vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 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:
Discover Card closed my account for inactivity. I had not used the account since last XX/XX/XXXX. I explained to Customer Service that I always made my payments on time. I always use this account for larger purchases and I had not made any large purchases in the last year or so. 

The other two reasons Discover Card listed. I have high balances on outstanding cards. All with 100 % on time payment. I only use a few cards to manage my credit. At 23 % interest the Discover Card is not my first choice for day to day transactions. 

Also Discover Card says I have no installment loans. I own my car and my {$900000.00} house is mortgage free. How is that bad? 

I asked to speak to the Retention Department. They informed me they could not help since the account was closed that the notice had already been sent by mail on XX/XX/XXXX. I told them I had not received anything in the mail - that the email was my first notification. I received an email on XX/XX/XXXX with the news. No mail was delivered on XX/XX/XXXX due to Legal Holidays. The email was my first notification received at XXXX XXXX CDT. I called Discover Card immediately. 

I have had this account for 6 years. By canceling my account - which is in good standing - never late with a payment - the reduction in my overall credit amount available of {$14000.00} hurts my credit score for future prospective creditors to examine.

I am not hurting my credit score - Discover Card is hurting my credit score - Unjustly. This will cost me money on higher interest rates in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: CO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Student Services
State: LA

Complaint narrative:
My credit score went down 48 point Bc i was being reported to the credit ppl 4 times this month for no reason say my payment increased

Company response to consumer: Untimely response
Consumer complaint received 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have made a purchase through PayPal on the XXXX XXXX website. The merchant failed to ship my merchandise - shipping only a portion of the order ( {$120.00} worth ), and not shipping more expensive items ( {$280.00} worth ). The merchant created XXXX  shipping label ( XXXX ) yet the items were never sent to XXXX. When PayPal investigated the case, they agreed with the merchant that items shipped previously satisfied my claim. However, PayPal did not give me an opportunity to support my case and simply closed it with no further recourse, when merchant sent to PayPal two earlier shipment receipts. I clearly stated in my complaint to PayPal that my claim was : 1. The merchant defrauded me by not sending the expensive items and creating a fake XXXX label 2. The items that were shipped were of the substandard quality I believe PayPal misleads public by offering case resolution and protection services when in fact, it sides up with fraudulent merchants without giving customers a chance to recover money. I learned that the XXXX is a XXXX company and I have asked PayPal to stop supporting this fraudulent merchant, to which they refused. I believe by supporting fraudulent merchants, PayPal itself engages in fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: FL

Complaint narrative:
The Bank sent letters dated XX/XX/2019, offering a thirty ( 30 ) percent discount on the balance owed on on my loan accounts. This offer was not prompted by me, none of my loans were in default or past due. It was presented to me as a " special offer '' to " select borrowers ''. As it was a good business decision, I took the offers and paid off the loans at the discounted rate. Of the three Credit Reporting Agencies, two have seen that this was not a derogatory action to my credit, and have Reported Accurately. However, Experian continues to report my credit score 200 points below the other agencies credit scores. In addition, Experian is inaccurately reporting my available credit to be {$25000.00}, when all other Credit Reporting Agencies are showing more than 20 times that amount. I am in the process of purchasing a home and this inaccurate reporting is causing irreparable harm to my Credit and Financial well being. I filed disputes with Experian, they closed the file pushing blame on the Bank, I spoke to the Bank and they stated they reported accurately and it should not be listed as a derogatory mark. Experian closed the file with no explanation. I have an account with then and pay for their services, for which, they claim they can do nothing. 
Please help me to fix this problem and prevent others from being harmed in this deceptive trade practice by Experian.

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 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have had an account opened XX/XX/XXXX with XXXX XXXX XXXX and the account was paid off XXXX of XXXX. I asked them numerous times since this account is PAID IN FULL to please remove from my account. I have had no luck getting this removed from my credit reports. This is why I am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
There are several inquiries reporting on my credit report that was not authorized by me. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses that is reporting : XXXX XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/19, I tried to pay a bill with Western Union Online which stated the company I needed to pay is one of their Billers. Due to another payment via Western Union issue XX/XX/19, I decided to check with customer service to make sure will this payment go to the correct company. Although the company was their website as one of their Pay Bills Company 's, there isn't a relationship with Western Union and the company. Instead of correcting their website, the incorrect information is left for the next customer to attempt a payment. I spoke to a representative that said XXXX XXXX XXXX isn't their system so I would not be able to make a payment. I asked for a supervisor and the representative transferred the call without telling them about the call so I had to explain all over again. This makes the phone very frustrating and aggravates the situation. The supervisor checked the company 's name and found them but needed to transfer me again. I do not understand why she was transferring so you've wasted unnecessarily been on the phone over 20 mins. Then the supervisor disconnected the called while I wait to be transferred to an unknown phone and unknown reason for transfer. 
The problem has been their online pay bill feature shows the company but they no longer have them as Pay Bills Company 's. When this happens the funds goes to the wrong company and the customer is made to wait to get the money back. This creates a late payment for the customer and accrues late fees and possibly a derogatory item on their credit. 
I called the Corporate Office and spoke to XXXX which listened and I insisted she confirm the company would receive my payment. XXXX wanted to transfer me back to the same area that disconnected the call. I told all that was needed is confirmation the payment would go to the right company this time. Their website and the procedure and company are different and cause major financial issues for the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
While showing that my mortgage is an individual account, the remarks " In chapter XXXX bankruptcy ''. 

I am not, nor have I ever been, in bankruptcy. I contacted opened a dispute with XXXX. The dispute shows that the lender, Pacific Union Financial, confirmed that the information is correct. Please note, it is not. That is supported by NO other creditor marking any late payment or bankruptcy. There WAS NONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My husband Took out a home equity loan without my permission using our joint property as collateral I never signed the documents for this loan and I did not even know it existed until he died in XX/XX/XXXX. I have contacted Wells Fargo numerous times and I had to go to the county and request various documents in order for them to send me a copy of the loan. I did not sign The fact that I did not sign is visible on the documents. This loan was taken out in XX/XX/XXXX without my permission without my acknowledgment as visible in the documentation I believe this was done under the unfair mortgage practices of the XX/XX/XXXXand XX/XX/XXXXmortgage debacle

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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
My Deed was transferred XX/XX/XXXX to Ocwen with no Escrow. In XX/XX/XXXX when my Property taxes come out Ocwen when and paid them. I never signed any kind of papers for them to do this. I have never had a home loan with and escrow account for the 35 years in have been in this home. And never missed a payment. My house payment triples by them doing this. It went from XXXX to XXXX. I kept paying my regular payment for 4 months and it was getting me no where. I stopped paying them. They refuse to do a loan modification. Sent papers they ask for and they would tell you they never received them. I has been a night mare since. They now want to foreclose on me for the 3rd time. I need this stopped. I has been a 4 year battle from XXXX. In beginning of XXXX my loan was transferred to PHH nothing changed. They are very good about taking your money and holding it. Than charge late fees. They add fees for sitting in front of your house to take pictures on a monthly bases. These people can not be trusted they just want your house. They will not do any loan modifications. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens bank had been given a letter of explanation to put in the file regarding an XXXX acct with fraudulent charges! The atty and closing agent known to each other were both aware of this. I can not and should not be forced for an incorrect fraudulent acct by Citizens which is currently being negotiated on by the atty hired! The atty fir closing in home have nothing to do with this Citizens forced me to hand over {$1100.00} or more on an acct that they were tons over  and over was not accurate via Letter, phone calls and at every turn! Now they have funds being held which I was told would be held by the bank and that if not. They are forcing me to pay an incorrect acct that I have let them know to no end is wrong! I two weeks ag requested that the funds be sent to me and there has been no response at all! I would like all my finds sent to me Now please from them There were so many issues with this loan that I would like to move on from but will not allow anyone to trick, force or coerce me to pay a fraudulent bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
Car was repossed twice in a month. Just paid over 1300 to get the car back. They had my car for 2 weeks, yet the payments were still going so when i got the car back the payment was due again the next day. I asked could they adjust the payment to the following week or 2 and was refused. 7 days later they came and took the car off private property.

The VIN number shows the car is a lemon and I'd been making payments 3 times the amount the vehicle was worth. XXXX for an XX/XX/XXXX. 


I am not working they didnt have a hardship program. 

I want to sue for emotional trama as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: PA

Complaint narrative:
While showing that my mortgage is an individual account, the remarks " In chapter XXXX bankruptcy ''. 

I am not, nor have I ever been, in bankruptcy. I contacted opened a dispute with Transunion. The dispute shows that the lender, XXXX XXXX XXXX, confirmed that the information is correct. Please note, it is not. That is supported by NO other creditor marking any late payment or bankruptcy. There WAS NONE.

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 2019-10-15 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: GA

Complaint narrative:
There are several inquiries reporting on my credit report that was not authorized by me. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses that is reporting : XXXX XXXX, XXXX XXXX, 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 2019-10-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inquiries reporting on my credit report that was not authorized by me. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses that is reporting : XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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: NY

Complaint narrative:
your investigation turns out THE worse. XXXX sold the account in XX/XX/XXXXwhy am I being reported late in XX/XX/XXXX THAT HAVE NO RIGHT TO REPORT PASS XX/XX/XXXX WHEN THEY SOLD THE ACCOUNT that's inaccurate reporting you had three time to fix now time to delete trade line payment status with all accounts are SOLD /CHARGE OFF NOT IN COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I originally had a car loan with M & T Bank that was taken out in XXXX of 2013. The car was totaled, and my insurance XXXX paid almost the entire balance with the exception of a few hundred dollars. I advised M & T that my GAP insurance would cover the rest, but they insisted that I pay the remaining balance immediately to avoid being sent to collections. The amount was approximately {$360.00}. I ended up paying out of pocket the remaining balance owed to M & T, they confirmed that the balance was {$0.00} and closed the account. Months later I received a check for the amount that I paid to them. I called them to confirm that the check was accurate and they told me yes. I have been calling to confirm that the balance on that account is {$0.00} and the account is closed. They continue to tell me that the account is closed with a {$0.00} balance and they can not explain why they are still reporting to the credit bureaus that I have a delinquent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
On XX/XX/2019 I called First Federal Credit Control Services in regards to medical debt they have from my general practitioners office. My GP notified me that I needed to make a payment arrangement on the bill to continue to be seen. I was not aware of the amount or which one specifically when I called. Apparently there is a few and some are a couple of years old. I have been working to pay them off slowly, I do realize. I spoke to one woman initially who asked what I could pay and I said I could pay {$40.00} bi weekly and she said I was welcome to do so online but this would not resolve the matter as they would only accept 1/3 of the total amount owed today to start a payment arrangement with me. I asked what they would ask for today and she said {$480.00}. I told her I did not have that much to give them right now. She told me that some of my bills were very old, etc. I told her I realize. She reiterated the last time I made a payment was in XXXX. I also said I realize. I asked for a supervisor. She placed me on hold for an extended period. I spoke to a XXXX XXXX who then berated me telling me oh boohoo we all have lives and kids but we pay our bills and told me you better hurry up because you have one minute before I hang up on you she yelled at me and hollered in the phone. XXXX chose to continue to be abusive in her language. I sure hope their calls are recorded. When I asked for her name and if she was even a supervisor she said youre not going to intimidate me I chose to disconnect the call. This is not how business should be conducted. Bill collector or not. I was attempting to set up an arrangement to get this bill in order. I was continually told how much debt there was out there {$1400.00} which in the grand scheme isnt huge. But {$1400.00} when you dont have it might as well be {>= $1,000,000}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
transferred 4 times put on hold trying to file a dispute by XXXX XXXX XXXX finally just hung up

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 2019-10-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation