vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My husband and I got a mortgage from XXXX XXXX XXXX XXXX in XXXX Ohio. We applied for a 30 year fixed rate mortgage in the amount of XXXX back in XX/XX/2016 to consolidate some mounting debt. Our home was already paid for and had clean title. So all we wanted to do was get equity out of the home to do that. We were told that they don't offer fixed rate mortgages. We didn't know about fha loans at the time. So we were given a 30 year adjustable rate mortgage. Also we applied recently for a refinance through another lender to get a fixed rate mortgage, just to find out that XXXX XXXX XXXX XXXX isn't reporting the mortgage to all 3 credit bureaus. My husband can't get a credit card because he has no credit on Experian and we have been paying on our mortgage for 3 years now.

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 2020-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Reliant Capital Solutions, LLC
State: NJ

Complaint narrative:
in XXXX I went to enroll into RN school and i was told to apply for the load and if i receive the loan i would be able to sit for my boards and my record wouldnt be a problem. when i graduated i was not able to sit for my boards because of my record. I applied for a load discharge and was denied because i didnt prove i went to the school when that was not one of the legal requirements. now in XXXX im getting over {$400.00} 2x a week garnished from my pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have NEVER been late on paying GM financial- in fact Ive been paid ahead with XXXX balance for well over a year. They refuse to correct it! I will NEVER buy another GM product- we buy XXXX now. This is ridiculous to damage my credit like this and Ive been paid up AHEAD for over a year??!! These people are jerks and ruthless- they need to be investigated by the government! They kee reporting x1-30 day  late payments from XX/XX/XXXX & XX/XX/XXXX. One for each year. Ridiculous- scam so they can finance you later at higher rates - always begging you to buy or trade in on a new truck. What a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: NJ

Complaint narrative:
There is an account on my Experian Credit that belongs to my father. I and my father have the same name and some of his accounts are reporting on my personal credit. I talked to Experian representative and also send a mail stating that this account is my fathers but they ignored it and did not send me a full investigation on this account. I need this account to be removed asap. Account : XXXX XXXX XXXX   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 2020-03-07 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: FL

Complaint narrative:
Equifax is denying my rights under FCRA to file an online dispute, credit score and report. 

When I go online to their website to file a credit file dispute it denies me to file an online dispute. 

I am being disenfranchised as being refused my privilege to log into their website. 

All consumers expect me have the privilege to log into their website without any Red Tape.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is denying my rights under FCRA to file an online dispute, credit report and credit score. 

When I go online to their website to file a credit file dispute it denies me to file an online dispute. 

I am being disenfranchised as being refused my privilege to log into their website. 

All consumers expect me have the privilege to log into their website without any Red Tape.

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 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: AR

Complaint narrative:
DISCOVER FAILED TO EXTEND CREDIT LINE INCREASE AND HAS BLOCK ME FROM CLOSING MY ACCOUNT ON LINE, REVERSE ALL FEES ETC.AND IS REPORTING AUTHORIZED USERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA is not providing a way for consumers to close their credit card accounts. I tried unsuccessfully via their app, website, chat, secured message and via phone at XXXX. Even after calling on the phone, the phone representative told me she could not cancel the account and the team that could was unavailable. She would not provide me a direct number to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have stellar credit carrying 6 percent utilization and all my synchrony bank cards had 0 balances and were paid on time. Synchrony bank closed 4 of my accounts and stated high risk as the reason. No warning and no specific reasons

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was charged XXXX every month since XX/XX/XXXX without my consent by Experian for credit monitoring. I never inputted my credit card information to be charged monthly. I attempted to call customer services however I was never able to get through to a person for months to figure out how to cancel this membership. 

After finding a post on an online forum from another person who had a similar problem I was able to cancel my membership on XX/XX/XXXX for Experian IdentityWorks Premium. My premium membership ended on XX/XX/2020. 

I have contacted Experian and discussed how I never agreed to have credit monitoring and I wanted to be refunded for every charge since XX/XX/XXXX. This Includes XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They simply stated there was nothing they could do. They said if I didnt sign up for this then someone must have stolen my identity and signed me up for the monitoring service. No one stole my identity, I tried to tell them that Experian signed me up unknowingly and without my explicit consent. 

Experian did refund me for the month of XXXX. I am still looking to get refunded for the other 6 months totaling XXXX. 

I attempted to use my visa credit card services to reverse the charges however they stated " regulations governing credit card transactions allow member banks a number of weeks to assist you with any discrepancies on your account. When we received your letter, the time had elapsed for use to obtain credit to your 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 2020-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
Hi, I applied a payment of {$400.00} to my account on XX/XX/2020 and received an email stating that my payment was scheduled. On the same day ( according to a customer service representative named XXXX, who I talked with on XX/XX/2020 at XXXX XXXX ) they sent my account to a collection agency. I now have no recourse to have the account re-established. The lender in question is Heartland ECSI. This lender recently acquired my student loan account from another company and I did not receive information that this was the case prior to my account be absorbed. This is completely unacceptable behavior from a student loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX and XXXX XXXX. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX XXXX! 
I would also like to point out that on XX/XX/2019 - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FACTUAL DATA CORP.
State: WI

Complaint narrative:
Filed bankruptcy in 2016. 

XXXX XXXX XXXX is still reporting balance of {$120.00} XXXX XXXX XXXX is still reporting balance of {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: ME

Complaint narrative:
On or approximately XX/XX/XXXX I contacted Keybank because my debit card had been declined on a several recent attempts and upon my inquiring as to card issue, I was advised I should have received a letter stating they were closing my account. I have been using this account for over 15 years. Albeit I have has my share overdrafts, but I have paid the fees and brought my account current. I never received the letter which I was advised I should receive. On XX/XX/XXXX I received a letter from Keybank stating they had issued me a new debit card because the data of a company I had done business with was exposed and my account may have been compromised. The account number referenced on the letter was not my account number. On XX/XX/XXXX I called the customer service again to be put on lengthy hold, passed to another department which was never provided and again I was told my account was scheduled to be effective XX/XX/2020. During the time I was on the lengthy phone call I decided I should start printing my records ( statements ), within 10 minutes of completing the phone call I was locked out of my online banking access. I went to branch to request my money, but was advised they needed to check into the situation and didn't want me to close my account. I waited another day to hear the manager tell me he could not provide an explanation as to why, but that I was considered a risk to the bank. This is completely shocking ... I have been a banker for over 25 years and worked for Keybank for over 9 years, I am in no way a risk to the bank. Further, once I was told there was no alternative solution, but they were closing my account. I stopped in to withdraw my funds which had been on hold for over 14 days ... all of the deposits were electronic either my payroll or a direct deposit from an investment account. They would not let me take my money and in fact it took several additional days for me to determine they actually closed my account and were going to send me a check. This was very stressful as I had financial obligations and the funds were cleared. This was emotionally hurtful, bewildered and very stressful to my financial situation and honestly hold my money captive and determine when they would close the account and mail a check which then would need to be held with a new institution that would have no experience with me as a customer. 
I want a detailed explanation as to why I would be a risk to the bank with my meager funds and years of history, nothing changed with my banking activity with the exception of more direct or electronic deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: LA

Complaint narrative:
I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report XXXX This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS filed XX/XX/2019

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 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a Bank of america Business credit card for my small business ( LLC ). 
This credit card and the associated website is very confusing. If one has to call the customer service - it's at least 45-60 minutes of wait time - transfer from one department to another. 
I remember that i had setup the auto pay but it failed. I was charged {$39.00} late fees. When i called them up - they waived it because i made the payment immediately. 

Now when i finally talked to them after being on the phone line for 60 minutes ... i come to know there is eBill which triggers autoPay. 

This card, website and everything about Bank of america business card is very weird, odd and unusual ( read not basic common sense ) compared to other credit cards. 

When somebody is paying the auto pay - it expect you to fill all the entries ... it doesn't give the option to the customers like : Pay statement balance Pay minimum balance It just says - pay a certain amount ( which will change every month - why customer has to keep on seeing it to setup - every time ) It doesn't give customers the option to pay on due date ... customer will pick up the date and that date might be passed due date. 

Either bank of america is doing it intentionally ( to get late fees or interests from the customers ) OR they have shortage of right talent ( who can think, design and implement it ). Of course they outsource all their work and pay pennies to the local hires - so there is a very high chance the quality of IT staff is the poorest.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS filed XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
Someone used one of the prepaid cards that you buy from a store and purchased a XXXX  XXXX product under my name falsely I called the company to try to figure out why it showed up at my house to return it and they refuse to take it back and the card that was used again was a prepaid card that was fraudulently used with my name. The account was opened XX/XX/XXXX I'm unsure of the exact date. But I did have a dispute done with them and it still shows up on my credit report showing I owe {$510.00} with XXXX payments and I explained to them that it was not my debit card through my bank I don't know who open the card or anything else. XXXX XXXX is the original creditor but MONTEREY COLLECTION SVCS is the one that shows up as the collections Agency on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: OH

Complaint narrative:
There is an account on my credit report from XXXX XXXX. My legal name is XXXX XXXX XXXX. TransUnion 's reports my name as XXXX XXXX XXXX. However, the account does not have my full name. See attached letter from XXXX XXXX. They report my name as XXXX XXXX, which there are many people with this name across the US. Also, XXXX XXXX is not able to confirm the date of first delinquency for the account. I have disputed this account with TransUnion but they did not remove the account. TransUnion has mentioned the account will remain on my report until XX/XX/2020. However, according to the Fair Credit Reporting Act, a person 's name must be validated and accounts must be removed after 7 years. XXXX XXXX is not able to provide documentation to confirm the full legal name and the account appears to be greater than 7 years past delinquency. To comply with federal law, TransUnion must remove the account from my credit report. Note that other credit reporting agencies such as XXXX  has removed this account to comply with law.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern. 

CREDIT BUREAU EXPIRIAN INCORRECT INFORMATION LOW SCORE MUST BE UPDATED TO HIGHER SCORE, My name is XXXX XXXX XXXX, during the pass year of XXXX and XXXX, I have call EXPIRIAN,  for few different reasons, one XXXX XXXX XXXX collecting {$240.00} from a account don't exist any more, also the correction of punctuation is to low and I have been penalize by creditors do to a low SCORE punctuation, I understand each company is different, but regarding the score and removal of certain information by know I should by on a higher position today, again I have penalize denied from creditors because this numbers are hurting my score, I ask today to the office of CONSUMER FINANCIAL PROTECTION BUREAU, to complete a full investigation and I pray that with in next 30 day my punctuation can be some what higher than XXXX, XXXX XXXX and XXXX XXXX XXXX and any other should be corrected properly, also I take this few moments to ASK for the correction that has been dispute for ever and that is XXXX XXXX, this account was never ever late, it was a transition of payment, were a check process was not add on time, do to a fact that payment was also at the time was been summit-ed on online payment, do I have any evidence no, but I know it was never late, have I complain on this yes many times, House was sold and I have no evidence is why this company has taking advantage, but I was never late, have I call dispute on expirian yes but they dint care therefore I pray this can be fix or removed. 

Thanks Respectfully Mr.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 non-monetary relief