vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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:
For a few years I have been going back and forth with Experian about a public record listed on my credit report. Each time they say XXXX XXXX XXXX provided the information to them. I have contacted XXXX multiple times and multiple times they have said they are not reporting the information to Experian. In XX/XX/XXXX XXXX provided me with a letter that states they have no record of a bankruptcy and have not provided that information to Experian. I have sent this letter to Experian on multiple occasions and Experian refuses to remove the public record and states that the record was investigated previously and the dispute is frivolous. 

Also, in XX/XX/XXXX I had sent a letter into Experian to investigate a slew of credit inquiries. Since I have a fraud alert on my credit file for identity theft I asked to see the permissable purpose of the credit inquiries they are currently reporting. Experian replied, XX/XX/XXXX, with a copy of my credit report stating that inquiries are a factual part of my credit report. 

Experian routinely violates consumer rights under the FCRA by either labeling disputes as frivolous or outright ignores the dispute all together. If I had to guess, I have asked Experian atleast 20 times to remove this public record all to no avail. 

I would like the CFPB to step in and represent me and hold Experian accountable for the disregard of my rights afforded to me by the FCRA. As you know, the FCRA was enacted to protect consumers from situations as this. I have attached a copy of the letter XXXX provided as well as an excerpt from the response I received from 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 2020-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Amount is over {$1000.00}, I had financial hardships in the past years while attending school and working two jobs. I still attend school and have become more knowledgeable about how credit works. I was young and took bad advice about getting a credit card. I was not informed about interest rates or what kinds there are. The credit card process was quick and given to me within 5 minutes. I honestly believe credit cards should be 21 and up. Point is, I had tried to connect with someone on this issue after I had missed payments after losing my job while attending school full time. The credit card company was hard to speak with because of either an accent or impatience. I am currently making payments of {$150.00} and it is crumbling me.

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 2020-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: AR

Complaint narrative:
I was grandfathered in with Premier Student Center has been partnered with first XXXX whom were involved in a lawsuit. Premier Student Center then transferred my file to XXXX XXXX XXXX and in XXXX of last year I was sent a notification that Premier Student Center was in a lawsuit. The first school I attended was XXXX  XXXX University that was in a lawsuit and now XXXX XXXX XXXX is charging XXXX daily for interest that is way out of hand. Can someone find out about the money that I have tied in with the Premier Student Center and to get in touch with me to know what is really going on with the whole situation that was supposed to be a forgiveness program.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a checking account with Chase that I had had for almost 10 years. It was a grandfathered account that had no monthly fees as long as my debit card was used at least 5 times each month. 

I was dealing with a brief period of homelessness, and had not used my account. When I went to check my balance, I had noticed it had been closed due to inactivity. 

I was not given any warning or notification that this was possible, or going to happen. 

What is more, I regularly logged in to online banking and used the chase app, which I feel should count as sufficient activity to prevent the account from being closed. 

I had been using the account all year, there was a lot of activity, including while I was overseas and using the card in foreign countries, as well as numerous quickpay transfers into my account. 

I contacted the company to reopen the account, however they said they would do so under no circumstances. As a loyal customer, I found this to be disappointing. Chase does not offer an equivalent account with a way to waive monthly fees by using a debit card 5 times a month. 

Additionally, I have lost all access to my banking history and statements, which I need to submit taxes as well as for legal evidence in future court cases. 

Ultimately, I do not think the level of activity was so low as to warrant closing the account, especially with no warning or notification and recent activity using online banking via the website and app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
To Whom It May Concern : I am writing this complaint to inform you about the descrepancies that occurred to my mortgage account which in turn has created a major negative effect to my credit report. On XX/XX/XXXX i called in and spoke with a customer service representative by the name of XXXX. She in turn was able to help by correcting and waiving all late fees that were assessed to my account due to the error. She also notified me that my account was fully paid and up to date. and Lastly she supplied me with this email to contact someone to look into this matter to have my payment status reported correctly and remove the 30 day late payment from my credit report. I am requesting to have the 30 day late payment removed from my credit report due to the issues that occurred to my account that were not of my control. 
For the past three months, my account has not been properly deducting my payments from my checking account at Whitney Hancock Bank and processing the ACH payments. Each of the last three months I have deposited the funds for my mortgage into my checking account as usual and came to find out that no ACHs were occurring to deduct the funds from my account. The funds accumulated up to {$3500.00} before i received an alert on my credit report that my mortgage had not been paid. 
When i purchased my home back in XXXX of XXXX, I signed an ACH payment letter stating that my checking account would be automatically deducted from in order to pay my mortgage payments. For the last 20 months, I have not had any missed payments. I take my credit and bill paying seriously and make sure all of my bills are paid monthly without missing any payments. Ive worked extremely hard to get my score above XXXX and would appreciate the help in restoring my credit back to what it was prior to this banking/computer error that has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My friend was authorizing me to speak on their behalf to one of their creditors. During the authorization process we specifically asked and verified that this authorization would only allow me to speak on behalf of the user, and not actually attach me to the account from a liability standpoint. The creditor confirmed that it was only to authorize me as a " non-user '', and that the account would not be reported or show on my credit report. As of today, I noticed that this account is in fact showing on my credit report, and negatively impacting my standing. As a result, I am not able to move forward with some financial plans I had, until it is corrected and removed from my reports. My information was used without my consent and I was fraudulently added to an account by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX CNAC of XXXX Virginia located on XXXX XXXX XXXX XXXX. falsely reported to the credit bureaus serval times that a balanced was owed after trying to sue me and having they lawyer sign and agreement on XX/XX/2019. i have submitted the court papers serval times to the credit bureaus and they still state that they cant remove the debit that is owed. After contacting them and the lawyer office with XXXX XXXX they stated that their lawyer hadn't agreed to this and a balance was still owed. Now on XX/XX/2019 they are stating the only way to remove the debit is for them to fill out a 1099 form and I would have to report on my taxes but I didn't receive any payments are anything from this company. this was an auto loan with installment payments where I voluntary surrendered the vehicle due to it being a lemon vehicle, and they never disclosed that information to my attorney or me. The general manager XXXX was very rude when I asked why would they fill that form out seeing how I didn't receive any funds from them, he then stated I need to ask a tax advisor that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
I have requested in previous letters to Equifax, to have Public Records Information re-investigated pursuant to the Fair Credit Reporting Act. In their response they claim that this information was in fact confirmed as mine with a third-party Data Furnisher called XXXX in XXXX of 2019.I have informed them and provided proof that they could not have verified these items with XXXX as I have a letter from them stating that there has been a Security Freeze on it since XXXX of 2019. It is impossible for them to have verified any information with this Data Furnisher and my Consumer Rights have been Violated by their inaction to correct this matter by deleting this inaccurate information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX started a Refinance w/ Lender One Financial out of XXXX Tx . The Broker was XXXX XXXX NMS # XXXX. Worked with this broker for 2 months and was told that my refi was a difficult refi. I was given all kind of reason why and was made to believe it was going to be hard. They had me to do a survey and two appraisals that cost me over {$2000.00} and one of the appraisals was not authorized by me and was charged to my credit card. I finally after inquiring with others, went to another broker. This broker has me closing in 3 weeks. We have been trying to get a release letter signed for the appraisal that was paid for from This Company for week, I have been passed from one to the other and still do not have letter. I know this is not right, should have been done the day I requested it, that is the normal. It is holding my closing up and I do not want to pay for another appraisal. My last contact was on XX/XX/2020 with this company. Please Help with transfer letter. This has jeopardized my refi with this other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: MD

Complaint narrative:
EXPERIAN, XXXX, AND XXXX IS KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX THE DEBT PURCHASER. THEY REFUSE TO CHANGE THE DATE OPENED ON THE ACCOUNT TO INJURE MY CREDIT STANDING AND THEN SELL ME CREDIT CARDS.

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 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: NC

Complaint narrative:
Yesterday, XXXX  contacted me through email that I had a change to my credit report. I checked it. First Federal Credit Control reported on my credit report that I owe two bills for the amounts of {$120.00} and {$74.00}. The report says the original creditor was XXXX XXXX. 

I have never heard of the collection company or the original creditor on my report. I also was never notified by the collection company or the original creditor for a bill. I am disputing both amounts since these bills do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT RELATE TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED ME. THEY HAVE BEEN DAMAGING MY CREDIT AND HARMING POTENTIAL LOANS THAT I APPLY FOR. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT AND ITS EMBARRASSING BEING DENIED FOR A SIMPLE LOAN. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT.

