vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I called credit acceptance because I noticed the last bit of my payment didn't come off on the XXXX like it usually does. I didn't think much of it at the time, thinking it would charge me the next day. Not until I checked my credit report and noticed I dropped 56 points. The company had marked my XXXX payment as 30 days late when not even a day has passed. I called on the XXXX and was not even able to get an answer to how this happen. They just wanted me to pay what was due which was XXXX and some change. The first gentleman didn't even try to listen to me stating my payment was XXXX, and once I paid this off the account would be closed. I finally got to send a dispute on behalf after questioning it several times. I had questions on how this can happen, and he absolutely refused to help me what so ever. Just trying to get me to pay despite my understanding it should have been taken out of my account already. I finally went to pay over phone and there was a fee attach to pay over the phone. So not only did they drop my credit score for a payment that was never late, but they wanted me to spend extra to pay what was left. I called to get a person again, and once more had trouble getting any help. The woman stated my auto pay was canceled and said I must have canceled it. Which is not true. When it was set up I was told it would go until I didn't owe anymore. Again it was hard to get any answers out of her. When I asked about me getting marked late she said I've been late on my payment which is not true. I had one late in XX/XX/2016 which I quickly cleared up. In almost 3 years I've been on top of payments and not once was I ever told I was behind. She remarked saying I rarely called and I let her know I didn't have a reason to call. My payments came out on time with no worries all 3 years. Honestly I'm extremely frustrated because I've been working so hard to get my credit up, and at the whim of this company they decided to mark me late for no reason. Then when I try to get an answer I get no help just saying to pay the rest to close the account. Then the real kicker is make me pay a small fee to pay off the rest of my account. The money isn't the issue here. It '' s the fact that the customer service was utterly lacking and has an impact on my credit score. If I try to finance a car again, and it had to be with this company again. I'll just take an uber until I can pay the car off fully in cash. 

P.s I'm adding screenshots to show how I've been on time for 3 years. How this has affected my credit score. Proof that I paid the remaining amount off. I dont have my bank statements included because I'm not sure if you wish to dig thru 3 years of bank statements, but I will be happy to provide that if it comes down to it.

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX CO IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.

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 2019-10-16 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: IN

Complaint narrative:
LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX/XXXX XXXX IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT FILE. THOSE ACCOUNTS ARE UNAUTHORIZED AND WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS AND INQUIRIES OFF MY 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 2019-10-16 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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT FILE. THOSE ACCOUNTS ARE UNAUTHORIZED AND WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS AND INQUIRIES OFF MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: AL

Complaint narrative:
I have asked them to remove this account off of my crimes it. I still have an active account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE WRITTEN TO THIS UN KNOWN CREDITOR, AND ALL 3 CREDIT BUREAU 'S INCLUDING FILING WITH FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
I HAVE WRITTEN TO THIS UN KNOWN CREDITOR, AND ALL 3 CREDIT BUREAU 'S INCLUDING FILING WITH FTC

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
There was an account opened under my name some time in 2017, the original creditor was XXXX XXXX XXXX, it has now turned into a collection agency with a company named I.Q Data Internatio XXXX XXXX   XXXX, XXXX, WA XXXX. I have tried disputing this information with XXXX, i have filed an identity theft report, filed multiple disputes on this collection account. And they still won't remove it from my credit report. I even tried calling the collection agency my self, and they were nasty rude people, they did not care about anything else but their money, even when i told them that it wasnt my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have had multiple credit cards, bank accounts and even a mortgage in my name. I am now buying a new house and my lender is unable to get a credit report from Equifax. I called Equifax and the incompetent service rep says there is no record of my social security number and that I have to send in a bunch of information so they can open a credit report file in my name. I explained that I have a credit report file already as it was pulled a year ago by XXXX XXXX and I have multiple credit cards, bank accounts and even a mortgage. The service reps were unhelpful and have sent me on a wild goose chase  which is now endangering my chances of purchasing my new home! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I presented a Lost Check Bond to the bank, as they refused to issue a new cashiers check to replace a check that was lost. They said I could not have the check replaced without this bond. After waiting days the bank never contacted the maker or myself about the new check that was to be issued. He, the maker, waited for 2 hours in the bank and was told to " go home ''. 2 days later we found the check. 

We contacted the bank to get our " original bond documents '' back, a pretty simple task just put them in the mail, and they have refused to return calls or return the bond. 

