vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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: ERC
State: PA

Complaint narrative:
I've Reached out to XXXX, about an account I believed that was reporting inaccurate information on my credit report. 

Account Name : ENHANCED RECOVERY CO L ( Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : This account is showing a past due balance on a closed account which is a violation of the FCRA please deleted this account immediately per the FCRA and also the date open in this account was reported wrong and this account was verified how is that possible ... 


Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have been getting phone calls and bills for about 6-8 months and have reported repeatedly. It seems my social security number was stolen in 2018 around the month of 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 2021-08-12 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: PA

Complaint narrative:
I've Reached out to Experian, about an account I believed that was reporting inaccurate information on my credit report. 

Account Name : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : This account is showing a past due balance on a closed account which is a violation of the FCRA please deleted this account immediately per the FCRA and also the date open in this account was reported wrong and this account was verified how is that possible ... 


Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.

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 2021-08-12 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: PA

Complaint narrative:
I've Reached out to Experian, about an account I believed that was reporting inaccurate information on my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Date of Last activity showing different dates nad not reporting to Experian and reporting incomplete information This account is showing the terms of the account after its been charged off and closed this a violation of the FCRA and how can this account be reported is accurate when this false information on my credit is clear indication they dont care care about this laws that protect me or any other consumer, and the balance is wrong Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2021 To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. TRACKING : XXXX Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts : XXXX XXXX As per U.S.P.S. records, you received my above-mentioned dispute letter on XXXX. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 51 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto no later than 14 days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court.

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 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CA

Complaint narrative:
A property manager for an apartment that I did not move into sent the deposit as well as an NSF fee to collection agency. 

I received a notice from the agency on XX/XX/XXXX for collection of the amount. 

I replied to the notice and told them that I did not owe it since I did not move into the apartment. 

I also sent it to the property manager and asked them to explain. They did not reply. 

On XX/XX/XXXX, I received a credit alert that the collection has been posted to my credit report. The only way to quickly resolve it, was to pay it and the collection agency would delete it from my credit report - essentially extortion. Since I am in the process of house shopping, this was my only option. I paid it immediately and the delete was sent to agencies on XX/XX/XXXX. 

Fast forward a few weeks and we are going through the underwriting process for our mortgage and discover that the debt is now on my husband 's credit and has not been deleted. His credit score has taken a huge hit. 

He was never contacted about the debt nor given any opportunity to stop it from going on his credit report, and it has not been deleted like it was off of my report. 

This has led to issues in our mortgage underwriting process and we will likely have to pay a higher interest rate because of it. 

These agencies need to be stopped from ruining people 's lives. It's absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, in the process of applying for a mortgage refinance with XXXX XXXX XXXX XXXX, the mortgage processor asked Suntrust for a document called a " Subordination Letter. '' As of today, XX/XX/XXXX, Suntrust has not complied. 

Mortgage processor from XXXX XXXX calls Suntrust weekly to find out the status of the document and is told " we are working on it. '' I went to local Suntrust branch where I do my banking ( since XXXX  ) to ask them to find out what was happening. I was told this is just " how we do business. '' This delay hurts me enormously. And I might add, when I applied for a Home Equity Line of credit last year, it took over 5 months to close. My credit score is well over 800.

When I complained to Suntrust, I received a call from a lady at their corporate offices who admitted the HELOC should only have taken 30 days to close.

This is so wrong. I am a longtime customer of Suntrust but this doesn't seem to matter.

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 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am being dunned for a past due amount ( currently {$130.00} ) on a credit card account ( ending with XXXX ) that was closed on XX/XX/2021 at XXXX XXXX  CDT. All substantiated charges at that point were paid. What remained at that point were approximately {$77.00} worth of unsubstantiated charges ( i.e. no vendor, no product or service, no quantity, no transaction whatsoever ). I explained this to US Bank rep, XXXX, at the time. He confirmed during this conversation that the account would be closed, the unsubstantiated charges written-off, and a confirmation letter would be mailed. I received a confirmation letter from US Bank, dated XX/XX/2021, shortly thereafter. 

This all stemmed from a US Bank error in the transfer of my XXXX XXXX accounts to US Bank. In transferring my account -- without my knowledge or permission -- US Bank changed the account & routing number for my checking account in multiple automated payment records for multiple vendors. And they entered an invalid combination of account & routing number. 

This error occurred in late XXXX and was acknowledged belatedly by US Bank in a letter to me dated XX/XX/2021. 

Despite multiple calls trying to resolve this as well as a letter delivered by registered mail, I am receiving monthly bills with compounding fees & interest charges.

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 2021-08-12 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: CA

Complaint narrative:
experian upload refuses to accept uploaded info ( proof attached ) supplementary information for active dispute in account of XXXX XXXX XXXX XXXX. 
acct will be involved in litigation naming experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CT

Complaint narrative:
In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided XXXX proof that I benefited from any of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-08-12 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: Shellpoint Partners, LLC
State: TN

Complaint narrative:
pripr complaint filed with CFPB on XX/XX/XXXX and New Rez responded on XX/XX/XXXX, CFPB # XXXX, copies of documents to be attached. 

NewRez increased my mortgage payment in XX/XX/XXXX by almost {$500.00} due to a computer error on their part where my tax bill was doubled. I paid the bill the first time then called to find out why my payment jumped so much. I was told the computer erroneously doubled my tax bill and a request to fix it was made by Customer Service. i received new escrow analysis and it wasn't fixed so I called again at the end of XX/XX/XXXX. Customer service told me to call back in a week or so to see if it was fixed as she sent another very specific request to correct it. I called back In XX/XX/XXXX, the correction still hadnt been. New Rez 's agent told me to just pay my normal payment, less the incorrect extra escrow of almost {$500.00}, as she also sent in a request and it should be fine. New Rez received the money but did not apply it to my payment and just held it because i didn't pay the extra {$500.00}, which was an admitted mistake on their part. i did pay an extra $ XXXX+ in XXXX even though i was told the escrow problem had been fixed but the computer would not accept the change until the following month ( again ... their mistake and computer issue, not mine ). I complained and they sayed they would not send derogator info to my credit bureau reports in the XX/XX/XXXX letter and showed that they hadn't. this loan was then paid off in full at the end of XXXX XXXX amazingly, now, which is 2 months after their letter and 1/1/2 months after this loan was paid off prior to the next payment being due, my credit reports are just now showing derogatory statement from New Rez that I paid my payment 30 days late. i DID NOT pay my payment 30 days late, they held my payment. they expected me to keep paying {$500.00} extra per month due to their computer error doubling my tax bill even though they admitted they made a mistake This is not fair and fraudulent practices. I believe they are only now reporting this info as a punishment to me for filing a complaint against them with CFPB. I want this derogatory information removed immediately as this is impacting me refinancing at a cheaper rate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: AZ

Complaint narrative:
XXXX XXXX a balance of XXXX on my credit report, open for 1 year 8 months. This account is not mine. I have called the company and disputed through the credit bureaus. I am to date a customer of XXXX as of XX/XX/XXXX. 

The XXXX XXXX XXXX I lived at this apartment complex XX/XX/XXXX to XX/XX/XXXX. Its been on my account for 3 years and 10 months I gave a 30 day notice and moved out accordingly. I received my security deposit back. I called the complex and have disputed through the credit agencies. 

XXXX XXXX XXXX open for 5 years and 6 months. I have no idea what this is or why its on my report. I dont even know how or who to contact to dispute. 

XXXX- I have several student loans through XXXX XXXX There is a delinquency report from XX/XX/XXXX to XX/XX/XXXX. 
I have always, paid my loans or put in forbearance. The accounts have been consolidated and I was told by the representative that the accounts were in good standing. Currently Im in a loan forgiveness program for nurses. I have spoke with a representative from the company and negative reporting was resolved. 

XXXX credit- Reports a 30 a day delinquency. I called the company and explained that I was ill with Covid and tried to make arrangements. The bill has been since paid and brought current.

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 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have had a traditional XXXX AMEX card since XXXX. I have received many offers over the years to upgrade to the XXXX AMEX but due to higher annual fees and other issues I have never upgraded. In XX/XX/XXXX I received an offer through my online account to upgrade to the XXXX AMEX Card. It was an automatically approved upgrade so wouldn't result in a credit pull and the promotion that got me to upgrade was {$1000.00} spent in the first 3 months of the upgrade would get me XXXX Membership Rewards Points. Since I knew I was going to be purchasing a new laptop I thought this was a good deal and decided to upgrade. I even have a transcript session with AMEX live chat where I confirmed the specifics and when I had to complete the {$1000.00} in purchases by. I completed well over {$1000.00} in the three month time frame but my Rewards Points have not been added to my account. It has now been two months since the purchase and I contacted AMEX last month to find out the status. The agent said he could see the live chat confirming the details and that he could see the promotion, but for some reason it didn't show it had been earned. It was pretty simple - spend the amount in three months and get the Rewards Points. So he was sending to the back office. But he said that could take well over a month for review and I was responsible for getting back to them. I have never heard back or gotten the points. In the meantime I have been reading complaints and reviews and see that AMEX has an apparent history of not following through on promotions - even when it is clear they were earned. There are all sorts of people that received financial payouts because they never got their points for promotional offers and closed their cards - AMEX just saying it was a glitch in their system. Shame on AMEX. A card with a reputation of being only for higher credit scores and loyal customers - yet they don't follow through on their own promotions. I had to pay a higher annual fee for this card which I wouldn't have done had I known they were not following through on the promotion. That is all I want - my promised reward points. And maybe a few extra for the time and effort I have had to devote to trying to get them. The XXXX XXXX XXXX is a beautiful card - let 's just hope AMEX can come through on this.

Company response to consumer: Closed with non-monetary relief