vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX sent a loan offer via live check through the mail for a {$69000.00} loan around XX/XX/2016. According to my bank account records, that loan was accepted and check deposited on XXXX. The terms were most likely for 12 months at a ridiculous APR based on the rule of XXXX installment loan repayment model. My bank documents and check register show I paid {$100.00} on XXXX, {$100.00} on XXXX, and to pay off the loan in full early paid {$590.00} on XXXX. Instead of applying the last payment to pay account in full, XXXX XXXX used that payment to apply monthly payments for several months fo which I received no statements of any kind. And after the funds I paid were used to their benefit, they began to call and even come by my home requesting payment. I went to the business and spoke with the supervisor at the time and even called the headquarters in my area to dispute their request for more payments. I had to threaten to take the issue to a higher financial or business authority. After all was said and done, I DID NOT PAY ADDITIONAL FUNDS AND MY ACCOUNT WAS MARKED PAID IN FULL. I just found out recently that XXXX XXXX reported my account as a delinquency of 60 plus days to TansUnion. I disputed the information with TransUnion and their " investigation '' claimed the information was accurate. I vehemently deny any reportable delinquency for this aged account and would like it removed from my credit report.

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 2021-07-12 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: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Help, Help, Help. 
Arvest Central Mortgage Co. promised me that the attached letter would be sent to all the Credit Bureau Companies. The following is a new complaint about XXXX Credit Bureau Company : The XXXX Credit Bureau Company insists on ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today on XX/XX/2021, that the XXXX Credit Bureau Company on XX/XX/2021 had lowered my score. The reason is that I have too many delinquent or derogatory accounts. I do not have any derogatory accounts ; I repeat, I do not have any delinquent accounts. No other Credit Bureau Company has lowered my score. In fact, they received a letter from the Mortgage Company " ARVEST, '' and they immediately updated their systems, and my accounts with them do not show any delinquency or Derogatory. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. XXXX Company must stop building its decisions on false information. The company has to change back my score and report to where they used to be. 

Now, Arvest must ensure that the XXXX Credit Bureau Company received the letter and updated their system concerning my information, score, and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a customer and client of SunTrust bank for a very long time. The bank has been very professional and communicative having competent staff and brilliant workers. I have been very satisfied with the services of your bank until now. I am very disappointed with the recent discrepancy of your team regarding a matter of the unauthorized transaction. 
On XX/XX/2021, at XXXX Someone impersonated myself drafting {$1000.00} from my account. It seems very odd that this transaction was preformed just a couple days after receiving the stimulus check from the government, not only that, I also did not receive any paper statement on the month of XXXX or XXXX, but previously I have been receiving the paper statement without any issues. When checked with the teller. she explained that somehow, I was switched to receive electronic statements, which I had never done either, since I need the statement provided for my HUD low-income renting apartment manager. So, after not receiving the paper statement on these months, my son and daughter in law helped me to signed up to online banking and I found out about the {$1000.00} withdrawn on XX/XX/2021. Them, I immediately disputed the charges on XX/XX/2021, the banker that assisted me to open a new account and to do the claim for the unauthorized charges. 
On XX/XX/XXXX I received a letter from the fraud assistant center stating that after careful consideration they were unable to honor the claim, talking about the rules and regulations of 30 days which are totally wrong. The rules and regulations are 60 days as its stated on the own SunTrust Bank page 22. The letter is also saying that the bank should be not liable for any unauthorized items of your statement unless you are giving notice within 30 days after receiving the statement, but the XXXX statement was never received otherwise I will be reporting this earlier. Fortunately, I was able to catch it online and reported before the required 60 days, for that I am entitled to receive my stolen money back. 
I returned to the bank Yesterday trying to solve this issue. I was received by a banker she was very professional but said that there was nothing that the bank could do to solve this matter. 
I really appreciate any help you could offered. thanks

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 2021-07-12 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: IL

Complaint narrative:
Account # XXXX - XXXX XXXX/XXXX - On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. The charge off for XXXX XXXX has not been updated. I contacted Experian on XX/XX/XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, XXXX Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

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 2021-07-12 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: OH

Complaint narrative:
I lost my wallet and now after reviewing my credit report I see someone has been trying to buy things using my personal information. I have not given any of the companies that are on here to review my credit for anything.

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 2021-07-12 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: OR

Complaint narrative:
Hello, I have disputed a bankruptcy showing up on my report in 2013. Since I have opened many accounts with a 100 % on time payments. I have taken advice from credit report companies and score goes down a lot. My score stays between 550 -650 approximately. Over the last eight years I have paid and continue to pay tens of thousands in interest. My report doesn't even come close to accurately describe my responsibility to make payments on time. I have been told bankruptcy should be removed after seven years and one of the reporting agencies ( XXXX ) removed it and my score went way down. XXXX, Experian do not remove even when I dispute it and request they remove. I am a lower income senior who needs help. 

Thank you for your time, XXXX XXXX XXXX

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 2021-07-12 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: IL

Complaint narrative:
Account # XXXX - XXXX On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for XXXX has not been updated. I contacted Experian on XX/XX/XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

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 2021-07-12 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: GA

Complaint narrative:
I am making this complaint because despite my efforts for a resolution I have failed to receive a LAWFUL remedy for fraudulent reporting of adverse accounts on my report. On XX/XX/21 I sent letters out to the credit reporting agencies XXXX, XXXX, Transunion requesting deletions of these account but after 60 days only one account was remedied. 
They following account needs to be DELETED from my consumer report : Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Account Status and Last payment XXXX Account Number : XXXX I XXXX XXXX as the only " natural person '' and also " original creditor '' did NOT give instruction for these agencies to furnish this adverse account on my report, I do not validate this alleged debt. According to Congress law under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G )

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 2021-07-12 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: GA

Complaint narrative:
I am making this complaint because despite my efforts for a resolution I have failed to receive a LAWFUL remedy for fraudulent reporting of adverse accounts on my report. On XX/XX/21 I sent letters out to the credit reporting agencies XXXX, Equifax, XXXX  requesting deletions of these account but after 60 days only one account was remedied. 
They following account needs to be DELETED from my consumer report : Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Account Status and Last payment XXXX Account Number : XXXX I XXXX XXXX as the only " natural person '' and also " original creditor '' did NOT give instruction for these agencies to furnish this adverse account on my report, I do not validate this alleged debt. According to Congress law under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be 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 explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AC AutoPay LLC, Denver, CO Branch
State: MI

Complaint narrative:
I found the auto refinance company on XXXX XXXX. I filled out all the paperwork and sent it to them on XX/XX/XXXX. I was assigned to XXXX XXXX. He did not review my loan amount, the cost of the gap insurance and extended warranty. He did not tell me what the interest rate was or that there is a {$500.00} loan origination fee. XXXX did not return my calls, and when I told him I was available he did not make an effort to call me at that time even though I explained the reason why I was not available at other times. He started texting me but even then he didn't respond to my texts. At one point I told him I wanted to cancel the loan. He said it was going to be funded soon and he didn't want to lose the deal. He guilted me into going forward despite my concern that the whole procedure was unethical. I did not get any information about the total of the loan, itemized costs of the Gap insurance or extended warranty ( that I told him I didn't need because I have one ) the loan origination fee, and the interest rate until I was given the name of the Credit Union that the loan is through. I sent an email and received the information two days later. I can get copies of the text messages, and they recorded all our phone calls on their end. This company is unethical.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: OH

Complaint narrative:
I received a bill from Discover indicating I owed payment after I refinanced loans in full with a different company. I paid off loans that I co signed via a refinance through XXXX. XXXX issued Discover Student Loans one check in the amount of {$60000.00}. The refinance specified my account number consistent with this amount. Discover claims they only received a portion of the payment ( $ XXXX ) and paid off only one of the loans under my account. The rest of $ XXXX can not be located according to Discover. They claim they only received $ XXXX although the XXXX issued one check to Discover in the amount indicated above. XXXX verified the disbursement with Discover on the phone line and verified the account the check was to be applied to. Discover claims they do not have record of receiving the check for {$60000.00} although the applied $ XXXX to one of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: IL

Complaint narrative:
Account # XXXX - XXXX XXXX XXXX On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Experian on XX/XX/2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX XXXX reflecting that the amount was taken from my checking account. I spoke with a representative on XX/XX/2021 from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

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 2021-07-12 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 received a letter stating that my chase bank account and credit is closed. I went to bank to inquire about why my account was closed, and they did not give me a reason why they closed my account. The bank also stated on the XXXX of XX/XX/2021, my checking account will also be closed. I asked what was the reason for closing my account and bank did not give me a reason. This is discrimination against me as XXXX American man.

Company response to consumer: Closed with explanation