vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
LACING MY REPORT WITH FALS ENTRIES>illegal-FCRAXX/XX/XXXX 1. On XX/XX/XXXX, I received my XXXX XXXX   XXXX XXXX Report for my car insurance. I am doing a re-rate next month with XXXX XXXX XXXX XXXX. I do not have home insurance.

On XX/XX/XXXX, I called XXXX XXXX twice-to dispute the items on my Reported Claim History For RISK. Attached, is the item on page 1, in the middle of the page. ( car insurance ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( fire and casualty ) for cause of loss WIND/C-amount paid {$3800.00} at the address of XXXX XXXX XXXX XXXX XXXX XXXX ( wrong address ), XXXX, AZ XXXX. False information-DELETE! -FCRA I disputed this- for my personal address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX . It is a mailbox at XXXX.

There is no space for wind damage in my tiny mailbox for {$3800.00} as I informed XXXX XXXX.

2. On page one, I disputed- at the top, " RECAP '' Risk 1 Claim Reported. Delete at once! Not mine. FCRA 3. On page 2, XXXX XXXX and EXPERIAN have NOT updated my payment information on XXXX XXXX report. FCRA XXXX XXXX ( last activity-XX/XX/XXXX ) I pay every month on time and its XX/XX/XXXX. That's 7 months of unrecorded monthly payments. FCRA Credit Acceptance ( last activityXX/XX/XXXX ). I pay every month on time and its XX/XX/XXXX. That's 6 months of unrecorded monthly payments. FCRA 3. On page 3, XXXX XXXX must remove " revolving accounts past due {$2900.00} ''. Remove entire entry for it is not mine and false information. FCRA Remove 18 entries for inquires on the same day- XX/XX/XXXX Remove 2 entries for XXXX XXXX XXXX XXXX on XX/XX/XXXX.

LACING MY XXXX XXXX and CREDIT REPORTS WITH FALSE ENTRIES -- VIOLATIONS-FCRA.

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 2019-04-20 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: CA

Complaint narrative:
Im writing this in regards to a 60day- late payment report made by XXXX XXXX . I have an XXXX XXXX Platinum card and I had made a reservation using XXXX on XX/XX/18 for {$920.00}. I had canceled this reservation within the time allotted stated on XXXX website. However, XXXX refused to refund me my full purchase amount and wouldnt provide me with any credits close to the amount I paid. I called XXXX XXXX hoping and submitted a dispute a few days later in XXXX of 2018. 

XXXX XXXX kept closing the dispute and said there was nothing they could do after the inquiry they made with XXXX. Over the last 9months I requested over 8 times for them to reopen the dispute and when I called them in XXXX the would not dispute the amount and stated it was my responsibility to pay for a service that I never received even though I should have been refunded the full amount. I explained that because of this high transaction amount I would need more time. They were not reasonable and demanded payment immediately for a service I did not receive. I called them a few days ago after they harassed me by phone to pay this balance, and I paid it in full and stated I will still dispute the transaction at a later time. I always make on time payments with any creditor and I do not have any derogatory remarks on my credit. Can you please help me remove the 60-day late payment as XXXX XXXX is treating me unfairly? Thank you for your time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: FL

Complaint narrative:
I am filing this complaint today XX/XX/2019 because Equifax has ignored my post marked and USPS Tracking verified request received on XX/XX/2019 to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IA

Complaint narrative:
I previously had my loans through XXXX but switched to Fed loan servicing approximately 3 to 4 years ago. 

Issue 1 ) I have been receiving what I believe to be inaccurate qualifying payment counts that go towards PSLF. I requested a manual recount of my qualifying payments over 9 months ago. I still have no response and am just continuing to be told that " it takes time. '' I have been making qualifying payments for just shy of 6 years. I paid ahead at one point and so realize I will not get credit for about 9 months of payments, but should have at least 5 years or 60 payments that qualify. They have me at far less than this. 

Issue 2 ) The other issue I have is that I recently re-certified my income for an income based plan. My payment went up more than expected. When I did research into this they had me in the IBR plan. If you look at my formal re-certification document from 2016 you can clearly see that I selected to transition to the REPAYE program ; and every year since have selected to stay in that program. This had led to increased financial hardship on my part. The answer from fed loan servicing was to request to switch from IBR to REPAYE now. Switching now instead of 4 years ago when I initially requested it has led to more interest accumulating which will now capitalize as I switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I get repeated, constant phone calls, sometimes listed as an " Unknown Caller or Unknown '' in order to prevent the calls from being blocked by me ... ..I want these calls to STOP IMMEDIATELY! This is harassment and I want these calls to me stopped! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 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: MI

Complaint narrative:
I have contacted Equifax on multiple occasions to remove inquiries on my report that were not authorized by me. The statutes are referenced in my attached letter. 

I want the inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 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: FL

Complaint narrative:
I am filing this complaint today XX/XX/2019 because Transunion has ignored my request received on XX/XX/2019 to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You.

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 2019-04-20 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:
I notified all 3 credit reporting agencies ( Equifax, XXXX and XXXX ) that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX allowed it venders to charge to my account item s which I did not order causing to go over the limit without notice it was reported the credit reporting with out notice or opportunity to pay overages no notice be fore the Hume was done the item I ordered some there was lot I did not order nor were on my order

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We struggled with making mortgage payments in XXXX and XX/XX/2018. Late payments were due to not receiving Government checks timely. We contacted Wells Fargo for help with temporary forbearance to get us through the wait period. We only needed 30 days relief. Wells Fargo refused to help, told us that there were no options available to us unless we were 90 days late, which causes irreparable damage to homeowner credit report and provides Wells Fargo with acceleration rights to foreclose. As a result, we have two late payments reflected on our credit report even though the payments were caught up in the following months respectively XXXX and XX/XX/2018. These derogatory credit entry 's are preventing us from refinancing or taking a loan to catch up from the government slow down and shut down resulting in the delay in receiving government checks.

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 2019-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Comerica
State: FL

Complaint narrative:
I called the phone number listed on my XXXX XXXX XXXX : XXXX minimum six times between late XX/XX/XXXX and XX/XX/XXXX. I tried several ways to get a live rep. One was hit # 3 On my phone-Lost or Stolen. Another was hit 0. Got no one. Recorded message : " We are having a higher volume than usual. Please try to call back later. '' the other : Sorry, We are having technical problems. 

XXXX XX/XX/XXXX, my XXXX debit card was stolen on a bus at the Downtown XXXX bus station. The thief used that card for five transactions in three places.He/ she spent {$68.00} on my card. Also stolen was my XXXX XXXX XXXX on which direct Social Security payments are loaded automatically each month. That day, I called the direct number to report a card stolen and got no one live to talk to, nor a message giving instructions what to do to cancel the card. After 69 minutes, I got hung up on. 

This is serious. Not only has the thief probably been using the XXXX XXXX MasterCard, my roommate may also be using it. He does not have the card. He has all the info needed to make purchases online or by phone. In XX/XX/XXXX, I gave him that info to pay a past due phone bill. The only time I got someone live was putting in XXXX. A lady said, " Comerica Bank. '' A rep said Comerica Bank did not handle transactions on XXXX XXXX cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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:
I notified all 3 credit reporting agencies ( XXXX, TransUnion and XXXX ) that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.

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 2019-04-20 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: LEXISNEXIS
State: AZ

Complaint narrative:
I notified all 3 credit reporting agencies XXXX XXXX XXXX and XXXX XXXX that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: AZ

Complaint narrative:
I notified all 3 credit reporting agencies ( XXXX, XXXX  and Experian ) that the Chapter XXXX   Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX   dismissed case to be removed from all 3 credit bureaus.

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 2019-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I am a new customer with Bank of America mortgage. I originally setup an auto-payment for my mortgage to take out an additional principal payment each month. Recently I decided to switch back to just the required payment. In changing my auto-payment, I apparently created a second payment for the month of XX/XX/2019. My normal payment went through, but then an additional unwanted payment also was attempted. As I direct deposit only the amount of money needed for my monthly payment each month into my required Bank of America checking account, this resulted in an insufficient funds situation. When I contacted the bank, they advised me they saw what happened and told me I would receive a refund for two {$35.00} NSF fees charged in this error. This has not occurred. As Bank of America 's system did not alert me to the two scheduled payments, and I was told I would receive refunds for these fees, I request a refund for the two {$35.00} NSF fees.

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 2019-04-20 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:
I am filing this complaint today XX/XX/2019 because Experian has ignored my request to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You.

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 2019-04-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my longest history credit card without my awareness when I called in to ask about retention offers. 
1. On XX/XX/2018, I called Citibank credit card representative to inquiry about the possible retention offers on my Citibank ThankYou Preferred credit card. However, before the retention agent told me any retention offers, the call was disconnected. Then that agent directly closed my account without my awareness. 
I called back on the same day and realized my account was already closed. I asked whether Citi could reinstate my card. They opened a case, but on XX/XX/2018, Citibank told me they were unable to reopen my account after running a credit check. 

2. This credit card has the longest credit history. So the closure really affects my credit score negatively. Running a credit check to in the case to reopen my account also hurts my credit store. Citibank should have trained their retention agent to double check with the customer before actually closing the account, especially if the call was disconnected.

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 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CO

Complaint narrative:
Since I am an XXXX year old man, it became apparent I needed to start getting my affairs in order. I have had a Discover card since 2008. I have carried a fairly high balance. recently I discovered they have been charging me {$79.00}. a month for something called Payment Protection. I called to discuss it with them. It has been on my account for years. I don't keep statements so I can't determine how much I have paid but it must be thousands. The lady on the phone quickly offered to refund me about {$500.00}. which was for the last 6 months. I ask to have it all refunded be got nowhere. The 6 month refund totaled some {$480.00} on the fees plus {$30.00}. of interest. Wow, they charge interest on the fees. Anyway, in researching on line I determined Discover has been fined and required to refund some XXXX XXXX  to customers. Wow, guess I missed out. I have sent the payoff of my credit card to Discover. I would very much like to get those fees back.

Company response to consumer: Closed with explanation