vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-06 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: MO

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Transunion due to 8 items on my credit report being shown with a current status of " 120 days past due ''. Now since these accounts were paid in full and have a XXXX  balance they can not also be past due and a violation of my rights. Furthermore due to these student loans being discharged due to being XXXX and XXXX XXXX they should have been removed as I am not responsible for these accounts. On XXXX XXXX I received a response stating the items were updated or remains. On XXXX XXXX I mailed a request to Transunion asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Transunion in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' from Transunion dated XX/XX/XXXXjust stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Transunion did not comply with this request within the time frame allotted they need to delete the disputed accounts.

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 2019-07-06 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: TN

Complaint narrative:
I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 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: PA

Complaint narrative:
DiscoverCard Payment Protection Plan. I was unaware that I was enrolled in this and did not give my consent. I did some research into what the charge was for and found that I had been charged this fee since XXXX. Until I looked into it further I thought it was a regular fee and was not aware that I had to give my permission to be enrolled in the plan. I also saw online that there was a class action lawsuit regarding this problem in XXXX. I am wondering what my rights are as a person who has not had resolution to this yet. I did speak with Discover to cancel the Plan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had Victoria secret angel card they were monitoring my credit score according to the rep talked to about why my card was turned off even though it was paid off and in excellent standing made all my payments and paid it off I was offered XXXX at the initial acceptance to getting the card then they dropped it to XXXX without knowledge and for no reason they're excuse was my credit score which they have no right monitoring after I got approved from XXXX initial inquiry then they just closed my acct not right or fair have no right judging me or monitoring g my credit after I already ven approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am writing on behalf of my daughter, who purchased a XXXX XXXX XXXX from `` XXXX XXXX '' XXXX XXXX on XX/XX/XXXX at the purchase price of {$15.00}, XXXX. Now, after tacking on the astronomical interest rates and other fees the total cost of this vehicle is {$35.00}, XXXX,,,,, ,for a XXXX XXXX XXXX . 

After my daughter recently disclosed this to me a year later, that she was stressed/worried about keeping up with her Bi-weekly car note I immediately started research for any possible resolution for this dilemma that she's in. 

I didn't know where to start looking for information on ( misleading sales tactics, price gouging, or even preying on people who may have no or bad credit ), until I happened upon this website. 
She tried to refinance the vehicle at XXXX XXXX, and to our surprise was informed that it was not possible to refinance the vehicle that was only valued at {$4500.00} according to the XXXX XXXX XXXX, yet XXXX XXXX   XXXX XXXX have her bound to a contract to pay {$35.00}, XXXX. This is absolutely ludicrous!!! 
How can they legally do this to consumers and get away with it, or can they??? Is there anything that can be done in regards to this situation?

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 2019-07-06 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: SC

Complaint narrative:
My claim was closed allegedly because it was a duplicate claim. This is not true. It is the same and only complaint and should be acted on. I am a retired service member and am being taken advantage of. Please reopen my complaint and help me resolve the issue. My complaint should be on file. Thank you XXXX XXXX complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: TN

Complaint narrative:
. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. TRANS UNION deleted the account and then placed it back on ). TRANS UNION has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

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 2019-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
We have multiple personal and business accounts with Citizens ' Bank. One of these accounts is an equity line of credit. It automatically deducts the interest to pay off the account from our checking account monthly. Any principal has to be paid separately which we've been doing on-line via the Citizens Bank website regularly. When I tried to pay the principal from the Transfer tab of their website today, it no longer provides an option to pay off the principal! After calling customer service, I learned that I can now pay using their new system on their website transferring from my checking account, but my intended principal payments will go to interest and be 'held ' until the monthly date the principal is paid off and then any balance paid to my principal. Are they actually allowed to do that? 
My other choices include : write a check, call and make a payment, go to a branch, or go to a completely separate URL and enter personal information. There is no place on this new URL that indicates what they will do with your personal information or its relationship with Citizens. All of these options are ridiculous and the one they suggest- going to this other URL is possibly unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
On or about XX/XX/2019, I submitted a boat application to XXXX XXXX XXXX XXXX for a " XXXX XXXX  XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX ( Standard Package ) for one primary applicant. 

On XX/XX/2019, I received a call from XXXX of XXXX XXXX stating that my application had been approved by Aqua Finance for about {$27000.00}. The advertised base price of the boat I wanted was {$25000.00}. However, after visiting several XXXX XXXX/XXXX XXXX XXXX, the same boat listed was for significantly more than my approved loan amount. 

I, subsequently contacted XXXX of XXXX XXXX and asked for a reconsideration of my loan for {$34000.00} because I couldn't find a boat for the original amount of {$27000.00}. I was told in order to qualify for a higher amount that my wife had to be included to my application with her income being verified. I declined to add my wife to the application. And that I like to retain my initial loan approval. I never submitted a separate loan application with my wife included. 

The next day I was told by XXXX ( XXXX XXXX ) that Aqua Finance had rescinded my initial loan approval because I had not provided proof of income. How can this be? I had already provided all requested information initially and I WAS ALREADY APPROVED! 

On XX/XX/2019, I contacted Aqua Finance to find out the reason for my initial loan approval had been rescinded. I spoke with XXXX and was later transferred to speak with XXXX. The only information they would provide was that my applications had been denied for lack of income verification. I then asked what was the income thresholds for a {$27000.00} loan? They didn't known the answer or they refused to tell me. 

How could you rescind a loan that has already been approved and in effect for about a month and then later claim that income was not sufficient or had not been provided? What changed since the initial approval until now? The only change was when I refused to apply for a joint account with my wife for a higher loan amount. 

Regulation B, the implementing regulation for the Equal Credit Opportunity Act. Section 202.7 ( d ) External Link of Regulation B generally provides that a creditor shall not require the signature of an applicant 's spouse who is not a joint applicant on any credit instrument if the applicant qualifies on his or her own. 

I believe that I have been discriminated against based on the above citation ( marital status ), because I refused to reapply for an already approved loan with my wife. Thereby changing my initial one person application to a joint application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: OH

Complaint narrative:
On XX/XX/XXXX I received a response to one of the many disputes I submitted to Experian. On the response Experian stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, PACER, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to Experian and XXXX XXXX several times since XXXX. Experian is reporting the bankruptcy date as XX/XX/XXXX and an account for XXXX XXXX XXXX  that says it was included in the bankruptcy but with a date of XX/XX/XXXX. This is proof that information is not being verified or validated by Experian. This is one of the accounts that I disputed and received a response back that the information had been updated. Experian states on the credit report, the bankruptcy information is being supplied by XXXX XXXX. I have included attachments of the credit report pages with this information.

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 2019-07-06 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: NY

Complaint narrative:
Experian needs to apply a strict rule that relates to the Fair Credit Reporting Act. As you can see from the XXXX XXXX XXXX credit posts on my recent hard copy of my Experian credit report , XXXX XXXX XXXX has posted two accounts where it shows clearly late payments in fiscal year XXXX. Personally I believe XXXX XXXX XXXX cut off at least five years of payment history, and I know for a fact that I had late payments dating back into XXXX. Both of these accounts should have been deleted in XXXX. However, XXXX XXXX XXXX must delete both of these account immediately, not in XXXX and XX/XX/XXXX respectively. Experian must enforce the 7-year rule as it applies to all citizens across the board. Both XXXX XXXX XXXX accounts should be deleted permanently, and a proper reinvestigation is in order.

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 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
On XX/XX/2019 i applied for pre-approval for a car loan with XXXX Bank on https : XXXX website, XXXX XXXX took it upon themselves to also run a credit report on my social security number and they passed my information on to Ford Motor Credit to run a report that was not authorized. I do not understand how authorizing one loan company run a credit check would give a used car sales lot the authority to run my information as much as they wish without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX needs to apply a strict rule that relates to the Fair Credit Reporting Act. As you can see from the Bank of America credit posts on my recent hard copy of my XXXX credit report XXXX Bank of America has posted two accounts where it shows clearly late payments in fiscal year XXXX. Personally I believe Bank of America cut off at least five years of payment history, and I know for a fact that I had late payments dating back into XXXX. Both of these accounts should have been deleted in XXXX. However, Bank of America must delete both of these account immediately, not in XXXX and XX/XX/XXXX respectively. XXXX must enforce the 7-year rule as it applies to all citizens across the board. Both Bank of America accounts should be deleted permanently, and a proper reinvestigation is in order.

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 2019-07-06 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: NY

Complaint narrative:
XXXX shows from the recent post on my Experian credit report that the account is scheduled for deletion XX/XX/XXXX. However, Experian needs to do a reinvestigation requesting from XXXX the true late payment history that in my review dates all the way back into XX/XX/XXXX. XXXX cut off several years of payment history to re-age the credit tradeline. This account should be deleted immediately and permanently, not XX/XX/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 2019-07-06 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Seterus shows from the recent post on my XXXX  credit report that the account is scheduled for deletion XX/XX/XXXX. However, XXXX   needs to do a reinvestigation requesting from Seterus the true late payment history that in my review dates all the way back into XX/XX/XXXX. Seterus cut off several years of payment history to re-age the credit tradeline. This account should be deleted immediately and permanently, not XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
i have repeatedly asked for a debt validation from Lvnv Funding Llc they have not sent me a contract that i have signed agreeing to pay any amount but yet they put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I have a FHA mortgage that is beening serviced by Caliber Home Loans and the lender has not afforded any of the mortgage rights that accompany a FHA Loan. I have not been afforded an opportunity to have a face to face with my lender. 
Moreover the lender has told me that there investor does not allow a short sale. This is not true as this loan is an FHA loan. I have several offers on this property and the property was listed with a realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
1.I have filed a police report as Case card requested 2. I have also place a fraud alert on my credit report with all 3 bureau 3. I have file an identity theft with the Federal trade commission 4. I have file 2 report with the Consumer financial protection Bureau 5. I have send you a copy of my passport showing I travel in and out of the country over a 5-year time. 
6. I have file ever month for in accuracy to Chase Card ( every month ) 7. i have flie with Attorney Generals Office 8. i have file with XXXX XXXX XXXX I have follwed all those step yet Chase card yet to remove this account from my credit report, every month I file a dispute with all 3 bureau yet no one from Chase Card company take my situation serious, everything are being sent over electronic to the bureau in response, each time I file a dispute. I think my ex wife are someone may have open this account in my name while I was traveling throughout the years .back and fouth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: TN

Complaint narrative:
Today I reached out to XXXX as they dropped my credit score over deferred payment student loans! Deferred and current student loans are to have no effect on credit scores it plainly states that in student loan laws! I want my credit score redone taking those out of it! 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