vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I applied for and was approved for a 0 % balance transfer APR & 0 % on purchases. I almost always paid more than I spent in a month, but when my purchase APR promo was up, they insisted I still had a purchase balance, which they applied interest to. I asked repeatedly for a breakdown of how my payments were applied and have repeatedly been told the payments are applied to the minimum payment due, then the balance with the highest APR. If that were the case, I should have had a XXXX purchase balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: CT

Complaint narrative:
Complaint : Balance Paid to XXXX prior to putting this in my credit report Dispute : This was paid there is no balance XXXX. 
Request : Remove from my credit report.Complaint Against : XXXX XXXX XXXX Creditor : XXXX  XXXX  {$330.00} PAID there is no balance.Good afternoon please investigate this issue XXXX XXXX  company has deposited false information in my credit report. I am aware that this is a fraudulent company and they have stolen people information claiming they are the creditors. I have already paid the balance that I had with XXXX. I have never had an account with XXXX  XXXX. Please remove this entity. The balance I had was only {$330.00} in which I have since paid please check with XXXX  XXXX  this is paid. {$430.00} listed in credit report this is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
on XX/XX/XXXX I bought a certified pre-owned XXXX ( XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX. I was shocked to find that there were {$2400.00} extra charges in my contract buying the car which are summarized as follow : 1- The purchase price of the car we agreed and I signed for was {$13000.00} before applying the rebate I was surprised that they added the rebate to the purchase considering that should be the price after the rebate is applied not before the rebate? A {$450.00} more than the price we agreed upon. 

2- In the contract I was charged an extra {$790.00} as an charges for the bank to process my loan, but after my communication with the Nissan Acceptance Cooperation ( NAC ) I figured out that my interest rate for the loan is 0 % ( my credit score is XXXX ), and there were no extra charges collected by NAC to process the loan. I asked for proofs to justify this {$790.00} charge without any response from the manger or the team. 

3- Also, the dealership added the XXXX  protection Package for  {$1200.00}, which is useless, and they refused to remove it with any benefits that might be associated with it from my contract. 

4- the copy of the contract the bank has is different from the copy of the signed contract that I have, which actually can make the copy of the bank invalid. 

5- The car has other mechanical problems and the mechanical report was shared with manager without and response. 

In summary, In addition to the cars mechanical problems, the totally amount that I am disputing is ( {$450.00} + {$790.00} + {$1200.00} = ) {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Complaint : Balance Paid to XXXX prior to putting this in my credit report Dispute : This was paid there is no balance XXXX. 
Request : Remove from my credit report.Complaint Against : XXXX XXXX XXXX Creditor : XXXX  Insurance {$330.00} PAID there is no balance.Good afternoon please investigate this issue XXXX XXXX company has deposited false information in my credit report. I am aware that this is a fraudulent company and they have stolen people information claiming they are the creditors. I have already paid the balance that I had with XXXX. I have never had an account with XXXX XXXX. Please remove this entity. The balance I had was only {$330.00} in which I have since paid please check with XXXX XXXX  this is paid. {$430.00} listed in credit report this is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian will not allow me to freeze my credit report online or by phone. They want me to mail my request, including my name, address, social security number, copy of driver 's license, and copy of utility bill ( everything someone would require to steal my identity ). Interestingly, they will allow me to " lock '' my credit report online if I PAY them and subscribe to their Identity Theft Protection for {$19.00} per month. I was able to freeze my credit report with both XX/XX/XXXXand XX/XX/XXXXonline with no problems. Also, I have frozen and unfrozen my credit report at Experian in the past online. I have been living at my address for 7 years. I regularly check my credit reports, including Experian, and I entered the information online the same as it appears on my credit report. There have been no changes to my credit report, such as address, for several years which would require me to verify my identity for Experian. The law requires credit bureaus to freeze credit files within one hour if requested online or by phone. I believe Experian is knowingly violating this law to make it harder for consumers to place a FREE credit freeze, trying to get them to PAY THEM to " lock '' their credit report.. I do not feel comfortable mailing my personal information and should not have to do this to freeze 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 2020-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX  XXXX # XXXX, AD ASTRA RECOVERY # 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 XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Dealer Services refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because WFDS did not receive a XXXX payment when in fact a payment was made on XX/XX/XXXX ( XXXX ). 

My monthly payments were due on the XXXX of each Month with a late fee being added if payments were not received by the XXXX of the following Month. 

XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan! 

When I made the XX/XX/XXXX payment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} WFDS reported to the 3 credit reporting agencies for the Month of XXXX ( pays as agrees ) but n XX/XX/XXXX 60 days past due. In XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XXXX eventhough WFDS received a FINAL payment of {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I pulled my annual credit report. I found two fraudulent accounts. I attempted to dispute the items online but was prompted to call Experian directly. I spoke to a representative about the accounts. The representative stated that I needed a police report if I wanted to dispute the items. The representative stated that the police report would expedite the process. I told the representative that I wanted an investigation expeditiously. Although the representative denied my request verbally, the accounts were removed the same day. I'm submitting this complaint because the fraudulent accounts were re-aged and reported as valid debts ( false credit reporting ). I am officially requesting that the tradeline be removed for these fraudulent accounts. I am a victim of identity theft. All of the CRA ( s ) received an alert on XX/XX/XXXX. Experian was aware of this fact and continued to abuse their authority over credit reporting. Please see the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I leased a XXXX XXXX from XXXX XXXX ( Bankrupt ) on XX/XX/XXXX. The Lease included an Extra Wear & Tear Policy ( WSWEAR ) by XXXX of the XXXX XXXX for {$690.00}. 

I returned the car on time and paid all monthly payments. Then GM Financial billed me {$620.00} for XSWEAR + Disposition Fee {$390.00} + taxes on that fee. I paid them {$570.00} because paying taxes on the Disposition Fee seemed ridiculous to me ( paying taxes on a Fee? ). 

XXXX paid them directly {$230.00} for my XSWEAR so that now they got overall of {$800.00} to MY name! Thus, according the GM Financial, THEY OWE ME XXXX-XXXX = {$180.00}, and they ignore my requests to pay me that balance!!! 

GM Financial are CROOKS!!! They are trying to take advantage of the fact that I am a Senior Citizen who can't afford the time and effort required to deal with such crooks!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
FedLoan Servicing is mismanaging the Public Service Loan Forgiveness Program. So far, they have failed to properly apply all of my qualifying payments. Although I have submitted my employment certification form each year and have made qualifying payments on each of my loans, there is a discrepancy in how the payments have been allocated. First off, not all of my qualifying payments are showing up in my account. The qualifying payments that do show up are unevenly distributed. Some of my loans show only 7 qualifying payments, while other loans show 16. I also submitted an employment certification form for my XXXX service over a year ago, and they have not processed and applied my qualifying payments to my account. I had to call four separate times to notify FedLoan servicing of the issue, before one of their representatives finally flagged the issue for future review. I call periodically to check up on the status of my account, and each time the representatives are unable to assist me. They say it's out of their hands and they have no idea how long it will take before someone reviews my account. The last representative informed me that they have such a long queue of people who have already completed 120 payments but still have not had their accounts reviewed, that they are unable to estimate how long it will take to look at my account. I was told that my account is not a priority given that I am not close to 120 payments, and this indicates a serious problem in FedLoan Servicing 's ability to manage the Public Service Loan Forgiveness Program. Especially since they are making mistakes on my account this early on, and are unable to fix the issues in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 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: VA

Complaint narrative:
This is an updated complaint to Complaint # XXXX. XXXX and TransUnion continue to report inaccurate information after their investigations. 

Confirmation # XXXX dated XX/XX/XXXX, from XXXX  shows inaccurate information with XXXX XXXX XXXX for 2 accounts : Account # XXXX and account number XXXX. 
Account number XXXX has been changed to less than the true amount paid which was XXXX. It is now reduced to XXXX. 

Account # XXXX, this account should have closed XX/XX/XXXXper my original request, payments were made on this account between XX/XX/XXXX and XX/XX/XXXX that are un accounted for with no explanation by the creditor, leaving the amount owing, dates of service and past due amounts-if any? both erroneous, tainted and proves no actual investigation done from either agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Data Corporation
State: MI

Complaint narrative:
On or about XX/XX/XXXX I received a email from TRS Recovery Services inc with a demand for XXXX. 

XX/XX/XXXX I mailed them ( tracking number XXXX ) with postal money order in the full amount of XXXX. 

According to the tracking information provided by the postal service the payment was received on XX/XX/XXXX. 

On or about XX/XX/XXXX I received a call from XXXX, A representative of the original creditor of XXXX  XXXX XXXX, ( XXXX ) XXXX, XXXX claimed I never paid the debt, he demanded I make payment with him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had a business checking account with citizens. Citizens bank did not properly instruct me on their policies nor did they openly communicate to me about changes on my account. There were also fraudulent transactions on my debit card that they did not resolve. This happened several times with no communication by phone or by US mail. They then froze my account and did not notify me of these changes. When I called the bank to understand why my bank account was frozen customer service stated that they did not have access to that information. This caused great distress to me and my company who provides services to the intellectually delayed individuals. Then I found out the next day on XX/XX/2020 that they closed the citizens bank branch that I open my business account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
Lexington Law Firm promised that they would be able to remove all negative items on my credit report as well as improve my credit score by 100 plus points. They did not communicate what they would be challenging or disputing with my account. I would only receive emails sporatically informing me that they sent a letter on my behalf to date I have not received anything solid, other than their word. I have seen no movement from any credit reporting agency or collector. I've contacted them many times and to ask what exactly is in those challenge letters and they wouldnt say. They are unclear and when contacting a representative or paralegal they would inform me that they are doing their best for me but never tell me what exactly they were doing. They misrepresented what they could do for me to keep me as a client. Every time I contacted them with concern or questions they would tell me that I need to have patience. As a client I was led to believe their promises of negative item removals as well as credit score improvement yet that has not been the case. 

I called to cancel today ( XX/XX/2020 ) and was charged for a cancelation {$34.00} dollars even though they had previously explained that I would only be charged on the XX/XX/XXXX for their services. I have come to learn that such charging is illegal under the CROA laws which govern credit repair companies. 

I would like my money back for work they never performed and for the misleading way in which they took money but never assisted me. 

They charged me {$58.00} dollars to sign up in advance, then {$100.00} dollars monthly for service for 4 months and just now {$34.00} dollars to cancel. My total has been {$520.00} and change

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because XXXX did not receive a XX/XX/XXXX payment when in fact a payment was made on XX/XX/XXXX ( XXXX ). 

My monthly payments were due on the XX/XX/XXXX of each Month with a late fee being added if payments were not received by the XX/XX/XXXX of the following Month.

XX/XX/XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan!

When I made the XX/XX/XXXX payment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} XXXX reported to the 3 credit reporting agencies for the Month of XXXX ( pays as agrees ) but n XXXX 60 days past due. In XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XX/XX/XXXX eventhough XXXX received a FINAL payment of {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because XXXX did not receive a XX/XX/XXXX payment when in fact a payment was made on XXXX XXXX XXXX ( XXXX ). 

My monthly payments were due on theXX/XX/XXXX of each Month with a late fee being added if payments were not received by the XX/XX/XXXX of the following Month.

XX/XX/XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan!

When I made the XX/XX/XXXXpayment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} XXXX reported to the 3 credit reporting agencies for the Month of XX/XX/XXXX ( pays as agrees ) but n XX/XX/XXXX 60 days past due. In XX/XX/XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XX/XX/XXXX eventhough XXXX received a FINAL payment of {$210.00}

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