vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-11 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: FL

Complaint narrative:
Direct Dispute In partnership with Past Dispute XX/XX/XXXX Completed XXXX   XXXX Reported on XX/XX/XXXX {$8700.00} 175 % of Credit Limit* Item Results Result : Deleted - XXXX  has deleted the account or record from your XXXX credit report. 
Dispute Reason Accuracy : This account is involved in litigation. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please refer to XXXX   file # 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 2019-08-11 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: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
We sold this residence on XX/XX/2019. 

My credit report still reflects and open loan balance of {$120000.00}, and 2 late payments which were brought current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
XXXX XXXX, loan # XXXX. Fay Servicing the loan company. I be trying to fixing the problem. But is lake had to be there way. From day one they get me problems. That first is for home insurance, I got insurance and then pay for a second one {$1600.00}. Asking for proof of insurance and then need to change the loan # on the insurance. I had to find the problem on that one. Then They race my loan well not note. For {$810.00} to XXXX. Because property taxes race. Know they collected money for insurance and taxes plus the loan. But is not necessary to races the payment. Now they collected over {$1500.00} and the taxes are XXXX more. I pay on to XXXX and then say I old XXXX and XXXX. I tray but is lake is there way. Is late reported to my credit and more and I made payment on time. And my account manager taking all the time to fix this and I tray to fix that and XXXX XXXX the account manager doesnt know working with number. Number are perfect, people fear. My cell number is+XXXX and email XXXX. I appreciate your help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: OH

Complaint narrative:
Not being able to be approved for a short term loan from a reputable company I turned to online loans thinking that it would be a better choice that a typical cash advance store. Running through the steps in this whirlwind trying to get rent paid ( even though I solidly work 40+ hours a week at XXXX , have a humble apartment and do not live outside my means ) I stumbled across the world of online consumer loans. Cash now-worry about the details later. They explained the long term agreement over the course of a year, foolishly thinking I will have paid it off by then. I borrowed {$400.00} from Inbox Loan. I have made 5 payments already since XXXX of {$120.00} every 2 weeks on my payday. The long term agreement is literally {$120.00} every two weeks for a year. That is well over {$2000.00} for a {$400.00} loan. Im crying because I cant believe how this system works how businesses are allowed to operate like that. I cant even access my original loan agreement by the way because the link expired. I dont understand as a working adult with the only thing negatively affecting her credit score or unpaid unmanageable student loans can not be given the opportunity to consolidate debt with any reasonable accredited business. I am only a number, only a credit history, only a piece of paper though I am not defined as a incredibly hard working mom who IS dependable-that wants to earnestly rebuild my credit, my life, and be responsible. I need help yet no one has my best interest in mind. I dont think writing this will be a call for finally someone to believe and recognize the potential in me and help me fix things, nor to I think this little letter will change a broken system. But I want to be heard, I deserve to be heard, and I will work to be heard. To give a voice to the hardworking Americans who have more potential in them than they could ever even realize. We are what makes everything move, the engine that powers nations the world. And we deserve to be given a chance to change our lives thus changing the world. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: GA

Complaint narrative:
We sold this residence on XX/XX/2019. 

My credit report still reflects and open loan balance of {$120000.00}, and 2 late payments which were brought current.

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 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
Alliance Collections Agencies Inc. is improperly and illegally reporting a medical collections debt that has been paid completely to XXXX XXXX XXXX XXXX. 

Alliance is violating HIPPA laws and the FCRA by falsely reporting a fully paid debt. 

Additionally, when Alliance contacted me via mail, I asked for them to turn the debt back to XXXX XXXX XXXX XXXX. They refused to acknowledge my letter and did not reply or listen to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My entire wallet was lost while out with some friends with some very important information in it that allowed scammer and hackers to access personal information belonging to me. I attempted to go to the bank take my money out and report my card lost and stolen to only find out my account is in a no check status and i could not withdraw any money as well as do anything to my account. Days later i received checkbooks and other items saying that i opened up 6 new accounts via online which I had no clue at all about. Also in the mail i received fraudulent checks that were deposited into my account. The checks nor the 6 new accounts opened in XXXX did not belong to me and I will not take responsibility for these actions. The signature on these checks were not my signature. The suspect forged my signature on these checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
There was a credit line increase request submitted in error on my Barclays credit card. I called Barclays bank to have it canceled and the hard inquiries removed from the 3 credit bureaus. After talking with 2 agents to try and have this request canceled, I spoke to a manager XXXX ( XXXX ) who said to submit a complaint as they can not complete this request ; he said once the hard inquiry is pulled, they can not undo it.

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 2019-08-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm having a problem removing fraudulent information from my credit profile, that is recorded with experian, XXXX, and XXXX. I was XXXX in XXXX for seven years and some used my information please have it all removed. XXXX XXXX XXXX XXXX XXXX, acct # XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX , acct # XXXX, address : XXXX XXXX XXXX XXXX, XXXX , VA XXXX. And there are about 5 inquiries on my report that arr fruadulent. Proof of my release and copy of ID with correct a dress is attached to this document.

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 2019-08-12 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I rented an apartment at XXXX XXXX XXXX XXXX & when I moved out I was told I was good to go & owed nothing more on my lease. A year later I check my credit to try & lease again but I cant because I have {$2400.00} on my credit report with a company named Rent Recovery. Unfortunately I do not have a copy of my lease but I do have electricity bills showing the months I was in the apartment & paid my bills. I have tried to contact XXXX XXXX XXXX XXXX & Rent Recovery to find out whats going on & havent heard back from anyone. Ive also disputed the account several times with an answer back within days stating the account is legitimate. I want to know where they are getting the right to say I owe rent when I know I do not. I have not been able to lease an apartment & refuse to pays this as I know 100 % is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am well aware of Bank of America Missorui has listed suspected fraud activity on my XXXX  file, dated XX/XX/XXXX. Which I agree with because I did in fact open the Bank of America Missouri account but the thing I do not agree with is the suspect fraud activity that have been placed on my XXXX account because the suspicious activity was not done by me, therefore I should not be punished for the activity. I did not contact the police which you guys stated in the letter stating that you guys need a police report dated XX/XX/XXXX but I did contacted the bank itself instantly after I realized some changes were made to my Bank of America account. I opened up a claim to dispute the fraud activity on my account which I thought was resolved but years later I found out about XXXX  and found a huge error on my report which is holding me back from getting loans, credit cards, homes and cars.

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 2019-08-12 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: SC

Complaint narrative:
The credit card company XXXX XXXX XXXX has sold my account to a collection company.The company had fraudulent charges on my report they was deleted from my report but the original company is still on my report and has reported inaccurate information and dropped my score 47 points the credit bureaus will not help in get the inaccurate information off my report all because there is a XXXX balance showing

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 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter from Midland credit management company XX/XX/2019 with a threat to forward my debt to a lawyer. If I did not pay XXXX I repeatedly get phone calls from this company. I have never opened an account with this company. I have never signed a contract or opened credit with them. I am currently working on a credit valatiion letter and a cease to contact. They continually call. I want them off my credit reports as well. Companies should not have so much power to try and scare you into paying them. Everyone has problems in their life. Making threats to sue or jail seizing property is ridiculousle Than you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I got this account caught up about 2 months ago and have been making payments ever month but it shows on my credit that I havent make a payment in months. Santander USA is the company and it says my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I XXXX XXXX, have had account for over three years with CITIGROUP. I started this account as a secured credit card, and graduated to a regular to a credit card. I took very serious due to the fact that I was rebuilding my credit.This card is my oldest open account on my credit profile. I received a letter on Monday XX/XX/2019 stating that the account was due to a returned payment from an account that I also have with CITIBANK. There was some unexpected transaction that was posted on the bank account that caused the payment to be returned. I was willing and able to cover the transaction and any fee/fees that may be associate with the transaction. I fine it very unfair to consumers that after years of building or rebuilding credit, that the account could closed for such minor infraction, especially given that it reflex negatively on consumers credit report to have closed accounts.

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 2019-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NV

Complaint narrative:
My account was closed due to charge backs I don't know what that is I never had issues tell this popped up today. I just want my account reactivated or be able to get the money off of it. This is cash app btw

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Bank admitted to reversing my direct payment to three of my creditor for three months causing my payments to be recorded as three months past due. Because of their error my credit score has gone down drastically and they closed my account causing my direct deposit from my pension to be late which Inturn cause a snowball effect that impossible for me to recover since Im on fixed income. They are now asking me for money for the error and windfall they created by claiming unauthorized claim to reverse my monthly contract payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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'm having a problem removing fraudulent information from my credit profile, that is recorded with XXXX, XXXX, and transition. I was XXXX in ferderal for seven years and some used my information please have it all removed. XXXX XXXX XXXX XXXX XXXX, acct # XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX , acct # XXXX, address : XXXX XXXX  XXXX XXXX, XXXX , VA XXXX. And there are about 5 inquiries on my report that arr fruadulent. Proof of my release and copy of ID with correct a dress is attached to this document.

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 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX company XX/XX/2019 with a threat to forward my debt to a lawyer. If I did not pay XXXX I repeatedly get phone calls from this company. I have never opened an account with this company. I have never signed a contract or opened credit with them. I am currently working on a credit valatiion letter and a cease to contact. They continually call. I want them off my credit reports as well. Companies should not have so much power to try and scare you into paying them. Everyone has problems in their life. Making threats to sue or jail seizing property is ridiculousle Than you for your help

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 2019-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I was granted a discharge from the debt owed to the US DOE. The DOS was informed by the collection company to NOT take any further payments from my bank account from XX/XX/XXXX-XX/XX/XXXX. The Department ignored the demand and withdrew payments totaling, {$870.00} ( {$170.00} per month during the period ). I have attempted to reach out to the DOE regarding my refund and I keep getting the response from agents that a refund will be issued in " 45 days ''. The 45 days started XX/XX/XXXX. I have yet to receive the refund and the DOE keeps tagging an additional 45 days each time I call, assuring me I am not going to get my money back that was illegally taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a loan with SYNCB/PAYPAL CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNCB/PAYPAL CREDIT with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-08-12 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have a loan with SANTANDER. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a loan with COMENITYCAPITAL/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and COMENITYCAPITAL/XXXX with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a loan with TD BANK USA/TARGET C. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXXn, XXXX, XXXX and TD BANK USA/TARGET C with no successful resolution. XXXX, XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation