vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-26 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: PA

Complaint narrative:
As of XX/XX/2019 the account in question is reported as a derogatory account. It is also reported as a paid Charge off account. When in fact this account has been paid on time from my bank account directly to the lender for over 2 years. This activity and history are shown in the history of this account. I have a copy of the history of this account and it can be shown that the account was not discharged or dismissed. This account has not been paid from a bankruptcy plan and should not be in that status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
Every single day for the last year, they keep calling me from multiple numbers. Saying I owe money from one of my charged off credit cards. I tell them I dont have money right now and they said we need you to pay at least {$50.00} today can you do that? And I say no I cant because I dont have the money available right now and they continue to harass me and say well how much can you pay today. We need some amount of money today so your account doesnt default and a legal judgment is posted against you. Then they tell me I need to give them my bank account routing number and they will take the money out when I think Ill have it available ( post dated ) and I tell them Im not sure when Ill have it available and Ill call then when I have the money and they CONTINUE to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My Citi Secured Card Never reported to My Credit Report when its suppose to Help Build Credit Under the Fair Credit Reporting Act If A Company has A Agreement which states they will report to the bureaus They Must do so And This could fall under False Advertisement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: PA

Complaint narrative:
My installment account with XXXX XXXX XXXX XXXX ( XXXX ) for {$50000.00} that was opened on XX/XX/2019 is reported in the condition as derogatory by Transunion and XXXX XXXX reporting agency. Also in the comment section, the loan is reported as dismissed. When in fact this loan has been refinanced and " paid in full '' or paid as agreed. I contacted the lender and I have attached a letter from XXXX stating the loan is not being reported as derogatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 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: PA

Complaint narrative:
My installment account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$50000.00} that was opened on XX/XX/2019 is reported in the condition as derogatory by XXXX and XXXX XXXX reporting agency. Also in the comment section, the loan is reported as dismissed. When in fact this loan has been refinanced and " paid in full '' or paid as agreed. I contacted the lender and I have attached a letter from XXXX stating the loan is not being reported as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
This account is being reported as closed by consumer. However, this account is " open '' and has never been late. This account is also being reported as derogatory. This account should be displayed as open and current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: PA

Complaint narrative:
This account is being reported as closed by consumer. However, this account is " open '' and has never been late. This account is also being reported as derogatory. This account should be displayed as open and current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account is being reported as closed by consumer. However, this account is " open '' and has never been late. This account is also being reported as derogatory. This account should be displayed as open and current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was on the phone with a citi manager representative XX/XX/XXXX, debating about a late fee that I just occurred. I just took a new loan with them and I thought the payment was different than my usual one. That Manager has zero skill of customer services. She said I had 2 late fee removed one in XXXX and one in XXXX and also that I occurred 5 late fees which I gladly paid. The fees and interest I paid them is not worth debating a XXXX $ late fee, she should have just remove it. I have been with them for a while now and never had any trouble until today. The worse for me is that she has the audacity to hang up on me after arguing and getting me more pissed off. I called back and ask her why she did it and she said it was because I was frustrated. Im a XXXX XXXX myself and the best way to calm a customer down is to listen to their frustration even though you know there is nothing that can be done. It is very sad to end a long term relationship, for a person representing Citi that have poor knowledge of customer service. This is the first time I experience this type of disrespect and she is supposedly a manager. What a shame what a shame very disappointing. That so called manger might move on to better opportunities while because of her The Citi company name will be tarnish forever. She let me know that there was nobody higher than her, no one can call me back, and no one to take my complaint about her poor handling of the situation. She gave me a fax number XXXX and a P.O. Box what a joke. Since Citi doesnt have a place to listen to my complaints, I will use this platform to express my disappointment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Paypal has withheld my money after a transaction from XXXX, where I sold an XXXX. They tried to tell me that there was suspicious activity on my account, but I later found out thats not true, their automated System lags certain things and they cant tell you why or when it will be resolved. After 10 days I finally was able to verify my identity and get my money. Fast forward three weeks later, which is a couple of days ago, I sold two more items on XXXX and I have no other way to get paid other than through PayPal because at this time PayPal is the only financial money transfer service that they use. Well they decided to limit my account again not allowing me to access money that I put in there and has nothing to do with XXXX. They asked me to verify some information which I did, but not before I wrote them a few nasty messages telling them how I feel about them and the XXXX  that they have put me through. Whoever read my messages didnt like what I said and had the power to permanently remove me from PayPal, and telling me that I can not touch any of the money in the account for 180 days, at which point they will let me know how I can access my money. This is unacceptable that I have to wait 180 days or even three days to touch money that is mine I did not choose to do business with PayPal, it was my only option and I was forced to. I chose to do business with XXXX, nowhere in any of the agreements did it say that I had to use PayPal only and now Im being penalized because of Paypals monopoly on XXXX. They have stolen money from me by holding {$770.00} of my money a few weeks ago and would not allow me to touch any of it unless I paid {$440.00} that was for some One else is debt, and I had no choice because they told me it was either pay the XXXX Ill be able to access {$330.00} of my money or they would keep all {$770.00}. I thought {$330.00} is better than nothing so I paid it, everything was fine until I try to use them again, at which point they put more holes on my account and had me jump through more hoops, which I did and I submitted everything they asked except a definitely abused them verbally through emails, at which point they put me in the spot Im in now. They have cost me a lot of money in late fees by not allowing me to access MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
In XXXX of 2019, I switched my phone from XXXX XXXX XXXX to XXXX. I called twice and spoke to representatives and attempted to pay my remaining lease off. They assured me there was no balance. If I had paid, XXXX would have reimbursed me. They were confident there was no balance. 

Then, I never received one bill from XXXX XXXX XXXX until I finally received a letter to settle with collections. I would have absolutely paid it and in fact tried to. 

Since then, I have paid directly with XXXX XXXX XXXX and would like this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Approx. One Month Ago I Received Several Letters Stating That I Have To Send Cominety Bank Copies Of My I.D., Proving Who I Am. Meantime All My Accounts With This Bank Are On Hold. I Reply, Did Everything They Requested. On XX/XX/XXXX I Received Several Letters Stating That All My Accounts Have Been Re-Opened. Try ed To Use One Of There Cards And Found Out That They Were Not Re-opened. I Called The Bank Asking What Is Going On?. The Person I Spoke With ( can ; t Remember The Name ) Told Me That The Credit Bureau Has Sent Them A Email Telling Them To Close All My Accounts.I Have Approx. 10 Accounts ( credit Cards ) With Them. All In Good Standing Never Late. For Them To Close That Many Accounts Is Really Going To Lower My Credit Score Significantly, Of No Fault Of My Own. Why Did They Give Me The Credit In The First Place?. I Have Been Working Very Hard On Building My Credit Got It From The Low 500s To 665 In One Year Very Proud Of That. And Know Have Them Come Along And LIE To Me Telling Me The Credit Bureau Is Telling Them To Close My Accounts They Don't Have The Right Or The Power To Do That. Last Time I Spoke To The Bank Was On The XX/XX/2019. They Said They Have Sent Again Letters, I Should Get Them In About 10 Days. I Cant Wait For Them To Report I Have 10 Closed Accounts It Will Kill All I Have Worked So Hard To For. It Just Doesn't Seem Right.I Am Not But Hurt That They Closed The Accounts, But Don't Report All Closed. This Will Damage My Good Standing Regarding My Credit. Please Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 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: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
People using my card without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I went to use my Walmart XXXX card and was declined and was contacted by XXXX XXXX the account was closed. When I called a representative from XXXX told me they closed the account for 1 missed payment which was supposed to be automatically taken out of my bank account and wasn't. Now they want me to apply for their capital one card this way they can effect my credit score twice. maybe since my account was closed and will effect my credit score I will leave the card closed, contact Walmart and let them know I will not shop there anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I was part of the Equifax data breach. Now there are a pair of fraudulent claims on my Equifax report attributed to " XXXX ''. For many months I have tried to get Equifax to remove the fraudulent items, but they refuse. They refuse to provide any proof with a signature. They will only say that they have checked with XXXX and XXXX says it is real. ( That doesn't prove anything. ) I filed a previous complaint with CFPB and Equifax waited two full months ( already a violation ) to say that it is real and once again provided NO proof other than saying XXXX says it is real. They need to remove it from my report. It is fraud and they are helping commit it. The reason they will show nothing with my signature is because it doesn't exist. 

They are repeatedly violating federal law by refusing to remove it. They are violating federal law by fraudulently claiming they investigated, which they didn't. I want to file a legal complaint against them. It is bad enough they gave out all my personal data in the data breach, but now they aren't even helping to clean up the mess like they agreed in the settlement. 

For the record, the other two bureaus agreed it was fraud and removed it. They aren't intent on breaking the law. 

I'm tired of going in circles about this. CFPB, please start enforcing the law. Don't allow fraud. Don't allow extortion through manufactured ( ie fake ) debts that never existed. Whoever is reading this : imagine if someone falsified a debt that you owe them money, with no proof, and reported it to the credit bureaus and said the only way it is coming down is if you pay the false debt. Now imagine one of the bureaus backs them up. That's exactly what is happening here and it is illegal. Equifax is breaking the law. Enforce the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be  investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is inaccurate. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX And so with this, the late remarks started 120 days. 

XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 120 XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 150 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: CITIBANK, N.A.
State: MA

Complaint narrative:
This is inaccurate. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX And so with this, the late remarks started 120 days. 

XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 120 XXXX  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 150 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I started my auto loan with Santander in XXXX of XXXX. Ive been a victim of predatory lending. I was told my loan was only a 4 year agreement with a {$2000.00} down payment and the internet rate seems to be much more than what I agreed on.Most payments are only going towards the interest and other fees. The loan started at XXXX with a payment of {$300.00} a month ... several of which I payed double and as of XXXX I will still owe them over 8k

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Repeated phone calls 3-5 per day, before XXXX in the morning. No messages left from company in regards to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express reduced the credit limit on one of my credit card accounts which is XXXX XXXX from {$20000.00} to {$4400.00} for no obvious reason. Please note that I just paid them {$15000.00} no too long ago. In addition, I have never missed a single payment across my three accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation