vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 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: WA

Complaint narrative:
Account was disputed as reporting inaccurate information which has caused me to not be able to obtain credit. The CRA 's are only updating personal information and are not correcting the inaccurate reporting of the account. This account was paid in full and has been for over a year. XXXX XXXX falsely updated payment information, but failed to report the overall account status correctly. This has been ongoing and is now representing an intentional attempt at destroying my credit. By provisions of the Fair Credit Reporting Act, I am now demanding that this account be removed from my credit report since I have made several legitimate, yet failed attempts to work with the CRA 's and XXXX XXXX to correct. Please delete the accounts from my credit reports, as they are inaccurate and the company is refusing to properly report 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 non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Received a letter ( attached ) stating that if the company did not hear back from me by XX/XX/XXXX, they would pursue legal action. Date of charge off was XX/XX/XXXX. This is now the second instance of this company wrongfully pursuing legal action. There is currently already an open complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 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: Credit Counsel, Inc.
State: TX

Complaint narrative:
This is about my 7th time requesting to have the XXXX accounts and its duplicate removed for once and for all. 

Next time my attorneys will be involved Original Creditor XXXX XXXX UNIVERSITY ( paid off back in XXXX ) this account has been sold over a 10 times in the 25 years. TIME TO REMOVE XXXX XXXX XXXX {$2400.00} Negative XX/XX/XXXX XXXX XXXX XXXX DUPLICATE Negative XX/XX/XXXX XXXX XXXX # XXXX Original Creditor - - Company Sold XXXX XXXX XXXX XX/XX/XXXX READ BELOW **Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. Debt collectors can not pursue or attempt to collect debts that are more than four years old. https : //www.debt.org/faqs/americans-in-debt/consumer-texas NEED TO REMOVE XXXX, UPDATE XX/XX/XXXX I have requested this accounts to be removed and they keep showing up. It is an old lease that was paid off, was never late and its was well over 8 years ago. Keep in mind that you are breaking the Texas consumer laws by refusing to remove. Attorney has been hired. 

THESE ARE ALL illegal hard inquiries that ARE NOT ME : NEED TO REMOVED XXXX/XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX., XXXX XXXX -You applied for credit in XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX XXXX XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX - You applied for credit inXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
To Whom it may concern, My name is XXXX XXXX. On XX/XX/XXXX I was informed by your company, XXXX XXXX, employee name XXXX XXXX  and XXXX XXXX, I will be enrolled in the Public Service loan Forgiveness program and my loan will be forgiven after 120 payments. I was told my payments will be based on my income and the number of people I financially care for. Last month I was informed your company is fraud and your company is charging {$49.00} monthly fee when your company is not part of the Public Service Loan Forgiveness program. I spoke with Federal Student Aid Department last month on XX/XX/XXXX at XXXX XXXX. I was informed there is no record of me being in the Public Service loan Forgiveness program and have not received any documentation from your company. I called XXXX XXXX onXX/XX/XXXX at XXXX XXXX and spoke with XXXX. After explaining to him about how the company fraudulently enrolled me in a program and are charging me a {$49.00} fee he placed me on hold several times and spoke with his supervisor, XXXX. XXXX  told me he would look into the matter and call me back. As of XX/XX/XXXX I have not received a telephone call regarding this matter. I attempted to call XXXX but the numbers I have are disconnected. Today, I called Federal Student Aid again to confirm if I was enrolled before my lawyer gets involved in this matter. My loan was transferred to XXXX and was told XXXX is not a company who is enrolled in the Public Service Loan Forgiveness program. I contacted XXXX  and was told I am not enrolled in the Public Service Loan Forgiveness program and if I was enrolled in the program my loan would be transferred to the XXXX XXXX XXXX. I was informed by a XXXX employee this is not the first time this company lied and told people they are enrolled in the Public Service Loan Forgiveness program when they are not. I will be contacting Financial protection Bureau & Federal Trade Commerce to file a complaint, contacted State Attorney General, and contacted the XXXX XXXX XXXX to file a complaint if we can not resolve this in a timely manner. I am requesting for your company to stop processing my loan and to waive the remaining {$49.00} monthly fee I am being charged. I have placed a stop payment on the remaining {$49.00} due to this being an scam. If this matter is not resolved in a timely manner, I will have my lawyer contact your company and the case will resolved in Court. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a bankruptcy on my credit report that it has not properly verified. It is showing a bankruptcy with US Courts in XXXX and it has not properly verified this information with the courts in XXXX. Experian is using a third-party company to place information on my credit report that is damaging to my status. I need them to properly verified this with the courts-that means that they speak with someone at the court and provide me the name, time that they spoke with, and the information that was given to them by the courts. Without that proper verification, they can not continue to report inaccurate information about me. 

I have contacted the courts myself and was told that they did supply Experian with such information. Therefore, Experian is showing information that they themselves have not verified but putting on the report as a true statement. 

I have contacted them and they have refused to properly verify this information. They have reported that it's been verified through their third party company. But not properly verified through the court that they are listing that I have filed bankruptcy with. 

Unless they contact the court and get the name of the person with whom they spoke, their identification number, the time and date that they spoke with such person and the results that was given to them, they are just reporting false information from a third party company that is selling information for profit-so they will report any inaccurate and false information just to get paid. 
Please correct my report and remove and delete this information 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 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: CO

Complaint narrative:
Key Express Checking opened XX/XX/XXXX. Terms of account not in agreement with original details outlined in account. Fees charged for both lack of deposits and minimum balance. Closed account about XX/XX/XXXX. 

Asked for a debit card for my savings. Was told via customer service on XXXX ( XXXX ) XXXX that the account can not be used with a card. I was given a generic ATM withdrawal card, told that a Hassle Free checking would be opened to honor a debit card to be used with the account. The result was the same Key Express Checking account being reopened that I previously closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
My account was sold from synchrony bank to a 3rd party on XX/XX/2018.I have been making payments to the 3rd party since.i just received a XXXX for this same account from synchrony bank. however I never settled on the account I have disputed it with the bank and still havent heard anything and it has been a month they just keep telling me it was never sent out or was done in error by sending this out it causes issues with the IRS and I need to file my taxes but cant till this is fixed

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 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Hi, I was just charged a late fee by Citibank on a new credit card account. I did not receive a statement in the mail, so I did not know that a payment was due. I just made the payment in full for {$60.00} on the Citibank website. I asked them to refund the late fee, but they refused. I noticed that they had this account set up for paperless statements, which I did NOT request. Therefore, I would like the fee refunded. I have been a long-time Citibank customer and I keep my account current. 

Thanks, 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 monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Reply XX/XX/19 Complaint ID XXXX has not justified to why XXXX XXXX XXXX was removed. I did not request it be removed. Experian reply has stated or justified the removal of XXXX XXXX XXXX Report # XXXX for XX/XX/19 shows XXXX XXXX XXXX Report # XXXX for XX/XX/19 shows XXXX XXXX XXXX Also there was no request by me to remove it. I paid the account on time. The account was paid off and closed and should show that. I also have last year print outs as the loan for XXXX XXXX XXXX. 
I want to no why the account was removed I did not request no removal nor can Experian show any letter or request with my signature or any other form of documents requesting the removal o ( 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 2019-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a complaint via the CFBP to XXXX XXXX XXXX asking them to validate the alleged debt in the amount of {$170.00} that is reporting negatively against my name and social with all three credit bureaus. On XX/XX/XXXX XXXX XXXX XXXX responded by saying " Dear Ms. XXXX, We are in receipt of your complaint submitted to the CFPB on XX/XX/XXXX regarding an account placed on your credit report by our agency. Please be advised that pursuant to your concerns, and according to Texas Law, we have placed your account on a disputed status, and have ceased collection activity against your account ending in XXXX. Our records reflect that your account ending in XXXX due to our client, XXXX XXXX XXXX XXXX was placed with our agency, XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Your account was placed with our agency with an address in XXXX, TX, which is where our agency mailed you collection notices. Our records further reflect that we placed numerous telephone calls to your telephone number ending in XXXX with means to advise you of your account being placed for collections, but we were not able to reach you. Please be advised that pursuant to your dispute, our agency has removed its trade-line against your account ending in XXXX with the credit bureaus. As per your claim that our agency is not authorized or licensed to collect in the State of Texas, please be advised that this is not an accurate claim. We are properly licensed in the State of Texas as Retrieval-Masters Creditors Bureau , Inc., as well as all of our assumed names including XXXX XXXX XXXX XXXX. Should you have any further questions and/or concerns, please do not hesitate to contact us. '' I am unclear as to what actions were actually taken to resolve the issue. XXXX XXXX XXXX  stated " ... .lease be advised that pursuant to your dispute, our agency has removed its trade-line against your account ending in XXXX with the credit bureaus. '' Does this mean the alleged debt has been or will be removed? More over, I was sent a validation of the debt via mail. The communication received from XXXX XXXX  XXXX is address to an XXXX XXXX XXXX. I am unaware of who that is as my middle name does not start with and has never started with a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington National Bank is withholding deposits and posting credits to my account first in order to generate fees. I have a screenshot of my account on their website and when I called them they said the dates on their own website were incorrect and the dates they had were different

