vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: First Data Corporation
State: MI

Complaint narrative:
Company put a hold on my sons account..called they told me to fax documents..said it would take 2 to 3 business days..waited almost 2 weeks..called back company said they needed more information emailed information from my phone..while on phone with them..was told to send thru email so they said I had to call right back so I did they had me on hold for 25 minutes..finally got someone on the phone was told they were closed then she hung up the phone on 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 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
Google Pay will NOT let me send mo way to anyone and Ive sent documents proving who I am several times and they still wont let me send AND they refuse to give me a reason as to why not!

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 2019-07-10 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: NY

Complaint narrative:
This is an on going issue with the company. I recently had an investigation done into the matter and as of XX/XX/19 it is complete. In which, Transunion conducted an investigation into the issue and verified information on the account regarding an XXXX XXXX. According to transunion, the results were in fact that I did at one point have the account and XXXX updated the account as the balance was paid in full as per XXXX XXXX XXXX and I never missed one payment while in possession. I received the results of the investigation in the mail today. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT STILL HAS ERRORS. Number one, the account is listed as a charge-off. If the balance is in fact paid in full as reported and I owe {$0.00} as per the investigation this is severely misrepresented. A CHARGE OFF OCCURS WHEN THE NUMBER OF DAYS SINCE THE MOST RECENT PAYMENT REACHES 120 DAYS WITHOUT PAYMENT. THIS WOULD MAKE THE ACCOUNT DELINQUENT AND NO LONGER CONSIDERED CURRENT. This does NOT reflect my account at all. If i was delinquent XXXX would not have updated the account as paid in full after Transunion 's investigation. I never missed one payment therefore the account does not fall under a charge off. It's just a closed account. I have the results of the investigation if need be.

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 2019-07-10 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: CA

Complaint narrative:
This issue/problem is with XXXX. I have had my phone exchanged couple times, services not working, dropped calls, etc with their software. I tried months to resolve this issue, but their customer service kept putting me on hold and telling me that someone from technical support will call to troubleshoot the issues. They kept billing me enormously and hidden charges which I did not recognize. 
I called them to explain it to me and they failed to do that. Instead, XXXX XXXX  interrupted my services ( I did not have ANY DATA AND COULD NOT MAKE OR ACCEPT CALLS ) and kept charging me for reconnect fees, late charges, etc which really did not make sense when my services were interrupted and I did not have services. 

I respectfully request your company to investigate this and resolve this issues. I hope XXXX is not abusing any other customer like this.

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 2019-07-10 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have identified information in my credit file that is inaccurate. The findings are inaccurate from Diversified Consultants for a XXXX XXXX XXXX account. The balance was originated in XX/XX/2017 and paid in full in XX/XX/2017. I never received a collection notice from the above named Agency. I spoke only with the XXXX XXXX XXXX representatives. This is the sole reason that I am disputing this inaccurate information reported against my credit as being negative, it has adversely affected my credit which has been denied in the last 60 days. I request that the inaccurate report put on my file be corrected or deleted inaccurate, incomplete or unverifiable information. This is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2019 I mailed and filed a taxable event with the IRS and the US Treasury and gave notices and copies of the taxable event to the Discover credit card company.

Then onXX/XX/2019 Discover sent me a letter stating that they received communication from me or my agent indicating that I would no longer be able to meet the financial obligations on the account. And as result Discover has closed the Discover credit card account.

Since XX/XX/2019 to XX/XX/2019 ; I have called the Discover customer service telephone line several different times asking Discover to correct the mistake of closing the account and to re-open the account, but Discover has repeatedly told me the account can not be reopened and that Discover has the right to close the account at anytime according to the terms and conditions.

On XX/XX/2019 I called the Discover general inquire telephone line and spoke with XXXX, Agent XXXX in the Ohio office. She stated that Discover received correspondence from either me, my agent, or my

Power of Attorney stating that I would no longer be able to meet the financial obligations on the account, and to closed the Discover credit card. She explained that Discover 's terms and conditions states that Discover has the right to pull the credit from the account if it is determined to be in Discover 's best business practice. She provided me with an address to correspond to about the account at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. She further stated that once the accoun
t is closed that the account could not be reopened at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX I made an extraordinary payment of $ XXXX.- from XXXX XXXX XXXX to Citimortgage bank On XXXX I made a regular payment of $ XXXX.- from XXXX XXXX account to Citimortgage bank These payments never showed up in the statements. Around the same time Citimortgage passed the loan to XXXX for servicing the loan. 
In order to solve this matter we talked to XXXX XXXX and they talked to Citimortgage and Citimortgage said that I have to talk to them, witch I tried several times ( about 15 times ) and was impossible to contact Citimortgage, they always send me to XXXX, and XXXX said that this problem is Citimortgage to solve, and again was not possible to talk to them. I want this problem to be solve and to the money to be deposit to XXXX XXXX account. Please help me in this matter

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 2019-07-10 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: CA

Complaint narrative:
This issue/problem is with XXXX. I have had my phone exchanged couple times, services not working, dropped calls, etc with their software. I tried months to resolve this issue, but their customer service kept putting me on hold and telling me that someone from technical support will call to troubleshoot the issues. They kept billing me enormously and hidden charges which I did not recognize. 
I called them to explain it to me and they failed to do that. Instead, XXXX XXXX interrupted my services ( I did not have ANY DATA AND COULD NOT MAKE OR ACCEPT CALLS ) and kept charging me for reconnect fees, late charges, etc which really did not make sense when my services were interrupted and I did not have services. 

I respectfully request your company to investigate this and resolve this issues. I hope XXXX is not abusing any other customer like this.

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 2019-07-10 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: Larry H. Miller Group of Companies
State: WA

Complaint narrative:
I received an auto loan from Rally Motor Credit who stop reporting my Car loan to the credit bureaus and now they merged with another company called XXXX XXXX. I have been calling them for a month and now they tell me they do not report car loans anymore which took my score. I have no credit score now yet I am up to dat on all of my payments and have been current with a balance and still pay for the auto loan yet they refuse to report to the credit bureaus. I need some help please as I am trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: MO

Complaint narrative:
In XX/XX/2018 I noticed a company called XXXX XXXX XXXX show up on my credit reports. I immediately disputed it in which naturally all the bureaus didnt investigate at all. 

I then contacted the creditor and they explained that they didnt have anything about me and agreed to submit a deletion to the credit bureaus. Only XXXX deleted it. 

Since then in multiple phone calls, emails and disputes, XXXX  AND EQUIFAX REFUSE to delete it even though I have a copy of the deletion draft sent to each bureau. I intend to sue if its not deleted within 15 days from this communication. 

Its affecting my ability to close my construction loan into a conventional loan. This is completely unacceptable. I have real damages here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery is reporting a paid collection acct on my credit report for {$130.00}. I have not worked with this company nor do I have any collection acct with them. This information needs to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX SS XXXX XXXX XXXX. I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files.Please delete remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, Since XX/XX/2019, I have made 5 payments to my FedLoan XXXX loans : XX/XX/2019: payment of {$140.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$2800.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$140.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$140.00} made and confirmed by FedLoan email. 

However, these payments totaling {$3200.00} have not been reported to any of the 3 national credit reporting agencies, and is negatively impacting my scores. 

The misreporting of my FedLoan student balances to the credit agencies continues for years to be a significant recurring issue impacting my scores, finances, and family. 

Please help. Many thanks for your time and extraordinary wok. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: PRESTIGE FINANCIAL SERVICES INC
State: WA

Complaint narrative:
I received an auto loan from XXXX XXXX XXXX who stop reporting my Car loan to the credit bureaus and now they merged with another company called prestige financial. I have been calling them for a month and now they tell me they do not report car loans anymore which took my score. I have no credit score now yet I am up to dat on all of my payments and have been current with a balance and still pay for the auto loan yet they refuse to report to the credit bureaus. I need some help please as I am trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
In XX/XX/2018 I cancelled my old auto insurance XXXX XXXX XXXX. Co.policy # XXXX with plenty of time to switch to my new auto Insurance XXXX XXXX Direct Auto policy # XXXX. They have inaccurate information reporting that I failed to pay a balance of XXXX when in reality they failed to accept my auto insurance cancellation request. I made the request in a timely manner to avoid any problems. I asked XXXX to forward my new policy to XXXX, they assured me that they would forward the proof on my behalf. XXXX clearly did not uphold my request to cancel my policy with them. This is why I am disputing their inaccurate information put on my credit report. 
This inaccuracy has affected my credit which has been denied in the last 60 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: IL

Complaint narrative:
XXXX XXXX declined my car loan app in XX/XX/XXXX. They list the principal reasons for credit denial as follows : Income insufficient to meet credit obligation - ( I make XXXX per year ) LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX - I have owned this home since XX/XX/XXXX XXXX XXXX   specifically lists LexisNexis as the agency providing them with info that influenced their decision to reject my application : " We also obtained your credit score from LexisNexis Risk Solutions Inc. and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 
Your credit score : XXXX Date : XX/XX/XXXX Scores range from a low of 500 to a high of 900 Key factors that adversely affected your credit score : Eviction record found Lien/Judgement record found Number of inquiries in the last 12 months Number of sources confirming identity and current address '' I waited 30 days to receive Lexis Nexis full report that I could only request by USPS mail. I disputed the incorrect info ( by email ) and waited another 30 days for a response by snail mail only to find the damaging and incorrect data that Lexis Nexis is reporting will remain on my credit report even though I supplied numerous documents proving it is incorrect. I have attached all communication AND evidence proving they are damaging my creditworthiness and preventing me from obtaining credit! They should be sued for the damage they are recklessly causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: MO

Complaint narrative:
In 2018 I noticed a company called XXXX XXXX XXXX show up on my credit reports. I immediately disputed it in which naturally all the bureaus didnt investigate at all. 

I then contacted the creditor and they explained that they didnt have anything about me and agreed to submit a deletion to the credit bureaus. Only XXXX deleted it. 

Since then in multiple phone calls, emails and disputes, TRANSUNION AND XXXX  REFUSE to delete it even though I have a copy of the deletion draft sent to each bureau. I intend to sue if its not deleted within 15 days from this communication. 

Its affecting my ability to close my construction loan into a conventional loan. This is completely unacceptable. I have real damages here.

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 2019-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I was behind in my car payment in the amount of {$830.00}. I was granted an extension to move 2 payments total amount of {$480.00} to the back of the loan. I was advised to pay {$230.00}. When they put the 2 payments to the back of the loan it took care of XXXX payment and I paid XXXX partial payment of {$340.00} per the extension agreement to bring the account to a {$0.00} balance. It was not in WRITING that I would have to pay a regular car payment again in the for XXXX payment of {$480.00} when I paid {$340.00} in XXXX. Its my understanding when you make a payment that should get you current so the next payment would be in XXXX. This is a violation of UDAPP. 
I would like an explanation as to why would I have to pay a total of {$810.00} if granted an extension for a total of {$480.00} which is two bi/weekly payments of {$230.00}. Why didnt the extension agreement indicate any of this. The extension agreement just stated I was granted an extension never outlining when the next payment was due or the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX SS XXXX DOB XXXX. I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files.Please delete remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX SS XXXX XXXX XXXX. I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files.Please delete remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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