vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: PA

Complaint narrative:
I had 2 accounts with XXXX XXXX XXXX. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XX/XX/2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX XXXXWhich was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down XXXX points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I had a problem with a hotel reservation when I showed up to the hotel they gave me the key room and number I went into the room it smelled like XXXX I have small kids and an elderly person with me so it was not a safe environment for any of us that actually gave me a XXXX. Less than 30 minutes later I went back to the front desk I explained the problem and told them I could not be staying in a room that smells like this I would have to find another room and that they did not have authorization to charge my card the room is unfit and I would be leaving. They charged my card they have fought me over it I have made a complaint with my credit card company they are not reversing the charges at this time I've told them on two different occasions once in person over the phone and once in a letter written to him that I went through and spoke to the front desk told him not to charge my card they were authorized I told the manager on two different occasions they were not authorized to charge my credit card I've advised this to my credit card company and I'm still having issues and being charged for 30 minutes of being in the hotel at {$400.00} I don't think this is fair to a consumer to have to spend hours and days and hours to try to get their money back when they told him that they couldn't charge my card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy Driving Licenses for your reference. For the record I have lived in the same residence for over 7 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts. Also there are some inaccurate accounts that are showing on my report that are paid in full and need to be removed/ deleted. Here are the inaccurate accounts : XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ***XXXX XXXX XXXXXXXX # XXXX, ***XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ***XXXX XXXX XXXX # XXXX, **XXXX XXXX # XXXX, ***XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX # XXXX, ***XXXX XXXX XXXXXXXX # XXXX My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
My current phone number is : XXXX All other phone numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : Also, my current and only address is : XXXX XXXX XXXX XXXX, Ohio, XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXXXXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Ohio 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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: The Moore Law Group
State: CA

Complaint narrative:
I'm in escrow to sell my house. The Title Company found an old Judgment against me in favor of XXXX XXXX recorded by The Moore Law Group in 2011. I contacted them to find out if I still owed money on it, and they told me they had no active records for this lien, but refused to help me any further. If any money is owed I will gladly pay it, but they are holding me up from selling my house, and I'm in danger of the buyer cancelling the sale if I can't clear title. My escrow is scheduled to close on XX/XX/XXXX, so I'm desperate for 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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
ive been fighting with TD Bank so longest time. The last conversation I had with XXXX XXXX I paid my bill through her. She told me that my next payment will be due in XXXX. At my car be ready to use again. Then I go use my credit card and it wont work. I called her and she told me theres nothing I can do to call the number. I keep getting the runaround by TD Bank and Im sick of it. She shouldve said something with something like this would happen. I want my car back and I want to be used now. Again td being thinks he can do whatever they think they could do. They need to be held responsible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: TX

Complaint narrative:
I recently filed a dispute with Transunion regarding unauthorized inquiries on my report. TransUnion did not do a proper and thorough investigation. I was sent a letter stating I had to contact the companies myself. I have contacted the companies and was told to contact the credit Bureaus. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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 2020-09-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo opened a fraudulent personal loan under my name and social. I've reached out to Wells Fargo and the credit reporting agencies various times to try to resolve the issues directly. Unfortunately my request has fell on deaf ears with Wells Fargo and XXXX. I was provided information by Wells Fargo for the loan and upon review no information matches mine. The address used in the application never belonged to me and the signature page doesn't match mine. 

Also the company listed in the application I never worked for nor had any association with me. Lastly the tax returns that were provided are fraudulent and never filed with the IRS. Had Wells Fargo confirmed all the stated facts it would've prevented this fraudulent nightmare that's affecting me and my family. 

XXXX  has also failed to hold Wells Fargo to a higher standard and has also ignore the material facts in investigating this claim.

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 2020-09-30 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: VI

Complaint narrative:
My problem is with a Experian who continue to report false information on my credit report which cause me to be denied a loan to purchase a home for me and my family. I have written to Experian many times and they continue to do business as usual with out doing the proper investigation to prove 5hat 5he account bel9ngs to me. They obviously have no proof so they do what is easiest and write on a piece of paper verified while I am almost homeless. I am asking Experian to please delete all my information from 5heir computer data base and stop immediately from giving anyone false information about me. The derogatory information they are reporting is not mine so they must delete them. XXXX, XXXX, and 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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The primary purpose of my message is to file a complaint against Citibank , N.A . ( dba Best Buy Credit Services ) regarding our Best Buy XXXX credit card. The treatment I received aligns with well-documented complaints of inflexible late fees and interest charges from other consumers four times as many complaints as the next-closest bank ( according to the Consumer Financial Protection Bureau ). While Citibanks accounting methods may not be illegal, I submit the ethics of Citibanks business practices are questionable ( at best ). 

On XX/XX/XXXX XXXX last Thanksgiving Day XXXX, I opened a Best Buy XXXX  XXXX  account for the benefit of a deferred interest promotional offer. On the first page of the first statement we received, Citibank ( which issued the account ) stipulated, You must pay your promotional balance... in full by XX/XX/XXXX to avoid paying deferred interest charges. Under the Deferred Interest Promotional Offer Update heading on page three of the same statement, it said, No Interest if Paid in Full in 6 Months, Monthly Minimum Payments Required. 

