vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-04 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: GA

Complaint narrative:
Previous Case Number with CFPB : Case number : XXXX ( EQUIFAX HAS NOW FROZEN MY CREDIT REPORT AND HAVE FAILED TO ACT ON INFORMATION I PROVIDED ; I WAS INSTRUCTED TO PROVIDE ADDITIONAL INFORMATION ON MY IDENTITY AND I DID. PLEASE SEE ATTACHED DOCUMENTS ) On XX/XX/XXXX, and XX/XX/XXXX, I disputed an account reported by XXXX County Superior Court ; Case # XXXX ; Amount : {$1800.00} in the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX that the item was deleted from my credit report with Equifax. 
Now I discovered that the item has been reinstated on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five ( 5 ) business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau This item has been removed from my credit report with XXXX, XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
The mortgage company keep adding fees and other expenses to my escrow account, I try to figure out the reason of this fees & expenses with many calls with the mortgage company, but no reasonable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation
State: WA

Complaint narrative:
TRS Recover ( Telecheck ) will not allow me to write checks. Telecheck confirms that I DO NOT owe any money, however, after repeated calls for 2 months, they say I " have to rebuild my credit before they will approve new checks ''. 
Telecheck is going way out of bounds in how they are operating as a business. I do n't owe ANY money to Telecheck or any merchant that uses Telecheck, YET, they can deny my checks based on their own credit reporting data? Telecheck is NOT a credit agency. Telecheck can not make me fix my credit. I demand the CFPB investigate Telecheck and regulate how they are doing business OUTSIDE of their actual legal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My due date was on a Sunday ( XX/XX/17 during a three day weekend ( XXXX XXXX ) and it did not roll to the next business day. The chase bank branch near my house was closed both on Sunday and Monday. I have worked in Mortgage servicing for more than 20 years and we are required to roll any due date to the next business day when it falls on a weekend and I believe credit cards should as well. I believe not requiring a due date to roll to a business day is an unfair and unethical business practice. I was charged a {$25.00} late fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: OK

Complaint narrative:
Not reporting correct date with credit grantor should be showing XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover enrolled me in a Payment Protection Program back when I first signed up for the card. Since then it appears to have been on my statement as a small fee that would has gone unnoticed for the full length of my membership with them. Upon calling Discover all anyone can say is that I gave permission for them to charge me over the phone without any additional information, recordings, or names. They then continue to state again all that they attempt to do keep members aware that they are being charged these fees with no statements as to how I was specifically enrolled originally or what they are doing to address such concerns in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-04 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: FL

Complaint narrative:
I went to XXXX XXXX XXXX XXXX and XXXX with student loans in mind. I transferred my credits from a previous college, I did n't think I would have an issue. I also receive several school scholarships, I paid monthly payments out of my pocket during the semesters as well. feel like the school misleads students in order to keep the retention low. I was never informed that I would have a {$20000.00} plus loan debt after graduating. I feel like they pressured me to sign loan papers in order to stay in school. I would n't have finished the program if I knew the loan amounts. The degree has not opened up any opportunities, I did not receive any internships or mentor-ship. The school and its staff have changed and relocated. I am left with debt and no direction, I am working a job not in my field to try to repay loans. I honestly do n't feel I 'm responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OK

Complaint narrative:
Not reporting correct date with credit grantor. Should be showing 2014.

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 2017-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove

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 2017-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Several years ago I opened an account with BBVA Compass bank in My Name and my wife 's name. When the account was opened we were issued a credit card. In XX/XX/XXXX we closed our BBVA bank account and we thought we closed the credit card account. We never used the credit card during the time we had the bank account and never received any credit card statements before or after we closed the bank account. Today XX/XX/XXXX we received a {$0.00} balance statement from BBVA Compass for a credit card in my wife 's name for the period of XX/XX/XXXX to XX/XX/XXXX. I called BBVA compass to verify that this was not fraud, and the ask for my SSN number, which I refused to supply. They were able to verify the account by our phone number and address, and agreed to close the account. I ask for the last four digits of the SSN number that they had on file for this account, but their representative XXXX XXXX refused to answer. I am complaining about two actions by BBVA. 1.  Keeping the credit card account open, when they stated it would be closed in XX/XX/XXXX, and not sending any statements until XX/XX/XXXX. 2. For refusing to supply me with the SSN that the account was opened under. The bank account had my SSN on it, so they had no business opening a credit card in my wife 's name with my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Not reporting correct date with credit grantor. Should be showing 2011

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I made adjustments through the online dashboard to NOT ACCEPT any charges that were going to over draw my account and deny the transaction. 
Capital One 360 decided for me in a credit card dispute and credited my account {$750.00}, then months later they changed their mind over false evidence then attempted to charge me {$750.00}, this sent my account to XXXX. 
I did not authorize this {$750.00} charge, plus the account settings were set to deny any such charge that would send my account negative. Capital One 360 over rode these settings in my account and forced the charge against my will making me a debtor to an un-authorized charge. 

I have never " lost '' any reversals of charges in the past, XXXX was the original owner of the account but Capital One 360 purchased them and made the customer service hostile against customers in an already broken banking industry. I AM NOT paying this or making any deposits. I will go to the cashless society and trade in silver if I have to, I will not take this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
Not reporting correct date with credit grantor. Should be showing 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 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: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I paid my mortgage in full on XX/XX/XXXX, I disputed to the credit bureaus that the delinquency, and past due balance should be updated to paid and no past due balance because this account was paid in full and I have my title. Vanderbilt Mortgage responded back to XXXX on XX/XX/XXXX that the account was not paid, and there was a past due balance which is incorrect, if this were true how did I receive my title to my mobile home? Vanderbilt reporting incorrect information has caused me to be turned down for credit such as a new home loan. They are reporting that I am 120 plus days past due

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 2017-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
1. I went to XXXX XXXX in New York. I was n't told they were n't an accredited college until a month before my graduation for a XXXX XXXX XXXX. This school did not help me find work which was the only thing they were clear and upfront about in the beginning - " we have great graduate to employment record. You 'll be in a job. '' I graduated in XXXX and did not find a job until XXXX and that was off a program I took in my community that gave good advice. 

2. Capitalization/Subsidizing vs. Unsubsidizing was not explained to me. 

A fraudulent college was working with a greedy lender hand in hand to rob me and many like me blind. 

3. My loan amount was XXXX as of XXXX. I 've been paying loans for 10 years to the amount of XXXX. I still owe over XXXX in loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX credit report is reporting 2 accounts on my report that were to be deleted. The first one is bank of america 2nd one is  XXXX. I have been disputing these accounts for over 6 months now and still nothing is being corrected. However XXXX  did an investigation and it was proven that these 2 accounts be deleted off my report. XXXX should have received the same response from my dispute. I keep getting letters from XXXX that they verified the accounts belong to me and updated. This is completely wrong. I contacted corporate office at bank of america discussed the whole situation that these charges were not made by me. XXXX is out of business but sent me to collection. I 've tried contacting the collection agency and they told me there is no record of me in collection as the account is probably too old. All I no is I PAID in full the XXXX card. I 've disputed these accounts so many times with XXXX and now they will not allow me to re-dispute again unless I submit supporting documenation. This is not right as it is affecting my credit score in a very negative way. I feel XXXX is NOT doing a thourough investigation as if they did they would have received the same response as XXXX did to delete and remove these accounts off my credit report. I have previously uploaded copies from XXXX that these 2 accounts were deleted off my report. XXXX is not doing the right thing and to not allow me to re-dispute is completely wrong. I have 2 things on my report that DO NOT belong on there.

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 2017-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Sent certified letter to Citibank on XXXX asking the following questions : Please provide payment history on these loans. Please provide explanation why payments made over the minimum due were not applied to principal reduction. Please provide information how payments made during deferment were applied. Why were late charges assessed during loan deferment? Who authorized electronic statements and where were they sent? On XXXX requested to be taken off electronic statement. I received 2 paper statements which were paid in full. Never received another statement. Citibank responded on XXXX saying : " Loans XXXX and XXXX were sold to XXXX XXXX and Loan XXXX was transferred to XXXX XXXX. I contacted both XXXX XXXX and XXXX and neither company had any record of the loans and both said I should contact Citibank. I sent a 2nd certified letter to Citibank on XXXX saying neither company had a record of the loans and I should contact Citibank. Citibank did not respond to the 2nd letter. I received a letter dated XXXX from XXXX XXXX XXXX asking me to pay {$9100.00}.