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: CA

Complaint narrative:
I just received a notice for a debt collection for credit card for XXXX XXXX, formerly XXXX ( per company rep ) for {$3300.00}. When I called the company about the notice, I was told the account was opened on XX/XX/XXXX and the last payment was made on XX/XX/XXXX. 

I checked my credit reports and this account has never been reported or have I received notice. In addition, this " account '' is over XXXX years old. Per California law, the statue of limitations is 4 years. This exceeds the statue of limitations and is not collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
Home is passed on and had to go through probate, I obtained full authority to sell the home. On XX/XX/XXXX letter of intent with probate documents was sent over to the bank. I was told by a representative this is all I needed to submit. I spent money on making repairs to the home to make it available to sell. I listed the home on XX/XX/XXXX. I authorized my realtor to keep in touch with the bank and she was advised that their was no sale date on the property and that if that came about I would be granted an extension. I now have a sale date of XX/XX/XXXX, I have asked for an extension and have been told that I'm not able to be granted and extension due to timelines and not providing proper documentation. Of which I followed everything they asked for but now state I didn't submit it on time??? 

Please help I'm beyond stressed and have tried everything on my end to abide by their timelines and process. My mothers death was very hard on me and I'm trying to tie up all these loose ends. I just need a bit more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I applied to my credit union for a home refinance. At that time I was asked to unfreeze the " big three '' credit reports as I keep them frozen. I did this successfully with XXXX and XXXX without any problems. When attempting to unfreeze the transunion report online it could not locate my report and told me to call customer service. I called customer service on XXXX at their customer service number. They said I would need to call " the United States dept '' the following day during business hours via the same customer service number. I called them on XXXX during business hours. They told me they unfroze the report. I have repeatedly attempted to access my report through their online service to no avail. I called customer service a third time today XX/XX/XXXX at around XXXX XXXX. I was again told the credit report was unfrozen and that I needed to call the online service as that seemed to be the problem. My bank attempted to pull the report yet again and I received an email saying it was denied because my credit report was frozen. I was then told by the online service that they could not locate my credit report and to call customer service. This would be the FOURTH call to customer service with fingers being pointed from one dept to another.

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 2019-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I went into a branch located at XXXX XXXX XXXX XXXX NY to simply move funds out of my HSBC Savings Account. GIven the sum of the withdrawal I requested a bank check. After 45 minutes of physically being in the branch and speaking to the floor manager who had been speaking with somebody over email ( not sure why not over a phone call ) the bank check was finally approved. They could not print the bank check though because their printer was inoperable. I asked for them to write a check since a broken printer could not simply render a banking institution inoperable. They told me this was not possible. I asked for cash, this was also not possible. I was told by my banking relationship manager ( XXXX XXXX tel XXXX ) that I could go to another branch, come back when this current branch 's printer was working, or they could mail me a check. This is an unacceptable outcome after waiting in the branch for 45 minutes. How can a banking institution not allow a customer to withdraw funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/18 I received an alert on my XXXX stating I added an authorized user on my Bank of America, BAO, mobile banking app. I then saw that {$6300.00} was transferred out of my savings account. I immediately called the bank and reported the fraudulent activity. They opened a claim. Claim # XXXX. 

On XX/XX/18, BAO sent me an email stating they denied my claim because the transaction came from a device I had been using to login and I authorized the transfer. They asked to have my IT department do a scan and if a virus was found that they could write a letter stating their findings. My work computer had a virus on it and I sent the requested letter. After a few weeks BAO called me and told me that my claim was denied again because the fraudulent activity came from my XXXX and I authorized the transaction. 

I contacted my mobile service provider, XXXX XXXX, to see if they could scan my phone and provide a letter of their findings. XXXX stated they do not have the capability to scan phones. 

I did not authorize this transaction. 

I filed a police report with XXXX, MA police department on XX/XX/18, Report # XXXX. 

I contacted the bank one last time and told them what XXXX said regarding phone scans. BAO said they would not reopen/honor my claim.

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