The first statement we received had a closing date of XX/XX/XXXX, with a minimum payment of {$28.00} due by XX/XX/XXXX. Although Citibank did not expect/require payment until XX/XX/XXXX, I made a payment of {$80.00} ( toward purchases of {$460.00} XXXX in XX/XX/XXXX already. From XXXX to XXXX, I made monthly payments of {$80.00} each, and a final payment of {$65.00} in XX/XX/XXXX, for a total of {$460.00} ( the purchase amount ). As a consequence of their billing practices, I ended up with {$330.00} in accumulated late fees and interest. 

Yesterday XXXX XX/XX/XXXX XXXX, I spent several hours on the phone with several Citibank representatives. The first call ended abruptly mid-sentence. ( Its possible that we simply got disconnected, but it really sounded like a hang-up. ) Eventually, after two more calls and speaking to four more people ( with lengthy holds between each person ), I had explained our story five times. 

The last agent offered a settlement. Seemingly, Citibanks policy precludes the phone agents from removing late fees and interest charges. Regrettably, I accepted their settlement offer of {$180.00} for one simple reason : We have an excellent credit score and I am unwilling to gamble with it. 

To be sure, I made payments of significantly more than the minimum amount each month and paid the full balance nearly a month early. As such, I honestly do not believe that I owe ( d ) the {$330.00} in accumulated late fees and interest charges. Also, I have no reasonable expectation ( or confidence ) that Citibank will make it right, although Im ready to be wrong in this. One can only hope that Citibank will be held accountable for these egregious 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 2020-09-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: PA

Complaint narrative:
I explained to Fedloan servicing that I can not pay XXXX a month because I am retired and not making enough to pay that amount I received a letter stating I only owed XXXX per month and that is all I can afford or I will get an attorney and sue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
To whom it may concern, I am in the process of refinancing with Rocket Mortgage or Quicken Loan and but they are taking forever to close my loan. The broker, XXXX XXXX said that it will take 20 to  35 days only to close my loan. I submitted my loan on XX/XX/2020 ; it is now XX/XX/XXXX my loan is far from closing. This is now over 60 days. 

I also want to report I requested to use my own title company where I can get discount but they did not honor my request which I know I am entitled. 

From the beginning I said I told XXXX and XXXX XXXX, I am interested to get cash out but later, they reduced my loan from {$340.00} to {$340000.00} because she said my loan now is not cash out refi ; I was expecting that {$3500.00} will be added on my cash out. However they will not lower my points or interest rate since it is now just straight refinance or without cash out. XXXX said there is no difference. 

The Rocket Mortgage also let me signed the closing documents on XX/XX/XXXX as I am supposed to sign it with notary ; I emailed them that what about if I found something wrong on my closing documents. No one replied to me then when I called, they told me this will help speed the process. I believe this is still wrong as I feel they are taking advantage of me. 

No one can help me expedite the process of closing my loan even I spoke to XXXX, the manager, and fixed the issue from the beginning but he didn't do anything to fix this issue or called me back at all. I don't know how long I will wait to close my loan. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NC

Complaint narrative:
This seems to honestly be a scam this cash app account had my XXXX XXXX XXXX checking account linked and someone cashed out money from my account. I did a bank dispute to close that account and get a new one but cash app now is saying they dont see that when clearly the bank did and closed my account. Transactions that I disputed and provided clear proof I didnt debit they are saying needs 45 days. I need help to get my money back asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/20 my Reliacard for unemployment was deactivated without any notice or just cause by the company.I have been asked to verify my identity, multiple times and have done so 5 times and still can not access my funds.Me and my fiance, XXXX XXXX have the same issue with US Bank Reliacard.We have been stuck out of state for over a month, have missed legal proceedings and i have lost my 3 rarest stamps in my collection which are valued in excess of {$470000.00} as a direct result of this situation.To top it off, i have {$6700.00} on my Reliacard as i type this message and im living day to day and basically homeless in another state because i cant get my funds.They are ruining the lives of good people, and i just want my money its does not belong to them.Attached is the verification they asked to be provided from me and my fiance 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 2020-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of Santander, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XXXX XXXX, 2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against Santander for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.

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 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
We are trying to remove PMI and have satisfied the terms of the mortgage agreement. 

The date the principal balance actually reaches 80 % of the original value of the property, based solely on your actual loan payments. We are past that point now and New Rez ( lender ) refuses to remove PMI.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: AZ

Complaint narrative:
I have a medical bill in collection From XXXX XXXX XXXX XXXX that they billed to the incorrect insurance. I spoke to them about this before they transffered the debt to collections. It has been transffered to 2 different agencies. I have spoken to both of them to put in a request to XXXX XXXX XXXX cause this was billed incorrectly. uy the XXXX and the collections agency that represent them refuse to validate the debt and get the original billing issue corrected I would like this removed from my Credit. The collection agencies are telling me even though XXXX XXXX XXXX has made an error they can n o go back and correct I would like this removed from my credit Thank you. its for XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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