vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-09-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX I've reach out to this company regarding late payments, which I ask for a goodwill forgiveness letter. They refused to remove late payments from my credit report, which to this day I've made my payments on time for the past year. I believe I've providing myself as a loyal customer.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because Experian is committing violations to my rights as a consumer. I am demanding REMOVAL OF THE FOLLOWING FILE from my XXXX report : Bankruptcy filed. Reference # XXXX. Date filed : XX/XX/2015. 

THE BANKRUPTCY FILE HAS BEEN REMOVED FROM XXXX XXXX   and can no longer be reported by the bureaus. Experian MUST delete it from my report. I want my financial freedom back and it is my right to have your assistance. 

I expect this file to be off my report in the next 30 days. 

Please see attached XXXX XXXX deletion letter ( Page 5 ). T hank 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 2020-09-09 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: GA

Complaint narrative:
on XX/XX/2020 i noticed on my credit report that a fraudulent account was posting to my XXXX and TransUnion report. I promptly sent out a police report along with a Affidavit and other documents supporting that i indeed was a victim of Identity theft. I waited the a lotted time to see this account removed and instead it was updated. If by law i supplied the proper documentation and police report how could that be?

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/2020 i noticed on my credit report that a fraudulent account was posting to my Experian and XXXX report. I promptly sent out a police report along with a Affidavit and other documents supporting that i indeed was a victim of Identity theft. I waited the a lotted time to see this account removed and instead it was updated. If by law i supplied the proper documentation and police report how could that be?

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 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint is related to a COVID-19 small business grant awarded to my business. XX/XX/2020 I received a grant from the XXXX County small business association. The money was for payroll and other  business needs. While in the process of closing my account I didn't realize and forgot to update my info with the business association. The grant was deposited a few days after closing of my account so I contacted the bank and explained the issue, I was asked to provide proof of business. I have provided proof they asked for but they have yet to return my money. I have been hung up on and recently been told I wasn't any where in there system as a client. I get transferred from person to person and treated very poor by citibank staff.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In around XX/XX/2020 i came across my credit report and found several fraudulent accounts, but specifically XXXX XXXX XXXX Account # XXXX i immediately sent out a police report and affidavit seeking to resolve these inaccurate accounts. instead of them being removed they came back as being updated. I realized that several laws were broken according to the FCRA. meanwhile i have been held hostage by this company and the credit bureaus. My score and history is tied to my character and is now being dragged and marred. this further makes it worse especially during this whole covid-19 pandemic.

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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Correction to letter these funds not noted on XXXX payment history account number XXXX please attached to case number XXXX sorry for the error Im just exhausted with this situation, also I feel violated that someone would take/steal funds from me that the government gave me towards my mortgage payments and to make it seem like I was in default of missing mortgage payments that they took funds and invested in a money first investment account and file assignment of note benefits insurance claim on my property. Yes I feel very violated. And not only that use me to sign for a fraudulent loan modification of stolen monies that the Florida Housing Administration, applied to my my mortgage loan and still missing funds that is still unaccounted for, as new money to that loan modification having me to make mortgage payments on that stolen money that should have been applied to my account in the first place. I also ask Mr XXXX from Round Point Mortgage why wasnt I informed about change of mortgage loan from FHA to an Conventional Mortgage loan, he still didnt give a concrete answer

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 2020-09-09 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: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I went into the Chase Branch and worked with XXXX XXXX to Update my name as Ive recently married. I provided her with copies of my new drivers license, social security card and marriage certificate. All documents reflected my married name, XXXX XXXX. She stepped away to copy my documents. She indicated she ordered my new debit and credit cards to be shipped to me with my new legal name. However, only my debit card is reflecting my new legal name. I received my credit card but it has my old legal name, called the number on the card and was informed they couldnt tell me if my documents that XXXX copied were on file. I was informed I have to resubmit all of my documents again. This is potential fraud as XXXX stepped away to take copies yet none Of the documents are on file and my credit card info does not have my new legal name! I need my account info to reflect my new legal name and that includes my credit card. Also, why would the documents I gave XXXX apply only for my debit but not my Chase credit card!?! Its the same bank just different product!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Financial called me, roughly a week ago, asking to pass a message to someone I am related to. I know they skip traced my contact information, as I have not spoken to this relative in over 10 years. I informed the representative that I have little contact with that person and to not contact me again about the matter. Since then, I have received repeated calls and multiple voice mails in the same day. Today, XX/XX/XXXX, after getting multiple voice mails, I answered the call and again informed them that I have no contact with the relative they are looking for and again to not contact me. Rather than terminate the call, the representative attempted to push the 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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In around XX/XX/2020 i came across my credit report and found several fraudulent accounts, but specifically XXXX XXXX XXXX Account # XXXX i immediately sent out a police report and affidavit seeking to resolve these inaccurate accounts. instead of them being removed they came back as being updated. I realized that several laws were broken according to the FCRA. meanwhile i have been held hostage by this company and the credit bureaus. My score and history is tied to my character and is now being dragged and marred. this further makes it worse especially during this whole covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I would like to report unfair billing practices and reporting with intention to discredit an individual by constantly reporting negative information to credit bureaus information that is not current. I am being doubled billed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, TX ph # XXXX ) as well as Merchants Professional Collection Bureau , Inc ( XXXX XXXX XXXX XXXX, TX XXXX ph # XXXX ) for the same bills. I am being coerced by the two to pay both of them. I have been making payments on old accounts to both parties. I have a current payment plan with XXXX XXXX XXXX for which i have been paying on time scheduled payments as well as paying the other company as well. XXXX XXXX XXXX consolidated the old accounts and brought to current by me paying underneath one account for these old accounts to them, plus Merchants and Professionals collection agency is continuing to bill me as well as XXXX. Merchants and Professionals is constantly reporting to national credit bureaus negative on accounts that i have a current payment plan and is satisfactory paying with on time payments to the original company ( XXXX ) Both companies are getting money from me for the same bills. I am paying Merchants and Professionals as well outside of XXXX XXXX XXXX. Neither is reporting to each other. After speaking with XXXX XX/XX/2020, representative with Merchants and Professionals, XXXX states that they will continue to report negative to credit bureaus even though she is aware of my current payment plan for these old accounts and is currently paying XXXX XXXX XXXX for them. Please help me as i am not able to keep paying both. Merchants and Professionals is using reporting to credit bureaus as a method to coerce me to pay them too when i am paying XXXX XXXX clinic for what they are harassing me for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I reached out to Security Finance regarding credit reporting issues that I do not believe is valid. I requested validation of account ( s ), and have not received a response from the company. The USPS Priority Mail Tracking # XXXX, item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 in XXXX, SC 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 2020-09-09 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: GA

Complaint narrative:
I have submitted the attached documents to Equifax, XXXX and XXXX yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX XXXX. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted the attached documents to XXXX, XXXX and Experian yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX insurance. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a complaint with TransUnion. I attempted to check my credit score through a separate site which ultimately led me to the  TransUnion website. On XX/XX/XXXX I entered some basic information to the website in order to obtain my credit score/report. I was under the impression that there was no cost since nowhere did it clearly state that on the pages I was led through. One of the pages included credit card information which seemed weird since nowhere else did it say how much they would charge me or what they were charging me for. When I submitted all the information I was led to my credit score, however later in the day I received an email notification saying that I was charged my first monthly subscription fee of {$19.00}. I was not under the impression that I was paying for any service, or that there were ongoing charges that I would be paying. I logged into my account to cancel the subscription, however when I attempted to contact TransUnion to inquire about what happened there was simply nowhere on the website where I could get in touch with somebody either by phone or email or otherwise. The receipt email confirmation had text that said " click here '' for customer support but there was no link with that text. It seems that the company does not want customers to be able to reach them. I am very angry that they charged me for something that I was not intending to pay for, and they did not communicate that subscription payment in any reasonably clear way at all throughout the sign up process. I request that I receive the {$19.00} back in full as a refund. I will be making sure no one else uses TransUnion for credit needs, especially if they insist on not giving me my refund.

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 2020-09-09 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: World Acceptance Corporation
State: GA

Complaint narrative:
There are questions concerning the validity of items on my credit report from World Finance. Therefore, validation of account ( s ) had been requested. However, the company has failed to respond to validation request within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit reports.

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 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I previously spoke with a representative from XXXX XXXX XXXX ( who was the collection company for TD auto finance ) who told me that if I paid and resolved the debt that they'd agree to delete it from all three credit bureaus including XXXX, XXXX & XXXX because it was showing as a negative charge-off. I then paid and resolved the account and was then told they would send a letter in the mail confirming this after payment. I received the letter several weeks after payment was made stating my account was indeed resolved however, it was still showing as a negative account on all three credit bureaus. So the agreement that was made was not held up on their end. I have disputed this item numerous times via different channels to no avail. All I've gotten are remarks added to my credit report saying " updated '' but still no deletion made. With all the disputed attempts made requesting for deletion it has yet to have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I went and paid my HOME EQUITY LINE OF CREDIT in full on XX/XX/2020 and the payoff that I got from BMO Harris Bank was as of XX/XX/2020 but I paid it early. Since I paid it early, I was charged interest after the XX/XX/2020 and the bank has yet to refund me the extra interest that I paid. 

Also, BMO Harris charges me a fee of {$75.00} per year to keep the HOME Equity LINE OF CREDIT open which I paid on XX/XX/XXXXbut I received a new letter that shows, they will be charging me a monthly fee of {$75.00} stating XXXX and so on. 

My Home Equity Line of Credit documents that I signed when I opened the HOME LINE OF EQUITY show that maintenance yearly fees is {$75.00} and comes out of my personal bank 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