vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian added my grandmother 's address to my credit report and removed my XXXX XXXX account which deleted my XXXX credit score completely. Now I have no credit score at all.

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 2019-05-31 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: IN

Complaint narrative:
I bought my car for {$15000.00} from XXXX with a loan from XXXX XXXX, XX/XX/XXXX. I made payments on time until XX/XX/XXXX, when my car was stolen. I was not aware that I was to be responsible for payments until my insurance paid out. I spoke with XXXX XXXX multiple times over the course of 4 months and not one time was I advised to make a payment nor was I advised my account was nearing " charge-off '' status. I never received any sort of communication from XXXX until after my account had been " charged off '' which was after my insurance had made their pay out and i had an insurance deficiency balance of {$630.00}. I never had any intention of dodging payments made to them, I simply did not know how much money I owed them nor did they communicate the fact that I needed to make a payment when I talked to them. There was one point, I called to get information on the remaining balance after insurance would pay out. I was told there would be a $ XXXX balance, which XXXX and refunded warranties still hadn't paid out ; however, I was not told that my account was being charged off nor was I told I needed to make a payment. On XX/XX/XXXX, 2 weeks after receiving the notice of deficiency balance, I made a payment of {$150.00}. This was when I discovered the account had been charged off, so I called to ask about it. The call center associate, XXXX, was rude and spoke to me like I was XXXX, she acted like she didn't care about my situation and refused to transfer me to a manager. I hung up and called back, this time I was connected to a manager. As I explained the situation, I also explained that it is not good business practice to not communicate with your customers when they are going through such a confusing process such as a claims process. He didn't show any compassion or care whatsoever about what I was saying.

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 2019-05-31 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: GA

Complaint narrative:
I'm a fraud and Someone filed for a bankrupt in my name. The address that they use to file the bankruptcy isn't even reporting on my credit report and Experian still won't delete the the item.

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 2019-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XX/XX/2019 Statement I notice it said " Promotional Balance : {$530.00} no interest for 6 months.pmt req. I called Home Depot Customer Service and told them I didn't ask for or gave permission for the to put this offer onto my account and I want it off now. 
The supervisor XXXX stated " It's deferring the payments for 6 months, if you pay the balance in 6 months you pay not interest for purchases up and over {$290.00}. But if you don't pay within 6 months the add all the interest at the end of the 6 months and it all the same thing. I told her I rather have the interest included in my monthly payment and I didn't and don't want this Promotional Offer. She stated their is nothing they can do. Use another card if I don't want this option. 

Home Depot has and " Deferred Interest Promotional Offer '', they automatically put on your credit card without your permission. If you spend {$290.00} and over the interest deferred for 6 months. if you don't pay within 6 months they throw all that interest into your credit card payment at one time. I didn't ask for this offer I don't want this offer and I want it removed from my credit card 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 2019-05-31 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: AAS Debt Recovery, Inc.
State: MD

Complaint narrative:
I've FULLY PAID an account off of my credit with AAS Debt Recovery and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: MD

Complaint narrative:
I've FULLY PAID an account off of my credit with XXXX XXXX XXXX and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: IL

Complaint narrative:
I consolidated my subsidized loans in XX/XX/XXXX and began payments in XXXX or XX/XX/XXXX. I immediately enrolled in an Income Based Repayment Plan and have stayed in the IBR plan ever since. I submitted Employer Verification Forms for each employer demonstrating I worked at non-profit 503cb. XX/XX/XXXX I was notified that 25 of my payments did not count, even though I was in the same repayment plan and working at 503cb companies. FedLoan processing told me they had 12 months to conduct a manual review. I've called a few times to check in during the past year. Today when I called FedLoan and spoke to a customer service agent, I was told that FedLoan has no timeline and can not tell me when my employer certification forms/payments will be reviewed. They also can not tell me why those payments do not count towards my 120 payments in Public Service Loan Forgiveness program. I understand that my 120 payments won't be done until XX/XX/XXXX but I'm upset FedLoan originally told me a year to review and now is telling there's no timeline and no requirement that they correctly service my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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 2019-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I received a letter in XX/XX/XXXX from Central Portfolio Control for a debt owned by XXXX XXXX XXXX. I asked for proof of the debt, the original owner, proof that the debt was transferred to a new owner. They provided a response in XX/XX/XXXX stating that I owe for an online payday loan taken out from a XXXX XXXX tribe. This loan is illegal in my state and it is also illegal for a new non-tribal owner to attempt to collect it. They are continuing to attempt to collect the alleged debt for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was notified of a credit change due to a debt collector placing 2 derogatory marks in the amount of {$250.00} on my credit report. Upon review, I determined that IC System based in Minnesota was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in XXXX TX. Previous to the credit report change, I had never received any type of communication from either IC System or XXXX XXXX regarding my past due amount. On XX/XX/XXXX, I spoke with both companies and resolved the issue, finding out that the 2 marks were for the same overdue invoice from XX/XX/XXXX and that I only owed {$120.00}, however, I was required to pay {$250.00} to clear my account with IC System. I paid the overdue amount promptly, and on XX/XX/XXXX both derogatory marks were removed from my credit report on XX/XX/XXXX. I was refunded the overage amount of {$120.00} that IC System had charged me on XX/XX/XXXX. On XX/XX/XXXX, a new derogatory mark in the amount of {$110.00} was placed on my credit report by IC System. I called IC System but they could not explain why a new mark had been placed on my report and that I would have to take that up with the credit reporting agency. The credit reporting agency for all of this activity is 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 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On the Wells Fargo bank phone app, I accidentally used my credit card to pay for the same credit card. I don't have exact dates and amounts due to online statements. ( They later closed my accounts preventing me from defending myself in court ). But it was XX/XX/2017 this occurred. I can't believe the app allowed that. It doubled what I owed on my card to about $ 4000They refused to correct it. 

Then due to to loss of job and XXXX  XXXX I couldn't pay the minimum they wanted. They again refused to work with me. 

The they closed my card and bank accounts and got a court order to make me pay over {$7000.00} in remaining balance, fees and court costs.

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 2019-05-31 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: PR

Complaint narrative:
I called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. 

Today, XX/XX/2019 I called to Transunion and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.

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 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have had a Citibank Citicard for 35 years. Member since 1984. 
The Bank recently closed my card due to inactivity. I received a letter a week after the closing letting me know. I called the Bank to have them reopen the card. Instead of reopening the card only a week closed they wanted to go through an entire application process to review if I still qualify for the card ( that I had for 35 years with a great credit history on the card ). As a 35 year customer I did not appreciate being treated like a new customer. I was willing to update my information but not have it used as a credit check for a card that was good 1 week ago but now needed to be reapproved. 
I chatted on line, spoke to customer service and a card manager and while they sympathized with me there was nothing they could do without the application questions. 


There was no notice ahead of time about the closing. They stated it was system automated. Although I have worked in banks for over 20 years and the card systems generate a report of cards about to be closed. In the banks I worked with we reviewed these reports to see if there were any good/long term customers that we wanted to notify ahead of time. 

I thought that this is a ridiculous practice to go through a whole new approval process ( after only a week ) when the card was good for 35 years. The Bank didn't care about my updated information as long as I was using the card and paying there interest and fees. 

I would like the card reopened without all the hassle. Just reopen it. It was good a week ago.

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 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I noticed Fair Collection And Outsourcing ( A debt collector ) listed on my Credit Report who is attempting to collect on a debt that is the subject of pending litigation in XXXX XXXX Case # XXXX with the original creditor. I am writing this complaint because this company simply inserted this on my Credit Report without giving me any notice or any information. This is a violation of the Fair Credit Reporting Act FDCPA. I am also requesting that this company not call me and to communicate by mail only. This debt is inaccurate and can not be verified because the information provided by the orignal creditor is false.

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After no less than 3 separate contacts and sending all requested identification information the credit bureaus have maliciously refused to remove a lock from my credit file that I never requested. This is a blatant violation of my consumer rights ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec OfficXXXX ) to resolve all other customer cases. 

Today, XXXX XXXX, 2019 I called to XXXX and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XXXX XXXX, 2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. 

Today, XX/XX/2019 I called to XXXX and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.

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 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have been charged twice now by automatic payments for a car loan on a XXXX XXXX XXXX. XXXX XXXX XXXX found no error but I just received my 2nd returned check fee for another unauthorized payment dated XX/XX/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 2019-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received 0 % cash advance offer on XX/XX/2018 which I took $ XXXX cash advance offer on XX/XX/18 but the 0 % interest promotion didnt apply to my account and Bank of America was charging me 21.49 % interest payments. I called couple of time to Bank of America to find out and they gave me different reasons every time I called ; 1. They told me this promotion need to be cashed by XX/XX/2018 when I received this promotion letter on XX/XX/2018. I asked for copy of cancelled check and the check had Deposit or cash by XX/XX/18 printed on the check. After the verification, BOA isnt bring up this reason anymore which took 2 month to figure out. 
2. BOA told me this promotion wont apply if I cashed to my own account, I used to do this type of cash advance many times and this was the 1st time I heard anything like that. I asked for copy of promotional letter that was send me on XX/XX/2018 and BOA sent me the copy of that promotional letter and it has that clause, but I dont think this is the same promotion letter that I received on XX/XX/2018. Because it has different bank account number from cancelled check vs. copy of promotion letter check copy. 
I dont want to call BOA anymore about this issue and I would like to submit formal complaint to find out current information. Can you please help to verify the promotion detail w/ BOA? 

Thank you,

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 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Please note letter to Wells Fargo employee in XXXX, SD on a XX/XX/19 request to curtail WF overnighting XXXX notifications that are meaningless. Letter to XXXX states the obvious that WF is  continuing to lie as there never was any phone call to my person by his boss not to employ their people for customer service or even enter their bank due to their fraudulent acts. This shows WF 's lack of interest in real customer service and is evidence of their deception and lies. Please note enclosed letter as evidence.

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