vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: IN

Complaint narrative:
My ex an I bought a water system in XXXX from a company that went door to door in our neighborhood when we had our house built, which we didnt realize until later that there was no solicitation allowed. The company never even explained to us that it was at such a high interest rate. Just a couple years later in XXXX the XXXX XXXX water system broke down on us to only find out the company was no longer in service and we tried everything to track them down. We eventually went to castle credit to explain but they had no intention of helping us. After we realized how much we had already paid to castle credit and how much was owed due to interest we stopped paying them since they didnt care that the product they loaned broke down on us. The company castle credit is based in XXXX IL and have been harassing us ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: WA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-06 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: WA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Twice in the 6 months ( XXXX and XXXX ) Bank of America has taken too long to process a mailed payment for credit card. The payment was for the balance in full and mailed 5 business days in advance as recommmended. In both cases, I attempted to pay online and over the phone after B of A claimed the payment was late. After receiving my payment, Bank of America then processed my manual check IN ADDITION to the electronic payment. Also, as a reference point, I mailed another credit card payment to a different company on the same dates with similar due dates and these payments were processed in under 5 business days. 

I believe that Bank of America and delaying processing of mailed payments to collect late fees AND to drive customers to electronic payments. I will pay off this card and cancel it but I feel that they should not be able to get away with this behavior.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2021-01-06 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
As of XX/XX/2021, I have requested SPS Financial to debit my XXXX XXXX Account ( XXXX ) for an Escrow ( Taxes and Insurance ) payment of {$900.00}. I am behind on my Escrow payment and am making good on my debt - I want SPS Financial to accept my payments so that they can not somehow sell of my home in the future in a tax sale. Further, I have setup a complete payment of {$2100.00} for XX/XX/2021 so that there will be no partial payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNT LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULEN ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-06 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX I made an order for XXXX from XXXX  XXXX, Order never arrived so I processed to file a claim with XXXX  XXXX, company never got back to me so I did the next reasonable step and filed a dispute with the Discover. Discover says because XXXX XXXX has showed " proof '' that the item was delivered means that I have the item in my hands. That's ridiculous, I even told Discover that I filed a police report for the items I never got because I believe they must of gotten stolen but yet they still think I have them because XXXX XXXX shows that it was delivered, no signature, nothing. The tracking only says that " it was left out front '' how can the delivery company leave XXXX $ worth of items sitting out front. I live in a very bad part of town so the fact that they would do that just baffles me. 

Disputes number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06 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: AL

Complaint narrative:
Hello, Im reaching out in regards to a XXXX XXXX XXXX ( XXXX  XXXX  ) account on my credit report. Ive been disputing this account since XX/XX/2020. I mailed Experian asking for verifiable proof of the unverified account and I also reached out to XXXX XXXX too about the same thing. Every time I dispute this account Experian came back verified and I never received any documents from XXXX XXXX. I wrote Experian asking how was it verified when no one has provided me proof that account was mine and yet received no response. I sent a no response letter in XXXX and I still havent received a response. I had attached documentations to that letter and sent it certified mail but unfortunately majority of my letters are missing due to the fact that my residence was vandalized. I have found a dispute letter that I sent and other documents. Overall, Im trying to understand how can someone keep reporting information on my account and havent provided me verifiable proof that this account is mine upon request. I have that right to ask. Not only that, I have a collection company writing me about this account but XXXX XXXX  is reporting a balance on this account and did not mention on the credit report that this account has been sold to XXXX XXXX  XXXX. I know this has the be some kind of violation. They have denied my rights to ask for verifiable proof and still reporting inaccurate information. As you can you attached to this letter is them reply to all 3 credit bureaus but neither one of the information is the same. If they come the same same creditor, why are theyre reporting differently?

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 2021-01-06 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: WA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been sending multiple written requests however, the incorrect items listed below still remain on my Credit Report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX/XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: MI

Complaint narrative:
For opening account promotion, I was advertised to receive {$700.00} for depositing {$50000.00} and maintaining for 60 days. 
-On XXXX, I deposited {$50000.00}. 
-On XXXX 60 days have passed. 
-On XXXX I chatted with Citi representative over the secure chat to check the status of the terms. And the representative said : Thanks for waiting, Upon checking your account, I found that you had deposited the funds within 30days of opening the account and maintained it for 60days as well. 

Please be informed that it takes another 90days for the bonus cash to be posted to the account so it is a total of 150 days from the date of the funds deposition. 

On XXXX I still have not received the advertised signup bonus.

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 2021-01-06 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-06 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Westlake settled my auto debt for {$2500.00}. The settlement has been 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 2021-01-06 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
An account that I am not aware of keeps showing on my credit report. Synchrony Bank XXXX XXXX. It says a balance of {$6500.00}, and opened on XX/XX/XXXX, and I have never opened a XXXX card on this date. Synchrony claims that I used their account to obtain goods, and won't give me any proof of me buying goods with stolen funds. I have never opened a XXXX Visa account with Synchrony Bank. I gave them a police report, FTC Identity Theft report, and filled out their affidavit, and they still harass me by sending junk mail to my home every other day. 

I have had a car lease in XXXX with XXXX XXXX in Texas, but I never had an XXXX credit card. Synchrony is reporting this along with XXXX  Credit Bureau, and I want this fixed asap as it is causing damage to to personal credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
I was co-signer on a lease for a XXXX XXXX through American Honda Finance that ended in XX/XX/XXXX. 

The car was turned in on time and a new lease was entered into for a XXXX XXXX also through American Honda Finance at the same time on which I also co-signed. 

The mileage on the XXXX was in excess of the allowed mileage but because of the new lease the dealer said XXXX the charge would be forgiven, and there were other credits/allowances as well. 

American Honda Finance sent a statement for final charges that was due XX/XX/XXXX. That statement was incorrect as it did not reflect the mileage forgiveness or credits/allowances. 

I received a corrected statement on XX/XX/XXXX and called and paid the amount due that day. 

The statement had been mailed to my previous address even though I had done all the paper work for the new lease in XXXX using my correct current address, so the statement which was dated XX/XX/XXXX did not arrive in my mail until XX/XX/XXXX. 

American Honda Finance tells me they updated there system for the correct amount on XX/XX/XXXX, 4 days after the due date, and mailed that statement dated XX/XX/XXXX, 10 days after they updated the balance for the correct amount, but that I was still somehow responsible for paying it by the original due date of XX/XX/XXXX and because I did not pay until the corrected amount was sent to me on XX/XX/XXXX they reported me as past due and will not correct that reporting. 

That has resulted in a drop of approximately 60 points in my credit score and will impact interest rate on a home financing I am undertaking right now. 

I dont know how I can be accountable for paying a Bill by a date that the company acknowledged to me they did not have correct in their system until after the due date, an issue further exacerbated by the fact that they did not update the mailing address with the information I provided to them with the new lease application. 

The timing of payment being after the original due date of XX/XX/XXXX was all due to their delays in updating the final bill ( XX/XX/XXXX ) and getting it to me ( mailed XXXX to old address that Id updated on application in XXXX ).

Company response to consumer: Closed with non-monetary relief