vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-20 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:
I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing company (   XXXX   XXXX    )  and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortgag e Billing Statement ( attached ) da ted  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the exec uted Loan mod ification agreement  XXXX  on  XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously incorrect.  ( S  ee atta chment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender  XXXX    XXXX   XXXX   XXXX    XXXX  and  XXXX  when they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has gr eatly affected my credit score.  Any assistance you can provide would be very much appreciated!

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 2017-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing company  XXXX   XXXX   XXXX   XXXX    XXXX  and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement ( attached ) d ated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the ex ecuted Loan m odification agreement  XXXX  on  XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously in correct. ( See attac hment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender  XXXX    XXXX   XXXX   XXXX    XXXX  and  XXXX  when they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affected my credit score. Any assistance you can provide would be very much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: TX

Complaint narrative:
I successfully completed a loan modification on XXXX XXXX XXXX after making 3 months of on-time " trial '' payments from XXXX XXXX XXXX XXXX, XXXX and continued making on-time mortgage payments to date. Unfortunately after reviewing my credit report in XXXX XXXX, I called the loan servicing company ( XXXX XXXX ) and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortgage Billing Statement ( attached ) dated XXXX/XXXX/XXXX which reflects a past due amount of {$14000.00}! I signed and returned the executed Loan modification agreement XXXX on XXXX XXXX, XXXX and it was not completed until XXXX XXXX I received the executed copy of the Modification in XXXX XXXX, which was dated XXXX/XXXX/XXXX, which is obviously incorrect. ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender ( XXXX XXXX XXXX ) and XXXX when they were due since XXXX XXXX, XXXX and the previous past due balance was added to my principal, along with $ XXXX in fees. Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from XXXX/XXXX/XXXX would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did. After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month, XXXX XXXX. All payments from XXXX XXXX to present should reflect " on-time '' and be in good standing for that point forward. They have failed to report correct information or rectify the situation from XXXX to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affected my credit score. Any assistance you can provide would be very much appreciated!

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 2017-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian for dispute on my credit report, they were unable to locate my file.   I tried to dispute inquiries and credit that is not mine, but was unable because my file was up earlier showing me particial information then down showing me nothing and the company nothing even with a File number.

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 2017-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX   XXXX   XXXX    called me three t imes at my workplace on  XXXX   XXXX ,  2017 afte r being told during the first phone call that I 'm unallowed to take calls at work. The second phone call, they spoke to a co-worker and left a message. The coworker told them not to call the job. And then he called a final time, requesting to speak to me and spoke to the coworker that repeated not to call. He said he was an account manager and needed to speak to me regarding my debt, and he kept harassing my coworker. She simply hung up. This was all within less than an hour and a half.

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 2017-07-15 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: FL

Complaint narrative:
TransUnion listed closed accounts that I was told would be removed from my credit file. All documents were sent in to TransUnion. The companies are 2 Us Dept Of Ed accounts closed but not removed from. I sent in several letters and personally contacted the bureau along with the lenders. Not actions have been taken. The items still remain on my credit profile today.

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 2017-07-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I received a copy of my credit report stating there was a new collection account added upon viewing my account I noticed it was a debt that was not attached to my social I disputed it with the credit agencies. That came back and stated this debt was valid when they did n't provide no contract that I signed or no proof that this belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I have several inquiries that was report on my credit report that I did not authorize, and security financial is still report on my credit report after I request to pay but was declined due because the company wrote it off now another agency have it so therefore am no long responsible for it. Please look more into my report so . Am  also request that university   XXXX   XXXX   be remove as well. It could be update asap,

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 2017-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Good afternoon I have been through so many of your Employees trying to correct the problem with my account. Debit Card #   XXXX     XXXX   XXXX   XXXX . The transaction on  XXXX / XXXX /2017 was not authorized. I called the Claims Department after receiving a Claim #  XXXX . I explained to the Claim Personal that I wanted to stop payment on the transaction for the amount of {$34.00}. Your. Claim Department decide to do what they wanted. Any one may look at my account to see that I never had dealings with that company. According to what I was told when I ordered the Merchandise it was {$14.00} for shipping and Handling only and my card was going to be charged a one time fee of   XXXX  . When I checked my account I noticed I had been charged the amount of {$34.00} I telephoned the company regarding the transactions I was handled in Non Professional way. I requested the entire Transaction be CANCELLED, THE Customer Service person became angry and said she was not going to issues me my {$34.00} back. I did take the Liberty to record the Conversation regarding the Refund my money. The next day I noticed a Credit to my account for. {$19.00}. I called WELLS Fargo customer service representative to ask what was the {$19.00} about. She stated for the different of the {$34.00} .  XXXX    amount. I do n't asked for that. I asked for the entire amount of   XXXX    to be placed back into my account. Now I see today  XXXX  has Debit my account again for {$14.00} that I have not Authorized. Now I have paid these people a total of {$59.00} because your Employees wanted to be bill collectors. Today I asked   XXXX   in the Claims Department to put a Stop Payment on the {$14.00} and the  XXXX . She refused to do so. Now, I f this is impossible for you to get done then, I will contact the Consumer Financial Protection Bureau. I thought I would give you a chance first to resolve this issue. My Remedy,. for my money to be refunded my money and make sure the   XXXX   XXXX   do not debit my account again. I did the transaction in Good Faith, but it seems as though they are not TRUSTWORTHY,. I need not to have any more dealing with that company.
<P/><P/>   XXXX   XXXX     XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.

