vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 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: TX

Complaint narrative:
There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.

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 2019-10-18 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: TX

Complaint narrative:
There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: TX

Complaint narrative:
There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: FL

Complaint narrative:
I received a vm from total visa stating i was behind on payments. After logging in to my account i found out i was behind. Total visa failed to provide me with a bill or any statement since febuary 2019. When i called to ask why i didnt receive a statement by mail or email. I was informed my account was suspended. When i asked why they said bc my mail was returned. So i asked why they didnt contact me and i wasnt given an adequate response. My next question was if my account is suspended how am i being charged an annual fee? Response : thats just how it works youre suppose to keep up with your own bills. Ok ... why wasnt i informed by mail, email, or call. I cant pay a bill youre not sending me statements for. So on top of the annual fee i was charged a late fee and interest on that late fee. I payed the annual fee but told them i should not be responsible for any other fees occurred bc of their failure to provide me with a statement or bill. I was told it would be sent for review to have charges removed. Never heard anything from them. Im still racking up interest on the remaining balance and they refuse to help. Ive since requested my account to be closed bc i made the payment and its not closed. The is unacceptable business practice. Ive only used this card once and every payment has been on time, except when they decided to not inform me of charges occurred. After speaking with them i still have yet to receive anything by mail. My address is the same it never changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB CARD has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A LOAN WAS OPENED IN MY NAME AROUND XX/XX/2019 FOR {$20000.00}. 

ACCOUNT NUMBER XXXX I FIRST OUT ABOUT THE FRAUD AROUND XX/XX/2019 AND PROCEEDED TO FILE A REPORT WITH THE FTC FOR IDENTITY THEFT. 

I MAILED A DISPUTE LETTER TO XXXX XXXX ON XX/XX/XXXX REQUESTING TO CLOSE THE UNAUTHORIZED ACCOUNT AND TO TAKE STEPS TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE. I PROVIDED A COPY OF THE IDENTITY THEFT REPORT, PROOF OF IDENTITY AND A NOTICE TO FURNISHERS OF INFORMATION. 

THIS WAS SENT BY CERTIFIED MAIL, TRACKING NUMBER XXXX AND RECEIVED XX/XX/2019. TO DATE THERE HAS BEEN NO RESPONSE FROM XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account has been re-aged and clearly there is no proper investigation as to what really happened here. The date is way back XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I currently have an auto loan with a co-signer that began in XX/XX/XXXX. On XX/XX/XXXX I  brought my vehicle to XXXX to trade in for a different vehicle. They requested a credit report for financing with XXXX XXXX XXXX XXXX. However, Equifax responded that there was a discrepency in my SSN and what was on my report. I was to call Equifax to get information. I have attempted this several times over the past week, and spoken with different people there with no resolve. They refuse to tell me what information is on it or anything. The last man that I spoke with was very rude and insisted that there is no one else that I can speak with about this matter. 
Also, in XX/XX/XXXX I recieved a letter of credit denial from XXXX XXXX credit services stating they could not verify my identity information with XXXX. 
I submitted requests for credit reports from all three bureaus last XX/XX/XXXX. Not one of those were able fulfill that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This account has been re-aged and clearly there is no proper investigation as to what really happened here. The date is way back XX/XX/XXXX and XX/XX/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 2019-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My student loans through Navient keep getting put in " Administrative Forebearance '' and interest keeps compounding. I have been paying these loans for close to 20 years which included wiping out a XXXX 4O1K retirement account to keep up on these loans. It caused a bankruptcy as well. Now I have the means to pay them off but the Forebearance interest is lowering my credit score monthly as that loan, I can not make payments on. I have tried to negotiate a settlement with Navient and was told by them that while they are being sued, they can not settle any loans. So now I am stuck with a loan that has compounding interest that I can't make payments on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have tried multiple times to withdraw funds from my coinbase wallet but transactions keep getting stuck in pending. 

XX/XX/XXXX - Tried to withdraw XXXX Link but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX ZRX but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX Link but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX XXXX but transaction is stuck in pending I have contacted Coinbase support through multiple channels including telephone, several e-mail addresses and XXXX but have received no adequate response or any assistance what so ever with my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: CA

Complaint narrative:
On XX/XX/2019, I noticed fraudulent activity on one of my XXXX credit card accounts. I filed a dispute with XXXX and they were able to resolve the issue. Because I was a victim of identity theft, I filed an Identity Theft Report with the FTC noting fraudulent activity on my credit card account. As a victim of identity theft, I am entitled to place an extended fraud alert on my credit report and send in the required documentation to Transunion to do so. Upon sending my request in to Transunion for an extended fraud alert, Transunion, on their own accord, without asking me, sent a dispute investigation for fraud to XXXX. Because of the dispute investigation sent to XXXX, XXXX automatically closed my entire credit card account. XXXX stated that they closed the account because the dispute investigation sent by Transunion stated that it was a fraudulent account. This is not the case. The identity theft report that I filed and the personal statement on the report clearly states that I experienced fraudulent activity on my account, not that the entire account was fraudulent. XXXX will not reinstate the account unless Transunion retracts the fraud dispute investigation. Transunion is stating that they can not retract the fraud dispute investigation and that XXXX has the ability to re-report the account on my credit report. It seems that Transunion made an error by sending a dispute investigation to XXXX without my permission and without due cause. If you review the personal statement on my identity theft report, it clearly states that I was reporting fraudulent activity on my account, not that the account in itself was fraudulent. Now I am stuck in the middle with both agencies ( XXXX and Transunion ) saying that they can not do anything further. Re-opening the account is of importance to me because the account that was closed has over 262,000 rewards points attached to it. Since the account was closed without any notice to me, I have essentially lost XXXX reward points and can not reclaim the points unless the account is re-opened. Further, the account has been open since XX/XX/XXXX and paid in full each month. If the entire account was fraudulent, I would have reported it as so much earlier and I would not have paid off any of the balances on this account.

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 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I got a {$1000.00} line of credit through Synchrony Bank Care Credit for Dental work in XXXX of 2018. I have made {$770.00} to date in payments to Synchrony Bank yet my balance is above the original {$1000.00} amount that I used one time in XX/XX/2018. They say I still owe {$1100.00}. How is this legal? I though charging 100 % in interest and fees was illegal?

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 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX reported balance to collection agency on XX/XX/XXXX. I received letter XX/XX/XXXX from On Line Information Services I called disputed the charges. They called me back with itemized list of charges, I contacted XXXX XXXX explained that why I cancelled my service and that their saleperson sold me a plan that wouldn't work with the previous antenna I purchased from them and that they scheduled a technician to come install and at that time the technician explained the error of the saleperson. The office manager I spoke with told me she would look into it and get back to me. I received no other communication from XXXX XXXX then on XX/XX/XXXX I received letter from XXXX that my dispute had been updated to report paid in full. Several months went by then Online Information Service contacted me again I didn't get the persons name but she spoke to her supervisor he advised I mail a copy of the XXXX  report to them and they would resolve the account. Today XX/XX/XXXX I receive a phone call from Online information service wanting me to make a payment over the phone for the outstanding balance. I explained the details of what has happened and the papers I sent and she stated I need to pay I refused. I told them I was reporting the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX I called opploans on tuesday on the XX/XX/XXXX to schedule a partial payment of XXXX dollars for my loan. And when i checked my bank account online they charged me twice the full amount of the minimum and the partial payment. I have other bill payments scheduled today and their negligence will cause my bank to overdraft and my insurance company will cancel my insurance for returned payment. The only thing I want to happen is for them to put my money back to my card. My bills can not wait 1 week and they adviced me to wait one week for the refund. I need your assistance regarding this matter. Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have advised the debt collector Sequium Asset Solutions ( calling  on behalf of XXXX ) to stop calls to my work and cell number as they call repeatedly. Most recently on XX/XX/2019 they called my cell number at XXXX XXXX CST which I did not answer, and then again at XXXX XXXX CST. At XXXX I answered I told the representative I have told them multiple times to cease calls and that calling my cell number after I advise Do not Call is a violation of TCPA. She said she would update my account which can take 24 - 48 hours. ( All which I have heard before ). Then at XXXX XXXX CST ( Same day! ) I get another call. I told this representative that not only are they violating TCPA, but now they are violating FDCPA by attempting collections after already speaking with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was 2 months late due to hardship and this company repossessed my car before the grace period ended for the 3rd month. I never received any letters for warning. Afterwards I immediately I paid full amount due and they have help my car hostage for 2 weeks and now they dont answer any calls. 

Paid full amount due XX/XX/XXXX and today is XX/XX/19 they advise payment cleared but they wont release my car and the repo team wont answer calls. 

53 Bank 53bank.com

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Filed chapter XXXX to stop a second foreclosure. Paid {$550.00} a month to the trustee for 4 months. The plan was all in place. PHH refused to work with the Chapter XXXX plan so they dismissed my case. And my attorney took off so this did not help me in getting back in to court. What good is filing a chapter XXXX if PHH is not forced to work the plan. So now they want to foreclose on me again. I just received my final report from Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: KEYCORP
State: MS

Complaint narrative:
After securing a loan with Keybank, I am now in the repayment process. During the repayment process, Keybank uses all avenues to conract me - email, letters and now twice-a-day phone calls. To include calls before XXXX. I have discussed payment and yet calls continue. If payment is not timely multiple calls will not make the money materialize - especially if there is simply no money. I have requested twice to be placed on the Do Not Call List, but the calls continue. 
Keybank has also resorted to deceptively placing calls from numbers listed as " Toll Free ''. They also do not leave voicemail messages identifying themselves. ( Voicemail is available. ) A schedule of their calls follows. 

XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I currently have an auto loan with a co-signer that began in XX/XX/XXXX. On XXXX, XXXX I brought my vehicle to XXXX to trade in for a different vehicle. They requested a credit report for financing with XXXX XXXX XXXX XXXX. However, XXXX   responded that there was a discrepency in my SSN and what was on my report. I was to call XXXX  to get information. I have attempted this several times over the past week, and spoken with different people there with no resolve. They refuse to tell me what information is on it or anything. The last man that I spoke with was very rude and insisted that there is no one else that I can speak with about this matter. 
Also, in XX/XX/XXXX I recieved a letter of credit denial from XXXX XXXX credit services stating they could not verify my identity information with Experian. 
I submitted requests for credit reports from all three bureaus last XX/XX/XXXX. Not one of those were able fulfill that request.

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 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I have disputed with a collection agency by the name of Diversified Consultants stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I am  obligated to pay the amount {$390.00} which I do not. 

I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Diversified Consultants. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation