vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
I was going into forbearance in 2014 when my XXXX account was sold to Navient. Navient busted my account into 8 different accounts. While Navient was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it.

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8. Yes, for each individual loan under the one Navient account, Navient reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and Navient. Result was Navient told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to Navient. Not my fault!!! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late which is incorrect and unverified.

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it is not being reported the same.

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. 

XXXX XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.

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 2018-09-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Information for ID theft and XXXX XXXX is for Trans union and XXXX and the whole thing is for XXXX I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXXXXXX XXXX will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.

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 2018-09-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Information for ID theft and XXXXXXXX XXXX is for XXXX XXXX and Equifax and the whole thing is for XXXX  I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXX XXXX  will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/2018, I visited XXXX XXXX to purchase a new XXXX XXXX 2018. For the financing portion of the sales process, we met with XXXX XXXX, XXXX XXXX. He offered to bundle {$7100.00} of optional services into our auto loan. 

1. {$3900.00} Service Contract + Prepaid Maintenance program.

2. {$1400.00} Club Plus - tire & wheels.

3. {$870.00} Zaktek Ultimate. 
4. {$850.00} Gap insurance. 

Written terms for these services were unavailable. Instead, he explained that the information will be mailed to our home within a couple of months after the sale. Afterwards, if we wished to cancel any of these optional services, we should notify the dealership and the services will be terminated and a full refund processed. We proceeded to close the sale with XXXX and these optional services were bundled. 

On XX/XX/2018, four months after the sale, we still have not received any information in the mail nor email. Below is a list of our failed attempts to communicate directly with the dealership. 

1. Phone call to XXXX XXXX, XXXX XXXX. No response. 
2. Email to XXXX XXXX. No response. 
3. XX/XX/2018, Phone call to XXXX XXXX, XXXX XXXX. No response. 
4. Brief phone conversation with XXXX XXXX, XXXX XXXX. Call disconnected on his end. No return call received. 
5. Phone call to XXXX XXXX. No response. 
6. Phone call to XXXX XXXX. No response 7. XX/XX/2018, Phone call to XXXX XXXX, XXXX XXXX. No response. 
8. Email to XXXX XXXX. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: FL

Complaint narrative:
XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Ciitbank completed a compliance investigation that was required by law. According to the Citibank customer service department the investigation was completed satisfactory and the account blockage should be removed within 48 hours. However, the checking account was blocked since XX/XX/XXXX, and I have not being able to use the funds or withdraw the funds to close the account. 

On XX/XX/XXXX, I visited the Citibank Branch and met with Citibank XXXX XXXX XXXX XXXX XXXX ( XXXX ). I explained XXXX that the the compliance investigation started in XX/XX/XXXX and that I have provided all the documentation requested by the Citibank department. On my last conversation with the customer service department, they confirmed that the investigation was completed and that the removal should be process within 48 hours. XXXX reviewed my account and contacted several people over the phone and confirmed that the compliance investigation was completed satisfactory and that the blockage should be removed. However, He was not able to obtain a removal of the blockage of the account. 

Citibank is holding {$3200.00} fund in the account which i can not have access to even after requesting the closure of the 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 2018-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! Please help me.

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 2018-09-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! Please help me.

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 2018-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a complaint with the Consumer Financial Protection Bureau against Capital One and then in retaliation, they shut down my credit card account. This account I've had for over 3-4 years, always paid on time with no issues. After I filed the complaint, they sent me a letter shutting me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX I taken a small loan out with XXXX  via online. I agreed to payback XXXX however I was not able to payback loan and it was sold to 3rd party company. I paid XXXX on XX/XX/XXXX to collection agency who verified my payment. XXXX acknowledged they received payment confirmation however refuses to close my account and still has my account in negative but active status. As of today my account reflects that I owe {$360.00} due date of XX/XX/XXXX and XXXX  days past due. 
This reflects negative on my credit report and also prevents me from obtaining loan from other businesses. I asked XXXX multiple times to close my account and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: OK

Complaint narrative:
In XX/XX/2018, my Fidelity Rewards Visa Signature card was temporarily restricted by the Payment Risk Group at XXXX XXXX XXXX ( the organization who manages the card ). I called the payment risk group and spoke on the phone with XXXX. XXXX indicated that the reason for the restriction was that a large number of payments had been made using money orders. While we were on the phone, XXXX looked up the issuing bank/vendor for the money orders, verified that they were on an approved vendor list, approved the payments, and removed the account from restricted status. 

In late XXXX, the Fidelity Rewards Visa Signature account was closed by XXXX XXXX XXXX. I spoke with XXXX in the XXXX XXXX XXXX Payment Risk Group on XX/XX/2018. XXXX XXXX   direct phone number is XXXX. Per XXXX, my account was triggered internally by XXXX for review. XXXX refused to provide the reason for the review. XXXX indicated that as a result of the review being triggered, XXXX elected to perform a soft credit pull, and upon seeing that I had applied for other credit cards in the previous month, made the decision to close the Fidelity Rewards Visa Signature account. XXXX stated that XXXX considered the account to be a risk due to high usage, even though all balances had been paid in full by the statement due dates. 

The Fidelity Rewards Visa Signature card is agreed to have a 2 % cash back rewards component. On XX/XX/XXXX, I was notified by XXXX XXXX XXXX that a final statement was processed and placed in the mail to me, and that XXXX had elected to assess no cash back for the final statement, despite considerable charges being placed on the account. I disputed the decision, and as of XX/XX/XXXX, XXXX has refused to reverse its decision after multiple conversations on the phone. The amount due to me is {$1000.00}. 

XXXX refused to provide a reason for their initial decision to review the account, so their decision to close the account is not legitimate until a valid reason is provided. Further, the terms of the user agreement were still in effect until the time of account closure and XXXX is obligated to deposit the agreed-upon cashback amount of {$1000.00} into my individual cash account ending in XXXX. 

Thank you for your review of this case.

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 2018-09-07 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: FL

Complaint narrative:
XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.

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 2018-09-07 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: FL

Complaint narrative:
XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.

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 2018-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
This company is sending out mass mailers telling people/implying they will be arrested if they do not pay. Aside from the fact that the debt isn't even valid, I'm shocked at being threatened with arrest unless I pay out. This company sends out so many of these mailers that I have another one for an entirely unrelated person that was also mailed to my house!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation