vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-22 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: Seterus, Inc.
State: FL

Complaint narrative:
. Seterus reported late mortgage payments on my credit report that are not accurate. They have listed me as being late 30 days XX/XX/2017,XX/XX/2017 and XX/XX/2017 and 60 days late XX/XX/2017 ( I was 30 days late on the XX/XX/2017 payment ). Many payments were not credited to my account correctly. I have tried to dispute this though the credit bureaus, but was told that the information had been verified, but received no proof of this. This is damaging my credit score. I made on line payments and telephone within the grace periods, but these were not credited to my account in a timely manner.

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 2018-09-22 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: PA

Complaint narrative:
XXXX XXXX XXXX has not reported on my TransUnion since XX/XX/18 as paid or current as by my report Transunion File # XXXX XX/XX/2018 I have paid as agreed and have all of my money orders as proof as paid.

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 2018-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2018, I visited Citibank XXXX XXXX and opened a checking account. My account number is XXXX. I was served by XXXX, XXXX XXXX. He promised me I could receive a XXXX dollar bonus after I deposit XXXX bucks in 30 days and keep it for 90 days. I did accept this offer and I did a deposit. 

Later, I wait till XXXX and there is no bonus appear. I went to CITIBANK online chat and was told I have to wait till XXXX. Then I wait till XXXX. and no bonus appear. I made another online chat on XX/XX/2018, and was told I have to send my XXXX form because of the banker 's mistake. The person I chat with is named XXXX. She confirmed my bonus, and said I have to wait another 14 days. Well, I send the form to Citibank, and then I wait another 2 weeks. 

Today on XX/XX/2018. I made a third-time online chat. The customer representative named XXXX said she can not find the account bonus, refused to do further investigation for me, and urge me to go to branch, which is 300 miles from my current address. She said the bonus is end on XXXX. But at the moment I check with them on XXXX and XXXX., they just let me wait!

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 2018-09-22 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: LEXISNEXIS
State: NV

Complaint narrative:
Okay, over the past several months I have been corresponding with " LexisNexis Credit Reporting Bureau '', Trying to get them to delete a Bankruptcy charge off my report.

This company is a Third Party that sell information to other credit reporting Bureau which is against the law. I have copies of all three different Credit reporting agency Last credit reports. One XXXX Reporting Act shows a correction vs the other two.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live.

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 2018-09-22 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:
The check I received from work ( XXXX XXXX XXXX ) on Friday XX/XX/XXXX for {$440.00}, which I have been depositing through Bank Of America ATMs for the last two years and which have always been paid out by the company and never caused problems. was placed on a hold by the bank. Upon calling Bank Of America to inquire about this the next morning, I was informed that the hold would last until the XXXX, and that my first {$200.00} deposited would be made available the morning of the XXXX. I need those funds to make payments by Monday XX/XX/XXXX, but the bank representative I talked to was extremely unhelpful, saying that there was nothing they could do to reverse the hold or push up the payment of the first {$200.00}, which according to their policy must be made available the day after my deposit.

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 2018-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I was granted a simple interest loan, with an 18.2 % interest rate which I understand to be the default rate for borrowers with poor credit. I understand that, but the issue I have is that, although I've made some but not all payments, my loan balance has not amortized. I've mentioned this to the company ( Santander ) on two separate occasions, but received no explanation why this is the case. So, the monthly payment is being applied as interest, none to principal. As a result, the loan 's interest rate is effectively 27.6 %. I have calculated a loan amortization schedule, incorporating the details from my loan, and the monthly payment amount " works '' ; so I'm not sure what the Bank is doing, but no change has been made or explanation given.

As of late, I have fallen three months behind in my payments, but just called today ( XX/XX/18 ) to inform the Bank that I was going to bring my loan up-to-date next week, when I receive additional income. Instead of noting such, I immediately got the third degree of can I pay today, why haven't I paid, etc. I got angry for being treated this way for the " nth '' time, and their response was : your car was assigned for repossession ; so we need to get you under a certain number of days past due, etc.

I understand that I'm delinquent, but there's only some much someone should take when a borrower is distressed but trying to be compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX on my Equifax Report has not been updated since XX/XX/2018 as paid as agreed or current. I have all my money orders as proof as paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: MA

Complaint narrative:
Hello, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
There was an accident on XX/XX/2017 that happened with my father. Afterwards the claim was placed on my name, possibly due to me being a XXXX. At that time, I was nowhere near the scene and wasnt even driving. I got insurance later, around XXXX, and found out that due to a report, I have an accident under my name that I wasnt a part of. I even asked for a police report just to make sure, and sure enough, the information provided to the officer doesnt coincide with me. Just trying to get rid of this accident off of my name in order to go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: Credit Karma, LLC
State: GA

Complaint narrative:
Have a AUTO dispute under investigation more than 60 days now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Have a AUTO dispute under investigation more than 60 days now

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 2018-09-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
GOT A PREAPPROVAL FOR CARD YET MY CREDIT WAS STILL RAN GIVING ME MULTIPLE HARD INQUIRIES.