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 2017-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
This item from   XXXX   XXXX   XXXX   first appeared on my credit report in 2015 by another collection agency   XXXX   XXXX    XXXX  it was found not belong to me so the item was deleted. I recently received a copy of my credit report and noticed that AFNI was on my credit report for the same account that was deleted in 2015. AFNI has yet to provide me with legal documentation showing this debt belongs to me. I do n't want a letter attached with a bill I want a contract with my signature and identity attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: OH

Complaint narrative:
I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: OH

Complaint narrative:
I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.

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 2017-07-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is doing 'Bait & Switch ' : They send you a credit card promotional offer and then renege on the promotion.
BACKGROUND : I was sent Amex Gold card offer by American Express for 50k points after {$2000.00} purchase within first 3 months of account opening ( RSVP Code   XXXX   ).
In the past, I had Amex Gold card that I had closed more than a year ago ( last card closed on   XXXX   XXXX   that is why American Express sent in   XXXX   XXXX   a new offer ) American Express promotion letter and subsequent documentation did not say anything about having prior card. Attached is the documentation that American Express sent to me : 1. The promotion letter 2. The letter accompanying the card 3. The booklet showing the promotion.
4. Application screen ALLOWING me to apply.
Nowhere did it state that I am not eligible, since I had the card more than a year ago.
Nevertheless, out of abundance of caution, I checked with American Express customer service and was told that I was ELIGIBLE for the promotion since the account had been closed over a year ago. Based on that assurance, I got the card and fulfilled all the obligations of purchasing more than {$2000.00} within 3 months on  XX/XX/XXXX 
American Express admits to mistake but will still not credit 50k points that I am entitled :   XXXX   XXXX   from Amex Executive offices called on XX/XX/XXXX  & agreed : - That Amex should not be sending invitations when they specifically know I have had the card before and am not eligible - She also agreed, that customer Service should not be giving me wrong information that I am eligible to apply for the promotion, when they know specifically from my RSVP code, that I have had card before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital one  XXXX   XXXX ,   XXXX   XXXX    XXXX   XXXX ,   XXXX     XXXX     XXXX ,2016,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I became ill and missed full payments. I spoke to someone in XX/XX/XXXX  who told me to call back in  XX/XX/XXXX  to reset my loan. I called and was told I would receive an email. I kept calling but never received an email. I was verbally told the loan was reset however they still owed my {$2000.00} for a fake warranty place on by the dealership, I have been fighting to removed. I was never told or requested the warranty. They never sent anything. The car was repo  XX/XX/XXXX , I did not receive a notice about the sell of the car or how to get my items out of the car. As of  XX/XX/XXXX , I still have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Capital  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , Citibank  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 2017-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In  XXXX  my husband and I financed through Chase Bank the purchase of a   XXXX   (  XXXX  )  XXXX . The entire transaction, including the loan application was done through the   XXXX   XXXX  . In  XXXX ,   XXXX   was found guilty of misrepresenting the amount of car emissions in some of its models ( including ours ). A class action lawsuit was filed and as a result  XXXX  gave customers the option of trading in the car for a cash payment. The payment consisted of two parts. One was the payment to Chase Bank to pay off the auto loan. The remaining amount ( after paying off the car ) would be deposited in our bank account. We took this option, and in  XX/XX/XXXX  submitted the paperwork through  XXXX . On  XX/XX/XXXX , we gave in the car at a local dealer and two days later received the money in our account. When I checked the auto loan, however, I noticed that the full amount paid included the principal balance of {$16000.00} and an interest payment of {$1000.00}. Nowhere were we informed that we would have to pay close to {$1000.00} of interest for prepaying the loan. In fact, the  XXXX  dealer informed us that we would simply be paying the principal balance on the account. This seems illegal and possibly even a scam and I would like to alert other customers to this, especially those participating in similar  XXXX  transactions. Because  XXXX  pays the auto loan balance directly, it makes it easier for the interest charge to go unnoticed by individual consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
XX/XX/XXXX , I owed   XXXX   XXXX   for a credit line of {$1400.00}. By  XX/XX/XXXX , I paid the amount off in full as my last payment was {$250.00}. After making all payments, The   XXXX   XXXX   sold account number  XXXX  to Midland Credit Management, Inc  XXXX .  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   obtained a judgment against me in  XXXX  County, Kansas court  XXXX . During that time, I made additional payments by check not aware this was regarding my   XXXX   XXXX   Account ending in  XXXX .  XX/XX/XXXX , I sold my home and the {$2300.00} judgement was held back fr om my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid Midland as they also collected money on an account they never should had purchased from   XXXX   XXXX  . I 've been writing and requesting for the return and interest as   XXXX   XXXX   XXXX   and Midland refuse to resolve my claim.
<P/>
  XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation