vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
In XX/XX/XXXX I was put on XXXX and I had called in XXXX to see if Ford would be able to lower my car payment due to the financial Hardship that was occurring. Ford transferred me to the rewrite department where I spoke to XXXX and she started the process once the process was complete I was approved on XXXX XXXX. I had called XXXX in the rewrite department to discuss XXXX payment how I didn't want it to be 30 days late during this whole rewrite process and go on my credit. XXXX and XXXX assured me if this happened during the rewrite they would fix the 30 day late payment.Well on XX/XX/XXXX I received an alert stating I was 30 day late on my payment with Ford. I disputed that and called the rewrite department and spoke to a XXXX XXXX who then stated the credit department was in charge of that she then gave me a number where to call XXXX. I called the credit department who informed me the credit was already updated on XX/XX/XXXX that was not the case yesterday the credit bureau contacted me stating the dispute i had made was accurate through Ford and they would not delete the days late which cause my student loan to deny me to not enter school. This has been such a devastation and I hold Ford responsible for this I have been given the run around and they have not owned up to what they said they would do. I have spoken to several Account specialist in different departments and XXXX in customer service informed me today that I would have to send a letter to the Credit Dispute dept to see if they would take the 30 day late payment off. If i knew this would happen I would never have did the rewrite that caused me my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: PA

Complaint narrative:
Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.

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 2019-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was reviewing my credit report this evening XX/XX/19 from Experian and I notice that Experian is STILL reporting two invalid addresses. One address where I no longer reside which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. I sent Experian a letter from a notary swearing that I live at my current address and I provided them a copy of a recent utility bill with my name on it. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX. The other address which is XXXX XXXX XXXX XXXX XXXX, NY XXXX is an invalid address that needs to be remove immediately. As of this writing. I have mailed Experian via Next day mail service another recent copy of my utility bill as well as a notarized letter stating my current valid address via motor vehicles which they will receive by Monday XX/XX/2019. They are requested to sign for the package, so the package has a copy of my drivers licence, a notarized letter and a copy of my utility stating my valid address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. Also just a side note I reached out to XXXX  and XXXX and both of those companies deleted the invalid addresses and only list my current address. Please assist me with having them remove. I also indicated that I will be reaching out to the CFPB with this complaint. Thank you kindly Best, 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 non-monetary relief
Consumer complaint received 2019-01-05 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: PA

Complaint narrative:
Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.

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 2019-01-05 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: PA

Complaint narrative:
Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which  gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This past summer I was approved based upon my credit application and report for two XXXX XXXX Credit Cards. Then suddenly about a week after they closed my account. This institution has given its CSR to close an already established account ( based solely upon my credit history, scores, and other factors ). One of the last conversations I had with them a CSR had trouble pronouncing my name and later in the conversation after discussion of my faith based beliefs the accounts were closed. Me along with over 500 customers were approved for credit to later have their accounts closed for frivolous reasons. For me it was because of too many inquiries and for others the closer of newly opened accounts runs rather quickly and I believe the bank is allowing its credit card representatives to close accounts newly opened. And so XXXX XXXX  continues this distrustful practice of opening accounts and because a person has a different belief close the account and send out a bogus letter of why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went through a modification process with Wells Fargo some years ago, account number XXXX. There were 3 different modification specialists that made errors while I went through the process making the process way more extensive than the normal processing time. Due to their error, mishandling of documents sent via fax and other issues that were no fault of my own. Continuously contacting them to verify documents and being told to wait and then after numerous months they would again claim they didnt have the documents which eventually admitting they had which I knew they had as I had faxed. I would complain about the reps being neglectful and each time, I had to start over with another rep doing the same thing and not being informed throughout this extended process that they put late payments on my credit report again because of their neglect numerous late payments were put on my credit reports which was not fair and I am being penalized. I have been a loyal customer with this organization. I have been loyal to this organization and I have had 3 homes with the organizations transitions. I started off with XXXX XXXX, then XXXX now Wells Fargo. This is not right for me to be penalized with all of these late history payment recorded. This obsolete account has been on my credit reports since XX/XX/2005 and they have uncountable unfair late payments recorded for my history of payments.

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 2019-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I wish to Early Pay Off the merchandise purchased/leased 90 days According to my contract they are trying to charge a pay off amount that exceeds the contract amount agreed.

I am paying within the early pay off option.

The cash price is XXXX with a payment of 30 initial payment deducted a 10 buyout fee added and a deduction for 2 payments of XXXX ( totaling XXXX ) this leaves a balance of of {$1200.00} Acima is requesting a sum in excess of this.

Clearly the contract makes no provision for this.

they are refusing to open a dispute process they are saying additional tax is due but that is not reflected in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: PA

Complaint narrative:
XXXX is trying to collect on a debt that is well over 10 years old, and well outside the 7-years rule on credit reporting. They are in violation of their subscriber agreement with Experian, and there is no other recourse but to permanently delete the collection from my personal credit report. This posted collection is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This item must be deleted and my file must be purged permanently.

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 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a report with the XXXX Police Report that my drivers license and social security had been lost in between XX/XX/XXXX at a house I rented that non of the XXXX XXXX XXXX accounts were mine including satellites tv, internet and landline phone. 


I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX threatened to sue them and with their fraud division at below address on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX They sent me a letter of apology for the inconvenience stating that the accounts had been removed, no impact on credit and to keep open to their services should an opportunity arise. 

Here we go again after more than two years. There should be a class action suit against XXXX XXXX XXXX and their collection agencies who they sell their accounts that were already removed and communicated to the victims.

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 2019-01-05 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: NC

Complaint narrative:
in XX/XX/XXXX i went to XXXX XXXX XXXX XXXX to open an account to deposit funds i was going to use to repair my house, and when the teller said to me i could get a credit card i said i was not interested in a credit card them i did not think anything of it so i went on and few days later i notice a inquire on my credit report i ask XXXX XXXX XXXX and they gave me some kind of mumbo gumbo so I let it slide and then XX/XX/XXXX i had a hurricane damage to my house so i had FEMA flood insurance they took care of the part iwas in insured for and they told me i had to file a claim with my insurance company for the other damages to my house so I did they did not pay enough for all the damages I contact fema and told me to fill out a small business loan i told them i did not want a loan they said that was a procedure and that would not have to start the loan process and i for got about it until i seem and inquiry on my report and i call equifax and they said it was the USDA i call them and they said they did not do it so Equifax lied they were trying to get me to get a mortgage loan and i said i did not apply for a loan and they have not did anything yet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: OH

Complaint narrative:
I purchased a car from XXXX XXXX on XX/XX/2017. I asked to finance through the dealer 's bank 's. They gave me the names of three lenders and rates. I chose XXXX XXXX XXXX and was subsequently approved and currently have a loan through them. My credit reports shows 6 ( six ) hard inquiries that day and they are all associated with an auto finance purchase. This high number of inquires is negatively impacting my credit score. After doing some research, I found out that dealers will search out lenders who will give them " deals '' on customer financing involving kickbacks or rebates for bringing them borrowers. Now I understand why they went to 6 lenders when we only spoke of 3 and I chose the one which I wanted at the outset - it was so they could offer me as a borrower to their partners to see what type of deal they could get back for me. Meanwhile the 6 credit inquires on my report damage my credit history. I have all my paperwork and do not have any item/paper with my signature that authorized them to contact so many prospective lenders.

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 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Best Buy Visa Card. Never intended to get it at first because I have other credit cards. One time at a Best Buy store one of their sales agents was able to trick me into getting one after he said that there would be ZERO interest for 2 years and IF EVER I WILL STILL OWE THEM SOMETHING BY THE END OF 2 YEARS THE INTEREST TO BE CHARGED WOULD BE BASED ON THE END BALANCE ( caps for emphasis ). I have been paying, religiously, regularly and on time at least the minimum since the start. Payments were thru autopay. The promo period ended last XX/XX/2018. By Statement Closing Date XX/XX/2018 my balance was only {$650.00}. I knew interest would be charged by the next closing date but -- with all honesty -- was not expecting that it would be unconscionable. Since everything was on autopay, I did not bother to check said account. That is why I almost fainted when I saw today that I was actually charged {$820.00} supposedly as interest. All along I was assuming that my balance to date would only be around {$100.00} since I paid larger amounts after XX/XX/XXXX. Obviously, the guy who offered me the credit card at the beginning either did not know what he was talking about or deliberately misled me. I called Best Buy Customer Service but was transferred to a CitiBank Call Center agent by the name of XXXX who was not only unhelpful. She was INCOMPETENT AND RUDE. The call was placed just tonight at around XXXX XXXX Time. She could not even give me a detailed calculation as to how on earth the {$820.00} was arrived at. So I tried calling back the Best Buy Customer Service Hotline and made it clear at the start that I did not want to be transferred to a CitiBank Call Center Agent but still it seemed like they could not hear my pleas. Having hit a dead end, I am now hoping that CFPB could help me because I could not pay such unjust balance. I am willing to pay since I am aware that I have to settle my debts but only the fair balance. I now feel like Best Buy and CitiBank conspired to deceive me. I am now seriously considering filing Chapter XXXX 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 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX the Revolving Credit on my Citi Card-XXXX was {$19000.00}. 
On XX/XX/XXXX I accepted the Citibank credit card Offer 14 for a balance transfer with 0,00 % Promotional Rate until XX/XX/XXXX. I made a transfer of {$10000.00} and paid {$300.00} transfer fee ( see XX/XX/XXXX statement ). 
I accurately made the required minimum payment every month. 
On XX/XX/XXXX I accepted the Citibank credit card Offer 15 for a balance transfer with 0,99 % Promotional Rate until XX/XX/XXXX. I transferred {$9800.00} and paid {$290.00} transfer fee ( see XX/XX/XXXX statement ). I accurately make the required minimum payment every month. 
On XX/XX/XXXX I made a payment of {$8100.00} to pay off the remaining balance of the Offer 14. The remaining new balance was {$9900.00} ( see XX/XX/XXXX statement ). 
On XX/XX/XXXX the Citibank moved {$7600.00} from the Promotional Rate 0.00 % into the Standard Purchase Rate 15.49 % ( V ) ( see XX/XX/XXXX statement ). I didnt know about it until XX/XX/XXXX, because I was using Paperless Statement system and all payments were being made electronically as per the schedule. Since then the amount I am being charged every month for the interest varies from {$100.00} to {$110.00}. 
When I asked a Citibank clerk what happened I was told that even though I had made a payment that would be enough to cover the balance of the Offer 14, only the minimum required amount was applied towards the Offer 14 balance. The remainder of the payments was applied towards Offer 15 balance because it has higher APR. The clerk said that this happened because I had two ongoing promotions with different APR. When I asked her what I could have done differently to avoid paying interest charges, she said that the only option I had was to pay off the balance, which at that time was {$18000.00} ( see XX/XX/XXXX statement ). 
I tried to raise this issue with a Citibank Credit Card manager, but she  said that I was explained the conditions of both offers before accepting them! 
I understand that nobody forced me to accept these offers but at the same time I couldnt possibly understand all technical aspects of what would happen when two offers overlap. 
If I was told in XX/XX/XXXX that in order to avoid interest charges, Id have to pay {$18000.00} four month later, I wouldnt accept the Offer 15! 
Given the complexity of payment allocation for two offers when combined, I dont think the information was adequately communicated for me to make an informed decision.

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 2019-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Genesis Lending
State: CA

Complaint narrative:
My school was started as a faud company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery has bought a debt from XXXX XXXX XXXX, in which the original creditor was XXXX XXXX. I paid the balance to XXXX XXXX XXXX. I currently have an open and good standing account with XXXX  XXXX that was opened in XX/XX/2018. Portfolio recovery is trying to collect on a debt in which I already paid. I have tried to dispute this with the credit bureaus and has had no success. Portfolio recovery has harassed me by calling my cell phone constantly and sending me mail!

Company response to consumer: Closed with non-monetary relief