vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX - Equifax partial account number XXXX and XXXX  partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been asking for the funds I deposited to be returned to me. The bank is holding my {$700.00} and I need them to make my payments. I put in a request to get the funds available and I havent had a response that should have lasted 24-72 hours according to the person the placed it. I am already impatient because the bank closed the account for fraud. They are hold my money that has already cleared this check is money I need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RateGenius Loan Services Inc
State: CO

Complaint narrative:
To whom it may concern : I went through XXXX XXXX to see about refinancing my auto loan. When I asked to see what kind of loan I might be able to get I was contacted by several agencies. I ended up speaking with the first one that contacted me and they advised me they would do a soft credit inquiry. I agreed to it, however, I got a hit on my XXXX  Credit report from a company I hadn't even spoken with. They pulled my credit report which lowered my score without my consent. Below is their information. 

Alert Date XX/XX/2019 Source XXXX  Company RATEGENIUS/XXXX XXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX I didn't give consent to have my credit pulled and after speaking with XXXX XXXX they agreed that this wasn't a practice that they approved of and opened a Complaint Case : XXXX Against them. I was told by XXXX  that I needed to call the RateGenius back and ask them to remove the inquiry, however they claim that XXXX XXXX allows them to pull people 's credit. Even if that's the case they refused to call XXXX  to remove the inquiry after I made it clear that I wasn't going to business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX - XXXX partial account number XXXX and Transunion partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

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 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
XXXX and XXXX are reporting incorrectly that I am 120 days past due on a loan with the DPT ED/NAV - XXXX partial account number XXXX and XXXX partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2019 i logged into my account to make payment when i found out my account is being closed and i called to find out why, i was told my account is being closed due to my credit but i have a great credit and my credit report is currently frozen. so i don't believe any information i was given over the phone.. i need my account reopened asap. i have never missed a payment and i am being bullied by PayPal.com/scynchrony and my consumer rights are being violated.

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 2019-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
Sandtander Consumer USA LLC is the auto loan account holder for a XXXX XXXXXXXX XXXX in XX/XX/XXXX that I purchased. They are practicing a Rule of 78 's & Rule of 72 's loan which is prohibited in the USA & XXXX. 
Sandtander Consumer USA LLC is violating 15 US Code 1615 Prohibition on use of " Rule of 78 's '' in connection with mortgage, refinancing, and other consumer loans. 
They are utilizing daily compound simple interest, and prioritizing the simple interest & penalizing me the consumer for additional payments by applying additional principal payment funds to the daily simple compound interest. This practice was outlawed in XXXX in USA, and XXXX in XXXX is prohibited in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Froze credit report for Experian around the time XXXX  was shamefully hacked ( 2017 ). Now I have to lift a security freeze I set with them, but they deactivated my account and I am unable to lift the freeze within the time frame I have right now. 

This will cost me money that is critically important to me at the moment.

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 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I have a conventional 30-year loan with US Bank Home Mortgage. I have never been late with a payment. I recently changed insurance providers and paid for the next 12 months in advance to the new insurer. I called US Bank to request that insurance be deducted from my escrow account and to recalculate the escrow to a new ( lower ) amount. 

US Bank sent me a letter saying that I had to pay {$330.00} as an " escrow waiver fee ''. Because I accepted the bank 's discount for the bank to escrow my insurance, I forewent having to pay this fee. The fee is equivalent to an eighth of a percent of my unpaid principal balance. 

Today, XXXX XX/XX/2019, I called the bank back after receiving this letter to complain about this fee. The customer service representative repeatedly said that since I waived the fee at closing, hence the discount, the bank would be reinstating the fee. 

I believe this is an unfair banking practice because the bank is basically saying I have to pay them a fee for them NOT to provide the service of escrowing my home owners insurance and then paying it on my behalf. I am an adult and am capable of paying the insurance company directly, and then providing the bank proof of insurance payment. It's ridiculous that I have to pay the bank a " fee '' ( whether at closing or later during the serving of the loan ), NOT to take an action. This is extortion : " Pay me to not provide a service ''.

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 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To whom it may concern : I went through XXXX XXXX to see about refinancing my auto loan. When I asked to see what kind of loan I might be able to get I was contacted by several agencies. I ended up speaking with the first one that contacted me and they advised me they would do a soft credit inquiry. I agreed to it, however, I got a hit on my Experian Credit report from a company I hadn't even spoken with. They pulled my credit report which lowered my score without my consent. Below is their information. 

Alert Date XX/XX/2019 Source EXPERIAN Company XXXX XXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX I didn't give consent to have my credit pulled and after speaking with XXXX XXXX  they agreed that this wasn't a practice that they approved of and opened a Complaint Case : XXXX Against them. I was told by Experian that I needed to call the XXXX back and ask them to remove the inquiry, however they claim that XXXX XXXX allows them to pull people 's credit. Even if that's the case they refused to call Experian to remove the inquiry after I made it clear that I wasn't going to business with them.

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 2019-02-20 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: BB&T CORPORATION
State: FL

Complaint narrative:
At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score 35 points because it states that I had a high balance, and missed a payment.

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 2019-02-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score XXXX points because it states that I had a high balance, and missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has been brought to my attention that I have a XXXX XXXX XXXX account opened in XX/XX/2017 in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.

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 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It has been brought to my attention that I have a XXXX XXXX XXXX account opened in 2017 in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It has been brought to my attention that I have a XXXX XXXX XXXX account opened in XX/XX/XXXX in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.

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 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that is reporting inaccurately. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking my credit. I have disputed and reached out to Transunion several times and they say the same thing over and over. The companies either need to provide proof of validation that this account is charged off or this account needs to be updated appropriately as Paid in full satisfactory. I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : ( XXXX XXXX XXXX ) # XXXX. I have even sent Transunion copies from XXXX showing that they have this account reported accurately as paid satisfactory and that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect.

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 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
So I recently disputed several inaccurate items on my credit report on Experian. I disputed exactly how it is said to do and used factual information and attached documents to support my reasoning for what I wanted done. Out of the 8 items I disputed only one item was removed from my report. I have attached a copy of what was sent to me. I don't understand how you ask a person to be specific and then when it happens nothing is done. These are clear violations that are showing on my report. XXXX XXXX XXXX was the only account that was removed. On the attachment I am sending I have marked all the inaccurate and clear violations such as date of status not being updated to show that a investigation was even performed, late payments on accounts after the accounts are charged off and closed, and monthly payments on a account that are closed and sold/transfered but doesn't even state who bought the account. These are all violations and I have asked for these accounts to be removed /deleted from my credit report. On XXXX XXXX it shows late payments and I have never been late. I have asked Experian to provide me the paper work or a bank statement to show me proof that I was ever late. I have never received anything. I have also asked for documents showing my signature on a contract and they have not provided this information either. I am very upset because I am getting no where with these disputes and I am showing them that the items they are quote on quote verifying are being deleted by XXXX and XXXX so how is it still showing on mine after I have disputed. All the bureaus get there information from the same sources so why am I not getting the results I have asked for. I don't want a letter telling me I need to be more specific because I have attached my dispute letter as proof that I am being very specific in what I am saying and wanting done. I also want my personal information to be corrected to one date of birth, one social security number, one address, one employer, one phone number as I have asked and disputed 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 non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NV

Complaint narrative:
XX/XX/2019 I deposited a check for {$2800.00} into my account via mobile deposit through Key Bank. I contacted Key Bank through their 800 number and was notified the deposit was being put on a 7 day hold and to find out more I had to contact the branch manager. I contacted the branch manager at Key Bank in XXXX, OR where I banked. She was not exactly sure why the hold was placed or what was taking place. The branch manager contacted Key Banks internal fraud department and got back to me after she figured out what was taking place. She notified me the check would be on a 7 day hold, reason was the bank didn't believe the check was good and that it was a fraud. She told me as of XX/XX/2019 the funds would be available and the holds would be removed. Come XX/XX/2019 the funds deposited into my account yet then key Bank froze my entire account. I got a letter from Key Bank in the mail that stated they had confidential information believing the check wouldn't be paid out yet the funds and the holds would be removed as of XX/XX/2019. As of XX/XX/2019 my account is still frozen the check cleared and the bank from which the check was withdrawn from verified the check to Key Bank and the law firm that sent me the check also verified to Key Bank the check was good.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
XX/XX/XXXX I had a payment due with Navient and autopay was setup on wrong account. I was charged a NSF of {$0.00}. I paid this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I called too many times to count. Calls are r ecorded also. I  will never be able to pay off {$0.00} unless I pay entire balance and payments are not able to allocated to this {$0.00} only if What several reps over 5 months have told me. I also on income based repayment plan of {$0.00} but still have to pay {$0.00} each month. 
Navient is stealing money since no customer are able to get correct information and uncomfortably long wait times that you feel you should apply for a position with them since you have to put aside at least 3 hours for any situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted XXXX  several times via phone online, and via first class mailings on many occasions in regard to an account that is reporting inaccurately. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking my credit. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to provide proof of validation that this account is charged off or this account needs to be updated appropriately as Paid in full satisfactory. I've called XXXX and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : XXXX XXXX XXXX XXXX XXXX # XXXX. I have even sent XXXX copies from XXXX showing that they have this account reported accurately as paid satisfactory and that XXXX keeps saying verified. How can they all be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX placed a charge on my credit in XX/XX/2018. I called and made arrangements to settle the account and get the charge off my credit report. I explained I was trying to get a mortgage and they said that they would. They sent me a letter stating that the balance was XXXX but the charge is still on my credit report and is reporting negatively.

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