vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX up to date with everything. They told me that they would remove these late payments but they haven't.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX reported me as being late for account number XXXX**** for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX  up to date with everything. They told me that they would remove these late payments but they haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX   up to date with everything. They told me that they would remove these late payments but they haven't.

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 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
OPENED CHECKING ACCOUNT WITH CITI BANK ON XX/XX/2018 AND WAS OFFERED XXXX XXXX XXXX   MILES AS BONUS FOR OPENING ACCOUNT BETWEEN XXXX, MAKING {$370.00} IN DEBIT CARD TRANSACTIONS AND SETTING UP MOBILE BANKING. THESE REQUIREMENTS WERE COMPLETED ON XX/XX/2018. TERMS STATE WITHIN 90 DAYS OF COMPLETION BONUS WILL BE CREDITED. 123 DAYS LATER AND NO ONE AT CITI OR XXXX XXXX  CAN FIND THE MILES. MY HUSBAND COMPLETED THE SAME ACCOUNT AND BONUS AND RECEIVED HIS MILES. CALLED CITI 3 TIMES NOW AND NO ONE CAN EVEN FIND THE PROMO CODE OR GIVE ANSWERS. USED THE LINK DIRECTLY FROM THEIR WEBSITE TO OPEN THE ACCOUNT. MY XXXX XXXX  NUMBER IS XXXX IF FOR SOME REASON THEY CANT FIND IT. IN THE MIDST OF THIS THEY ARE CHARGING {$25.00} A MONTH TO MAINTAIN AN ACCOUNT IM NOT USING BECAUSE THEY CANT FIGURE OUT WHAT IS GOING ON.

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 2019-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I have consolidated direct federal student loans, which is serviced by XXXX XXXX. I am enrolled in the PSLF program, work for a qualified employer, and have several years of qualifying payments documented by XXXX. Last year in XX/XX/XXXX, I submitted a new PSLF employment certification form, and I was only credited with 5 payments, when I had in fact made 10 qualifying payments during that time period ( XX/XX/XXXX - XX/XX/XXXX ). I have direct debit set up for my account, so the payment is made every month and on time. I contacted XXXX XXXX XXXX in XX/XX/XXXX to have them look over the payment history again and to re-calculate the qualifying payments. I was told there was in fact a mistake on their part and they would submit a request for review - I was told this would take up to 60 days. 60 days later, in XX/XX/XXXX, I hadn't heard anything so I reached out again. I was told the request was never submitted, so I then asked to have the request " officially '' submitted. I received verbal confirmation on the call that it was submitted for review, and I should hear back in 60-90 days. 90 days passed, and I called in late XX/XX/XXXX, and I was told it would take 6 months for the review to be completed. I just recently called again on XX/XX/XXXX, and spoke to a representative named XXXX ( ID # XXXX ), and was now informed the process takes 12-15 months and I should check back in at that point. I am frustrated because the timeline keeps getting pushed back, and the experiences I have had thus far, indicate that when 15 months goes by, I will likely be told to wait longer. It's a simple review of my payment history, since I have auto-pay set up for the student loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: TX

Complaint narrative:
file with the fcra violation ftc violation reporting error defamation of character

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 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied for the American Express Platinum Card brand on XX/XX/2018 via a friend referral from XX/XX/2018. I was approved for the card under promotions conditions offering XXXX membership rewards after spending {$5000.00} in purchases in the first three months of card membership ( see attached email of XX/XX/18 ). Additionally, after becoming a Platinum Card member, I referred a friend with the understanding that I would receive XXXX Membership Rewards points once the referred member received his card. To my knowledge, the member I referred used the appropriate link I sent him ( see attached ) and has been furnished with the American Express Platinum Card.  To date, there are XXXX promotional Membership Rewards not awarded to my account as offered by American Express. I have spoken to many representatives at American Express in past three ( 3 ) months, many of which have been unaccommodating, condescending and blatantly rude with respect to resolving these matters amicably. I write for guidance as to any action that might be available to me at this time. Notwithstanding the lack of consumer resources offered by American Express, after paying an annual membership fee of {$550.00}, I believe that I have been duped. There certainly may be other consumers that may share this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Ditech Financial LLC
State: TX

Complaint narrative:
file with the fcra violation ftc violation reporting error defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
{$59000.00} mortgage, payment with no taxes {$440.00}, income {$400.00} average per week after tax, interest % XXXX Wells Fargo Bank

