldn't have to send out bills ; think of the money they would save!! 
I wrote XXXX, on XX/XX/XXXX. I then wrote the XXXX concerning this problem. I will try to attach the letters. I received a phone call on XX/XX/XXXX or XX/XX/XXXX from a young lady stating that she would investigate my case, probably because I wrote the XXXX. 
THE BOTTOM LINE IS : XXXX, is acting in a deceptive way. This is just one more example of this companies deceptive practices. I've read about all the different law suits and how their paying out millions of dollars. I'm not asking for money, I want them to repair the damage they have done to my credit file and they need to be forced to have better practices concerning alleged authorization. When money, credit files and business practices are involved, they need to be sure of what is going on. They need to get final authorization from the card holder BEFORE any changes are made to their accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.

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 2018-04-09 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
My loan service provider, XXXX XXXX XXXX, conducted a review of my qualifying payments for the student loan forgiveness program and only credited me for three ( 3 ) payments made while I was employed at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( see enclosure ). I believe I made at least 36-45 additional payments in the monthly amount close to $ 330.00- {$340.00}. 

My loan service provider, XXXX XXXX XXXX, conducted a review of my qualifying payments for the student loan forgiveness program and only credited me for three ( 3 ) payments made while I was employed at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( see enclosure ). I believe I made at least 36-45 additional payments in the monthly amount close to $ 330.00- {$340.00}. 

I have tax statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that show I paid student loan interest. 

Sometime in XX/XX/XXXX, my loans were transferred from XXXX XXXX XXXX to XXXX  XXXX XXXX. I am at a loss as to why the loan information would not transfer over including information on how much of my loan I already have paid off. Meanwhile XXXX XXXX tells me that I am listed as forbearance the following periods : ( XX/XX/XXXX - XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was unemployed and can verify only this period as forbearance. 

I have asked that XXXX XXXX XXXX review my payments. 

We can send you a statement of account since we began servicing your loans. Unfortunately, we can't provide your account history before your loans transferred to us. Please contact your previous servicer for further information. See email attachment XXXX. XXXX XXXX XXXX has closed and can not be contacted. Why was this pertinent information not transferred about my prior payments? 

This is unacceptable. Who is to protect me from fraud? I am currently working with my past financial institution ( XXXX ) to pull statements of all my payments to XXXX XXXX XXXX. 

My load provider 's lack of information and records could cost me tens of thousands of dollars. I have remained working in public service so that I could qualify for the SLFP. I am so close to getting through my ten years of payments. The finish line is in site, and now to receive information that I have made less than half of the 125 payments is debilitating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
My daughter and myself notified the bank of the unauthorized withdrawals more than once. When the bank confirmed who did the withdrawals of most of my Social Security retirement benefits, my daughter submitted a complaint here. The bank responded but did not issue the funds back to me. The CFPB closed the complaint without asking me if it had been resolved or not with the bank. It states clearly on the Social Security website that the only person other than the person who owns the account, who can access the funds is a representative payee. I don't have a representative payee. The bank should issue the stolen money back to me as I am in poor health and need that money for my expenses. It states on the FDIC and Federal Reserve site that the bank has to refund the money while doing it's investigation. I never authorized XXXX XXXX XXXX to withdraw all my money for 3 months in a row and she is also using a fraudulent POA of finances. She was forced to resign as trustee of my trust and has no authority given by me.Even if she was POA of my finances, which she isn't, the SSA doesn't allow anyone but payee reps appointed by them to do anything with the funds. I need my Social Security money back that the bank had no right to let another person withdraw. Retirement direct deposit accounts are supposed to have a high level of security to protect people like myself and the bank is without any doubt what so ever responsible for the withdrawals that were not supposed to go to anyone but myself or a payee representative. They can sue the trustee for the withdrawn funds and get restitution because the trustee is a professional fiduciary ( hard to believe ) and is also bonded. I need my money that the bank should have never given to anyone other than the account holder which is myself. The total is between 6000-8000 and can help pay for some of my much needed medical supplies. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
XX/XX/2016 due to an accident and getting my car after repairs. I borrowed XXXX from Mariner finance. In XX/XX/XXXX my marriage ended.I contacted mariner to try to make arrangements to pay smaller payments, all they would do is another loan. I didn't know what to do so I accepted the loan. After having problems paying contacted mariner. They were not willing to work with me, yelled, harrassed, threatened me. They would not accept money I tried to pay them. Now trying to take my unpaid for car.

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 2018-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been current on my Capital One account for over 2 years and have never missed a payment. I was very happy with this card. I ran in to some issue making a payment online and it caused me to miss a payment of {$35.00} in XX/XX/2018.

I have had a similar serious error where my account was closed due to another tech issue that 2 payments were declined from my bank account. Capital one simply close my 2 credit cards even though This payment was way before any due date and was for over 60 % of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission USAA Federal Savings Bank by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of USAA Federal Savings Bank aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX without my consent. The USAA Federal Savings Bank did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted USAA Federal Savings Bank and asked them why they would place my name on a new loan without my consent or signature. The USAA Federal Savings Bank representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. USAA Federal Savings Bank stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the USAA Federal Savings Bank aloud XXXX XXXX XXXX to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified USAA Federal Savings Bank and closed out all my accounts dealing with them. For the last year, USAA Federal Savings Bank has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX that was turned in due to XXXX XXXX XXXX 's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX was wrecked. Could someone look into this and find out is this legal because I feel like I am being held hostage by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and USAA Federal Savings Bank to be liable for these loans. I do believe USAA Federal Savings Bank owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
My home was flooded in XX/XX/2016. Flood insurance payments were made for repairs and were endorsed over to the mortgage company to disperse for repairs on the home. The mortgage company turned over management of funds to insurance claim check.com and they continue to delay and stall the process of repayment to me to repay Repair the home. To this date they have yet to disperse any funds to me other than what I have already paid for and will not release funds based on prior agreement of turning in receipts and contractors bids in a timely basis. They continue to change guidelines on release of funds to me which are much stricter than they would in the case of releasing funds to a general contractor there by placing unreasonable burden on me. Each time I attempt to resolve repayment of receipts or contracts I get a different story and continued delays. They also require additional inspections that they would not require with a general contractor. These guidelines or not laid out on their website process section and have not been made known to me until the process is again shut down. In addition they continue to slow walk disbursement of funds even though they have verified all checks were to be overnighted they use instead snail mail. It is my believe at this point that there is intentional slow walking of disbursement of funds to cause further duress on me and my family to repair damaged home. The most recent action of sending reimbursement check for paid receipts has again been mailed through the Postal Service rather than overnight even though I had clarified with two supervisors that all checks would be sent overnight due to the financial stress that their guidelines had placed on my family.

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 2018-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am currently trying to clean up my credit report. Unfortunately, I had an account with XXXX XXXX XXXX that went into collections several years ago. I have tried to call XXXX to pay the collection balance that is owed, but they refuse to allow me to do so. They will not take a payment from me. At the same time, they will not take this account off of my credit report or allow it to update that I no longer have an owed balance. By refusing to either remove this item from my credit report, nor take a payment to resolve the debt, they are holding my credit profile hostage.

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 2018-04-09 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: TX

Complaint narrative:
The credit reporting agency refused to show proof this debt belong to me. Also refused to investigate the account properly according to fcra. The account XXXX XXXX XXXX need to be investigated properly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX tried to collect a sum that was incorrect from me. When I called them on the phone to explain that I owed them {$370.00} less than what they were attempting to collect based on what my insurance company had paid me to cover the costs, they agreed. My insurance company had sent me checks to cover certain costs that were covered, but a month later, requested a part of that payment to be returned to them, which I did. 

Because of this experience, I told XXXX on the phone that I would call them back to pay the bill once I confirmed with my insurance company that they were not going to rescind any more of the money that they had provided to cover this bill. 

After I confirmed with my insurance company that they were not going to take back any more of the money they had paid, I called XXXX to pay the bill. I was left on hold for many minutes and was finally told to " leave a message '' because no one was available to answer my call. I kept calling and leaving messages every time I would receive another bill and I only received 1 call back from them ( which I missed when picking up my child from school ). 

I have just received a collections notice from Transworld Systems for {$370.00} more than what was agreed upon, an action that will now impact my credit score, which I take very seriously. 

This company has been deceptive in its debt collection procedures -- charging me more and then making it impossible for me to pay my bill with them over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
XXXX XXXX  attempted to reach out to me about a debt that was owed to XXXX XXXX department. However, to my knowledge I had no outstanding debts the creditor. 
When I called XXXX 's to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.

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 2018-04-10 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I called XXXX XXXX for XXXX XXXX in regards to a past due amount showing on my statement. this is incorrect I have all my payments made on time. so I have disputed this issue 4 times with the company and they said everything will be resolved and still showing on my statement. so today XXXX-XXXX-18 I call spoke with XXXX XXXX supervisor and still stating I owe double the amount for I have paid before due date and it will not reflect on my statement as payment made for the current month. It only reflects as an additional payment, that is what I was disputing that customer service had stated this would be fixed since It was the first time this happened and not aware that if I make my payments before due date they will not sure for the current month. so I said I did not owe what the balance says past due. I am current with my payments and they still did not resolve my issue, I even have a letter about the situation stating they resolved it. so I suggest for other customers to know about the issue so that it won't happen to them.

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 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX: XXXX XXXX account closed and paid in full. 
XX/XX/XXXX : XXXX XXXX started withdrawing money from my checking account, I stopped the payment. 

XX/XX/XXXX : XXXX XXXX sent to collections, Convergent. I disputed twice with XXXX XXXX and they said it can't charge me once account is closed but they couldn't get Convergent to return the charge off to get taken care of for me. 

I tried two other times through agencies credit reporting dispute process. They still did not remove and said it is a good debt. 

XXXX XXXX said not good, but yet Convergent says it was good. After account was closed I was charged. 

This is on my credit and now I have to pay to get a home mortgage or they will not try to finance me for XXXX dollars. I have no problem paying this, my credit score is over 750 but for some reason the bank wants me to pay this off. 

Please have them remove this from my credit. They are harming my purchase of a home.

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