vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 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:
XXXX XXXX has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally XXXX  is the ONLY credit Bureau reporting this. It shows XXXX : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX & XXXX LAST REPORTED DATE : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX. 

In my first dispute with EXPERIAN their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my XXXX report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on XXXX there showing XXXX XXXX XXXX XXXX I'm LATE 120 days in each box ; HOW?? How, there is only XX/XX/XXXX days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. EXPERIAN an XXXX are reporting this company XXXX XXXX XXXX. 

Now EXPERIAN says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet XXXX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. XXXX  is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )

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 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX XXXX Bank account tried paying off refuse to give information bank to the run arounds XXXX XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..XXXX, Equifax, XXXX XXXX won't even release any of my information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX  XXXX Bank account tried paying off refuse to give information bank to the run arounds XXXX  XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..Experian, XXXX, XXXX XXXX won't even release any of my information to me.

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 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP
State: IA

Complaint narrative:
The US Bank XXXX  XXXX that I have has a vary large balance and is very unwilling to waive late charges and discuss about what a fee of other debits mean on the statement/account. The representative didnt know what those were. Also they denied me to waive the late charge but also failed to offer to waive interest accruing on the account. Also the interest rate is too high. My previous past employer XXXX XXXX has tapped into my personal debt to income ratio and was discussing to my employers to terminate me at the 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 2019-10-03 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My complaint is against Comenity bank / XXXX, account # XXXX XXXX XXXX XXXX, open XXXX, credit limit {$500.00}, in XXXX balance at the moment. I sent a dispute letter to the mentioned company back on the XXXX of XXXX by mail because it is the only way you can dispute with them. Checking my reports and saw no dispute marks, they not only disregarded my dispute letter but they didnt even took the decency to investigate my account after receiving my dispute notice. This is a clear violation to the Fair Credit Reporting Act. This mentioned company has a late mark in my account which I was never late. Their negligence as evident is causing me a great financial problem. I do not want to take this case to court, but this unfair business practices, negligence, fail to investigate my account and if I seat down with my lawyers the list of violations will just increase. Im using the  Consumer Financial Protection Bureau as my last resource to try get this company to remove that negative mark from my reports and provide me with a deletion letter through CFPB portal as soon as possible. If I have to take this case to court and let a judge decide this dispute I will. Im attaching letter I sent to them and proof of that they received the mail. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: TX

Complaint narrative:
In XX/XX/XXXX we accepted a 3 month deferred payment plan as a result of Hurricane Harvey.  XXXX XXXX gave us the option of refinancing, accepting a partial payment plan, or repaying the amount due. We elected to repay the loan and we have verified multiple times with the mortgage company that our account is in good standing, we are paying as agreed, and our account is current. 

Despite this, XXXX XXXX has been adding derogatory remarks to our credit report since 2017 indicating that we are on a partial payment plan. This is preventing us from refinancing or getting other loans as we are essentially locked in with XXXX. To this day when we call they deny we are on a payment plan but continue to add these comments We sent a certified letter on XX/XX/XXXX asking them to remove the comments or show proof of acceptance of a payment plan agreement. XXXX XXXX received and then denied our request for resolution. We raised disputes with all three credit agencies which were again denied by XXXX XXXX. 

On XX/XX/XXXX we sent a certified letter again asking for a copy of the signed partial payments agreement. On XX/XX/XXXX a " Presidential Dispute Representative '' called us to ask some questions. Together we went through all of the payments made since XX/XX/XXXXand confirmed all of the payments had been made and our account was current. A Ms. XXXX XXXX informed us she would get back to us in 5-7 business days with a response. There has been no response and the number I had previously been given to contact her is no longer in service/ can not receive direct calls. We have been blocked from contacting XXXX XXXX. 

We are asking that all comments of " Partial Payment '' be removed from our account immediately and we will likely be seeking retribution for this unfair act by our mortgage company.

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 2019-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't recognize this inquiries. I never applied for it. I have heard of companys pulling your credit without permission and I know that it is not allowed. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses

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 2019-10-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't recognize this inquiries. I never applied for it. I have heard of companys pulling your credit without permission and I know that it is not allowed. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Multiple times I would keep getting a " technical difficulties '' message and could hardly work around their site. As a result, I was not allowed to make payments ( in addition to my auto-enrolled payments ) for weeks at a time. This impacts me in that I should have had lower principal being impacted by interest. By now it's a couple hundred dollars that I am behind due to their site issues. It is a complete joke to have  a website and have it have no capabilities. 

Additionally, their website is so poorly laid-out and managed that you will have no idea what your payments are and how they are being applied ( principal vs interest ). 

They have a secure message option on the website, but they are incapable of responding via email through this option - you will only receive auto-replies that include symbols making it appear as if this whole thing is a scam ( still not convinced it isn't at this point ). 

These auto-replies are only capable of saying TD Auto can not respond via email and you must call them ... which is a waste of time, unless you enjoy sitting on the phone for an hour to remedy absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: CITIBANK, N.A.
State: PA

Complaint narrative:
My girlfriend opened a best buy credit card in 2014. I was denied for being a co applicant. but they told her they would send them a card with my name on it too. because they made me an authorized user. I didnt have access to any account information i couldnt call to pay a bill she had to do all of it. we broke up. and i had her call and take me off the authorized user because we were no longer together. so she did that. but now the credit card late payments are showing up in my name. on my credit. she told me the account is closed now. and that she doesnt even have the card any more. But its showing on my credit.

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 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: CO

Complaint narrative:
There is a collection company called Credit Control LLC that has called me and threatened me and they have also sent me a bogus offer to settle a debt which they can not verify or validate. They say that they represent some company called XXXX XXXX XXXX. I have asked both companies to send me the original agreement from XXXX XXXX showing that i had an account with them and they REFUSE To do it. They are falsely accusing me of having a debt of XXXX that I do not owe. I do not have a contract with either one of these companies but they are trying to harass me and extort money from me and I have demanded that they cease and desist with any collection activity. I am sick and tired of having to go through this with these companies and I am demanding that a full investigation be done into their illegal collection practices when I have requested and demanded that they stop contacting me, stop sending me stuff in the mail and they have threatened to put this on my credit reports without sufficient proof that this is a valid debt and that this debt is mine. I have asked for the original contract and source document and they CAN NOT and or WILL NOT PROVIDE IT. Provide a credit card application with my signature and this can all be settled, you can not because one does not exsist. XXXX  XXXX has taken an old unverified debt, wrote it off as a loss then sold it to these two bogus companies for a false collection attempt and I will not stand for this anymore. They just contacted me again today and I have asked them not to.

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 2019-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank
State: GA

Complaint narrative:
On XX/XX/XXXX, I went into Synovus Bank in XXXX, Ga and talked to XXXX XXXX. I had an automatic draft coming out of my account from XXXX XXXX XXXX on the XXXX of every month. I advised her that I need to stop payment on this company in the amount of XXXX. She did the paper work to stop the payment on that company. I paid the necessary fee to stop the payment and come to find out it was never stopped. I was recently informed by another home security company that the money was still being taken out and that what lead me to call the home office of the the bank. Upon talking to a representative in the home office of synovus bank, I was told that XXXX XXXX put in the wrong stop payment number and that is why it never stopped. This went on from XX/XX/XXXX to XX/XX/XXXX. The bank is telling me that they will not pay me all of my money back for their mistake and that I was responsible for checking my statements. They have agreed to only pay me 6 month of back pay when they owe me for 13 months. This clearly is a mistake on their end and I feel like its their responsibility to clear it up. I did everything on my end to stop the payment and I feel like I should not have to suffer from the loss of their mistake. Please help me to resolve this issue.. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I pulled my XXXX credit report today XX/XX/2019 and I applied for American Express plum card on XX/XX/2019 and American Express pull my credit report twice with XXXX  and refuse to remove on of the inquiry and Ive been sending documents and they never responded or return my calls .... and Im asking them to remove the duplicate inquiry off my XXXX  report and its been few months and Ive havent heard from them the application number for the business plum card XXXX and I have the copy of my XXXX report and I also noticed that there was a inquiry back in XX/XX/2019 for a American Express green card and I never applied for it and I received a letter saying it will be removed off my XXXX  but its still remains

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I have only been with NEW REZ for a couple months ( not by choice ). My loan was sold off. I went online to pay my mortgage ( never getting proper notice in the mail of any issues ) and my payment was increased by {$90.00} a month ( almost 1100 for the year ). Now I am a XXXX XXXX that does A LOT of business so I am very familiar with what can and cant take place. I called and requested someone to re look at it on the XXXX of XXXX That woman said my summer taxes increased by almost {$800.00} for the year ( untrue ). In the meantime, I went to my city and my taxes had extremely small increases and should have never made a difference since I paid an extra {$20.00} in my escrow 4 or 5 times and this company received my loan with a cushion. I called today again to get an update and was told the company decided I didn't need to have a second look. I thought that was extremely unprofessional especially by a company that never notified me with options. The first woman I spoke to was rude and wouldn't give me my next step ( actually told me to go back down to the city and send them the info as if that is MY JOB. I asked to speak to a supervisor who tried telling me that my summer taxes were 2700 something which is a BIG jump from last years XXXX ( she was comparing summer to winter ) and when I corrected her she started to back track. She then stated that NEW REZ has a different requirement for escrow cushions. I said " well we are now on reason 3 that doesn't make sense to an experienced XXXX  so can I have someone call me, I really think this needs a second look. {$1100.00} for the year is ALOT of money to be short on a loan I just refinanced 12 months ago with the proper info. No sale or purchase has been made. She decided to become rude as well. I am now looking into refinancing just because my impression of the people in charge of the roof over my head isn't starting off as a good one. I do not trust this wont happen again and if I cant even get the correct answers or clarification than I feel sorry for the customers that do not have a XXXX or XXXX XXXX   background. Something not right is going on here and I need to know what that is right away. I will make sure I no longer do business with ANY mortgage lender that allows NEW REZ to purchase loans and I absolutely will not have XXXX XXXX do business with NEW REZ.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX a collections representative contacted me to collect past due payment on my car loan. After I tried to set up arrangements I was told on each call that I need to make a full payment or they can't guarantee the safety of my vehicle. On the call today XX/XX/XXXX I was told my car will be repossessed if I didn't make a full payment. My vehicle isn't even in the department that handles repossessions nor do the Representatives that I spoke with have the authority to issues a repo. Blatant violation of fdcpa regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: AL

Complaint narrative:
On XX/XX/2019 I received calls from XXXX twice within 10min.  They claim they are Regions Financial collecting on an account for a company called XXXX XXXX. I have never heard of this company nor have I ever purchased furniture on time. They asked for my SS #. I would not give it & they actually read off the SS # attached to the account they were referring to! When I stated that was not my SS # or  my address that they gave, I was threatened that the police would be contacted. I told them, Please do. I do not even live in the city of the address they gave.

Company response to consumer: Closed with explanation