vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian Credit Reporting Bureau [ XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ] deleted my oldest credit history off my account WITHOUT MY PERMISSION. I tried to correct errors on my credit report, and both times Experian ignored my request and did something completely different than I asked. 

1. I informed Experian that my account with XXXX XXXX.XXXX was closed because the company closed their stores in XX/XX/XXXX. It was listed up on my credit report as a still open account. When I received a copy of my report after the dispute- the account showed up as " Closed By Consumer ''. This was not true, The company closed their doors in XX/XX/XXXX by I never closed my account. 

2. After seeing my " corrected '' Credit Report which said the account was closed by me, I asked Experian to correct the account to show that IT WAS NOT CLOSED BY ME, BUT BY THE COMPANY because the company went out of business. The Company went out of business in XX/XX/XXXX- as I stated in both my first and second disputes. 

3. Experian deleted the account in its entirety- which was the longest standing account in my credit report. I WANT IT ADDED BACK. 

4. I called Experian, and after waiting on the line for 30 minutes, and then 10 minutes more- Experian said they could not add the account back onto the report UNLESS I FILED A LETTER TO THE FEDERAL TRADE COMMISSION ( FTC ). If they can take the credit history off unlawfully, they should be able to put the credit history back on- AND I WANT THE XXXX XXXX ACCOUNT FROM XXXX ADDED BACK ONTO MY CREDIT 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 explanation
Consumer complaint received 2019-03-11 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: TX

Complaint narrative:
I have requested an investigation be completed by XXXX, Equifax, and XXXX to request the data furnisher of my student loans, XXXX XXXX report my payment history on both my accounts accurately. The dispute came back as verified, however clearly the reports are inaccurate. 

On XX/XX/XXXX, I reviewed my credit reports provided by MY FICO. I found the following errors : The XXXX and Equifax payment history on both accounts show XX/XX/XXXX as OK, then the next month on XX/XX/XXXX the payment history shows 90 days late, ion XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XXXX shows 120 days late. The payment history is clearly inaccurate. How can I be OK one month and the next month on XX/XX/XXXX be 90 days late. Please correct immediately. According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. 

The XXXX payment history on both accounts show OK in XX/XX/XXXX, and the very next month in XX/XX/XXXX as ninety days late. This is physically impossible, and clearly inaccurate. The next month in XX/XX/XXXX the payment history changed to 120 days late, the in XXXX it shows 150 days late, then in February 180 days late, then in XXXX of XXXX 180 days late. 

According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. According to the FCRA, the data furnisher is subject to fines and penalties if the information is not verified accurately, timely, and within compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have 2 submitted disputes with this company. XX/XX/XXXX and XX/XX/XXXX. I have no knowledge of this account being opened. I have asked for supporting documentation and proof that I indeed opened the account but nothing has been provided to me. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The calls are from card member service, they keep calling and I tell them to stop calling I do not need credit repair, and don't want them calling, they call my cell phone and home 2 to 3 times every day always different states and phone # I KEEP BLOCKING but have no more space left to block, have complain 2 or 3 times before this to you, the number they call from now XXXX, when you answer the phone they say Visa Master Card Alert, then they ask you to press 1 for assistance, I did that and ask who they were and they answer card department member service I tell them I'm going to report this and they hang up, I know you will not do anything about this but I am going to report every number that call me and make a Notation of every time I report this to you.XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a capital one 360 checking account with an attached line of credit for XXXX, so essentially the account functions like a credit card. 

The running ledger balance ( displayed by cap one ) shows a positive balance of XXXX yet it shows my available balance to be XXXX. I am pretty confident that the first balance is correct, yet when calling and chatting with Capital One they refuse to hear me on the balance and they keep stating that its an issue they are aware of, but then proclaim that my balance is indeed XXXX and basically brush me off. 

It boggles the mind that this day in age a financial institution of their size can not accurately keep track of balances. This balance discrepancy has shows for weeks now but I only had time to call them today. 

They are either unwilling or unable to give me my accurate balance. Why anyone let them buy XXXX XXXX  is beyond me. 

This company is openly stating that this is a problem with their system, yet in the same breath proclaim that the available balance is correct. They are a walking fraud! 

They are telling me now, that I have to wait 25 days for them to respond with my correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Regions credit card and was charged a few small charges. I had auto-pay set up to pay off that credit card from an Regions account. 

The credit card charges never got correctly paid and each time the autopay tried to pay the credit card bill, it was kicked back. I never realized that my small credit card bill was not getting paid off correctly like it always had been in the past. Regions never notified me- never called, emailed or told me in person this was happening. I made proper efforts to auto-pay my credit card from my Regions checking account and it was not applied correctly. 

Regions then proceeded to place a derogatory claim against my credit and severely lowered my once great credit score. My credit score was once XXXX and is now XXXX because of this error. A payment of {$60.00} that should have been paid via the autopay I had set up from my Regions account which has always had sufficient funds in it has now ruined my otherwise great credit. I pay off in between $ 20,000- {$40000.00} worth of credit cards every single month with zero late payments on my other credit cards. 

I went into Regions to try to resolve this issue and they blamed it all on me and were not willing to help in the resolution of this issue. 

I've attached documents showing several of my statements to clearly show my ability to pay and the willingness and attempts to pay via autopay.

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 2019-03-11 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 this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below.

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 2019-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: NY

Complaint narrative:
In summary : On the morning of XX/XX/XXXX a foreclosed property located at XXXX XXXX XXXX, XXXX, N.Y. XXXX ( which is bank owned and represented by AltiSource Inc. a real estate management company located in XXXX, Georgia ), experienced a failure in water lines resulting in water damage to the basement of their property that also flowed into my property located at XXXX XXXX XXXX. My property is adjacent and connected to XXXX XXXX XXXX. As a result my property experienced damage to drywall, carpet and carpet pad and a health hazard was created. XXXX XXXX, Ombudsman with AltiSource Inc. has been provided with several time stamped videos and photos of evidence as well receipts for the new carpet and pad from XXXX 's to demonstrate the carpet was originally purchased XX/XX/XXXX. In addition AltiSource has been provided with estimates from establish corporations that specialize in remediation and re-construction which mentioned " Its very important we move on this project ASAP. Microbial Growth can begin within the first 72 hrs of a water loss. Negatively impacting the integrity of the structure and the indoor air quality of your residence ''. I have also encouraged XXXX XXXX with AltiSource Inc to speak directly to my independent witness who were present for the events that transpired XX/XX/XXXX and AltiSource Inc. has declined to do so thus far. Even though a known health hazard exists AltiSource has refused to provide me with the name of the Bank that owns the property or the Banks insurance carrier information and no resolution as of XX/XX/XXXX has been achieved thus far

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: FL

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below.

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 2019-03-11 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: FL

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
In XX/XX/2018, I received an offer from Citibank that if I were to spend {$4000.00} in the first four months of obtaining their Aadvantage business credit card, that I would receive XXXX XXXX XXXX XXXXXXXX bonus miles. 

I scrutinized the offer for language stating " if this same credit card was opened or closed within 24 months, that the bonus miles would not be given. '' Though this was the case with me, NO WHERE DID THIS LANGUAGE APPEAR, I was reading this on my cell phone but decided to print the offer out and scrutinize it just to make sure. 

I was lead to believe ( perhaps fraudulently ) that the offer has the 24 month language waived to have be back as a customer. I am attaching their offer to this note. 

So I applied for and was awarded the card. I had met the spending requirement within one month. I waited for the bonus miles to appear for 10 weeks after that purchased showed up on my statement. 

When I called, they said they would launch an inquiry. 

Instead of the miles I received a form letter form Citibank saying, " Special offers aren't available when an existing account in the same product has been approved or closed within 24 months. '' I followed up with another phone call and they stood by their form letter response in spite of the fact that the offer that I accepted did not contain the 24 month language. 

So ... this is why I am contacting you. I agreed to and accepted their offer that stated I would receive the bonus mileage an the fact that the 24 month language was NOT stated in the offer.

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 2019-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Local Management, LLC
State: SC

Complaint narrative:
On XX/XX/2018 I made my payment for XXXX first payment which the rep said that it would not show negative on my credit because it was in XXXX days and I would be fine he guaranteed me that. Then I noticed that my XXXX payment was showing past due on my credit which I made my payment on the XXXX which shows on my credit but showed that I feel into the 30-60 days. I informed management and it took a week for them to contact me. XXXX talked to me and was very rude to me Told me if I made my payment on time this would not happen. I never felt so disrespected in my life. He said that I had to do all this stuff for him to fix my credit even though I told him that I could not do all that he wanted. He kept being rude to me and I told him I was filing a compliant. I want all of the negative remarks from Local finance to be removed and I am even going the lengths to pay them off Friday. I have been with them for years and have never been 30 days late with them. XXXX XXXX acted like I was a horrible customer and I will never get a loan with them again. 
Local Finance is the company XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
Toyota / XXXX XXXX XXXX has systemically defrauded millions of borrowers out of countless dollars in interest payments, by purposefully making it difficult to prepay their auto loan products.

Specifically, TFS doesn't allow prepayment of principal online. While they allow extra payments ( payments in excess of the monthly installment amount ) to be sent via online submission, it only prepays principal and interest, and doesn't reduce the loan balance. Millions of Americans would not understand that this subtle difference results in zero benefit from an interest standpoint.

It truly is predatory and should be looked at given the VOLUME of loans going through this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I have attempted to contact the Toyota Motor Credit Company regarding the settlement ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The settlement administrator has not responded to the claim I submitted or status emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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 items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on Equifax for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on XXXX for {$63.00} Please remove unauthorized inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a Chase XXXX XXXX XXXX  flyer in the mail with an offer stating to opt in to their email subscription and you will receive XXXX points after 3 months of remaining opted in and another XXXX points after remaining opted in for the full XXXXmonths. The offer I received in the mail stated you must sign up by XX/XX/XXXX. I signed up XX/XX/XXXX and have an email verification. I have remained subscribed to the email subscription since XX/XX/XXXX. I should have already received my first XXXX points, but after calling customer support I am being advised that leadership has reviewed my case and stated that I did not complete the required steps. However, they are unable to tell me what part of the deal I did not follow through with which is completely unacceptable. I need a clear and preside description of what part of the deal I didnt fulfill. This is their error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: NRA Group, LLC
State: SD

Complaint narrative:
False reporting by 2 creditors on my credit report, the creditors adds on my credit file that I am delinquent in making my payments more than 2 months, they have been doing this for the last 10 years and I have tried to get this corrected recently because I now have gotten myself on track with keeping my credit score fairly decent the past 2 or 3 years but it continues to go down because of false reporting! I have 2 accounts that are fraudulent reporting on my credit file. I need them removed ASAP but, I need some help in doing so! 

I have had this disputed to XXXX, XXXX  and XXXX and all was reported as accurate! All Lies!!!!!!

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 2019-03-11 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: Tormey Bewley Corporation
State: NM

Complaint narrative:
I have a significantly lowered credit score due to an inaccurate and completely false collection claim by XXXX XXXX XXXX. The case was closed as a false misrepresentation to an otherwise PERFECT score in 2014 and yet the derogatory information remains on my credit report falsely and erroneously diminishing my credit status for the past 5 years. XXXX XXXX XXXX needs to take action to REMOVE this damaging false and slanderous information from my report immediately!!! 
Please hold XXXX XXXX XXXX accountable for falsely damaging the credit of good standing citizens!! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: TX

Complaint narrative:
request Debt validation documents { four corners rule apply } as per enclosed document Equifax your own credit report states omission of fraud reporting these documents are enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
cancelled my service, and paid what i owed, they said they cancelled the wrong dates and i still owe them XXXX

Company response to consumer: Closed with explanation