vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
By far, Citizens is the most grossly incompetent bank I have ever dealt with. The repeated misinformation I was given by their employees will end up causing me to forfeit a bonus I should have received with a different bank. I CLOSED this account on the phone with customer service with a XXXX balance in XXXX. I was very clear that I did not, under any circumstances, want a direct deposit ( or any other activity ) to take place after closure. I was assured by the customer service rep on the phone, and by her manager whom she connected with, that a " block '' had been placed on my account so nothing would go through. I called back on XX/XX/XXXX, and was again assured that normally Social Security deposits that come through on closed accounts are returned. Today, I found my errant Social Security deposit was indeed back in Citizens with the account reopened. I called, and for once did not encounter their usual 10- or 15-minute wait on hold, but was instead repeatedly disconnected. When I finally was transferred to a supervisor, she told me the first information was erroneous -- that, after again XXXX out my account, I would have to call to request a manager send a notice to a branch to finalize closing the account. Upon calling back to speak to a manager about following the procedure that had been described to me, I was told for a THIRD time that there was yet a different procedure. Now I'm told that I must personally send a letter to the branch office asking to close the account permanently -- they will not send the notice for me. Granted partial responsibility goes to Social Security for their failure to update my information ( despite repeated contact with them ). But all I needed to not suffer a financial loss was for Citizens Bank 's employees to actually know how their bank operates, and give me correct information so the deposit could be rejected and redirected to the correct bank. It is ridiculous that no two employees can provide the same information. At this point, I have no idea if the latest information is even correct -- why should I trust it to be accurate now, when apparently it hasn't ever been before? Let me add that the above is not the ONLY issue I encountered in my brief 3-month involvement. Other failures of communication, and misinformation, led to a domino effect that has proven ridiculously costly, both in time, money, and aggravation. My advice to potential customers : avoid this institution like the plague it has been for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account WELLS FARGONA/XXXX  which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGONA/XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Chapter XXXX bankruptcy filed XX/XX/XXXX. Kohls/capital one has inaccurately reported this account to XXXX on multiple occasions, initially not reflecting the Chapter XXXX at all. Most recently, it reflected the Chapter XXXX filed in XX/XX/XXXX, instead if XX/XX/XXXX and reported a failure to pay in XX/XX/XXXX which caused my missed payment to be reflected inaccurately. I opened a dispute with XXXX XX/XX/XXXX stating the chapter XXXX date should be updated to reflect correctly of XXXX and that the missed payment from XX/XX/XXXX should also be removed. I received the dispute was completed XX/XX/XXXX and that it was updated. Yet this creditor reported ANOTHER missed payment in XX/XX/XXXX causing my FICO score with XXXX to drop 20+ points as this is the only event that has happened which would negatively impact my score. 

I have attempted to contact this creditor MULTIPLE times to just report the information accurately, I get mocked each time i call, and unable to speak to their 'bankruptcy department '. 

I have attempted to explain this information to XXXX   reflecting the facts andvtheyvjust kick it to the creditor to update who keeps inaccurately and falsely reporting missed payments which are negateively impacting my FICO scores that I sn trying to rebuild from after facing an unfortunate situation. My XXXX FICO score is approximately 45 points lower than my XXXX and XXXX scores and solely based on the way Kohls/capital one is reporting my closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have two fraudulent transactions : - XX/XX/18 - PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX for {$1800.00} - XX/XX/18 - PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX XXXX CA XXXX CARD XXXX for {$1200.00} Someone stole my phone and my wallet and made some purchases on my account. They stole my phone and authorized the transactions. Now my bank is trying to say that I authorized the transactions because it came from my phone number!

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 2018-09-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I borrowed $ XXXX, I have already paid $ XXXX however my balance is stil {$29000.00}. 

I never received amortization chart and I never received the complete payment history I asked for. 

I feel this was predatory lending and I want to sue them. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: FL

Complaint narrative:
I had an account with XXXX which was paid off by the Dealer in XXXX-XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies. 

I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl. 

I contacted Experian over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late. 

As a result Experian updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show XXXX XXXX as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model. 

They investigated both the XXXX and XXXX incorrectly and now I am being penalized. I also am complaining against XXXX XXXX XXXX for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.

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 2018-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My loan is currently held by Select Portfolio Servicing & am currently paying PMI since it's inception in XXXX. I have requested to cancel PMI on numerous occasions but it has fallen on deaf ears. 

Under the Homeowners Protection Act of 1998, if my loan is closed on or after XX/XX/XXXX as a single family primary residence & I am current on my loan payments, PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property. This is a clause under Automatic Termination of PMI. I am currently under 49 % & still paying each month for no reason. I want them to be accountable & cancel my PMI as soon as possible & reimburse me thousands of dollars I have paid in PMI installments each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX/XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5.

I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: VW Credit
State: FL

Complaint narrative:
I had an account with VW which was paid off by the Dealer in XX/XX/XXXX-XX/XX/XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies.

I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl. 

I contacted XXXX over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late. 

As a result XXXX updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show VW Credit as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model. 

They investigated both the XXXX and VW incorrectly and now I am being penalized. I also am complaining against VW Credit US for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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 — Was not notified of investigation status or results
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
For the past two years I have been trying for Consumer Portfolio Services to verify the transaction history on my auto account and fix it since I was never past due as what it shows on my credit report, it shows me being past due in XX/XX/XXXX in the months of XX/XX/XXXX ( 30 days ) XX/XX/XXXX and XX/XX/XXXXand XX/XX/XXXX ( 30 days ) XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX leading all the way to XX/XX/XXXX when I paid off my account, I'm also submitting for further review under the FTCP for the way they collect as my account was only 1 day past due, my records reflect different as not past due, I also tried calling them with no success, no one will respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I do not have precise dates of communications between myself and Equifax, as I did not realize this was going to become such a problem. 

In Spring of XX/XX/2018, I received an unprompted letter stating that my current address has been changed. They stated that my new address was my previous address. This was inaccurate and I had not requested the change. 

I called Equifax to inform them that they had erroneously changed my address to an old address. I spent 30 minutes verifying my identity. The woman on the phone wanted every credit card balance I had and every mortgage payment amount ( I am in investor so I have quite a few ). This required me to log into various accounts to get this information. After she verified my identity, she said, " Please mail a copy of your driver 's license and social security card to <XXXX XXXX> with a cover letter stating the change you are requesting. '' This was a bit irritating, as I had already told her what I wanted, and wondered why she couldn't just take care of it, but I didn't say anything to her about it and did as I was told. 

I considered the matter done. Until I got a letter in the mail stating " The identification you provided does not match our records ... Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number.. '' That's what I had ALREADY DONE. 

On XX/XX/2018, I sent another letter with my driver 's license and social security card. This time I enlarged both documents to take up an entire page and included the original cover letter. I also added a note that said, " This is the third hoop I have had to jump through to fix your mistake. I did NOT request that my address be reverted to my previous address. If you do not change it back then I will submit a complaint to the CFPB. I am taking no further action on this. Fix your mistake. I am done. I hope these documents are big enough for you to read this time. '' Again I considered the matter closed. However, I received another letter dated XX/XX/XXXX from Equifax. It was the exact same letter, requesting my driver 's license and social security card. I have not been able to reach them by phone because they want some claim or file number and I have no idea what that is. 

At any rate, I want to shift the burden from myself to them. Their system made an error and they should put the burden on themselves to fix it, not on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
SOURCE RECEIVABLES MNG XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. 
The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. This account was already Disputed with XXXX XXXX and XXXX on XX/XX/2017 SOURCE RECEIVABLES MNG 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 2018-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meyer & Njus, P.A.
State: MI

Complaint narrative:
I recieved a letter from XXXX XXXX XXXX, XXXX  Attorneys at law claiming that they are collecting for XXXX XXXX reguarding XXXX credit card. I am disputing this collection because this account was already under dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery bought a debt that was in my name but was not mine Enclosed is a letter from furnisher stating that the debt was not mine I have contacted Portfolio recovery and credit reporting companies to remove this from my credit report all refuse to do so. portfolio recovery need to remove the credit companies did an investigation and portfolio came back verified please get them to remove it at once they have damaged my credit enought enclosed is a copy of letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2018 I received a promo email offer from Chase to sign up for a UnitedAirlines credit card and that I would receive XXXX air miles and XXXX extra miles, if I applied for two cards and spent more than {$3000.00} in the first 90 days. I clicked on the " apply here '' tab and filled it out. I received my credit cards for me and my wife and we spent well over {$3000.00} in the first 30 days. Chase only gave me XXXX miles to XXXX. I contacted Chase and sent them copies of their original email and I spoke to 3 customer service and 2 supervisors. The last supervisor " XXXX '' stated on XX/XX/2018 that only XXXX miles were sent to XXXX because they set me up on the wrong promo. She stated this on the phone to me, and my wife was listening. We could not believe that she admitted they made a mistake but that they were not going to give me the advertised promo because it was already done and she said that was the end of it. I have the original email promo to prove my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
THE ACCOUNT WAS OPENED XX/XX/2018 AMOUNT OWED THATS REPORTING ON MY CREDIT REPORT XXXX I FILED A DISPUTE THROUGH THE CREDIT BUREAUS FOR IDENTY THEFT I WAS UNAWARE THAT THIS ACCT WAS OPEN I DID NOT OPEN THIS ACCOUNT OR GIVE ANYONE PERMISSION TO OPEN ACCOUNT IT IS CABLE BILL ACCT BUT THEY GAVE TO A COLLECTION AGENCY BY THE NAME OF SOUTHWEST CREDIT SYSTEM ORGINAL COMPANY IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: IA

Complaint narrative:
Credit management, Added a debt t my credit file, but I have not received any correspondence for me to verify and establish his debt as a verifiable debt. They added to report when they new i never new about a debt that I have previously paid and closed out with XXXX. Per, Fair credit reporting I have this right, and to add to my credit report like i don't want to care of a deb shows tactics that are not in fair crediting reporting act,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: IA

Complaint narrative:
XXXX XXXX XXXX, Added an account that has been handled through my Chapter XXXX Bankruptcy, but yet they ave listed this account with all 3 credit agencies as open. This debt is included in my chapter XXXX bankruptcy, it s illegal to list any debt that is included in a chapter XXXX, and list on a creditors file as open. I tried to handle this repeatedly through the 3 credit bureaus and they refuse to verify through my attorney and court.

Company response to consumer: Closed with explanation