vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'll keep this short and sweet. 4 times I've tried to dispute my XXXX account due to the terms listed on the loan being incorrect and asked for deletion of my account as a result of this error. The terms listed on the credit report for this account was 74 months and I sent in the signed contract which staed " 72 '' months. I've done this MULTIPLE times and here were the results. 

Dispute completed XX/XX/20 updated from 77 months to 74 months XX/XX/20 remained on report XX/XX/20 updated from 77 months to 74 months Keep in mind I'm sending evidence everytime. Hopefully now a human can look at this error and delete this account. 

All dispute results and contracts are included.

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a collections item ( # XXXX ) without naming the collection company which allegedly is trying to collect the debt. Clearly this is 100 % inaccurate as how can I possibly dispute this item with the collection company if I don't know who it is. 

I have written to Equifax two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act. Their continued listing these items on my credit report is a collection attempt which is barred under the the FTC Cass opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I started calling the card service, Citi Bank Visa, in XX/XX/2020 knowing that my promotional balance was due and carried over XXXX in interest. I over paid the monthly amount due almost every month. 
The online payment service stated that I couldnt pay towards my promotional balance. Then on XX/XX/XXXX the inevitable happened. They charged me the interest on a promotional balance they never let me pay on. I believe, although it was never disclosed, that the only way to pay the promotional balance off was to pay the entire card balance.

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 2020-04-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Whomever that was over my case purposely deleted everything that was good on my credit report and left everything derogatory at the worst time when I'm trying to purchase a home after having a XXXX  XX/XX/2020. 

I asked that a Bankruptcy of 9 1/2 Years Ago & a 18 Year Old Child Support be validated and removed. I spoke with the The Local Bankruptcy Court & The Friend of the Court. They Stated that they do not report to the Credit Repair Agencies and  they both recommend that I dispute the errors. I asked That Experian explained how did they Verify these. 

I also have a Derogatory from XXXX XXXX who's debt I've settled with the courts. I called & explained my situation They asked me to dispute the matter which I did and it also still remains. 

I also asked they validate several old lates that I had in question with my XXXX Balance Credit card Companies of 8 & 5 Years and both of those where Deleted resulting in a 45 Point Drop. The Same was asked of with several lates on my Vehicles with XXXX XXXX XXXX. 

This credit nightmare was just made worse by someone who completely dropped the ball at Experian. I am completely outraged over this lack of efficiency. If we can't count on the reporting agencies to fix errors then who???

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 2020-04-26 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: NC

Complaint narrative:
I disputed an item that was removed from my XXXX Credit Report. Experian said they investigated it but it still remains.

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 2020-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is allowing XXXX XXXX XXXX XXXX to fraudulently report 1 collection account as 3 accounts. I have 1 collection account with XXXX for the amount of {$990.00}. XXXX XXXX XXXX XXXX is reporting that 1 account as 3 separate accounts. I made a dispute with TransUnion and provided documentation showing that I only had one account. TransUnion did nothing at all but update the information as accurate. TransUnion is allowing fraudulent reporting to continue. 

The 3 collections listed by XXXX XXXX XXXX XXXX have the same account number, same original creditor, and same date for placed in the collection. This is all because it's one account with 3 charges

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 2020-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I have written to Focus Financial ( on two occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt. 

The collection company should produce a document with my signature which shows that I have assumed a financial responsibiltiy. If they can not, the must remove the reporting in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Whomever that was over my case purposely deleted everything that was good on my credit report and left everything derogatory at the worst time when I'm trying to purchase a home after having a fire XX/XX/2020. 

I asked that a Bankruptcy of XXXX 1/2 Years Ago & a XXXX Year Old Child Support be validated and removed. I spoke with the The Local Bankruptcy Court & The Friend of the Court. They Stated that they do not report to the Credit Repair Agencies and they both recommend that I dispute the errors. I asked That XXXX explained how did they Verify these. 

I also have a Derogatory from XXXX XXXX who's debt I've settled with the courts. I called & explained my situation They asked me to dispute the matter which I did and it also still remains. 

I also asked they validate several old lates that I had in question with my XXXX Balance Credit card Companies of 8 & 5 Years and both of those where Deleted resulting in a 45 Point Drop. The Same was asked of with several lates on my Vehicles with XXXX XXXX XXXX. 

This credit nightmare was just made worse by someone who completely dropped the ball at XXXX. I am completely outraged over this lack of efficiency. If we can't count on the reporting agencies to fix errors then who???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Several investigations with Equifax were submitted for two 2 separate issues. 

1. Account with XXXX XXXX XXXX mortgage account XXXX is still reporting an incorrect late reporting in XX/XX/XXXX. This account was never late and should reflect to say that. Equifax failed investigation closed XX/XX/XXXX and it shows a code XXXX late in XX/XX/XXXX. XXXX XXXX XXXX shows no late reporting in their system. 

2. Account with XXXX XXXX  ending in XXXX is reporting incorrectly as a charge off with balance. This account was settled and paid and closed as of XX/XX/XXXX as agreed upon settlement letter that was executed. This account should reflect closed and paid for less with XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX  XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against two XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX  XXXX, and XXXX XXXX XXXX., d/b/a XXXX XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0. 

To learn more, read Buying & Owning A Car. 
The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
With the current situation of the COVID-19, I attempted to gather the free weekly credit report from Equifax via XXXX XXXX XXXX Despite entering my information, I encountered an error where it said that online delivery of the credit report is unavailable. I encountered this same issue a few months ago and still experience it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against two XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX  XXXX, and XXXX XXXX XXXX., d/b/a XXXX  XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0. 

To learn more, read Buying & Owning A Car.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.

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 2020-04-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against XXXX XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX XXXX, and XXXX XXXX XXXX., d/b/a XXXX  XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0.

To learn more, read Buying & Owning A Car.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: FL

Complaint narrative:
I have written to XXXX three times requesting proof that that I was late in XX/XX/2019. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

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 2020-04-26 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: GA

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters regarding validation of negative information my credit report. 

XXXX XX/XX/XXXX Dismissed BankruptcyChapterXXXX XXXX XX/XX/XXXX Dismissed BankruptcyChapterXXXX XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX XXXX XXXX XXXX I ask to get verification of the items however after 3 attempts transunion has failed to respond to my additional request for documentation and wrote me a letter and told me they will not reinvestigate although I ask for validity of the information that was being listed because i share the same name as my father who lived with me in the past and I have also been a victim of identity theft in past

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 2020-04-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have written to Wells Fargo Mortgage three times requesting proof that that I my loan was paid for less than the full balance. All they do is to write me and say that I did not fully pay off the mortgage even though my balance is showing XXXX. They never sent me any pay history showing details ... .That is not sufficient proof. They should be providing copies of every monthly statement for the year 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 2020-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
FedLoan Servicing ( PHEAA ) has begun ignoring my payment instructions yet again. This is the fourth CFPB complaint I have had to file because this company refuses to follow my payment instructions. My standing payment instructions were attached to my last CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of my last complaint. The most recent example of incorrectly applied payments is my XX/XX/XXXX payment for {$360.00} that was applied to my loans on XX/XX/XXXX. I called them about making a payment, and they said I could still mail in a check with a note while my loans were in deferment. So I mailed a check on XX/XX/XXXX with a note to apply the payment according to my standing instructions. Instead of applying {$5.00} to the entirety of the outstanding interest on all the loans and then applying the rest of the payment to the principal of the loan with the highest interest rate and lowest balance ( Loan Sequence 3 at 4.66 % ), they applied the entire payment to only 2 loans : Loan Sequence 4 at 4.29 % and Loan Sequence 1 at 3.86 % It looks like FedLoan Servicing ( PHEAA ) may have incorrectly been using  the temporary interest rate of 0.00 % instead of using the actual interest rates on my loans when they applied this payment to the loan principal, and they didn't apply they payment against the entirety of the outstanding interest before applying money to the principal, as they state they do. 

I have attached 3 documents : the instructions I sent with my payment on XX/XX/XXXX, my account history from XX/XX/XXXX showing outstanding interest of {$5.00}, and the XX/XX/XXXX payment history details for my XX/XX/XXXX payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
RE : SPS Select Portfolio Servicing Inc Acct # XXXX I am requesting that you look into SPS Select Portfolio Servicing Inc regarding adhering to FHA loan guidelines considering our Freddie Mac loan. I have had nothing but problems going back years ever since XXXX and XXXX XXXX XXXX. 

Due to recent turmoil in our lives we reached out to our new mortgage loan provider, SPS, after our loan was transferred from XXXX XXXX aka XXXX, for assistance. I submitted all documentation requested to SPS regarding our mortgage, via both email and regular US mail. I tried calling on numerous occasions leaving voicemails, sending emails to our contact at : SPS Relationship Manager XXXX XXXX XXXX Ext. XXXX or by email XXXX After weeks of no communication from SPS, I finally receive a letter dated XX/XX/XXXX stating that we are approved for a trial period plan to modify the lien. This trial period doesnt assist with getting down the payment due to both job loss and the Coronavirus nor does it show us exactly what the modification would be. Immediately I called our relationship manager and for the first time I got thru and spoke to an actual person, XXXX XXXX. 

I must say in all my years of dealing with customer service, this agent XXXX XXXX, was rude, unprofessional and gave me no options but dispute this decision. I asked her about the Cares Act and other options, and she said all I could do was dispute the offer. I was dumbfounded.

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