vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX I took my truck for repairs at XXXX XXXX XXXX  XXXX Fl. I was disappointed with the repairs the dealer performed on my truck, so after complains made by me were unresolved I decided to challenge the already payment done with my Discover credit card on the amount of {$1200.00}. I went on to dispute it and the dealer agreed to check into it one more time without more charges, once dealer had my truck inside their premises they use it as a ransom and made me pay cash ( XXXX ) and also made me release the discover credit card disputed amount ( XXXX ) so I could get my truck back. I did call Discover and asked them to unlocked the credit back to XXXX XXXX XXXX in XXXX Fl. Once I got my truck back, I filed a complain to the XXXX in order to get back my {$1200.00} that the dealer was keeping ( Payment was only {$1200.00} that I paid on cash on XX/XX/XXXX, receipt attached ) Dealer made the rebuttal to the Discover credit card after the XXXX  got in touch with them. All documentation was sent to Discover Credit Card by mail and also by uploading them on their website as I was told by the credit card.I already spoke three times with 6 different representatives on discover dispute department but it seems that they are reluctant to credit my account with {$1200.00} that the dealer XXXX XXXX already sent back to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24 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: PA

Complaint narrative:
Equifax will not remove an over 30 day late from my credit report and I have a letter from the Credit Union that was sending a check to XXXX to pay off a car loan. The check was lost in the mail and they sent a letter about it and I will attach it. All the other credit agencies have fixed this with no problem. I have disputed 5 times with documentation and they will not remove. XXXX even put a note on my account saying it was a mistake. Im XXXX and never had a late payment in my life so this is really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I am attaching documents showing that I have asked the account to be closed. I also sent additional documents with my CFPB Ref no : XXXX-XXXX. I am asking for my account that I closed to actually be closed! I am attaching a letter from my attorney. I am attaching billing statements I continue to receive for an account I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: MD

Complaint narrative:
XX/XX/2018 changed the due date from XXXX to XXXX of each month and it in writing. i paid one month XXXX short and trying charge me almost 1000 they have charged me late fees every month because it not paid at the beginning when not due until the XXXX. See all attached docs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXXXXXInaccurate XXXXXXXXInaccurate XXXXXXXXInaccurate XXXXXXXXInaccurate XXXXXXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX XXXXXXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AZ

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AZ

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2020-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The reason I am filing this complaint is because I believe that my loan has not be given proper consideration for a home retention workout that would allow me to retain my home. I originally re-applied for a loan modification back in XX/XX/XXXX/XX/XX/XXXXbecause I was not longer able to adhere to the repayment plan that was established by SPS due to a hardship we encountered. My husband injured his XXXX  which has prevented him from working. This hardship created in reduction of income in the household which preventing being able to continue with the repayment plan previously established. My husband is now receiving XX/XX/XXXX and we just need to be given a fair opportunity to keep our home. In speaking with SPS and correspondences received, we were denied without considering our monthly household income because they were unable to reduce our monthly payment. In review of the NPV Test, it appears the reason they were unable to reduce the payment is due to the fact that they included a deferment ( non-interest bearing principal balance ) in the amount of {$310000.00} into the interest bearing principal of {$280000.00} totaling {$620000.00} into the proposed modification which obviously would increase my proposed payment significantly. Because they will not consider leaving the deferment balance in place, it's causing my loan modification to be denied. We are unsure if this is part of the Pool and Servicing agreement nor do we know if leaving the deferment in place was ever considered however ; we want and have the financial means to afford our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RANLife, Inc.
State: TN