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 2017-09-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am a victim of the inquiry issues that happened with trans union

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 2017-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have notice a fraudulent Macy 's account on my credit report a few months ago, I Immediately called the phone number for the company that was listed on my credit report and mentioned to them that this is a fraudulent account. I told them that this was Identity theft and also notified them that I have filed a police report. Another month later I noticed on my credit report that they have reported me as being late on making a payment, after I told the company this was a fraudulent account, the company did not make any notations or remove this item from my report, or temporarily stop reporting negative history about this fraudulent account until an investigation has been completed, the company clearly violated the FCRA regulations and section 605B of the fair credit reporting act. 

I also made another follow-up call with the company to check why this item is still on my credit report, this time the agent stated to me they did not have any information about a fraudulent account, and the only information they had on file was a reported lost or stolen credit card, I clearly told the agent I reported identity theft and never opened a credit card with this company. the agent was rude and I was not able to clearly understand her. She then hung up the phone call on me. I reported this back to the police again, as well as the ( FTC ) Federal Trade Commission, and the ( BBB ) Better Business Bureau. and the District attorneys office. I also informed the company that my residential mail was also fraudulently placed on hold, and the thief 's used my address to obtain services and was able to pick-up mail without my knowledge,

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 2017-09-04 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: NY

Complaint narrative:
XXXX credit report is reporting 2 accounts on my report that were to be deleted. The first one is XXXX XXXX XXXX 2nd one is XXXX. I have been disputing these accounts for over 6 months now and still nothing is being corrected. However XXXX did an investigation and it was proven that these 2 accounts be deleted off my report. XXXX should have received the same response from my dispute. I keep getting letters from XXXX that they verified the accounts belong to me and updated. This is completely wrong. I contacted corporate office at XXXX XXXX XXXX discussed the whole situation that these charges were not made by me. XXXX is out of business but sent me to collection. I 've tried contacting the collection agency and they told me there is no record of me in collection as the account is probably too old. All I no is I PAID in full the XXXX card. I 've disputed these accounts so many times with XXXX and now they will not allow me to re-dispute again unless I submit supporting documenation. This is not right as it is affecting my credit score in a very negative way. I feel XXXX is NOT doing a thourough investigation as if they did they would have received the same response as XXXX did to delete and remove these accounts off my credit report. I have previously uploaded copies from XXXX that these 2 accounts were deleted off my report. Transunion is not doing the right thing and to not allow me to re-dispute is completely wrong. I have 2 things on my report that DO NOT belong on there.

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 2017-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST HORIZON BANK
State: MD

Complaint narrative:
In XX/XX/XXXX, First Tennessee Bank charged off my second mortgage. I contacted them to make payments of {$400.00}. I made payments for 5 years with them stating it was being applied to my principal. Recently, I was unable to continue making the {$400.00} payment due to financial hardship. First Tennessee contacted me earlier this year to begin making payments. I offered {$200.00} a month. The lady on the phone stated it would n't be enough to cover principal and the accruing interest. She told me in order for the phone calls to stop I had to make the original payment of {$770.00} to include the interest. This does n't make sense to me because in order to charge a consumer interest should n't I receive regular monthly statements according to the Truth in Lending Act? That is the number one reason charge off accounts are n't charged interest because there are laws that apply. Also, in reviewing my original documents, there is no where that speaks to charging interest after the loan is in default. I do n't understand why i 'm being charged interest on an account that is no longer on the company 's records as an active account. To make matters even more complicated the last time the account was reported to the credit bureau was XX/XX/XXXX with a balance due of {$100000.00}. They are n't even reporting to the credit bureau the increased amount.

Company response to consumer: Closed with monetary relief