vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus for a long time and have not received any results from the bureaus. It has been over a year and my credit looks exactly the same. No inaccurate items have been received, this is ridiculous. I will attach the most recent letters but there have been many previous to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus for a long time and have not received any results from the bureaus. It has been over a year and my credit looks exactly the same. No inaccurate items have been received, this is ridiculous. I will attach the most recent letters but there have been many previous to this.

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 2021-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am very angry. I applied for and received a Citibank Best Buy card because I knew that I was going to be making a large purchase and was drawn in by the 10 % offer on my first purchase with that card. I made the $ XXXX purchase on XX/XX/2021, XXXX # XXXX, but was only given 5 % off. I thought that was just a website glitch, so I went ahead and placed the order, but when I called in, I was told that the XXXX products I bought were not included in that offer. 

I went back and looked at the Terms and Conditions with the card and there was NOTHING said about exclusions! Nor is there anything to click elsewhere on the website in order to see any restrictions on the 10 % off. How dare they make that offer then just decide not to honor it on certain items without telling the customer! 

I have wanted to support brick and mortar stores, but not if they are going to cheat 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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Eastern Account Systems is attempting to collect a debt from 14 years ago. This is not a valid debt and it is outside the statute of limitations being over 14 years old. The debt was opened from XX/XX/XXXX through XX/XX/XXXX for an account back from XX/XX/XXXX from WOW services. I am unfamiliar with WOW services. When I spoke with two different representatives at Eastern Account systems they had no documents or any records to explain this debt. I called WOW services myself and verified my account and they have no notes, documentation, billing statement explaining what the debt was for and told me to contact Eastern Account Systems. This has ruined my excellent credit score of 800+. In the past 14 years I have never heard of this debt on any of my credit reports which I check regularly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
MY REQUEST WAS SENT XX/XX/XXXX AND NOT ONLY HAVE I NOT RECEIVED A RESPONSE IN A TIMELY MANNER OR AT ALL BUT THE INACCURATE INFORMATION IS STILL ON MY REPORT. 

I ASKED FOR THE DESCRIPTION OF THE PROCEDURES USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE DISPUTED INFORMATION, INCLUDING THE BUSINESS NAME, ADDRESS, AND TELEPHONE NUMBER OF ANY FURNISHER OF INFORMATION CONTACTED IN CONNECTION WITH THIS REINVESTIGATION AND WAS IGNORED. 

THIS BEHAVIOR IS UNACCEPTABLE AND IT IS CLEAR THERE IS NO RESPECT FOR FEDERAL LAW OR MY RIGHTS AS A CONSUMER!

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 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
I attempted to have the reporting bureau verify the debt on XX/XX/XXXX. I attempted to have the furnisher validate the debt on XX/XX/XXXX. Neither parties have provided any type of verification/validation of this debt. 

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a personal secured credit card with Fifth Third Bank. After they ruined my business account by charging {$40.00} for a cashier 's check two weeks after I received it and multiple overdrafts that this caused. They refunded the {$40.00} back for the cashier 's check a year later and apologized but did not resolved the multitude of charges that this caused. I asked to have all my accounts closed. The secured account had a balance equal to the secured amount of {$300.00}. Fifth third then took that {$300.00} and then charged over {$300.00} in fees. I have asked for this to be resolved multiple times, I'm transferred multiple times each time I call and no one seems able to handle this issue. I've sent letters and it is not resolved either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/XXXX my account was suspended Ive provided everything theyve asked for plus more. The customer service representatives can not help with anything they just keep telling me to email chime member services. I have been emailing and calling since XX/XX/XXXX. I have not been getting any updates, any follow ups or anything. The supervisors tell me they are escalating my case every time I call but I have still yet to receive an email, call back or my account back opened. Ive uploaded my ID, My Tax Return, A Bill, A Selfie, Screen Shots From XXXX XXXX, an email of my chime deposit. Ive provided an explanation of the funds Ive received and provided my tax return. Im not getting any help what so ever, Im not getting any explanation or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Hello, I had a vehicle, a XXXX XXXX XXXX. I bought it new in XXXX and the loan was through TD Auto Finance. In XX/XX/XXXX, I sold the car to a private party. He paid cash with a cashier 's check into my bank account. I called TD Auto Finance to discuss the pay-off of my account. I was told to wait to make sure the cashier 's check posted, then call back and I had to conduct the pay-off over the phone. I called back again once the check cleared and was told by the customer service rep that I could not do pay-offs over the phone, that they were online only. So, I went online and made my pay-off of {$44000.00} on XX/XX/XXXX. Several days later I get an email saying there was a problem with my payment and it was returned due to " insufficient funds '' even though I had the money in my bank account to cover it. I called TD again and was told that I could only make payments online of up to {$40000.00} and that is why my payment did not go through. The rep told me to try again with two separate payments of {$20000.00} each. I did. The first payment was declined because I indicated it was a savings account instead of a checking account, even though when you make a payment online, it did not give me the option to choose. So then I try again ( for the 3rd time ). Then, my payment is declined because they were " unable to locate the account ''. I called TD again. The next person ( 5th or 6th person I've talked to at this point ) told me that you can only make pay-offs over the phone and you can only pay up to {$10000.00} at a time and only once every 24 hours. Then the 8th person I talked to told me I could make up to 5 payments in 72 hours. So by this time, I am highly upset at this company because every single person I talked to had something different to tell me. I eventually got the loan paid off by using their phone payment system and making {$10000.00} payments four times, plus an additional payment of the remainder. Now, mind you, another payment has come due that I was required to pay even though the car had been gone for a couple weeks. So TD Auto Finance got me on that one. I signed a contract with the buyer that I would pay off my account in 72 hours and instead, it took 5 weeks. I finally was able to send him the title to the vehicle yesterday, XX/XX/XXXX. TD Auto Finance, I feel, was using tactics to prevent me from paying off my loan. I personally believe that they did not want me to pay off this $ XXXX auto loan because of the interest they were making on it. I feel like I was taken advantage of and that they were doing this on purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted multiple time to have the issue corrected with the company, and with letters in phone called, and they have not corrected the unauthorized information. I will attach some of the information - The CFPB has contacted them, and they reported that they would correct or investigate the issue, and did not complete with they said they were going to do.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECIEVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECIEVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information is being used to scam my account for unemployment payments. I froze my credit report with XXXX and they told me I had to contact the other two companies on my own because they would not do it for me, even though the FTC said they had to do so. Then, I froze my account at XXXX. Last, I tried to freeze my account at Experian and when I was finished, they said I had to send them a wide assortment of documents by mail or they would not freeze my account for me. I need it frozen now and why are they making me send all these documents? I believe they want me to pay {$30.00} a month to join their subscription service for freezing my credit report with them. This is illegal and they should be made to pay a fine for this deceptive practice of scamming consumers who are already being scammed.

