vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been trying for 2 days to obtain my credit report from Equifax. Unable to obtain it online as every browser I use gives me the same response. " Site can't be reached '' or " can't find the server ''. No problem getting my report from XXXX or XXXX. Accessed online chat with Equifax and explained my problem. Advised I had to call their customer service number. Gave some stranger in a foreign call center all my secure information only to be told I had to make a copy of my ss card and drivers license along with a cover sheet and fax it in to get my report. No one I can speak to regarding the functionality of their website and no other options given. It should not be so hard to get my report. Checked online forums and it seems that this is a pattern with Equifax making it difficult for people to access their reports. This situation needs to be looked into asap. Extremely unfair to the consumer not to mention the security risk in giving some stranger overseas all your secure information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 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: IL

Complaint narrative:
I opened an account with XXXX XXXX in XX/XX/XXXX and I had to pay my account by XX/XX/XXXX which was 60 month term loan. 
I paid off my account in XX/XX/XXXX, 9 months early. 
I received a letter from XXXX in XX/XX/XXXX stating I have {$29.00} dollars with {$10.00} late fee still to pay and I paid that immediately upon receiving the letter, this was my only notification. 
I am an XXXX and XXXX XXXX with a busy schedule. 
My understanding was that I had paid off my account in XX/XX/XXXX. 
Now chase reported that I had a late payment. 
The late payment they say is for {$39.00} dollars which was my interest only and I wasn't aware till I received the letter. 
I did not get a phone call at all regarding my payment. 
I have requested them to remove my late payment, they said they do not see any late payments which is true but refuse to take the 30 days late payment off from my credit report. 
I have tried several times but unfortunately they said they can not remove it and asked me to dispute with the credit bureau. 
I would like CFPB to request the XXXX XXXX XXXX to remove the late payment of {$39.00} dollars from credit reports which was the interest money after I paid off my principal amount in XX/XX/XXXX. 
Can you please address this and remove the late payment from my credit report payment history. 
My intention was to pay off my auto loan as soon as possible. 
I think it is only fair that the interest amount should not be made my late payment after I completely paid off my 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 2019-04-01 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: IL

Complaint narrative:
I opened an account with XXXX XXXX in XX/XX/XXXX and I had to pay my account by XX/XX/XXXX which was 60 month term loan. 
I paid off my account in XX/XX/XXXX, 9 months early. 
I received a letter from XXXX in XX/XX/XXXX stating I have {$29.00} dollars with {$10.00} late fee still to pay and I paid that immediately upon receiving the letter, this was my only notification. 
I am an XXXX and XXXX XXXX with a busy schedule. 
My understanding was that I had paid off my account in XX/XX/XXXX. 
Now XXXX reported that I had a late payment. 
The late payment they say is for {$39.00} dollars which was my interest only and I wasn't aware till I received the letter. 
I did not get a phone call at all regarding my payment. 
I have requested them to remove my late payment, they said they do not see any late payments which is true but refuse to take the 30 days late payment off from my credit report. 
I have tried several times but unfortunately they said they can not remove it and asked me to dispute with the credit bureau. 
I would like CFPB to request the XXXX XXXX XXXX  to remove the late payment of {$39.00} dollars from credit reports which was the interest money after I paid off my principal amount in XX/XX/XXXX. 
Can you please address this and remove the late payment from my credit report payment history. 
My intention was to pay off my auto loan as soon as possible. 
I think it is only fair that the interest amount should not be made my late payment after I completely paid off my 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 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America deactivated my card in XXXX or XXXX of XXXX, because of a data breach, and issued me a new account number. On XX/XX/XXXX they allowed XXXX XXXX to charge my deactivated account {$120.00} for an automatic renewal of a membership. It was posted on XX/XX/XXXX. I DO NOT NOW, NOR HAVE I EVER HAD A MEMBERSHIP TO XXXX XXXX. The account is my brother-in-laws account that we have used on several occasions. They allow up to 5 people to use the account. The charge was made to the de-activated card and posted on the bill for my current account. After a lengthy time on the phone, and speaking to 4 different individuals, they finally conceded that I don't have a recurring payment. They did insist that it is their policy to allow the charges in a case like this, and that anyone that uses the XXXX account can be charged. After a supposed investigation, by XXXX XXXX, I was told again that it is their policy to allow charges like this. I don't accept that answer, which was delivered to me by phone, by XXXX XXXX. I may have been able to come to terms with it had the charges been made to my current account. I would like to know that I have some protection from this kind of thing ever happening again. XXXX was wonderful about straightening this out on their end. I will be closing my account, but I fear anyone can make a charge to that account, and that there is nothing I can do about it.

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 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MA

Complaint narrative:
Good afternoon, thank you for assisting with my issues. On XX/XX/XXXX I learned that my loan servicing was transferred from XXXX loan servicing to PHH mortgage. I was given a contact of XXXX XXXX ext.XXXX. I called to make a payment, and no one answered the phone. At that time I was 2 month behind and had a late fee of roughly {$1900.00}. I made 2 mortgage payments over the proceeding 3 weeks by the automated phone payment center.I have all the documentation ( i did have a routing number issue on a couple attempts ). After multiple calls on hold for hours, I had reached a customer service rep and was told i could get current with a payment of roughtly {$3900.00}, and made that payment around XX/XX/XXXX. I was told the late fees were removed, due to federal law with a new servicing provider, and made a payment of roughly {$3900.00} bring me current, which I did. I thought it was somewhat resolved aside from the illegal, inexplicable chargers and lack of customer service until..days later I got a letter and I owe over {$11000.00}. I realized payments were missing, there were payments not being applied and the escrow was off, there were fees piling on. The account was in suspense dated back to XX/XX/XXXX. I make a payment to get current and then this, heartbreaking. I asked for an escrow break out, never got it. There are funds that are currently missing.Full payments missing. Please help with holding this Lender accountable. I have all bank records and letters to verify these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX, XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of XXXX credit account # XXXX is not been reported with Transunion and XXXX as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All XXXX XXXX has to do is communicate with Trasnunion and XXXX and add my Tradeline with them. 
XXXX XXXX Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of 30-40-60-90 days that needs to be remove as this credit trade line was reaffirmed in Federal Court on XX/XX/XXXX Bankruptcy chapter  XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, Texas Federal Judge. 
I am respectfully XXXX and XXXX XXXX and a US XXXX XXXX Military Veteran.

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 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX, XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of XXXX XXXX account # XXXX is not been reported with XXXX and Equifax as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All XXXX XXXX has to do is communicate with XXXX and Equifax and add my Tradeline with them. 
XXXX XXXX Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of XXXX days that needs to be remove as this credit trade line was reaffirmed in XXXX XXXX on XX/XX/XXXX Bankruptcy XXXXr XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, XXXX  XXXX XXXX. 
I am respectfully Retired and XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an account with Georgia XXXX XXXX that was open for 1 month for a rental home I sold. They never sent me a bill for that month and then sent me to collections. The collections company, XXXX XXXX XXXX, claimed they tried to reach me. However, they would call and ask me my name and SSN without telling me who they are and I thought they were a scam. When we finally figured it out we paid immediately. However we never received ANY written notice and GA XXXX XXXX claims they sent us one bill. The collections agency, who never properly identified themselves reported this to company. I would like to see how to resolve this as neither the collections or Georgia XXXX XXXX were helpful.

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 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
A few months I sent Diversified Consultnts a letter stating I never received any info notifying me about the debt. I understand that I have 30 days to dispute their claims. I sent a letter asking them to validate the debt. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. The proof initial letter was sent notifying me of the debt. 
2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9.. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was trying to make a large purchase at a furniture store and in order to do so they needed to pull my credit. I was advised there was no information for the ss # I provided. A search was conducted several times but to no avail and was advise to contact Experian to see why there was not information with the ss #. I called several numbers for Experian and could not get to a customer service rep due to the automated system does not have the option on any of the # 's I tried. ( XXXX, XXXX, XXXX ) This is very frustrating since it took me over an hour to finally find a number to transfer me to a customer service rep. I finally found and called XXXX and waited for 15 minutes for a representative. He advised the report pulls fine and the lender must have done something wrong. I am not satisfied with that response and an investigation is in process to see if Experian can figure out what went wrong. 
My complaint is more about the consumer is not provided an option in the automated system for the numbers ( XXXX, XXXX, XXXX ) to transfer to a representative. All numbers should have an option to speak to a live person.

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 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/2018 I paid off my car loan early. As a result my credit score was penalized and I lost many points, going down to XXXX. Prior to that I believe my score was somewhere between XXXX and XXXX. I pay my bills on time and don't accrue debt that can't be paid off quickly. I worked hard to build my score back up, often by using the credit card and having to pay interest. For almost a year 's worth of effort I got my score back ( via FICO-8 Experian ) to XXXX. I recently purchased a computer, that I could have paid cash for or paid off on one payment. My Experian credit account got hit and I lost 7 points, going from XXXX to XXXX, undoing a years worth on interest and effort. I tried filing a complaint/dispute on their website but there is nothing that allows you to dispute a score. I filed one anyway about incorrect information. Via social media they have asked for me to " DM '' them but have not responded to my inquires or challenges to their logic. They do not make it easy to understand how your score is generated. For someone with " Excellent '' credit I got hit for being responsible with my money when I paid off my car/loan early and I also got hit for using my credit card the way it was designed to be used. Experian and others get to collect data on us and use it to their advantage, we are the " product '' but they don't respond to us in a timely manner and treat us with respect.

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 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian keeps sending me letters claiming they can not identify me and requiring that I re-submit all the information I have already sent. Clearly they do not want to do anything but ask for information they refuse to accept. 

Included in the pdf file to be attached is a copy of my reply to the letter received in today 's mail ( XXXX ) and the documents resubmitted to them by mail on XXXX responding to their letter to me received that date.

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 2019-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I purchased an item in XX/XX/2018. I called paypal since the item I received was defective. They recommended I call my credit card company to report an unauthorized purchase. I knew this was unethical so I told the representative to go through with a return. I was told I would receive a refund for shipping. I returned the item and paypal removed the item from my account so I can not follow their process to get a refund. I have emailed them 10 times and they do not read my response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
After filing a complaint via cfpb against Mr. Cooper Mortgage in XX/XX/2019, I was verbally, and in writing, told our initial new mortgage payment would begin XX/XX/2019. However, today, XX/XX/2019 I received via US Mail a statement that reflects the initial mortgage payment listed as XX/XX/2019 ... that's today! 
Below is an extract of their response from the previous " bankruptcy '' complaint I filed in XX/XX/2019. 

" After review, we have confirmed that you did not file for chapter XXXX bankruptcy and will have the bankruptcy information and coding removed from the account. Also note that there will be no negative effect to the credit. The account currently shows as due for XX/XX/2019. " ( Complaint # XXXX ) Sadly, this is the second complaint I find it necessary to file prior to the initial payment with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX i was notified by bluebird that there was an ATM withdrawal in the amount of XXXX in Florida. I filed the dispute and showed proof that was at work in TN when this happened and my claim was still denied I called back and was told to provide a police report which i did and my vlaim was denied. I sent an email per American Express as the card is through them and never received a response back. When i called today because my claim was denied again they XXXX with badge number XXXX advised me to contact the ATM or nank but could not give me the name of the bank or a number to contact. I believ my card was clonned while using it at the mall. I am not aure what else to do. He was able to give me an address of XXXX XXXX XXXX XXXX in XXXX Florida.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: AZ

Complaint narrative:
This is my 3rd attempt to get my credit report with my good accounts, delete all errors-wrong names and addresses per FCRA. 
I need a new corrected report and credit accounts on the report asap!! 
I need corrected report with my credit and score by XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I'm in the process of withdrawing my pension funds.I 'm a former Citibank employee my date of separation was XX/XX/XXXX. 

I've had conversations with the benefits department from XX/XX/XXXX up until today XX/XX/XXXX.I was continually told that I would not be able to have the funds until XX/XX/XXXX at the earliest. 
Each time I explained to the representative that this is a financial hardship and that I need the funds as soon as possible. I also asked numerous times from XXXX the representative I spoke to today XX/XX/XXXX why does it take 30 days? XXXX responded by saying it takes that long to process and again I said to her I know it does not take that long. Once it's reviewed it can be submitted for payment, still no answer, just that's how long it takes as per XXXX in the benefits department. 

I'm at a point where I need whatever help you can give me to get these funds transferred. I returned my pension kit this afternoon at XXXX Arizona time.

Company response to consumer: Closed with explanation