Lost Cashiers check # XXXX Contact at the Bank of America : XXXX XXXX : Phone Number XXXX Bank of America XXXX XXXX XXXX XXXX XXXX, FL 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 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
These people are refusing to let me set up payment and threatening me to put this on my credit report even though I am trying to Pay!! My wife accidentally bounced their payment and they tried it again on a non pay week without contacting us to even see what happened then said they could only take a card on XX/XX/19 then on XX/XX/19 they can't make an arrangement and can only take the card the day of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  ****XXXX* not mine XXXX ****XXXX* never late XXXX XXXX ****XXXX {$94.00} not mine XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX XXXX ****XXXX {$280.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
on XX/XX/2019 my mom sent me {$200.00} to my cash app which is " XXXX XXXX '', the phone that that my cash app was downloaded to is no longer in service and when i tried to log back into my account with my new phone it sent a confirmation number to my " old '' phone number which is NO longer in service, this caused me to create a new account using the same email address as my old account, my new account is " XXXX XXXX '', when i logged into my new account my bank account information was already saved, but i could not see the {$200.00} because it is SOMEHOW stuck in my old cash app account. I have contacted customer support countless times and i received a email on XX/XX/2019 stating that all i had to do was send them my old account info along with my new account info and they would merge my cash app accounts leading me to retrieve my funds of {$200.00}, and they have yet to do so, Im making a complaint because their options for customer support are poor. I do not feel like they are going to get me my money base on reviews ive seen, please help me resolve this issue, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had already paid this Kohl 's account and they are still reporting it on my credit report but they keep updating it and it is hurting my credit. Even the date of late payment is different across each credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover asked me for my information to do some verification. After giving me another hard credit pull, they just closed my accounts without reason. It hurts my credit score and history badly. I had only <5 % utilization with them. Always paid in full and on time. Called them and asked if I could provide additional information such as pay stubs, the agent told me they couldn't accept anything, and that's their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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:
I HAVE FILED WITH FTC, i HAVE WRIITEN ALL THREE CREDIT BUREAUS I HAVE PLEADED WITH LENDER, THIS IS PREVENTING ME FROM BUYING A HOME..

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 2019-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One XXXX XXXX  XXXX XXXX VA XXXX has reported inaccurate information on account ending XXXX. The account was compromised due to fraud, a claim was filed claim # XXXX. This claim was found to be in my favor. There was a credit of XXXX credited to my account. Capital One is still reporting this derogatory information to my XXXX report. At the current moment the account ending in XXXX is currently open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I HAVE FILED WITH FTC, I HAVE WRITTEN THE XXXX   SEVERAL TIMES, I HAVE REACHED OUT TO MACY 'S AT LEAST 6 TIMES ... ..

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 2019-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
***On XX/XX/XXXX we closed on our home with XXXX XXXX XXXX with our closing statment/HUD having a monthly payment of XXXX ***In XXXX I received a letter that Lakeview Loanservicing had bought the loan, our first payment was due XX/XX/XXXX in the amount of XXXX and change. 

***On XX/XX/XXXX my mortgage cleared for XXXX ***on XX/XX/XXXX my mortgage cleared for XXXX ***On XX/XX/XXXX I received a letter that my mortgage was passed due on a companies letterhead I had never heard of. I called and spoke with them, was told they own Lake view and my mortgage was never XXXX is is XXXX. After an hour on the phone I was told that they found the error, it was on their end. Everything would be fixed on XX/XX/XXXX. 

***On that following Monday I was called at work and told that I was past due on my morgage. Again took approximately 30 min she found the issue, said until XX/XX/XXXX I will get daily robocalls that my mortgage is past due. I told that Can not happen as I am at work everyday. 

***The calls stopped until XX/XX/XXXX, wherein I was told that my mortgage was past due as they applied my payment to my escrow account. I asked why, she said she had no idea. Placed me on hold after 30 minutes I was disconnected and was unable to call back. 

**At this point I don't know what to do, while I have never missed a payment or paid short, they continue to harass me with a different issue each month

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 2019-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The payment for this loan is {$78.00}, in XXXX of 2015, I elected to pay more on the loan in a payment of {$86.00} ( {$8.00} extra ). Now, when navient sends my paper bill, the paper bill specifically says the payment due is {$86.00}. This is misleading, the payment is {$78.00}. navient 's website, when logged in, also has confusing information about choosing how overpayments are processed. The terminology, " allocation direction '', not used by other traditional lending institutions, is ambiguous. And, if one tries to edit/change the " direction '', the explanations are also ambiguous. No other financial institution uses this terminology or offers 7 choices ( 3 of which are in favor of the financial institution ) for options of applying an overpayment. It's obvious that navient purports to offer many choices while in fact selecting some of those choices will in fact benefit them. Traditionally, and with any other lender, an overpayment is either A : applied to the principal or B : applied to the interest ; period. For example on the XXXX, website, one can choose how much to pay ( which is displayed ) and to which loans XXXX which is displayed ) ; it's not ambiguous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: CO

Complaint narrative:
Loancare took over my mortgage in XXXX. They misappropriated funds from the past mortgage company and said I was in default. I called them 7 times over a 2 month period to get this corrected. They finally fixed my account but still filed a report and said I was in default. They also charged me late fees and never credited my account for those fees.

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