vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I checked my personal credit report and I found that there were things on my credit that do not belong to me. So i submitted dispute request and nothing has been done yet. I would like this information to be removed from my credit

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 2017-05-31 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: NV

Complaint narrative:
My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus..Experian,  XXXX ,  XXXX  and asked them  to show the case as closed / discharged.     I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all   XXXX    bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.

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 2017-06-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I checked my personal credit report and I found that there were things on my credit that do not belong to me. So i submitted dispute request and nothing has been done yet. I would like this information to be removed from my credit

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 2017-06-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Approximately  XXXX   XXXX ,  2017  I sent a copy of a certified letter and a copy of a returned mail to Equifax stating and showing they are reporting inaccurate information so I asked them to delete the account and information. The envelope was addressed to  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1. Shell credit Card / Citibank ( South Dakota ), N.A. Shell billing Statement XXXX XXXX, Card ... XXXX, added {$27.00} Fees Charged. Shell Representative, XXXX, XXXX, on XXXX, stated my payment was 30 days late. It was mailed XXXX XXXX, XXXX. She could not delete a late payment. I have been with Shell sense XXXX, with no previous problems. Request late payment be deleted and credit my account and no effect on my credit rating which is over XXXX. Shell Consumer Payment Dept., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KY. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX TX XXXX CiTi Card XXXX Shell Card XXXX Thank You, Senior Citizen, XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX 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 monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US bank intentionally misleads consumers to collect fees. I have been charged  XXXX  late fees at  XXXX  dollars a fee. That 's over  XXXX  dollars that I only recently discovered. I do not have online access to my account and therefore I make payments via telephone. The automated system give me a balance due but does not mention a late fee. The balance is the same every month so I was not suspicious. My payment is due at the beginning of the month and I always pay within the first 14 days of the due date. I was never informed of the late fee or the lack of a grace period. Furthermore I attempted to extend the due date years ago and was told it was not possible. My auto loan would have been paid off three months ago if not for these excessive deceptive fees . US bank is obligated to inform clients about fees and discuss options. This is not the first time I have been mislead by US bank . When obtaining the autoloan I opened up a checking account with them to receive a discount. The charged a  XXXX  dollar fee after telling me it was free. The fee overdrafted the account. It cost me  XXXX  dollars to close the account. I will dedicated my life to preventing others from doing business with US bank.

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 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint with Consumer Financial Protection Bureau and received the EXACT same response that I had received from the TransUnion Dispute enclosed in my complaint filed with the CFPB.     I did not give written authorization. Nor did I have a '' permissible purpose '' as deemed by TransUnion explanation of Inquiries.

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 2017-06-01 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: DISCOVER BANK
State: PA

Complaint narrative:
On  XXXX / XXXX / XXXX , Discover called about a payment. During the conversation, I offered to pay the balance in full if Discover waived interest accrued on the card in calendar year  XXXX .     The first agent was not authorized to make this transaction, so they forwarded me to a second agent. The second agent offered to waive two months of interest. I declined, and requested escalation to an agent authorized to grant my request.     The third agent stated that the second agent " was unfamiliar with your account type '' and the figures the first and second agent gave me were incorrect. He stated that they were not authorized to waive two months of interest. I requested escalation.     The fourth agent said that Discover could not waive more than one month of interest. I reiterated my offer : waive interest accrued in  XXXX  and I would pay the balance in full. The fourth agent again stated that Discover could not grant my request. I stated that I would be filing a complaint with the CFPB because of the inconsistent responses between agents.     The fourth agent, after reviewing my account, agreed to waive the  XXXX  interest accrued on my account if I paid in full " tonight ''. I agreed.     The fourth agent transferred me back to the first agent to arrange for the payment. Discover told me that the payment would be debited from my checking account on  XX/XX/XXXX .     Discover did not debit my checking account on  XX/XX/XXXX , as they said they would do. Neither my  financial institution not my Discover online access has recorded the transaction as promised by Discover. Monies moved to the checking account to pay the Discover account in full are now sitting in a no interest bearing account, waiting for Discover to fulfill their commitment, while the Discover  account continues to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: TX

Complaint narrative:
Trans Union seems to be under the impression it is okay to place remarks on every account ever disputed on a credit report no matter when or how long ago, and leave the comment on each account even after an investigation is over ; even if the investigation resulted in changes in the consumers favor ; which is entirely unnecessary and should be against the law. After multiple attempts to have these remarks removed from 3 separate accounts with Trans Union, they continue to list the accounts as " ACCT INFO DISPUTED BY CONSUMR '' and " DISP INVG COMP-RPT BY GRNTR '' I have called to have these remarks removed and submitted 3 separate requests via their electronic dispute wizard to please " remove the remarks on these accounts, they are no longer in dispute '' The results to their " investigation '' for each account was that the DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. Which basically means nothing because ultimately the remarks are still listed on each account. This problem only exists with Trans Union and each credit reporting agency has different methods of resolving this type of issue and Trans Union seems to not follow any type of standard of expedited process to resolve this small and simple issue related to credit accounts.