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 2018-09-22 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
GOT A PREAPPROVAL FOR CARD YET MY CREDIT WAS STILL RAN GIVING ME MULTIPLE HARD INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: CORELOGIC INC
State: PA

Complaint narrative:
I requested my CoreLogic credit report XX/XX/XXXX. I received the wrong credit report on XX/XX/XXXX. I reached out to CoreLogic to let them know they sent the incorrect XXXX credit report. On XX/XX/XXXX I received my XXXX credit report. I seen some items I didn't agree with so I started a dispute. In there letter they mentioned if a consumer shall find any inaccuracy that the agency shall conduct a reasonable investigation. I found that hard to believe. I never received any validation with my signature on it which I asked for on XX/XX/XXXX for validation. Corelogic responded back on XX/XX/XXXX stated it was verified, still no copy with my signature. I wrote back on XX/XX/XXXX asking again. CoreLogic responded back on XX/XX/XXXX stating that they already verified and I need to contact the creditor to confirm validation. Why would I contact the creditor, Corelogic is the one reporting the inaccuracy on my credit report? Then XX/XX/XXXX CoreLogic suggested again that I need to check with the creditor. If CoreLogic doesn't have validation ( signed contract ) with my signature on it, they need to remove/delete inaccurate information reporting. They then tell me in the meantime they have open a dispute on my behave. I find coreLogic in violation of my consumer rights and I like to seek relief and recover all monetary damages that I maybe entitled to section 617,616

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 2018-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX credit card stop sending me monthly statements about my credit card more than a year ago and they started to charge me late fees of {$35.00} each month even though I was making monthly payment. 
when i opened the credit card with XXXX, I requested to receive the monthly paper statements only via postal mail. 
XXXX intentionally decided not to send me monthly paper statements so I will not know the due date and they can charge me late fees each month. 
XXXX knowingly engage in fraud by retain monthly statements in order to charge me late fees charges of {$35.00} each month. 
I have never authorized or agreed to receive monthly statement by any other mean than paper statements via postal mail. 

When realized that I was been charged monthly late fees for over a year, I asked Mr XXXX XXXX, the XXXX manager to remove all the late fees charges since I could not know when the monthly payment was due without a statement. He agreed that it was XXXX mistake and he could only refund XXXXne month out of more than twelve month. 
I told him that this was not a fair and satisfactory resolution for me and I decided to close my account with XXXX and told him that i will not paid the balance of {$940.00} until the fraudulent late fees are removed.

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 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Responded to Portfolio Recovery Associates mail offer that if I pay a certain amount for a collections account, then theyll have the account be considered settled in full with the three credit reporting agencies, however, they did not meet their end of the agreement and the account shows on my credit reports as settled for less than the full amount not settled in full as promised. I will not speak to any of their rude employees who proceeded to harass me to pay more money even though the account should already be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
In XX/XX/XXXX, I filed a prior complaint with the CFPB, number XXXX, regarding PHEAA 's incorrect determination of my qualifying payments for PSLF during my employment as a law clerk with the United States District Court for the XXXX XXXX of Pennsylvania ( XX/XX/XXXX, through XX/XX/XXXX ) and the United States Court of Appeals for the XXXXXXXX XXXX ( XX/XX/XXXX, through XX/XX/XXXX ). Following that complaint, PHEAA provided the attached list of its determination of my qualifying payments during these employment periods. Among other issues, PHEAA concluded that a number of payments for loan sequences 5 and 6 --  from XX/XX/XXXX, through XX/XX/XXXX -- were made under an " Ineligible Term. '' On XX/XX/XXXX, I called PHEAA and spoke with XXXX, a supervisor ( Employee ID XXXX ). I explained that I have documentation during this period that designates these payments as made under a " standard '' plan and asked why PHEAA determined they were made on an " Ineligible Term. '' XXXX told me that, because this is a consolidated loan, these payments were probably made on a " consolidated standard '' repayment plan, which is not a qualifying standard repayment plan. I asked XXXX to send all of the documents that PHEAA used to make this determination, and she said that PHEAA would do so within 24-48 hours. On XX/XX/XXXX, PHEAA sent me a message and letter, which are attached here. These documents have nothing to do with my request and do not shed any light on how PHEAA determined that these payments were made under an " Ineligible Term. '' I have not received any other information from PHEAA regarding this issue.

Please note that this is one of three complaints I am submitting today regarding my experience with PHEAA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am in the middle of repairing my credit and I noticed a second inquiry on my report. I did not initiate this inquiry. I know what my scores are and I would have known that applying anywhere would have gotten me nowhere resulting in unnecessary inquiries. The only valid inquiry is for XXXX XXXX SECURED card where I had to place a deposit in order to get approved. I have sent two letters requesting to have the inquiry removed and the company has not complied. They only mailed me one letter stating they confirmed the information from my credit report. They have failed to provide me my original signature and they did not have permissible purpose whatsoever. I am attaching copies of all the certified mail, return receipts, their one and only response, a copy of my FRAUD alert to the bureaus and a copy of a letter  sent to XXXX. I want this false inquiry removed from my reports immediately.

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 2018-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
This is compliant is about about the unscrupulous collection practices of SECURITY CREDIT SERVICES reporting collection entries on my XXXX, XXXX, and XXXX credit reports for a debt that I repeatedly contended was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), SECURITY CREDIT SERVICES is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the credit bureaus who then contacted SECURITY CREDIT SERVICES collection agency, but still have yet to receive this information. 
SECURITY CREDIT SERVICES ' failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED from my credit reports immediately. I will avail myself of remedies available under the law if this entry remains or this alleged debt is sold to another collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo deducted {$150000.00} in XX/XX/2017. 
Is from then that they don't give me my money from complaining and everything. 
They took in the last two months more than {$3000.00}

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 2018-09-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed ERRORS on ALL 3 my credit report, pursuant to 609 of the FCRA.

I attached a method of verification pursuing to 611 of the FCRA. 

CRAs didnt properly respond to disputes, closed all accounts erroneously. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX Hirschberg Acceptance ILLEGALLY submitted a hard inquiry my credit report with malicious intent. I called them On XX/XX/XXXX to request a removal and purpose on the inquiry and they stated there was no reason. They are upset because I won a court case against them in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation