vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-09 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: KS

Complaint narrative:
After speaking with Discover Card regarding their illegal activity ( pulling from a known closed checking account ) I filed a complaint with the CFPB. Subsequently, Discover Card has maliciously closed my account. 

Discover Card clearly must be audited for their illegal and discriminatory practice 's. Consumers have a right to dispute charges as well as file a complaint without having to feel their account, credit, or access to credit will be put into jeopardy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After Hurricanes in Florida, last XXXX, Bank of America offered payment forbearance on equity loan XXXX, 3 months, which I accepted. My understanding at the time, and with subsequent phone calls to my " account manger ( s ) '' XXXX, and then XXXX, was that the deferred payments would be tacked on to the back of the loan. 
once I started making payments again, in XXXX, unbeknownst to me, the bank reported me late, and owing {$3200.00}. As of recently they have me as 90 days late! 
This is destroying my credit, costing me money, and making for a finacial hardship with rising credit costs, and refusals for new credit. EVERYONE AT BANK OF AMERICA THAT I HAVE SPOKEN WITH AGREES THIS SHOULD NOT HAVE OCCURRED AS THE ACCOUNT WAS IN FORBEARANCE.The account manager explained they were " behind '' in their paperwork for the final agreement to be signed, but she would remedy the credit reporting.A few weeks ago I again spoke with XXXX XXXX XXXX, who again, " spoke with her manager '' and the neagtive credit report would be removed. IT HAS 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 2018-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX and my idenity was compromised while serving in the United States Military. The following student loan account were fraudulently opened in my name and are reporting as closed accounts on my Experian credit file. I am requesting that the items below be removed from my credit report. 

1. The XXXX / XXXX -> Account # XXXX 2. XXXX XXXX XXXX Account # XXXX 3. US Dept Of ED / XXXX Account # 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 2018-08-09 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: Michael Andrews & Associates LLC
State: FL

Complaint narrative:
Good Morning, My name is XXXX XXXX. I have previously contacted the CFPB in the past ; concerning this company continuing to check my credit ; resulting in unauthorized Hard Inquires. From my understanding ; the bought the debt that was owed on a repossessed car from XXXX XXXX XXXX. After the car was sold ; first investors stated that I owed {$10000.00}. They stated that they failed to update my address to the one that I had provided ; so they were willing to accept 25 % of the balance. Due to their mistake. I asked for this in writing ; I never received. When I called sometime earlier this year ; was told that XXXX ; which is also " Michael Andrews and Associates ''. This company is not willing to work with me ; they have filed a lawsuit against me for almost {$13000.00} ; which is more tan what is owed. Now, they keep checking my credit for no reason. When I called and asked them the reason ; they say they purchased the loan,, and can check my credit as many times as they want. I think this is a violation of my rights ; I never signed anything with this company,, and I have asked them to refrain from checking my credit ; they are causing unnecessary hard inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -XXXX- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, XXXX, TransUnion and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: FL

Complaint narrative:
All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -XXXX- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, Experian, XXXX and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I reached out to MoneyGram because I could not log into my account which I have used DOZENS of times. He informed me that Money Gram closed my account for security purposes. I never received any notification. I was never informed and when I asked to speak with someone to clarify, I was told no such person exists. I expressed my concern about them now having all of my personal data and I have no way of accessing it again. I was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: IL

Complaint narrative:
XXXX  and Equifax I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My loan is showing that I have not paid it since XXXX and that is I correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: Autovest, L.L.C.
State: FL

Complaint narrative:
Good Morning, My name is XXXX XXXX. I have previously contacted the CFPB in the past ; concerning this company continuing to check my credit ; resulting in unauthorized Hard Inquires. From my understanding ; the bought the debt that was owed on a repossessed car from XXXX XXXX XXXX. After the car was sold ; first investors stated that I owed {$10000.00}. They stated that they failed to update my address to the one that I had provided ; so they were willing to accept 25 % of the balance. Due to their mistake. I asked for this in writing ; I never received. When I called sometime earlier this year ; was told that AutoVest ; which is also " XXXX XXXX XXXX XXXX ''. This company is not willing to work with me ; they have filed a lawsuit against me for almost {$13000.00} ; which is more tan what is owed. Now, they keep checking my credit for no reason. When I called and asked them the reason ; they say they purchased the loan,, and can check my credit as many times as they want. I think this is a violation of my rights ; I never signed anything with this company,, and I have asked them to refrain from checking my credit ; they are causing unnecessary hard inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: CT

Complaint narrative:
I have sent 4 letters on XX/XX/2018,XX/XX/2018, XX/XX/292018, XX/XX/2018 all certified mail. 
According to the Fair Credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified  accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Verify or remove accounts listed. Thank you for your prompt assistance 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 non-monetary relief
Consumer complaint received 2018-08-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/2016 ; I was living in a XXXX XXXX. I was XXXX XXXX XXXX   with my daughter. And, i also had XXXX XXXX year old boys. During this time ; my purse was stolen ; along with all of my personal information for my kids and I. I believed that the person responsible name is XXXX XXXX ; but that is all i know of the woman,. i have called XXXX and XXXX, and they have removed the fraudulent inquires without a problem. But, XXXX refuses. I will attach a screenshot of the companies that were contacted ; and resulted in hard inquires. I have contacted them each myself, and they all stated that they can not locate me in their system.

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 2018-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
On XX/XX/2018 The City Of XXXX Va waived my Realestate Tax becuase I am a XXXX XXXX XXXX XXXXXXXX veteran. On XX/XX/2018 I notified alantic bay Mortgage of the waiver and provided them the documentation from the city of XXXX. 
I was told within 30 days I would have my escrow funds refunded to me. Since then I have called the company five times, three seperate emails and spoke to a " supervisor ''. 
The company has never returned my emails or called back to notfiy me that it has been corrected. As of XX/XX/XXXX, it is now six months and the issue remains, with XXXX dollars in escrow which is not needed. With the waiver of taxes my payment will decrease by XXXX dollars a month. 
I have reached out to the XXXX XXXX XXXX and Alantic Bay has not even responded to them. 
It just amazes me that this company would treat anyone like this, not to mention a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/2016 ; I was living in a XXXX XXXX. I was XXXX XXXX XXXX   with my daughter. And, i also had XXXX XXXX year old boys. During this time ; my purse was stolen ; along with all of my personal information for my kids and I. I believed that the person responsible name is XXXX XXXX ; but that is all i know of the woman,. i have called XXXX and XXXX, and they have removed the fraudulent inquires without a problem. But, XXXX refuses. I will attach a screenshot of the companies that were contacted ; and resulted in hard inquires. I have contacted them each myself, and they all stated that they can not locate me in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09 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: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/2016 ; I was living in a XXXX XXXX. I was XXXX XXXX XXXX   with my daughter. And, i also had XXXX XXXX year old boys. During this time ; my purse was stolen ; along with all of my personal information for my kids and I. I believed that the person responsible name is XXXX XXXX ; but that is all i know of the woman,. i have called XXXX and XXXX, and they have removed the fraudulent inquires without a problem. But, XXXX refuses. I will attach a screenshot of the companies that were contacted ; and resulted in hard inquires. I have contacted them each myself, and they all stated that they can not locate me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: TN

Complaint narrative:
I have a car loan with XXXX XXXX. My car note is due on the XXXX of every month. XXXX reported I paid 30 days past due which is not the case. My note due XX/XX/XXXX was paid XX/XX/XXXX. When you look at XX/XX/2018 calender that is not 30 days late. Since it is not 30 days late I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/2018 I submitted my IBR recertification. On XX/XX/2018 I received my results for my new IBR payments. I submitted a request to recalculate the amount shortly thereafter, requesting that the PAYE repayment plan be applied to my student loans. On XX/XX/2018, I was informed that four of my loans will have an IBR repayment amount of {$140.00}, while my remaining 18 loans were put on STANDARD repayment. I never requested my payments to be on standard repayment and I absolutely can not afford Standard repayment, as shown in my IBR applications. My upcoming bill for the month of XXXX is over {$4000.00} which would obliterate my ability to pay my bills and feed my children. 

This is the second time I've had the utilize the CFPB to get XXXX XXXX to do it's job and apply all of my loans to a consistent PAYE repayment plan. I shouldn't have to invest literally hours of my time fighting with XXXX, resubmitting documents, for them to do their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
Disputed with the company on XX/XX/2018 company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've Yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On Tuesday I contacted Capital One because I need to reset my pin number because I have a got it they was on able to do so so the agent sent me out a new pin number in the mail and she told me that I can go outside of any bank and do the cash advance so I asked her if I do that when I received a fee for that she said no and I said OK fine well today I notice I received a {$10.00} fee so I contacted Capital One and asked him about it and I asked XXXX wants not twice but three times for them to play for me on hold and to have their car retrieval because the agent told me I was not going to receive that fee every time up contact Capital One Im being told different information and is kind of frustrated as a customer so I think at this point that fee needs to be taken out as my inconvenience

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ).

There is an entry listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that someone with a similar name to mine filed bankruptcy in the XXXX XXXX of Florida U.S. Bankruptcy Court, and it has appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. However, it remains. 

I searched the PACER system and I have contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau information relating to any bankruptcy cases, and that your information is from an online service such as XXXX XXXX & XXXX XXXX XXXX. I have searched PACER for information pertaining to this listed Public Record, and the address listed on the court filings is not my address, and I have never lived there. 

As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. to report erroneous information on a credit report. I demand that Experian expunge the reporting of a bankruptcy entirely, as it is a willful violation of the bankruptcy reporting requirements of 15U.S.C. 1681c ( d ) ( 1 ).

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