vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 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: FL

Complaint narrative:
I tried to get my credit report from all 3 bureaus and I was able to get it from two, XXXX and XXXX, but Equifax wasn't table to send it because they say they don't have a record on me on file, even though the other two bureaus have all the correct information.

I've been living in the US for 18 months, have a work visa ( XXXX ) and a social security number as well, have credit cards and other credit lines with no problems.

Equifax sent me a letter stating that they don't have a file on my name and they even misspelled my name in the letter they sent, totally unacceptable and worrisome. My name is XXXX XXXX XXXX, not how they spelled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: IL

Complaint narrative:
So last month I contacted the CFPB in regards to my loan company Carmax XXXX in regards to putting the two months late payments in the rear or the end of my loan, as well as changing my monthly payments due date. At that time I was referred to XXXX ( who by the way was great with the entire process ) However I was told that if I made to payments that they would put the final payment which would have been XX/XX/XXXX Payment in the end of the loan. Which I did make the two payments as requested and required. However I still that late payment and my account is still 30 days past due and I am still getting threatening collection calls and letters from carmax regarding that 30 day late payment. So to me Carmax did not hold up their end and there is absolutely no way that I can come up with any extra payment again. When we agreed to the 2 payments and the final payment would have been placed to the end of the loan. The two payments that I made already caused me a hardship with my other bills. Now my carmax account is showing XXXX and 33 days past due! This is borderline horrible! And Carmax is being misleading and sending false documentation to you and me as far as their responses go!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
" NEW ISSUE '' I have attached the current police report. Barclay has failed to remove fraudulent balances on my credit reports. The remaining balances need to be cleared from my name as I did not authorize the remaining charges. My cards were used and stolen without my consent. I again have spoken to another Detective as the creditors are willfully breaking the law. He informed to continuing seeking their cooperation in this matter. His information is attached as he stated he can be contacted. 

Det. XXXX XXXX XXXX XXXX XXXX Police Department Financial Crimes XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2019, imitated a dispute due to a significant flight change covered under airlines schedule irregularities policy allowing for a full refund if time change of greater than 60 minutes, which flight qualified for. Travel agent ( merchant )  would not provide refund, so I imitated a charge back. 

On XX/XX/2019, I logged into my credit card account to see the disputed amount had been re-applied to my account. I attempted to obtain the merchant 's response but the file type was not a .pdf format so I was not able to see the reason why merchant claimed I did not qualify for refund. I made multiple attempts to obtain the document from my credit card company, but never received it within the 48 hour timeline that was said to be the time frame for receipt of same. 

Despite this, I provided multiple documents to credit card company on XX/XX/2019, sent via email to XXXX. I subsequently followed up on XX/XX/XXXX via chat to confirm receipt of these documents and chat agent confirmed they were received. 

On XX/XX/2019, I called to inquire on the status of the dispute and while the representative investigated, I was hung up on. 

On XX/XX/2019, I again called to inquire on status of the dispute, at which time, agent informed me that she could not see the documents I originally sent on XX/XX/2019, and asked me to re-send these, which I did to XXXX To date, I have not received any updates or notification on the status of my dispute, nor have I received the credit which is due to me based on the documents provided to credit card company.

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 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
I have been with KEY BANK for some time. I have review my Check Account and figures has been arrange for me to receive multiple overdraft fee for withdrawal which was pending but subtracted from account. I have receive 5 over draft fee in one week from the bank not withdrawn fund on time. It seem they are holding fund in order to process the over draft fee. I can submit a full print out on how the bill withdrawn overdraft fee. the system is always updating and not showing the correct information online. I receive a overdraft fee from the OVERDRAFT FEE they applied ( example XX/XX/19 acct was at a XXXX by the next day it was {$38.00} over draft fee applied XX/XX/19 another overdraft fee of {$38.00} ). I would like for this complain to go to the highest source regarding key bank. Online banking is currently down ( no figure ) for me to show how these account are being arrange.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I make an installment payment every month to XXXX monthly via bank online bill pay. They insisted they did not receive my XX/XX/XXXX payment. I faxed them proof of payment, but they have added late fees, have not yet rectified the situation and have reported me to the credit agencies as delinquent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted repeatedly to XXXX and Experian to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They are refusing to remove these fraudulent accounts from my 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 non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive been a victim of identity theft. I have been for the the past two months constantly disputing errors on my credit reports. Now I have a service with XXXX  called true identity. Today Ive just realized I had our purchased this service. So I have been in contact with XXXX multiple times. They are very unhelpful. They have my account to dispute locked up so I can not submit my initial fraud affidavit online. I spent hours calling and they are completely rude and not wanting you help. Its obvious of that much. I paid for an identity theft resorting service through them. I called today specifically about this to get told a different phone number I need to call each time total of 3-4 times. I have spoken to this company numerous times and am very dissatisfied with the type of treatment / service Ive received. Im the victim here they dont seem to care they just want to get me off the phone ASAP. Should I sue? Im unsure what to do about this. Also Equifax was pretty much the same way while XXXX fraud department was excellent to deal with. I think XXXX  and Equifax should learn to treat the victims as such. I will add my information was compromised to my knowledge in both companys past breaches. I believe that all non account holding inquiries are fraud. As well accounts labeled XXXX XXXX XXXX, XXXX, XXXX, XXXX,. Ive tried contacting the creditors as well asking for debt verification and received one response form a company called total card which I will attach this letter. Delete all inaccurate fraudulent unverifiable information immediately while Under investigations and after as well. Because I have no knowledge of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My mortgage was with XXXX XXXX, when the housing market crashed XXXX XXXX XXXX bought XXXX XXXX and sent to a servicer PHH. They, PHH Started placing harassing phone calls with me on the XXXX of the month when my mortgage isn't even due till the XXXX of the month. They charged me late fees on the first of the month as well as " Fees '' and " other Fess '' which they would take out of my on-time mortgage payment. After they would misappropriate the funds they would then place the remainder of my mortgage payment into a suspense-account then report to all three credit Bureaus that I was not making the full payment. When I called them out on this they claimed I also had a shortage in my impound account. They took an entire mortgage payment in " Fees '' then claimed I didn't make the payment at all. When I showed them the Electronic payment information from my Banking institution they then claimed they never received it and that I had to make two payments in order to be current. Mind blowing .... They have erroneously taken through the years thousands of dollars from me they are not entitled to. They have tanked my once XXXX credit score into the mid 500 's as they report to the credit bureaus inaccurate info. When I contacted all three credit bureaus it ceased for 30 days but then PHH verified it was true and correct again. It's a repetitive cycle .... They have me over 30-days late for years now. I've never missed a payment or been 30-days late in the 16 years I've owned this house, which I purchased in XX/XX/XXXX when I was XXXX XXXX in the XXXX XXXX, of which I Retired in XX/XX/XXXX with 24 years service. I can't even refinance my house to get out from under them ... I asked for payment history and they sent me a deed in lieu three times. When I finally received the printout which I had to use a magnifying glass to read because the print was the size of Tom Thumbs fingers, you can see the blatant fraud from their own records. 49 states Attorney Generals have sued PHH for Servicing Fraud already ... They continue the same practices. I have filed complaint with AZ Attorney General as well as Consumer affairs. I am seeking Counsel ... I'm not going to lay down and take it anymore. Something has got to be done about this Company ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: DISCOVER BANK
State: GA

Complaint narrative:
I have submitted repeatedly to XXXX and XXXX to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They  are refusing to remove these fraudulent accounts from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted repeatedly to Equifax and XXXX to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They are refusing to remove these fraudulent accounts from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
Commerce bank needs to record a release on instrument XXXX in XXXX county Missouri. Please investigate a payment made in or around XX/XX/XXXX and refund any payment made after XX/XX/XXXX payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX never late

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 2019-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: NH

Complaint narrative:
Ive tried multiple times to get an address to make my final {$240.00} payment and they refuse to give me one. My checking account was closed due to my account information being compromised. 

When I tried to settle the debt with Blue Trust loans, they refused to give me an address to make the final payment. 

They have now sent the information to XXXX XXXX XXXX XXXX and when I voluntarily called them, they were rude and hostile. And I quote " I dont know who you think your talking to but you better think again '' This comment comes after I asked him to explain why there is a discrepency in what I owe and what blue trust is claiming I owe. 

I then asked if this was reported to the credit bureaus as I have just started builing my credit back up. He asked me how I would like to pay the outstanding balance. 

I cant get a straight answer from anyone at either companies, Ive submitted my request for additional information they require within 30 days of the letter they sent in an attempt to collect the debt.

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 2019-11-01 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:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine

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 2019-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
After opening a secured credit card with Bank of America, I was informed that my account had been " charged off '' after being just 30 days late. Since being originally notified of this, I have attempted 8 times to get accuate information reported on my XXXX, XXXX, and XXXX  reports. 
1 ) Problem # 1 : the amount reported was {$460.00} which was incorrect as I deposited {$300.00} to secure the credit ; this was updated.

2 ) Problem # 2 : never being told what a charge-off meant and only that my account had been closed, I did not know what my options were ; then, I received an offer of settlement letter for {$120.00}.

3 ) After contacting Bank of America re : the settlement, I decided to instead pay the full amount with the assumption that the account would be marked as Paid and Closed.

4 ) Since then, BofA has submitted 8 contradictory reports of this event and none of the agencies found the contradictory info alarming.

5 ) Account Status has been listed as everything from Paid, Closed, Charge-Off, to Open 6 ) The data of the Charge-Off has changed from XX/XX/XXXX ( date of 30 day delinquency at which point account was closed ) to XXXX - XX/XX/XXXX to XX/XX/XXXX to being removed altogether for a 30 day mark in XX/XX/XXXX. 
7 ) The paid in full date of XX/XX/XXXX has been reported, but than changed to Charge-Off, Failed to Pay, and CLS 8 ) Status has continuously stated Account written off for {$460.00} when highest balance was {$160.00} and paid.

9 ) Comments continuously state account closed by creditor when it was closed after payment.

The lack of accountability and the fact that in a situation where a creditor provides different contradicting data 8x the consumer does not get the benefit of the doubt is troubling. 

This acount never reached 180 days late as required for a Charge-Off, I paid the full debt once notified of the option, and yet I still have a damaging notation on all my reports. This should be completely removed at this point, or at minimum changed to : 1. XX/XX/XXXX - 30 Days Late 2. XX/XX/XXXX - Paid in Full ; CLS 3. Status : Pays as Agreed ; Paid, was past due 30 days

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