vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 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: NJ

Complaint narrative:
I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM TRANSUNION AND XXXX. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED XXXX XXXX ON MY CREDIT THAT XXXX  AND TRANSUNION SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.

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 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Filed a loan modification in XX/XX/XXXX ( due to issues with hurricane Irma ) with Freedom Mortgage. Made all payment as required on time. Began getting notices of no payment. Supplied proof of payments and dates. Problem escalated recived letters saying we owed upwards of {$22000.00} dollars. We hired an attorney. Freedom Mortgage acknowledged the mistake multiple time over the course of multiple hour plus long calls. We had promises of reviews, returned calls, and corrections to our credit. Nothing promised by Freedom Mortgage was done. XX/XX/XXXX payment was refused and returned. XX/XX/XXXX Freedom Mortgage informed us via conference call with our attorney that they had filed for and were proceeding with foreclosure. Our attorney requested that the service be sent to there address. The representative went so far as to refuse to acknowledge that they would comply. We are still making our payments to a trust set up by our attorney. Due to the false derogatory reporting on there part, we have had an increase in our auto insurance rates, we are unable to refinance with another company taking advantage of the lower rates, and accessing the equity in our home.

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 2020-02-12 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: Colony Brands, Inc.
State: DC

Complaint narrative:
I challenged some information on my credit report, which the creditor is listing as a charge off. I have documents that prove I paid off the account in full, and when I filed a dispute, the creditor not only kept the erroneous information on my record, but that information resulted in a drop in my credit score. I had a credit score of XXXX ; it is now XXXX after the dispute was filed, so I am also alleging retaliation for the dispute by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
1. Applied for CC online for XXXX/XXXX  Card 2. Received letter stating " unable to approve your application because : The consumer reporting agency serving your area has reported only a limited credit history for you. '' - in fact my credit history is extensive and 'excellent ' 3. Called XXXX indicating that the Name on the app was misspelled, I have extensive credit history, and upon calling XXXX on the phone, they could not locate my SSN ( provided on the app ) 4. After talking to XXXX, they took my info and provide same result ( based upon data from Experian ), i.e. " unable to approve your application because : The consumer reporting agency serving your area has reported only a limited credit history for you. '' 5. I  called Experian this XXXX ; ran FICO score - score is 810+/excellent 6. Can't get anyone on phone at Experian to explain what they actually provided to XXXX  7. Experian online process does not enable this type of 'dispute ' to be handled Goals : 1. Avoid incorrect reporting of this CC request 2. Understand what Experian reported to to XXXX  3. Point out to CFPB Experian provides no mechanism to provide this information to customer leaving customer in the lurch ( not handled via 'dispute ' on line process and no human available ) - is this apppropriate?

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 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: PA

Complaint narrative:
When I was XXXX in the year 2013, I accepted a credit line for XXXX XXXX dollars from discover. I was able to keep up with the payments until I allowed my mother to use my credit card to pay her bills. She eventually used every dollar I had available through my discover credit line and my account became delinquent. Now I am XXXX and I would like to better my credit situation by any means necessary. I would hope to be able to set up a payment plan now that I have a steady income available in order to better my credit. I dont know who to contact about setting up a payments plan. So hopefully this could be the first step towards bettering my credit situation. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: UT

Complaint narrative:
XXXX XXXX XXXX removed a 30 day past due entry from my credit reports. Experian still shows it and it is impacting my credit score negatively

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 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Final letter written on XX/XX/2020 included copy of credit card application and my drivers license issued in the state of NY clearly showing the signatures do not match. Also was not living in residence the card, statements or letters were sent. That was my ex-wifes home. They have attached to my credit report showing collections for XXXX ( old XXXX XXXX account ). I even attached a copy of my current XXXX XXXX account showing good standing. Company keeps sending letters stating the account is valid when clearly it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the account was mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: RI

Complaint narrative:
I gave permission to the XXXX XXXX to initiate a background check on XX/XX/2020. The company First Advantage would be conducting my background check. The results of my criminal history came back with a felony instead of a misdemeanor, I have never been charged with a felony. I believe this misleading information would significantly hinder my ability to work for this employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Greetings, I have tried to request a payoff quote for my loan that I signed on XX/XX/2020. 
There is still no record of the loan, but I am incurring daily interest on a loan that I can not pay off. 

I have no way to stop accruing interest on this loan and I was not quoted an exact date of when I would be able to get a payoff quote due to the nature of how Honda Financial Services operates internally. 
This system guarantees that consumers will be forced to pay a minimum interest amount due to the inability to pay off the loan until it is " In their system. '' I have called on XX/XX/2020 both to Virginia help center and New York help center and they verified that I will be accruing the per diem without any way of paying off the loan, admitting to a minimum guaranteed interest payout. 

Honda Financial Services VA - XXXX Honda Financial Services NY - XXXX XXXX XXXX XXXX  VA - ( XXXX ) XXXX On XXXX  XXXX, I was able to create an account and request a payoff. My incurred interest was {$8.00}. This was unavoidable based on the system set up by Honda.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to dispute my credit report, there was many discrepencies post on XXXX  XXXX  site bothe with XXXX and equifax. I disputed some items on XXXX  side of XXXX  XXXX then went to post disputes on equifax site and it blocked me from doing so saying my wifi dropped..it did not drop at all just a blocking tactic.im using the same wifi to send this message to you minutes later after attempting to dispute the incorrect aligations on my reports..the dicrepencies has made my hard work keeping a high score impossible..these action against me has dropped my score over 42 points just on these recent discrepancies and 10 points the first time in 2 weeks..these discrepencies were added to my account before the next 21day credit reporting scheduale..these credit repoting companies tied to XXXX  XXXX pretty much change your score if it gets any kind derogatory information in a blink of an eye and any good information is applied in 30 days..these practices are very unfair to the comsumer and are life changing everything you do is based on your credit report, loan rates, housing, mortgages, applying for credit, so on and so on.I have no wau of sending documats to show these credit number drop because I'm using XXXX  XXXX   site to report this and do not want to loose this report doing so..NOTE .the CFCB system will not take my ssi number reporting..NOTE I WOULD LIKE THIS REPORT TO GO TO XXXX  XXXX  TO.THERE ARE NOT LISTED UNDER YOU SYSTEMS LIST OF CORPORATIONS LIST.thank you XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: WI

Complaint narrative:
I have a loan with NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX and NAVIENT with no successful resolution. XXXX, XXXX, and XXXX are reporting me late. There was definitely an error on their part. I was never late from XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MN

Complaint narrative:
Citi once again you failed to indicate on the credit reports that XXXX is now the official debt handler Federal law require all creditors anytime that a placement or purchase has taking place it is a requirement By law its a federal law! I have sent you proof That its not reporting by law you have to remove this account from all credit files for failure to indicate on the 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 2020-02-12 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: Motolease, LLC
State: TX

Complaint narrative:
XX/XX/XXXX I received an email about a rewards program that Motolease ( this is the company that I have lease with ) mentioned that I could earn rewards based on my on time monthly payments. One option is that if I got XXXX points I could get my lease repriced. ( The company had given me points for my previous on-time payments that were made prior to the rewards program so I got my points a year later ) XX/XX/XXXX is when I hit my XXXX points. I called Motolease that same day requesting that I use my rewards to get my lease repriced. 
On XX/XX/XXXX I got an email from Motolease stating to sign my new repriced lease. The repriced lease resulted into me having a new account number and a new payment date of XXXX of every month. My reprice lease amount at the time of switching from the old account to the new account was {$7700.00} with a payment amount of {$280.00}. 
When XX/XX/XXXX came I notice that my auto debit payment hadn't been taken out of my account so I called Motolease to make a payment which I was instructed to make a payment on my new account since the old account is closed.I also mentioned to the rep that I was getting calls about the payment being late on the old account and if I should a payment on the old account and I was told no that any calls or emails that I receive I should ignore because it is computer generated.I asked will it effect my credit and I was also told no because I am making a payment on the new account and that she will make notes on old account that I am now making payments on my new account. 
On XX/XX/XXXX I made my second payment on my new lease account over the phone with Motolease. 
On XX/XX/XXXX I made my third payment on my new lease account over the phone with Motolease. 
Another issue is when Motolease closed my old account they reported that I missed XXXX and XXXX payment but made notes that my credit report that my last payment was XX/XX/XXXX. 
But on XX/XX/XXXX Motolease also reported on my credit report that my account is closed with " FULL TERMINATION : OBLIGATION SATISFIED '' Now on my new account Motolease is reporting on my credit report that I am 30-59 days late but also has that I am in good standing with my account. ( How confusing is that? ) And also, XX/XX/XXXX Motolease updated my account from being 33 % late to 100 % late after I disputed the inaccuracy through XXXX on my new account. 
Then on XX/XX/XXXX Motolease came back and stated on my credit report that I went from 100 % on time payments to 67 % on time payments on my old account. 
This has been a mess from the time that I got my lease repriced to currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Zip Co US Inc.
State: OH

Complaint narrative:
I applied for QuadPay through their app. The only information needed is my name, email address, home address, phone number, and a debt/credit card. Upon filling out all the required information, I was told that I was unable to be approved to use QuadPay. There is no credit check ran for the use of this service. I contacted customer service on XX/XX/2020 to see why I was unable to get approved. After the rep told me she would investigate further to see what the issue is. After stating she investigated, she told me again that I was unable to be approved for the use of QuadPay. When I asked why that was, she stated that they can give that information. After asking why they couldnt give that information, she stated its because of fraud. Based of the required information during the registration for the service, theres nothing that would indicate fraud taking place. As previously stated, the only required information for this service is Name, email address, home address, phone number, and a debt/credit card. I feel as though this company is discriminating against people for either their name or geographical location, because like I said before, there is no credit check for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
Google pay has no refund policy on scamsters. I told Google just 5mins. from the transaction message. They have not helped me at all. They have been going in loops. Now they want me to get the money back from some scamster. I don't even know. I need full refund. I would never ever recommend anyone to Google pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: NY

Complaint narrative:
Southern Management XXXX located at XXXX XXXX XXXX XXXX florida XXXX -- They are stating i owe an amount of money but cant prove it, i tried to negotiate with them but they are mean rude and hang up the phone with immature statements like " im not going to do this '' " uh oh i dont take attitude '' and a bunch of other silly comments that result in hangups thus making it impossible to get to the bottom of the collection issue. I have asked them for proof of debt for 7 months and they say check your credit report which they damaged, it is the only debt in collection that i have. I practically beg for proof of debt, apparently the debt is owed to a business that is now defunct. Please help get to the bottom of the abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In Q4 XXXX, an account co-owner was removed from our Chase Rewards credit card account and ownership was transferred to me. I provided required documentation to assume this ownership and provide my identity. We have consistently made timely, full payments and been customers since XXXX. On XX/XX/XXXX, I learned my account was closed because my employees were unable to purchase gas. I logged in online and saw a notice that my account was closed. I called customer service immediately and was told that one call was placed to me in XXXX. I was told that they didn't receive an answer and didn't leave a message. Then, a letter was apparently mailed on Friday XX/XX/XXXX, which I have not yet received. My account was closed on Monday, XX/XX/XXXX because, as I was informed for the first time, " some piece of information I submitted in XXXX was hard to read/see. '' Neither the customer service representative, supervisor, nor floor manager with whom I spoke could confirm which piece of information I submitted was illegible. I was told they didn't have the authority over the phone to re-open the account. I was directed to send a communication online and fax a letter to see if someone else could resolve the issue. It was suggested that I open another account. I sent the message and the fax. I have not heard a response from Chase. 

The mishandling of this situation interrupted my business as employees out in the field can not purchase gasoline or supplies, caused distress for me and my employees, and has taken my time away from managing my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
I received an offer in the mail from HSBC to get a {$370.00} bonus if I were to open a new checking account, bring in {$10000.00} of new money and leave it on the account for 90 days at least. 

I opened in XX/XX/2019 a new checking account at HSBC, as a new customer and deposited {$10000.00}. In XXXX, I called HSBC customer service telling them that I wanted to close the account but noticed that the {$370.00} bonus was not deposited. They said that they would open a case but that I could not close the account if I wanted the bonus. I then went to a branch and withdrew my {$10000.00} through a cashier 's check, waiting for the bonus to get credited soon. 

In XXXX, still no {$370.00} and I had received a letter stating that my account was overdrawn and in collections. I called HSBC customer service to understand what was happening. They said I was charged a monthly maintenance fee since I had not met the minimum balance requirements. I told them about the open case for the {$370.00}, which was the only reason why I did not close my account, waiting for the money to be credited to my account. They said they would look into it, make sure I get the {$370.00}, send me a check and close the account. And as a courtesy wave the monthly maintenance fee I was charged! 

In XXXX, I received another letter from HSBC stating that my account was overdrawn and in collections. I called HSBC customer service again and someone said they had to look into the case that was open for my {$370.00}. They called me back that afternoon to outline ( without explanation ) that I did not qualify for the {$370.00} they had promised me and that they had closed the account.

Company response to consumer: Closed with explanation