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 2017-06-01 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: LA

Complaint narrative:
Approximately  XXXX / XXXX /   17  I sent a certified letter as well as a photo copy of a returned mail I received and asked Experian to remove the creditor due to inaccurate information of wrong address being reported. They have failed to comply.

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 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have asked numerous times to get a letter in writing about the account in collections. They state they will not send one until money is paid upfront. I want this closed but will not pay anoyone without proper notification. They c all 3 to4 times a  day and continue to refuse written account information. They state one was mailed however this can not be true based on their continued refusal to mail me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
We are trying to settle with Ocwen/  XXXX   XXXX  The original loan amount was $  XXXX . Due to misapplication of payments  XXXX  started foreclosure. We are trying to settle with them, CFPB talks about principle reductions but  XXXX  considers all high interest added to the original mortgage amount - principle.   We have over $ 300k in interest they want to add to the principle.     What does CFPB consider principle?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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:
All  XXXX  credit reporting agencies are ignoring disputes trying to correct my reports. I am getting " results verified '' within days of submitting the disputes. There is no way they have verified anything.  XXXX  Item has been closed since  2014  but has started to report late payments every month. Others have incorrect dates that are critical for home loans. There are  XXXX  or  XXXX  different scores from each and they are all different. I need help

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 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have asked numerous times to get a letter in writing about the account in collections. They state they will not  send one until money is paid upfront. I want this closed but will not pay anoyone without proper notification. They call 3 to4 times a d ay and continue to refuse written account information. They state one was mailed however this can not be true based on their continued refusal to mail me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am filing a complaint with   XXXX   XXXX   and  XXXX . I have sent a tota l of six ce rtified disputes letter to all   XXXX    Credit Reporting a gencies since  XX/XX/17   . In the dispute letter I was  requesting an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature on it based on the FCRA. For every letter I have sent them I got a letter and a credit report back stating all items have been verified and belonging to me. They have yet to send me an original contract with my signature on it as I asked them to in the dispute letters. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required   to promptly delete all information which can not be verified. I have included all of the FCRA information above in the disputes letter only to receive a response back to say all items were verified belonging to me.  XXXX  of the accounts have been paid in full. There is also  XXXX  accounts on my report from the original creditor and they have been sent to a collection agency. So all  XXXX   Credit Reporting age ncies are reporting the original creditor and the collection company that they have been sent to which is illegal. The other accounts have been charged off and I asked to delete them or prove to me that they were mine by sending me the original consumer contract with my signature on it and they have failed to do. The reason they have failed to do so is because they do not have it and will not delete the accounts or the inquiries from my credit report. I have spent almost {$100.00} sending certified letters to them every thirty days after I got a response back from each dispute letter only to see nothing has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
A claim was opened on  XXXX  with  Paypal  for a transaction, #  XXXX ,  XXXX  from  XXXX  on  XXXX . I received a message today asking me to return the item at my own cost to  XXXX . The reason for dispute is the item was damage by a local   XXXX   store and they refused to refund the item. The item was taken to a local store to be monogrammed and the  rep ( s ) damaged the item by pressing initials too hard on the leather making the monogram too deep and damage the item. I attempted to explain this to several Paypal reps, howeve r, I was told the claim was closed out and it was not by myself. Papal reps refused to do anything further

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I called  XXXX   XXXX  Tech support for assistance with my PC. The call was hacked by  XXXX  Tech Support. They said  XXXX  had hired them to facilitate all tech support. I paid the {$370.00} for  a five year Plan.  When I called in a few months later, I was told that  XXXX  was out to business. I called them, several times-no success. Then I looked on line to find that the State of Washington 's Attorney General had filed a class action lawsuit for fraud. I called Bank of America. They refused to refund me ; after I showed them the lawsuit ( online/copies ). Consequently, I filed a claim the the Attorney General of Virginia. I was told by Virginia that they could not reach  XXXX . So they put the claim in a pending file. Why would a fraudulent company answer there phones?? Not likely! I had to purchase another antivirus service.     Is there any way to recover my lost funds? Here is the website :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   Please email me at :  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 2017-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from th e US Bankruptcy court to all of the credit bureaus.. XXXX , Transunion,  XXXX  and asked them to show the case as closed / discharged.      I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all   XXXX    bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.

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 2017-06-01 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: NV

Complaint narrative:
My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus.. XXXX ,  XXXX , Equifax and asked them to show the case as closed / discharged.      I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all three bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: TX

Complaint narrative:
All  XXXX  credit reporting agencies are ignoring disputes trying to correct my reports. I am getting " results verified '' within days of submitting the disputes. There is no way they have verified anything.  XXXX  Item has been closed since  2014  but has started to report late payments every month. Others have incorrect dates that are critical for home loans. There are  XXXX  or  XXXX  different scores from each and they are all different. I need help

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 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed multiple inquries on my credit report with all XXXX bureaus ( Equifax, XXXX & XXXX ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.

Company response to consumer: Closed with explanation