vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-04 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: CA

Complaint narrative:
The lender is  XXXX  which is not reporting the correct balance and that is effecting my credit score significantly.
I opened an investigation with   XXXX   XXXX   and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on  XX/XX/XXXX , the case was opened on XX/XX/XXXX .
The balance is   XXXX   as of  XX/XX/XXXX  in my credit report but as of  XX/XX/XXXX  the correct balance is  XXXX  I called   XXXX   XXXX   and complained to  XXXX  which claim was a supervisor on  XX/XX/XXXX  at   XXXX   XXXX     XXXX   and asked him why   XXXX   XXXX   is reporting a false balance and he said because   XXXX   said it.
I told  XXXX  it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period.
I asked why the screenshot that I submitted within   XXXX   XXXX   dispute section was not presented to the lender -   XXXX   and  XXXX  said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from  XXXX  and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say.
The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: CA

Complaint narrative:
The lender is   XXXX   which is not reporting the correct balance and that is effecting my credit score significantly.
I opened an investigation with   XXXX   XXXX   and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on  XX/XX/XXXX , the case was opened on  XX/XX/XXXX .
The balance is   XXXX   as of  XX/XX/XXXX  in my credit report but as of XX/XX/XXXX  the correct balance is  XXXX  I called   XXXX   XXXX   and complained to   XXXX   which claim was a supervisor on  XX/XX/XXXX at   XXXX   XXXX    XXXX  and asked him why   XXXX   XXXX   is reporting a false balance and he said because  XXXX  said it.
I told   XXXX   it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period.
I asked why the screenshot that I submitted within   XXXX   XXXX   dispute section was not presented to the lender -  XXXX  and  XXXX  said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from   XXXX   and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say.
The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.

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 2017-08-04 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: CA

Complaint narrative:
We need to complain that the   XXXX   Credit Agencies simple reporting system from the banks, is biased against the consumer and small family.Our standing with  XXXX  was misrepresented.
This misrepresentation is intentionally built into the Credit Agency 's systems!
We, the consumer, must have an equal opportunity under our common law rights. This has been denied us.
an equal opportunity to present the ongoing dispute, the facts and actions of the parties.And an accurate and equal The Credit Agency 's ignored the facts, the actions of  XXXX  in refunding us 100 % of all 'late charges ' The facts and actions of the parties are as follows ; a ) There was only one occurrence of a late payment, about 30 months prior to  XX/XX/XXXX .At that time l was in Intensive Care a. We asked   XXXX   for the regular paperwork showing our balance, so we could make a special 401k claim to catch up with the balance.
We had not been late prior to hospitalization. Despite numerous phone calls   XXXX    never supplied the norcmal paperwork in a timely manner. Later   XXXX    produced Fraudulent papers to 'clim ' they sent the papers on time.
We were n't the only family suffering from   XXXX   unfair servicing on the same issue.
b ) We never were further behind than that one occurrence ( of two late months ) during hospitalization.
But   XXXX    marked the binary system late every month, after they refused to supply the paperwork, which would have allowed us to be current.  XXXX  themselves stopped us from becoming current, then charged us late charges for about two years or more. This became a serious disagreement with  XXXX .
c ) In the few years since that first occurrence l was hospitalized about fifty percent of the time. And on  XXXX  for eighteen months. Even so, we never extended the two past due payments, past the one time only original occurrence.
d ) In  XXXX /  XXXX   we reached an agreement to sell our house and informed  XXXX  we needed to agree to 100 % of the pay-off.  XXXX  agreed to take the action of refunding 100 % of all late payments.
e ) The dispute took a turn, when  XXXX  stopped making any late charges against us in  XXXX .
f ) This action meant the binary reporting method to Credit Agencies was unfair and incorrect. It is biased against families, allowing big banks and the   XXXX   major Credit Agencies to unfairly and wrongfully impose huge damages on our family.
f )  XXXX  actions speak louder than computerized binary reports.On  XX/XX/XXXX   XXXX  took ACTION and returned to us 100 % of all late charges.
These binary reports ignore the actual state of affairs and the refund action.
Our direct damages today, due to the biased credit reporting is over {$100000.00} and will climb substantially after  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to dispute a charge on my credit card statement for {$3.00}. The purchase was for merchandise, not a subscription to anything. Bank of America refuses to take a dispute for 15 days from the " date of cancellation ''. There is no such date because there is no subscription. However, even where there is a subscription I know of nothing in the Fair Credit Billing Act, or any other law, which allows a credit card company to refuse to take a dispute and require a 15 day waiting period.

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 2017-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIRST HAWAIIAN, INC.
State: CA

Complaint narrative:
I leased used car with first Hawaiian bank XXXX unfortunately I have have to out of country for a while so I returned to bank and I 'm back to home XXXX and bought new car at that time, I found out from insurance company. They said, company paid for this so they want to ask pay back so I paid by monthly with insurance payment. 
So I called bank explained, what happen and what I want to. 
But on my credit file still showed balance {$3200.00} and will be moved XXXX. 
I believe, bank cover the money anyway and I covered insurance company damages. 
So, I 'm requesting this matter should disappeared now. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: FL

Complaint narrative:
A duplicate report appears for the loans.  XXXX  set of the loans says they are with   XXXX   XXXX   XXXX  /  XXXX   and were opened   XXXX   2011. The   XXXX    set of loans is showing FedLoan Servicing and opened  XXXX  2011. This happened after I completed a Loan Rehabilitation program. They are the same loans, there are not  XXXX  loans, just  XXXX . I tried to dispute the information with credit reporting agencies, FedLoan,   XXXX   XXXX   XXXX   and received no help. The disputes are always declined and the false information stays, which is causing damage to my report by showing extra sets of loans with late payments. I have even tried to have a credit repair person help and they have been unable to have the loan servicing companies correct it. The FedLoan Servicing report is even marked as " Account transferred to another lender '' so it should n't still be there while the other lender is reporting the loans, also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
In  XXXX  2017, I contact Wilshire Consumer Credit for a car title loan. I was inform that the interest rates were low, and that my payment of  XXXX  a month would be apply to my principal balance which is  XXXX . Other fees were put on the title loan. So here is the issue. I starting paying on the loan in   XXXX   up until  XXXX , 2017 every  XXXX  of the month. and my payoff balance is still at   XXXX   dollars. Which I have paid  XXXX  and nothing has been apply to principal. The representatives have been manipulated in there practice of business. Every time I ask for the loan documents to have to read the contract I never receive it in the mail. I am a   XXXX   year old   XXXX   women who has  XXXX  and   XXXX   XXXX   problems. I have been taken by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
Calls placed after   XXXX   XXXX  .
Calls several times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ARC Management Group, LLC
State: LA

Complaint narrative:
On   XXXX   XXXX  , 2017 I went to the emergency room and before I left I told them I had  XXXX . I did n't receive anything in the mail I just seen it as a derogatory on credit report. Arc Management Group shows {$1200.00} only on my   XXXX   report. Arc Management Group does n't even answer the phone number when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On  XXXX / XXXX /2017 I receive a one page letter from Wells Fargo Card Services dated  XXXX / XXXX /17 stating that my credit card has already been closed due to other bank cards and 6 months of inactivity. please destroy your card immediately as it will not work. I 've never been late, delinquent, or missed any payment of any debt in my lifetime. My account is always in good standing and has never had a high balance. Wells Fargo is my primary bank and has been since I was able to open an account. My personal accounts, IRA, vehicles and credit cards are all with Wells Fargo and have never had any problems in which risk management would become involved. I am also a former employee that left the company in good standing. I called credit card services to resolve the matter and after 4 different team members in different departments deflecting my concerns and passing me around, the supervisor left the conversation before explaining it to the next person and that 's when I officially gave up on Wells Fargo. They essentially punished me for using The credit I have earned over the years and their associated balances, yet they closed my account for the exact opposite reasons.A customer of 20 years. here is no logical explanation for this decision and none of the employees could explain anything other than what my letter stated. I explained to each associate that I have been a very loyal customer for over 15 years, maintain an excellent relationship and keep the card for emergencies. I feel that am being cheated for no reason since there is no negative history on my tiny credit card account. Of course every representative said they would be more than happy to submit my application for a new credit account that would negatively impact my credit report, but give the company another sale. This is when I became concerned and decided to report WF. They are abusing their customer 's loyalty as well as their financial states once again. I can forward the letter per request since there is personal and financial information on 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 2017-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Care, LLC
State: PA

Complaint narrative:
I received a notice in the mail marked SECURE and it said I was recently eligible for Loan forgiveness. There were several options listed for what I could be eligible for and I called the number on the letter and gave the representative my eligibility code. I had to call them several times because the call kept getting disconnected. Finally, after hours on the phone, they said I was eligible for the Revised Pay As You Earn program and my monthly payments would go down drastically for the next 10 years or so. The only sensitive information they took was my FSA ID and my bank account and routing number, but I was warned not to give this info to anyone. I asked the person if I could have done this on my own online, and they said no.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: DISCOVER BANK
State: NC

Complaint narrative:
My wife and I have been subject to family credit card abuse. In   XXXX    2016 my wife allowed our daughter to use our Discover card for 2 rent payments. Our daughter and our estranged son-in-law used that card for other purposes, and when my wife canceled it, they originated a Discover card of their own with my wifes info and had it mailed to themselves and then they made thousands of dollars of   XXXX   XXXX    purchases, cash advances, etc. We have cancelled the Discover card at least 3 times to stop this abuse. We have filed the required Police report. We have talked to Discover over 20 times, for probably over 30 hours and they have found 'no fraud ' because of my wifes earlier allowance of the use of the card info for 2 rents.   XXXX   XXXX  ,   XXXX   XXXX     XXXX    XXXX   XXXX   have all found and substantiated 'Fraud ', yet Discover has n't. We have provided them all of the fraud transactions, and have sent them a 4 page letter detailing all of this. Every time we call the Disc. fraud dept. we get a different person, and they say they will not investigate further. 2 withdrawals totaling {$11000.00} thru   XXXX   XXXX  ,  XXXX  Pa, in  XXXX  still have n't been investigated by them, and we are fearful that pertinent information about those may be lost due to Discovers inaction. Discover disregards the fact that we canx 'd at least   XXXX   cards in a period of a few months to stop this abuse. Without this getting resolved we ca n't get our relationship back with our daughter and that is killing us emotionally!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: NJ

Complaint narrative:
XXXX XXXX ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.

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 2017-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a mortgage with Wells Fargo since 1996, in the amount of $ {$330000.00}. Balance today is {$260000.00}, which means I have equity in this bank. I wanted to take out a " Line of Credit '' in the amount of {$35000.00} and I was denied, why. I am a single mom that have worked all my life trying to help my children. So I would like you to investigate the bank and give me the correct answer as to why I was denied. Also check their customer service records, as to why they do n't want to give me a line or credit only want me to take out a Line OF Credit, which is low cost to me but put Home Equity Loans which they make money on. Please investigate this bank as other agencies have do,

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 2017-08-04 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: NJ

Complaint narrative:
XXXX   XXXX   ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.

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 2017-08-04 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: NJ

Complaint narrative:
XXXX   XXXX  ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company. They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting Adult Protective Services for help. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA

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