vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 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: AZ

Complaint narrative:
During XX/XX/2017, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.

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 2018-05-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
During XX/XX/2017, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX  have not been successful either. Please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: AZ

Complaint narrative:
During XX/XX/2017, XXXX XXXX  negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX  XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.

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 2018-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have tried contacting the company to enable some of the features on my account and/or to close my account. I get put on hold and never got to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
During XX/XX/XXXX, XXXX XXXX negotiated with Citibank - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.

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 2018-05-30 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am requesting that PRA show the date of last activity. I have requested the last date of activity. PRA have omitted my request The last payment made to the original creditor ( OR ). PRA can only report this debt seven years from the OR date. P

RA can not re-age the 7 year report time.

PRA must show the date of last payment. PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a notification by mail from my private loan Navient regarding Interest Rate Reduction program confirmation. According to the letter I was to first complete three qualifying payment of {$30.00} beginning of XX/XX/XXXX. I made the payment of {$30.00} online on XX/XX/XXXX and called Navient the same day. However, their office was closed and I left a voicemail with my name and contact information to verify the payment was submitted. I called again the private loan to confirmed payment and enrollment in the interest rate reduction program. However, I was not given any answers instead I was informed that my message was going to be sent to the department in charge of the program. I decided to call again on XX/XX/XXXX regarding the letter I received. I was informed by customer service representative that the program does not apply to the loan I have with them. I explained that the letter includes the private loan account number I have with Navient. However, customer service representative kept on reassuring me that it did not apply to the loan. 
I was very confused with this information since the letter did include the account number and reference number. I then requested to speak with the manager regarding this matter. The customer service representative put me on hold and then mentioned that the amount of {$30.00} on the letter was a mistake. I asked to speak to the manager again regarding this matter. The manager then explained that Navient did a mistake in sending the payment to be of {$30.00}. I told the manager how it is possible that they send false information to the customers. This is not the first time it happens that they send me false information. Regardless of the mistaken from Navient, the manager was going to proceed in enrolling me in the program. The manager then told me to check in 7-10 business days for the interest rate to change on my loan. I called on XX/XX/XXXX and there was no update on the changes. Up to this date, they keep telling me they working on changing the status of my loan. I have called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been calling and leaving a message to the person handling my loan at Navient. That person has not returned my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC
State: SC

Complaint narrative:
Mobiloans , LLC is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
During XX/XX/XXXX, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: AZ

Complaint narrative:
During XX/XX/XXXX, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.

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 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently opened an XXXX Invest account and I want to link my Capital One checking account for the purposes of funding the investment account. After talking to Capital One support they confirmed that they are currently blocking the connection due to security, even though XXXX likely maintains equal, if not greater security standards than Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY. XXXX Im not residing nor do have any more information about the property or the residence of the site that this company claims to be issuing me a warning about usage of some sort of service. Im not sure they have noticed that services were not in my name and they have been non cooperative to show me a proof or provide legal documents that XXXX XXXX received or is legally allowed to receive US Mail for any notification at the above address. They have the intelligence to inform me that they have communicated with someone else on my behalf. They claim the conversation is on a call recording. Are you going to admit that you are braking privacy law? Did XXXX XXXX receive any certified mail by 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 2018-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have sent 3 letters and countless phone calls about this issue. There are multiple inaccuracies with the Chapter XXXX that's reporting on my credit report. Last year I was told the information was verified and two months ago I sent a letter and wanted to know who verified it. I have yet to get a response. I called Missouri federal courts on XX/XX/18 and spoke with a clerk by the name of XXXX who stated typically those written complaints come to his office and he has no record of any validation request for me. I also pointed out that not only was my date of birth incorrect but two accounts showing in bankruptcy where never included in the bankruptcy yet reflecting on my credit report. So a year later I still have the same questions ... Where are the documents that you used to verify this Chapter XXXX bankruptcy? What is the name of the person in your company who verified this Chapter XXXX bankruptcy? What documents did they use to verify it? 
Please provide me with the name of that individual, their business address, and telephone number. Otherwise please remove this inaccuracy from my report.

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 2018-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX sent me a letter dated XX/XX/2018 Citi/XXXX stated that about how the 3 Credit Bureaus that Citi/XXXX noted on my credit file disputed by the consumer. That's not my complaint is that Citi/XXXX is to show on notes on the credit file that Citi/XXXX requested that the account be closed show it's suppose to state closed by the ( CREDITOR ) My next issue I have had the account over 9 years and that it was not clear when I called in I was told by there rep it did not matter and then Citi/XXXX had a nasty attitude when calling about the account. It's all about Fee 's and how to charge the consumer more money. Citi/XXXX as if the account/form they mailed out cant be retracted by error.

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 2018-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
cra and ftc were sent to all parites involved these company still have hassle and gone way over board on items that were not mine ID theft and hacking police reports were sent .. 

Nothing i can do XXXX getting from calls from them XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: TX

Complaint narrative:
cra and ftc were sent to all parites involved these company still have hassle and gone way over board on items that were not mine ID theft and hacking police reports were sent .. 

Nothing i can do XXXX getting from calls from them 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 2018-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIRST HORIZON BANK
State: SC

Complaint narrative:
XXXX XXXX was bought out bY First Tennessee. They have forced everyone to download the new App to access online banking. The App hasnt been working. I lost access 4 days ago, have talked to people on the phone, and been to the bank twice. Im writing this complaint in the mgrs office because we have been on hold for probably 45 minutes with the NO HELP LINE. Bank employees at MY bank have tried to help ... .to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Credit Corporation
State: GA

Complaint narrative:
In XX/XX/2014 I applied for a loan through Avant Credit for XXXX  work. They approved the loan and 5hem said 5hey were turning over to XXXX XXXX because they did not do medical loans but XXXX XXXX did. XXXX XXXX was funded by XXXX XXXX XXXX and everything was set. Ended up going through a Debt Consolidation company to get out from under some debts and XXXX XXXX/ XXXX XXXX settled the debt for XXXX. Now Avant/ XXXX XXXX XXXX is suing me for the money saying I owe it to them. I do not owe this money. It was settled for the XXXX I mentioned. Now every one I talked to has no record of Avant Credit sending anything to them and Avant Credit says they don't know anything about it!! I was told by the rep from Avant Credit that it would be XXXX XXXX in charge of my loan. Now they are saying that never happened and are suing me for the money!! I don't owe Avant Credit this money!! I don't know what else to do!! I also have filed with XXXX and they suggested that I file with you also. I only have 30 days to figure out what they are doing and file an answer to them. I really do not owe them this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I received a notice in XX/XX/XXXX that my mortgage payment would increase by {$610.00} per month beginning XX/XX/XXXX. 
The reason was an escrow shortage. They said my escrow account is short {$4200.00} and that following repayment of the shortage, my mortgage payment would be {$1400.00}. This is an increase of {$260.00} per month. 

I sent the mortgage company ( Caliber Home Loans ) a certified letter requesting specific historical information on beginning and ending balances since the inception of the loan in XX/XX/XXXX, tax and insurance bills received and disbursements made. The notice I received only shows the previous year. I received a refund of excess escrow in {$1200.00} in XX/XX/XXXX. My mortgage payment has been adjusted multiple times since the loan originated. Consequently, I have no confidence that the accounting is correct. So, I requested full documentation of all escrow activity. 

My understanding of my rights is that a reque3st for information must be handled within 5 business day. The mortgage company received my letter on XX/XX/XXXX. I have not received any response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am attaching the payment report that GM sent me showing the XX/XX/XXXX payment was made on XX/XX/XXXX which was only 18 days late. I have verified this with your call center staff. I have asked that this be corrected on my credit bureaus and it remains incorrect. 

Furthermore, on XX/XX/XXXX, I called and asked for a deferment. I made a payment of {$800.00} and was told that the deferment was good to extend the loan by two months and that I was now current and told that my next payment would be due XX/XX/XXXX. I paid some other things with the money I would have used for GM payments because I was told I had a deferment. I made a half payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$400.00} and another half payment in the amount of {$390.00} on XX/XX/XXXX which I believed to take care of the XX/XX/XXXX payment. I then paid what I thought was my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, and XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}. 

When I looked at my credit report on XX/XX/XXXX, I was shocked to see late payments reporting from GM. I immediately called and complained and made a double payment in the amount of {$1600.00} on XX/XX/XXXX in order to bring the account current according to your records even though I believed it to already be current because of the previously offered deferment. 

I was promised a deferment on XX/XX/XXXX when I called and spoke with your staff. I was not given the deferment that I was promised causing serious damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: MO

Complaint narrative:
I have sent 3 letters and countless phone calls about this issue. There are multiple inaccuracies with the Chapter XXXX that's reporting on my credit report. Last year I was told the information was verified and two months ago I sent a letter and wanted to know who verified it. I have yet to get a response. I called Missouri federal courts on XX/XX/18 and spoke with a clerk by the name of XXXX who stated typically those written complaints come to his office and he has no record of any validation request for me. I also pointed out that not only was my date of birth incorrect but two accounts showing in bankruptcy where never included in the bankruptcy yet reflecting on my credit report. So a year later I still have the same questions ... Where are the documents that you used to verify this Chapter XXXX bankruptcy? What is the name of the person in your company who verified this Chapter XXXX bankruptcy? What documents did they use to verify it? 
Please provide me with the name of that individual, their business address, and telephone number. Otherwise please remove this inaccuracy from my report.

Company response to consumer: Closed with explanation