vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-26 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: SC

Complaint narrative:
Transunion is showing a collection that is two years and it is invalid. I disputed the charge and the company removed it from XXXX. Further, they are artificially lowering my credit score due to inquiries and percentage of outstanding credit used, even though the amount is miniscule compared to my income. This has damaged me by causing a higher interest rate on the loans I am attempting to get.

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 2018-01-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX have reported that I have opened an account No. XXXX on XX/XX/2013, for a line of credit of XXXX XXXX Dollars ( {$100.00} ). 
XXXX  clamied that I made a purchase for XXXX Dollars ( {$40.00} ). 

I did not open the account. I did not make purchases from XXXX. Also, I received no bills or any information from XXXX indicating that I owe XXXX any due and outstanding amounts. 

I only found about this account when it showed up as a negative mark on my credit report. I wrote to XXXX to request more information or copy of the bill. XXXX failed to respond. 

I disputed the matter through XXXX credit agency. XXXX refused the dispute and affirmed the negative account. 

I request XXXX to produce the charges I made and XXXX bill that it had been sent to my address of record. XXXX failed to do so and should remove the negative 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 2018-01-26 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: AES/PHEAA
State: TX

Complaint narrative:
My accounts got sold from the department of education to the XXXX XXXX   with out my knowledge. Showing in my credit report as transferred-closed accounts. When looking at my account balances, nothing matches and its off balance. I continue to spend hours with the department of education, XXXX XXXX, and do a number of disputes and nothings gets updated. Even having the documents with the statements showing the correct balances. When you ask XXXX XXXX to correct your information with the credit agencies, they ask you to dispute it. But when you dispute it with the credit agencies nothing gets changed. Its a circle of never ending and nothing gets done. My credit report is saying one thing and the letter from XXXX XXXX is saying another. When applying for a home loan for example I cant even prove the true amount that I owe because of what my credit report shows. Some Late Payments reported that are not late. XXXX XXXX informed me that because of the deferment they would remove all late payments from the credit report and they didn't. False information. Even after the deferment was in place and payment date was established and not due yet, they continued to report late payment on some accounts. " They update the amounts and still incorrect and reported late payment on a account that is not due '' just not right and told me I needed to talk to the credit agency and dispute the error and that can take 30 days to see if they can resolve it if the error is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I received a check that was written out of my same bank for {$120000.00}. I was to deposit it and when the funds were available I was to send a wire out of those funds of {$98000.00} to another account. I was told by the teller that the funds were immediately available. I said right now? She said yes. So on the XX/XX/XXXX I wired the funds through the very same bank. I was then instructed to wire an additional {$19000.00} to the same account on the XX/XX/XXXX. I did so again through this same bank. That night I receive an email that the check had been returned after they had told me it was good.

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 2018-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: IL

Complaint narrative:
Hello, We are trying to avoid foreclosure at all costs whether its through a modification or a deed in lieu. The servicing of our loan was recently transferred on XX/XX/XXXXto Selene finance from XXXX. We have been sending all requested information to XXXX prior to the transfer with no response only for XXXX to tell us this week that they can not answer any of out questions any longer since Selene is the servicer as of XX/XX/XXXX. We called Selene finance all week and they have sais they do not have the file in the system yet to help or answer our questions. I advised them that the letter says it transferred onXX/XX/XXXX and the sale date isXX/XX/XXXX and we don't ; have much time. the reps at Selene have been telling us that it might take another week for the loan to be up in their system to help us. I told them that will be too late. They didn't seem concerned or willing to help. they told us to call an attorney or the previous servicer which already told us they do not have the file. We attached the transfer notice. Reason for default was due to one of the borrower 's XXXX. We are now financially stable after the hardship and are looking for a modification or a deed in lieu to avoid a foreclosure on the credit report. Apparently the banks need time to review the docs but know one is willing to help answer questions since the file is not in their system yet. Who can help us. We are desperate and in need of guidance. XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My account balances are not reporting correctly on a few of my accounts in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
After Checking My Credit Report Thru XXXX....XX/XX/XXXX...It Was A Charged Off Account From Capital One XXXX  That Was Not Mine On My Report....I Called Capital One, XX/XX/XXXX..Using My Social Security Number....Nothing After Waiting For Several Minutes...I Was Connected To A XXXX XXXX...Which Transferred To A XXXX In The Dispute Department That Put Me Onhold....She Then Stated She Can Not Locate Such Account...She Then Stated She Will Turn This Over To Their Investigation Department For Further Review....So After Spending Over A Hour With Capital One On Several Occasions, I Have No Solution But Have Now Not Only Is It Reflecting Negatively On My Credit Report But I Received Several Calls From A XXXX XXXX At XXXX....XX/XX/XXXX....Stating He Is From XXXX XXXX XXXX.....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
multiple accounts are reporting incorrect balance information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for an XXXX American Express Business credit card in XX/XX/2017. The promotion was as follows : " XXXX bonus Starpoints after {$5000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus Starpoints ( for a total of XXXX  ) after an additional {$3000.00} or more ( for a total of {$8000.00} ) in eligible purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. '' This is not in dispute, this is pasted from a chat window that they sent to me. 

We met both the {$5000.00} and additional {$3000.00} minimum spend simultaneously on our statement closing XX/XX/XXXX. We assumed the points would be issued quickly, as they were when my husband completed a similar spend on the personal XXXX AmEx credit card. We received the initial XXXX points for this card on XX/XX/XXXX, 15 weeks after meeting the spend, after they told me 8-12 weeks. However, we still have not received the final XXXX  points, and have now waited 7 months. We have spoken with American Express numerous times, and launched an " investigation '' in late XXXX. Each time we reach out, it will be another couple of weeks, a few more days, etc. We need some kind of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Stores have reported that I have opened an account No. XXXX on XXXX XXXX, 2013, for a line of credit of XXXX XXXX Dollars ( {$100.00} ).

XXXX clamied that I made a purchase for XXXX Dollars ( {$40.00} ). 

I did not open the account. I did not make purchases from XXXX. Also, I received no bills or any information from XXXX indicating that I owe XXXX any due and outstanding amounts. 

I only found about this account when it showed up as a negative mark on my credit report. I wrote to XXXX to request more information or copy of the bill. XXXX failed to respond. 

I disputed the matter through Experian credit agency. XXXX refused the dispute and affirmed the negative account. 

I request XXXX to produce the charges I made and XXXX bill that it had been sent to my address of record. XXXX failed to do so and should remove the negative 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 2018-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Brelvis Consulting, LLC
State: OK

Complaint narrative:
I saw on the internet that there are programs for Student Loan Forgiveness if you were a certain age or had paid several years on the loan and there were other categories. I called the XXXX XXXX XXXX and was told by XXXX XXXX that I may be able to stop payments for six years but I would have to sign a contract and pay {$900.00}. I filled out the contract on XX/XX/XXXX. {$330.00} was taken from my account that day. 
Later that day I noticed an ad that warned against this type of program, it stated that these program are sometimes fraudulent and never pay up front. I called on XX/XX/XXXX, XXXX, XXXX and left a message stating that I wanted to cancel and remain with my current lender XXXX and please return my call. On the XXXX I was able to speak with someone when I called and I requested that the money be replaced back on my credit card. I also sent a certified letter stating the same information. 
On XX/XX/XXXX I received an e-mail stating I need to make another payment, or the account would be turned over to a collection agency. I called and was transferred to a supervisor that said I had to pay the money because XXXX XXXX had spent lots of time with the contract. I have paid {$990.00}. I was told to send my tax return for XXXX but that I probably didn't qualify. When I called the next week I was told that I didn't qualify because there was a difference in the amount of my income I did not know that the RDM had to be added but they kept my money and has provided no services. I have called several times since then and they tell me we will take care of you. The last time I called I asked for a copy of the contract and I was hung up on. I can't understand how they can keep the money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts got sold from the department of education to the XXXX XXXX   with out my knowledge. Showing in my credit report as transferred-closed accounts. When looking at my account balances, nothing matches and its off balance. I continue to spend hours with the department of education, federal loans, and do a number of disputes and nothings gets updated. Even having the documents with the statements showing the correct balances. When you ask XXXX XXXX to correct your information with the credit agencies, they ask you to dispute it. But when you dispute it with the credit agencies nothing gets changed. Its a circle of never ending and nothing gets done. My credit report is saying one thing and the letter from XXXX XXXX is saying another. When applying for a home loan for example I cant even prove the true amount that I owe because of what my credit report shows. Some Late Payments reported that are not late. XXXX XXXX informed me that because of the deferment they would remove all late payments from the credit report and they didn't. False information. Even after the deferment was in place and payment date was established and not due yet, they continued to report late payment on some accounts. " They update the amounts and still incorrect and reported late payment on a account that is not due '' just not right and told me I needed to talk to the credit agency and dispute the error and that can take 30 days to see if they can resolve it if the error is correct.

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 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Received call from XXXX XXXX with XXXX, XXXX and XXXX at XXXX stating I owed money from an old account with XXXX this is over 8 years old. Threatened to serve me a summons at home and work and offered a " settlement amount ''. Were very threatening and caused fear that this was a legitimate debt. The debt does not show on my credit report and they could not provide anything other than a letter stating I owed this money. Called twice from a private and unknown number stating I had been told.

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 2018-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account balances are not reporting correctly on a few of my accounts in my credit file.

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 2018-01-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My account balances are not reporting correctly on a few of my accounts in my credit file.

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 2018-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that Chase is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling Chase directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
multiple accounts are reporting incorrect balance information on my credit file.

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 2018-01-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
multiple accounts are reporting incorrect balance information on my credit file.

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 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CARD Corporation
State: IN

Complaint narrative:
XX/XX/18 is the date we get paid and my funds are not on my card. I check that all routing and account numbers are correct and they are. I spoke with payroll from my employer and they provided me with a trace number to give to Card.com to " find '' my funds. I have called today 6 times to get this resolved. Card.com states they have not received my funds but my employer advised me that the funds were send on Wednesday. Another employee at my location also got a card.com card and she received her funds on Wednesday with no issues. But here it is FRIDAY ( PAYDAY ) and I am missing {$600.00}. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a complaint against Citi Bank referenced to my business account that was closed by this institution. I received a bad check by a company that was my company was receiving a payment by. I understand that the bank took preventions methods for security reasons, but it was not my fault that this check was a bad check. Either way I assume responsibility and must move on, what has me furious and confused is that the bank has my mail filled with letters with investigations. When this all happened a few weeks ago, I contacted the department of fraud because I wanted to solve the problem and because they blocked my money that has nothing to do with amount of money of check deposited. I am losing more than 800 dollars because Citi bank wants to keep my money.

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 2018-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Middle Georgia Management Services
State: GA

Complaint narrative:
Collections manager came out and gave loan information to family member without my consent as well as showing court paperwork to them while i was asleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My account was closed due to a financial hardship.

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 2018-01-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} ). 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.

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