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 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 I cancelled my auto insurance policy with XXXX XXXX. I understand I owe XXXX the amount of : {$44.00}. On XX/XX/2019, I received a letter from Credit Collection Services stating I owe XXXX {$210.00}. On XX/XX/2019 I called XXXX, spoke to XXXX at XXXX who confirmed that the only outstanding balance with XXXX was : $ XXXX XXXX conducted a search which went back 10 years. I do not appreciate this XXXX XXXX calling me daily, every other hour, and reporting this false information to all 3 major Credit Reporting Agencies. I would like to request an investigation, and to have this removed from all 3 Credit Reporting Agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: IN

Complaint narrative:
Servicer continuously calls my grandmother who is not on the loan. She has received 8 calls alone just this morning. I have asked them several times to stop calling her because she is not on the loan. They refuse to stop.

I have notified them several times that they are getting a check for the full pay off amount and should be getting it sometime tomorrow or this week. Theyd said the calls would stop and theyd note the account. Calls have only once increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
i went to my bank and borrowed money to pay off a credit card from synchrony bank i have two cards through them called on one card because i believe i over paid so they sent me a check back from the other XXXX with the wrong amount XXXX $ wrong amount. this card was paid off and now i still owe, and have not cashed the check they sent me, but they still increased the account to the full amount plus the 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 2019-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I opened a Bank account with BB & T ( XX/XX/2016 ) Account number ending in XXXX, this was a student Banking account. This account was then closed on ( XX/XX/2016 ). I received the letter stating that the bank decided to close the account due to the information found on my XXXX XXXX report. 

I was a victim of identity theft and Made the indication to the bank for the information found on the report and requested for my information to be reviewed. They have reported these accounts to XXXX XXXX and they remain on my record. I have notified the bank and requested that they remove the information from my records and they have not done so. 

There is no current information listed on my XXXX XXXX indicating any reason as to why my accounts should have been closed. This matter is affecting my ability to bank with any banker and is putting a hindrance on my financial ability to bank.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: AZ

Complaint narrative:
I attempted to apply as a driver for the XXXX app XXXX on Thursday, XX/XX/XXXX. I consented to a routine background check that was to be conducted by the company Checkr. 
I received three emails on the XXXX from Checkr, which contained documents including a summary of my background check, fcra summary of rights, and several state laws pertaining to the legal handling of background checks. 
Upon the receipt of these summaries, I noticed an error in the reporting of my current address and license. My address was listed with an XXXX  zip code, where I have lived previously. My address since XX/XX/XXXX has been in XXXX. My license was listed as expired ; I was issued an XXXX  license in XXXX that is not set to expire until XXXX. 

I sent an email with the subject line 'Incorrect Background Check ' to XXXX on XX/XX/XXXX to detail the error on my background report and to request an update to my summary. I did not receive a response about this e-mail. 

I received an email with the subject line 'Post-adverse action notice - XXXX ' from XXXX on XX/XX/XXXX which contained this message : Mon XXXX XX/XX/XXXX Personal & Confidential Dear [ my name ] We are writing to inform you that we are declining your request for an engagement. Checkr, Inc., a consumer reporting agency, provided the Company with a consumer report in connection with your proposal to enter an independent contractor relationship. The Companys decision to deny your proposal was based in whole or in part on information contained in that consumer report and an individualized assessment of any additional information that you provided us. 

The Company considered these specific items when declining your request for an engagement : LICENSE STATUS : EXPIRED Checkr , Inc. is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX and can be reached at XXXX or https : //checkr.com/applicant. Checkr, Inc. did not make the decision to take this action and can not provide you with information about the Companys decision. Any inquiries regarding that decision should be directed to the undersigned. You, nevertheless, have a right to contact Checkr, Inc. to dispute any information in the consumer report that you believe to be inaccurate or incomplete. You should already have received a copy of the consumer report, but have a right to obtain additional free copies from Checkr, Inc. You have 60 days from the date you receive this notice to request additional free copies of any such reports from Checkr , Inc. 

Thank you for your interest in the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Credit Karma, LLC
State: CA

Complaint narrative:
Hello, I recently checked my credit score through credit karma and saw that I had a hard inquiry from XXXX XXXX  airlines/entertainment for XX/XX/XXXX of 2019. I have never applied for a credit card through XXXX XXXX until XX/XX//2019. ( which does show up on my credit karma score ) I have tried numerous times to get ahold of XXXX XXXX and I keep getting redirected to someone else. Ive called XXXX XXXX  and get redirected to credit karma. This mistake is affecting my credit score that Ive been working very hard to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: VA

Complaint narrative:
XXXX XXXX attempts to contact me regarding a debt that has been paid off already I spoke to sprint and they have notified XXXX XXXX that they do not have collection authority. I have proof that the debt has been paid already. I would like XXXX XXXX  removed from my credit report and all attempts to collect this debt to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I was covered under XXXX  XXXX back in XXXX for my pregnancy and all my visits and scans were covered. i had a high risk pregnancy for the entire 9 months. i lived in the hospital trying to save my baby. My daughter was born XX/XX/XXXX and the insurance was terminated effective XX/XX/XXXX. Now in XXXX i have these bills in my credit report for the delivery and in my husband credit report as well. This issue has affected us tremendously. I contacted all 3 credit bureaus and provided proof of insurance and eligibility and had the accounts DELETED and slowly they come back again. I contacted the reporting agency and are constantly reselling the accounts. This is FRAUD. I'm trying to buy a house and this is blocking my family blessings. You must delete this from my record. I work too hard and pay taxes and INSURANCE for this mess. I HAVE COPIES OF ALL MY CREDIT REPORT FROM XXXX AND THESE ACCOUNTS HAVE BEEN RESOLD OVER AND OVER.

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 2019-03-05 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: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
On XX/XX/2018 I made my mortgage payment ( I enclose a copy of the picture taken to the screen of the computer that shows the payment was made ). 
PennyMac did not accepted the payment and the money was not taken from the paying istitution. 
I called to investigate what was the problem. The lender told me that my bank had denied the payment, WRONG! ( I enclose copy of the bank statement that shows we had enogh funds ). 
I called my lender to request them to remove the report of delayed payment. They have not done it, and this is affecting my financial and personal matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 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: EdFinancial Services
State: MA

Complaint narrative:
I did my taxes with XXXX XXXX a couple weeks ago, around XX/XX/XXXX, and they gave me the option to check my credit score. Once I did, I found that there was a credit card opened in my name in XX/XX/XXXX and a school loan opened in XX/XX/XXXX. None of these are mine. I am XXXX and in XXXX i would have been XXXX  so there's no way I opened that card and i-I 've never applied for a school loan. They are still using the card because I see it being updated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am disputing the charge of {$42.00} interest made to my account on XX/XX/XXXX, leaving my account with a balance of {$42.00} due on XX/XX/XXXX. I paid my entire balance of {$2800.00} on XX/XX/XXXX, leaving a balance of {$0.00}. Imagine my surprise on XX/XX/XXXX, when I checked my account to find that even after I had already paid my entire balance as it was shown on my bill due XX/XX/XXXX to find that even though I had paid my full balance as shown on the bill, that I now owe more money? 
I called customer service as Capital One does not give customers the capability to dispute finance charges online as it does with disputed charges or purchases. I was then told that because I did not pay off my full balance for two ( 2 ) consecutive months that I was charged for interest in arrears for the month of XX/XX/XXXX and that is why I still owed {$42.00}. 
This is an unfair charge and should be removed from my account without further delay. It is unfair because there is no amount on the face of the bill which states : Note, if you have not paid your total account off last month, you will owe {$42.00} in interest in addition for the prior month to the charges shown. Also, if this is the case, {$42.00} should have been added into the balance to be paid in full and I would have paid it as part of the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SecurityNational Mortgage Company
State: TX

Complaint narrative:
Because of multiple errors on the part of my mortgage escrow account, I have asked that the mortgage company let me out of my escrow account. This the the 3rd time I have made this request. Each time I make a request I am given a different excuse as to why this can't be accomplished. This year, I changed insurance companies, and notified them of this. They proceeded to pay BOTH insurance companies putting my escrow into a negative balance. Even though I contacted them immediately, they forced me to pay 2 mortgage payments of almost {$200.00} more than my previous payments. I have no idea where the extra money went, but it doesn't appear to be in my escrow account. Here are the excuses that have been given to me by my mortgage company.

1. I had one late payment in the first year. This is true, because I misunderstood how long I had to pay after the due date of the 1st.

2. I was told I did not have a conventional loan. After looking into this, I found that I DID HAVE a conventional loan.

3. I was then told that the investors did not allow me to pay my own insurance & taxes.

I had an attorney look into my paperwork and I have contacted the company that did the closing for me and they both agree that # 2 excuse & # 3 excuse are nor valid. No where in my mortgage contract does it state that I have anything other than a CONVENTIONAL LOAN, not does it state that the investor does not allow me to pay my own insurance & taxes.

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