Complaint narrative:
The mortgage was sent to a new processor. The original mortgage was with Ran Life. The new monthly mortgage also says Ran Life, but the amount of money due is double the payment plus {$520.00} late payment. I have called 3 times to have this corrected after received a letter stating this. No one will help, nor let me speak to a supervisor. I need them to get this corrected. They tell me to rip up the mortgage statement. I will not pay next month 's mortgage until this is corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA, has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$400.00} which is incorrect, I do not owe them anything. 
XXXX XXXX XXXX XXXX XXXX told me that as long as I pay them {$400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owe them money, and this is a collection to collect a debt. 
XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. 
XX/XX/XXXX COLLECTION BUREAU OF A XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$400.00} I would like XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA to immediately do the right thing by contacting each of the credit  bureaus and telling them to report the accurate information As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions COLLECTION BUREAU OF AMERICA/ XXXX XXXX XXXX XXXX XXXX XXXX having on my life. 
Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
All outstanding debt for XXXX was paid in full at the time of closing my account with them. I never received any collection attempts or bills for this debt from XXXX after closing the account. Upon inquiring about the collection directly with XXXX they were not able to produce a bill or explanation for how the debt was accrued. I have yet to receive a formal response from the collection agency.

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 2020-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have called Capital One three times spending approximately an hour each time and missing calls from potential employers, explaining that I have lost my job and would like to delay payments and put them at the end of the loan and extend the loan term. Each time I am told their system will not allow it but it will on the next call and the next call I make it still does not. I feel that I have made an honest effort to work with capital one by explaining my finical situation which is out of my control as I have no control over my previous employers decision to lay me off, I need to delay the next 3 monthly payments and put them to the end of the loan, at which point I hope to have found a job. I have on more than one occasion explained that I understand and that I am okay with extending the term of my  loan. It is unreasonable to expect me to continue calling when I need to devote my time to finding a job so that I can find a job and avoid further financial hardships. 

Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24 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: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
GM Financial continues to violate my rights as a consumer by refusing to validate an alleged debt that is on my credit file. I first noticed this debt in XX/XX/XXXX. On XX/XX/XXXX I sent GM Financial a letter via Certified Mail requesting they validate this  suspicious debt thats on my credit file. On XX/XX/XXXX I received a letter from GM Financial saying they suspect the account was fraudulently established. The letter also said that I should go to their website and follow the steps needed for them to complete a investigation. I went to www.gmfinancial.com and found absolutely nothing about submitting a claim for investigation. On XX/XX/XXXX I sent them another letter notifying them it is their responsibility as the creditor to validate. I then proceeded to inform them they can validate this alleged debt by sending a contract containing my signature or something to that degree. On XX/XX/XXXX I received a letter from GM Financial requesting that I give them a call. I need GM Financial to send me proper documentation validating this alleged debt via USPS or remove it from my credit history report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I attended the school in XX/XX/2019 and I withdrew from the school early because I didnt like it so I stop attending the school on XX/XX/2019 I went there to withdraw. The finicial aid guy talked me into holding my seat because I may come back instead of withdrawing and starting over. He told me I would not be charged I would be tooken of the attendance. I told him Im not coming back though he insisted this was the better option. I got an phone call in XX/XX/XXXX saying why havent I been in school then I had to explain to the guy what do you mean I was suppose to be withdrawn he said Im still on the attendance as Im coming to school. I was shocked because the guy lied to my face and still had me being charged when I wasnt there any more. I owe a loan in the amount of XXXX and its on my credit already and I was approve for fincial aid too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My US Bank mortgages was being refinanced with another provider. It was reported as late once. That is incorrect. I have NEVER been late. I contacted them and I was told it doesn't show any late payment. It was closed because it was refinanced with another lender. I've gone back and forth with this. I'm frustrated.

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 monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Each month for the past two months on the day i am required to make a payment, I am charged a return check fee. I place the money into my XXXX XXXX XXXX XXXX account in anticipation of the payment being taken out by Citi Cards the next day. on the XX/XX/XXXX day of the month before taking anything out of my XXXX account, they first charge me a return check fee and then take the money out of the account the same day. They claim that it is my banking institutions fault that the money was not available, but I have called and spoken to the XXXX and they tell me that when you place money into you account at a branch, it is available immediately, and there should be no problem with them withdrawing the money from the account on the XX/XX/XXXX.  I have been charged twice this way, and Citi Cards makes the same excuse for the return check fee each time. They are stealing from 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 monetary relief
Consumer complaint received 2020-02-24 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  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these 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