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 2021-06-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and Southern Management SYST ( debt collector ) They have failed to provide documentation that the debt is legal.

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by Southern Management SYST immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
So I was XXXX and reached out to car company regarding the car and payments and the engine went out in the car. After that I had XXXX on my throat. They asked for a replevin I offered to do a settlement of several occasions. They denied. I returned the vehicle. And afterwards they salvage the car. For the same amount I offered XXXX. And still they want me to pay XXXX. And I asked they about the gap coverage. And they denied giving me that info i.p.o by

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mortgage loan was in forbearance. I was told repeatedly by company personnel that there would be no negative credit reporting if the forbearance was satisfied by XX/XX/2021. I actually wrote a letter requesting an extension for 45 days. The extension was given until XX/XX/2021 via letter from XXXX XXXX, Customer Relations Specialist. I subsequently paid off the forbearance in full on XX/XX/2021. 
On XX/XX/2021 the company reported to the credit bureaus that I was delinquent over 180 days, the entire sum of the forbearance was delinquent and I had a loan modification!! In addition the principal balance of the loan was in error. 
It dropped my credit score XXXX points overnight!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I have a charge on my Citi Credit card from ( XXXX # XXXX XXXX XXXX ) in the amount of {$4800.00} on XX/XX/2021. 

I called Citi and they cancelled my card and issued new card. There were a total of 26 fraudulent charges on my account from XX/XX/XXXX to XX/XX/XXXX for a total of {$7900.00} I contacted Citi about the XXXX XXXX and they denied my claim because I had a valid charge from XXXX in the amount of {$240.00} on the same day. They said I needed to contact XXXX for the refund. 

XXXX told me that a person by the name of XXXX XXXX prepaid online for a rental to be picked up on XX/XX/2021 in XXXX XXXX, NC but never picked it up. They told me they would credit the amount to the credit card but never did. When I called back they told me to get a police report which I did. Now when I call XXXX back, they just hang up on me. 

I have contacted Citi twice again today. Both times got disconnected.

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 2021-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the CPFB about Loancare and the issue I had with them updating incorrect information on my credit report. I received a letter dated XX/XX/XXXX stating that Loancare was going to correct erroneous information on my credit report and Loancare has updated some negative information but has now been updated with ADDITIONAL ERRONEOUS INFORMATION. My credit report is still reflecting a 120-day late payment on my XXXX for XX/XX/XXXX and another 120-day late on my XXXX Report for XX/XX/XXXX. Loancare removed the 120-day late they had reporting in XXXX of XXXX but added a new one and this is wrong! I have called again to find out what the issue is SINCE I WAS IN AN ACTIVE CARES ACT FORBEARANCE SINCE XX/XX/XXXX AND AN ACTIVE CH. XXXX BANRUPTCY SINCE XX/XX/XXXX and late payments can not be reported and THERE WERE NO LATE PAYMENTS AND DUE TO THE CH. XXXX FILING, NEGATIVE INFORMATION CAN NOT BE REPORTED AND THERE WAS NONE TO REPORT DURING THIS TIME. I attempted to call XXXX XXXX who was the lady that sent the letter that I received from Loancare in regards to my previous complaint but her extension comes back as invalid. I don't know who else to contact about this issue. My next step is to contact senior leadership up to level of the President of the company. While on the phone trying to resolve this issue because I can't reach the lady that sent the letter, I keep getting different answers and it seems no one really knows the rules so they give their best guess. These best guesses again are stopping my from getting a home. I am a single mother and XXXX veteran who can not qualify for a mortgage because of this error me and IT'S WRONG!

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 2021-06-30 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Sagestream , llc provides false information that no other agency provides and false information that is detrimental to fair credit decisions. Sagestream credit score is XXXX points lower than the REAL credit reporting agencies. I have an over XXXX credit score everywhere else. I know for a fact because I just verified it. Sagestream is a scam company. They list factors like distance between area code and phone number as a key factor adversely affecting score. I have had the same number for 20 years and it is the only area code in my zip code. How they make this XXXX up Ill never know. Limited history for consumer at this phone number. Once again, Ive had this number for 20 years. It has been tied to 3 mortgages and probably 6 car loans all of which were paid on time never late and satisfied in full. Also tied to multiple bank accounts and credit cards. I have under 1 % credit utilization. They list too few retail accounts as a factor. False. They list too few active accounts as a factor. False again. They basically just make stuff up to torpedo you.

Company response to consumer: Closed with explanation