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 2020-01-23 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: MD

Complaint narrative:
XXXX, TRANSUNION, AND XXXX IS KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX THE DEBT PURCHASER. THEY REFUSE TO CHANGE THE DATE OPENED ON THE ACCOUNT TO INJURE MY CREDIT STANDING AND THEN SELL ME CREDIT CARDS.

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 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
I have has a mortgage since XXXX on the property located at XXXX XXXX XXXX XXXX, Wi XXXX. However, in XXXX this mortgage was sold to Citizen One. I always received my escrow check in XXXX so I could pay my taxes in XXXX. This year I did not receive a check. I called In XXXX and they said they would issue me a check. It w XX/XX/XXXX and no check. With that said I received a check today from Citizen One that was cut on XXXX XXXX. Yes 53 days. So I called to see if this check had been cancelled and when the new check was issued. I was told that the new check was issued on XX/XX/XXXX and this check has been cancelled. I have now been on the phone with Citizen One for one hour and they are not sure if they can get me my money in my escrow account. I have about 50 % equity in this home and only did the escrow account as a convenience. This is no longer convenient and they are not releasing my funds or taking this situation seriously. The taxes are due by XX/XX/XXXX and it is the XXXX of XXXX. 

XXXX at Citizen One on XX/XX/XXXX mentioned it was a communication issue between departments.She said she was going to place me on hold and then expedite me a check after she emailed an internal department. However when she placed me on hold she disconnected me. And in the beginning I verified my phone number. No call back apologizing that she accidentally hung up. 

I want me money for my Property Taxes Citizen One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
I have requested in previous letters to Transunion, to have Public Records Information re-investigated pursuant to the Fair Credit Reporting Act. In their response they claim that this information was in fact confirmed as mine. I have requested their " METHOD OF VERIFICATION '', yet they have not provided it to me. I have contacted the Court listed and they have stated that they do not provide any such information to the Credit Bureau 's. It is impossible for them to have verified any information with the Court and I have Security Freezes on all other Data Furnishers. It is impossible for them to have verified this information and my Consumer Rights have been Violated by their inaction to correct this matter by deleting this inaccurate information from my credit file.

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 2020-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Atlas Credit company, XXXX XXXX XXXX XXXX If I could give them a -0 I would, the manager XXXX fraudulently renewed my loan without my knowledge, I had to call corporate and report him, he lied till the end, First he said that the other man that worked their XXXX did it, then he called back and said it never happened, then when I contacted the Corporate people, he said that I told him to renew it over the phone which was a flat out lie, I never signed anything, and the sad part is, this is the second time it has happened to me, the first time I caught it before I left, this time I got home and caught it, there is no telling who else this has happened to, you need to check your accounts because they are so dishonest, the only person that I got a result from is the Corporate person XXXX, she helped get my account straight, I want to pay them off and never deal with them again!!!! XXXX YOU ARE A FRAUD AND A THIEF!!! ATLAS CREDIT ON XXXX YOU ARE FRAUD, AND I HOPE THE YOU GET AUDITED AND THEY FIND OUT WHO ELSE YOU SCAMMED!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: MD

Complaint narrative:
EXPERIAN, XXXX, AND XXXX ARE KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX ON MY CREDIT FILE THE OPENED DATE AND THE DOFD DATE OF FIRST DELIQUENCY.

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 2020-01-23 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT RELATE TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED ME. THEY HAVE BEEN DAMAGING MY CREDIT AND HARMING POTENTIAL LOANS THAT I APPLY FOR. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT AND ITS EMBARRASSING BEING DENIED FOR A SIMPLE LOAN. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT.

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 2020-01-23 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT RELATE TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED ME. THEY HAVE BEEN DAMAGING MY CREDIT AND HARMING POTENTIAL LOANS THAT I APPLY FOR. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT AND ITS EMBARRASSING BEING DENIED FOR A SIMPLE LOAN. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I was denied credit from a company who stated I could get a free copy of my consumer report from the consumer reporting agency below. I wanted to know what was in the report to find out why I was denied credit. I have tried to get a free copy of my consumer report from the following company for a couple of months ( XX/XX/2019 and XX/XX/2019 ). I called the company and left a message for them to call me back several times. They never called me back. I finally sent them a letter requesting my consumer report on XX/XX/2019. I sent the required identification information with the letter. I have not heard from them. It has been over a month. They have a website with a form to request your consumer report, but I did not want to put my social security number on the form and send it over the internet. The consumer reporting agency is : Sage Stream, LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.sagestreamllc.com

Company response to consumer: Closed with explanation