vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have disputed a specific collections account listed on my credit report ( XXXX ) and Experian is continuing to allow them to update the account that is over 7 years old. This company has updated the date the account was opened 3 times and Experian is allowing this to affect my credit. I dispute and then the account becomes worse. The account was opened in XX/XX/XXXX. One of the latest reportings was that the account would drop off my credit in XX/XX/XXXX. Now, it has been updated to XX/XX/XXXX. 

This is hurting my credit in a major way and I have continued to try and resolve and have it removed ( based on age of account and inability to pay balance which was tripled to over {$7000.00} ) Please take a closer look at this concern.

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 2019-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
On or around XX/XX/2019 my husband and I initiated the process of refinancing our family home. We began the process with PRMG. All documents were immediately provided and follow up questions as to loan type were discussed. I requested written information from XXXX XXXX who, thereafter, refused to provide written information even going so far as to suggest coming to our home at XXXX XXXX to have a verbal conversation on very important financial information which I insisted upon having in writing. All documents requested were provided within 48 hours of the request. We were asked for normative documents such as our most recent 60-day pay stubs and tax returns, w-2s and our bank records. We were similarly asked for unusual documents such as a letter of intent to occupy the residence. More than once Mr. XXXX failed to do his due diligence in reviewing the status of our home and this cause unnecessary and costly delays. Our home was submitted for appraisal and an appraiser demanded our attendance less than 24 hours in advance. When told we could not accommodate this he indicated that he had not received our timely message and had gone to our residence anyways and demanded a {$70.00} trip fee which we refused to pay indicating that we had given timely notice of our inability to call off our work lives less than 24 hours in advance. We were noticed on XX/XX/XXXX that the appraisal had returned with a conditional quote and that Mr. XXXX wanted " a few days '' to determine what this meant. The appraisal had been returned to him the day prior. When asked for a copy, Mr. XXXX indicated one had been sent to us the day before, which we were neither noticed of nor did we receive any indication of how the appraisal would be received. It sat in my husband 's " junk '' email for 24 hours burning time for our rate lock. Mr. XXXX never indicated that our rate lock was expiring when we indicated to him that we would be out of town from the XX/XX/XXXX and would have the work done the following week. An email was sent to Mr. XXXX on Monday, XX/XX/XXXX indicating that we were to have the work finished on Friday XX/XX/XXXX. At no time did Mr. XXXX indicate that our rate lock was expiring, that there would be a fee for the appraiser to return or that there would be a minimum fee of {$520.00} to extend the rate lock. By the time that the photographs of our repairs were submitted to PRMG, our rate was very near to the expiration date. I indicated to PRMG that I intended to file a complaint with this agency and immediately the manager offered to extend our rate at no cost due to the failure for proper notice. Our loan has now come out of underwriting and PRMG is now requesting a second intent letter, Solar lease documents which have already been submitted and delaying the process further for what I can only assume is their ability to attempt to force us to pay their offices further superfluous fees out of sheer exasperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise Credit Service Reported a collection on my credit report for an XXXX XXXX XXXX mobility account that XXXX XXXX XXXX  has no record of. I called XXXX XXXX XXXX on the matter and they have no record of the account. I have records that show I paid my XXXX XXXX XXXX mobility bill in full every month from XX/XX/2018 when I opened the account until today. I have no knowledge of this account.

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 2019-09-26 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: CA

Complaint narrative:
These two XXXX XXXX XXXX Accounts were DELETED by XXXX on XX/XX/2019 from a recent investigation found Unverifiable by XXXX XXXX  XXXX. ( See attachment ) >>How can the same creditor be contradictory and state theses accounts are VERIFIED with TransUnion? Arent you getting the same information from the same data furnisher >>Account # XXXX Pay Status of >ChargeOff< but also reporting ontime payed as agreed. Please DELETE this account for erroneous reporting. ( See attachment ) >>Account # XXXXAn Original Charge-Off Balance {$720.00} higher than the Balance {$710.00}, never late but charged off and reporting a > ( {$5.00} ) <payment received >XX/XX/2019< on a Closed account Please DELETE this account for erroneous inaccurate reporting. ( See attachment )

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 2019-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
It was a private business matter collecting a debt from a XXXX account I do not have

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have tried to transfer my American Express Membership Rewards to airlines for several times, but the system keeps showing an error message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' This is the THIRD time through this year AMEX freezing my Membership Rewards account without any reason and the customer support from AMEX did not help at all. This is really frustrating that I can't redeem my reward points when I really need to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I am a XXXX years old XXXX man, someone of got into my credit and charge my credit cards up very high, so, .I call One Main Financial and got a loan. I did not know that interested rate would be so high that, I can pay the loan off. The loan amount was {$13000.00} dollars and I have made Six payment it all going interested and still at {$13000.00}. My name is not signed on the application. One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX. Can someone help me? XXXX XXXX XXXX XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: SC

Complaint narrative:
XX/XX/2019 RE : VIOLATION OF 609 FAIR DEBT REPORTING ACT To Whom It May Concern : I am filing a formal complaint against Experian credit services for continuing to report inaccurate information found on my credit report that I want PERMENTLY DELETED per violations according to section 609 of the Fair Debt Reporting Act. [ Section 609 ( a ) ( 1 ) of the Federal Credit Reporting Act ( FCRA ) states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. ] I have challenged their reporting and compliance on several of my accounts with XXXX  XXXX XXXX, XXXX XXXX, XXXX/XXXX, and XXXX/XXXX XXXX that are continually being reported on my credit report with INACCURATE/MISSING information ( INCORRECT ACCOUNT NUMBERS ). Also, I have requested and sent proof of my legal name and current and only mailing address, yet they continue to report various variations of my name and mailing address on my credit report, which ARE NOT ACCURATE!. 

I have sent multiple letters to them. The first ( 1st ) through regular mail on XX/XX/2019. The second letter on XX/XX/2019 via certified mail signed for on XX/XX/2019, and third ( 3rd ) letter sent XX/XX/2019 via certified mail which was signed for on XX/XX/2019. I received a response back on XX/XX/2019 telling me that they would not dispute accounts again unless I have additional relevant information. 

As you can see, the files I have attached clearly show that they are continuing to report variations of my LEGAL NAME, which I DO NOT USE ON ANY OF MY ACCOUNTS. Furthermore, they are reporting INACCURATE MAILING ADDRESSES, which I currently do not live at or receive mail at those addresses per POSTAL REGULATIONS. In addition, you can clearly see that the account numbers being reported and sent to me on my latest report DO NOT HAVE THE CORRECT INFORMATION ( ACCOUNT NUMBERS ), so by law, THEY MUST DELETE THE ACCOUNTS WITH INACCURATE INFORMATION per Section 609 9a ) 1 of the FCRA upon my request.

Their IMPROPER PROCEDURES have been highly damaging to my credit score and credit history. I want the erroneous information IMMEDIATELY DELETED from my credit history.

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 2019-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did not receive a statement ( mail or email ) from Citibank regarding an annual fee that was due on XX/XX/2019 for my Best Buy credit card and incurred a 30 day late fee penalty for payment which lowered my credit score drastically. I paid off both the late fee and annual fee for {$120.00} and called the credit card company to dispute the charges and damages done to my credit score. They advised that for some reason, the statement was mailed off and sent back to their office. The late fee was waived, however after several weeks, my credit score is still damaged.

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 2019-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SLM CORPORATION
State: OH

Complaint narrative:
It is now over 6 days since CD matured. Called bank XX/XX/19 & was told that they understood money was to be sent to my credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: TX

Complaint narrative:
my loan was refinanced XX/XX/XXXX. my bank payments were continued to be cashed by acs and aes since XX/XX/XXXX until now XX/XX/XXXX. the money did not go towards the loans. its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have asked my mortgage company to cancel my HO Flood and Insurance for 18 months. I have written letters, emailed and nothing. I complained via the CFPB. 
They responded ( incorrectly to part of my complaint ) and ignored the remainder. 
Then closed it erroneously. 

My previous Mortgage company had forced me to have HO Flood and HO Insurance on threat of Lender placed insurance. FAY have basically totally ignored my requests to sort out the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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 HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-09-27 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: SC

Complaint narrative:
Please remove the fraudulent addresses from my credit report. They are reporting inaccurately on my credit report. 

XXXX XXXX XXXX XXXX SC XXXX And XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB ( COMPLAINTS : XXXX-XXXX, FILED XX/XX/XXXX-THURSDAY, AND XXXX-XXXX, FILED XX/XX/XXXX-MONDAY ) I AM PROVIDING THE REQUESTED XXXX XXXX  STATEMENT VERIFYING THE XXXX CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XX/XX/XXXX-XX/XX/XXXX confirm the account was not frozen. More important, XXXX XXXX   does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY XXXX   ACCOUNTS ( XXXX XXXX ACCOUNT CLOSED XX/XX/XXXX-thursday, XXXX checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO XXXX XXXX AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON. IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX  HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY. IN ADDITION, XXXX XXXX XXXX, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from Ms. XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting XXXX XXXX STATEMENTS DOCUMENTING THE XXXX XXXX   CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ). I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
Once again, I claim extortion against bull city collections and XXXX XXXX  these companies know I have paid my old XXXX XXXX bill off. The bill was in the address XXXX XXXX XXXX, XXXX, Ohio XXXX. The balance of the bill was {$170.00}. Anybody that has XXXX XXXX in their name know you can not obtain new service in your current new address if you have an outstanding bill with XXXX. Bull city collections is mad because XXXX receive payment without their services ... 
Monies that were paid to XXXX well as XXXX not professionally contacting bull city collections. Either way none of its my concern. My business was with XXXX XXXX and I paid XXXX what I owed in order to get new service at the address I am contacting your agency from which is XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, Ohio. XXXX. 

XXXX  is no better they refuse to accept black & white as well. XXXX  be wrong with these companies setting out to ruin people lives when in fact we as consumers works too XXXX hard to get back on your feet credit worthy wise SERIOUSLY ; Please review the documents in the attached complaint. there was a payment made XXXX. XXXX XXXX  credit billing offices can verify that payment had to be made in order for me to get service. XXXX billing offices sent current payment info to 2 credit bureaus XXXX and XXXX. Both XXXX and XXXX listed XXXX XXXX  debit in the amount of {$170.00} ( Status PAID! ) Apparently, XXXX did not contact XXXX  or Bull City Collections and if XXXX did indeed contact XXXX  then its XXXX  refusing as I mentioned above refuses to post current XXXX payment info on my credit report as paid. 
XXXX and XXXX it shows on my credit report which is in black-and-white that this payment of XXXX was made bull city continues to try to extort money from me this needs to stop human air is divine when you have several people working on accounts things get twisted up and confused. I am so sick of this please get these monsters off my back! I paid the bill with XXXX XXXX make them remove that from my credit report I will keep fighting and not let these people know I may because Im working too hard to do better I will not tolerate please remove there are documents attached shows proof the payment was made. Creditors and collection agencies refuse to respect documents current documents this can not be allowed please contact these people with the necessary evidence tired of trying to talk to them as if I am blue in the face seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: CT

Complaint narrative:
I requested Equifax multiple times in the past three days to delete a consumer statement. They confirm again and again that it is deleted, but it keeps showing up when a lender pulls up credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
I contacted XXXX XXXX about issues with transactions not showing up on my account on XX/XX/19. There are two transactions in the amount of XXXX that I made and they dont show on the account but are included in my balance. 

I also have not received the rewards pay out for these transactions. Rewards are to be paid out daily per the terms and conditions. 

They said they should appear the next day when I spoke to them on XX/XX/19. I contacted them again on XX/XX/19 and was told it was escalated but they couldnt give me any time frame as to when it would be fixed.

Company response to consumer: Closed with explanation