vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 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: GA

Complaint narrative:
XXXX XXXX  is refusing to update my information with the all 3 Credit Bureaus ( Transunion, XXXX  and XXXX  ). I have reached out to XXXX XXXX  in multiple occasions and requested that they resend the accurate status of my paid off mortgage account # XXXX and they are refusing to do so. 

I opened a dispute on XX/XX/2019 with Transunion whom requested an update from XXXX XXXX  but XXXX replied back with the balance of my mortgage going from {$230000.00} to {$230000.00} which is incorrect. This account has been paid off and the house has been sold on XX/XX/2019. 

I have opened another dispute with Transunion on XX/XX/2019.

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 2019-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Financial LLC
State: DE

Complaint narrative:
I applied for a loan with Loan Till Payday in XXXX, DE in XX/XX/2018. Due to unforeseen circumstances, I was unable to manage payments with the loan and a judgement for {$600.00} was filed against me. I have tried to make payments of {$100.00} per month to repay the loan, while unemployed. I recently received a threatening phone call regarding a case being filed against me in XXXX XXXX County and an Order of Location regarding my whereabouts. My family has received harassing phone calls as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FICO scores are affected by the following : Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. 

As a consumer who pays off debt ; mortgage and Credit Cards early, one is subject to a type of " CREDIT '' discrimination that ultimately weighs on ones FICO score. This impact is always going to be a factor for us, since we are over XXXX, paid our debts and will continue to pay credit cards off early and not in need of another mortgage and if we take out a loan, we pay it off early, sometimes in a matter of days. Two such auto loans taken out with the XXXX ; XXXX XXXX XXXX XXXX XXXX, were loans for less than 30 days yet impact our FICO score as a hard hit. Both of these items will impact our FICO score for the next 10 years or maybe my lifetime. As a senior, paying ones debts should be a plus and not counted as a minus. Experian has dropped our FICO from excellent to good when it should be a perfect score. Being old is not fun and being discriminated against for not having any debt is deplorable. All three credit agencies need to update their system and encourage pay on time, pay off consumer loans and mortgages and show that as a plus instead of a negative.

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 2019-07-23 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: NC

Complaint narrative:
I have contacted Experian on numerous occasion to advise of XXXX XXXX XXXX account which they are reporting on my credit is fraudulent. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt.. The other credit reporting agencies have already acknowledged fraud and account not opened on my behalf. I feel as if I have been victimized twice.

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 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I used a telephone in a break room to make a telephone payment to XXXX XXXX XXXX, ( XXX ) XXXX, and the collection department ( Comenity Bank ) has now made repeated calls and provided information to parties NOT related to me about my account being past due. This is a break room frequented by several people in located in the city hall!! I did not provide this number as a contact telephone number nor did I authorize the release of my account information to third parties!! 

Recent calls made on to the break room : XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX ( message left w/unrelated person ) XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from UNKNOWN @ XXXX This does not include the multiple calls made to my home telephone number!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I am following up on case XXXX. While the issue was once resolved, it has now resurfaced. Please read below. 

I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX  to make my monthly payment to XX/XX/XXXXXXXX XXXX, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid XX/XX/XXXXXXXX XXXX {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XX/XX/XXXX, XXXX XXXX  sold my loan to Suntrust. 

On XX/XX/2019, I filed a complaint against SunTrust through CFPB. The case number was XXXX. After several weeks of waiting, the issue was finally resolved in my favor with the {$1200.00} applied as of XX/XX/XXXX and my payment due XX/XX/XXXX applied as of XX/XX/2019. At this point, I thought the issue was resolved. 

On XX/XX/2019, I received three letters in the mail from SunTrust stating that the {$1200.00} of missing payment was transmitted to Suntrust from XXXX XXXX XXXX  ( XX/XX/XXXX ) on XX/XX/2019 and that the order of payments had been adjusted to ensure the proper allocation towards principal and interest. 

On XX/XX/2019, I received an email from SunTrust saying the check for {$1200.00} had bounced. I called the SunTrust Mortgage customer service number and was told a stop payment had been placed on the aforementioned check. As of XX/XX/XXXX, my mortgage principal balance does not reflect the {$1200.00} paid to XXXX  XXXX XXXX in XX/XX/XXXXof 2019. It also does not reflect the {$2200.00} I paid to SunTrust on XX/XX/2019. I spoke with XXXX XXXX in the Mortgage Payment Solution department who said she would ensure the XX/XX/XXXX payment was reapplied in the interim to ensure my account was not in default. 

As of XX/XX/2019, my mortgage balance is misstated as it does not contemplate the {$1200.00} I paid to XXXX in XX/XX/2019. The payment on made on XX/XX/2019 will need to be adjusted to account for the correct amount of principal and interest.

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 2019-07-23 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: NC

Complaint narrative:
I filed a dispute with Experian to investigate a few accounts that were not reporting correctly on my credit report. They were XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. After the first dispute was returned with errors not corrected I took the time to write a detailed dispute letter for each account in question. I included full credit reports that highlighted the errors. I received the results of the dispute back today and Experian still failed to correct the information. In fact they refused to even investigate XXXX XXXX XXXX XXXX even though I gave them new documentation from my financial institution. They say they investigated XXXX XXXX, but that date of status reflects XX/XX/2017 meaning they didnt do what they said. The XXXX XXXX account remains inaccurate and none of the questions raised in the dispute were answered. Experian has failed to meet their obligations under the Fair Credit Reporting Act so I am filing a complaint against them.

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 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
On or about XX/XX/2019 I received a late notice from my mortgage company. I checked my bank account and my mortgage payment cleared on XX/XX/XXXX. I called my mortgage company, they had to submit a ticket and it could take up to 10 days for correction. XXXX, the customer service representative said I needed to make my XX/XX/XXXXpayment in XX/XX/XXXXso that my credit report did not show 30-day late payment. I made my XX/XX/XXXXpayment over the phone to XXXX. Five days later, I received my new statement that showed my entire XX/XX/XXXXpayment misapplied to escrow. Nothing to princial or interest and I always include an additional {$100.00} to principle, which was applied to a late fee. I called again, I called again, I called again. Each time a 10-day ticket, no resolution, no payment applied to additional principal, only more late fees. On XX/XX/XXXX, I spoke with XXXX from the XXXX, AZ office she looked at the entire ledger of applied payments and an equally long ledger of unapplied payments and said she would call me on XX/XX/XXXX because she escalated the ticket to a two-day ticket. Today is the XX/XX/XXXXI got another letter in the mail showing another late fee. And I called today to talk to XXXX and she did not take my call. I can not begin to relate the fear and frustration. You hear everyday how consumers lose their homes. I feel like XXXX and Specialized Loan Servicing is XXXX. I cried, I screamed, I begged. XXXX, hung up on me. I have no further recourse but to reach out to an oversight agency. Please help 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 2019-07-23 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: NC

Complaint narrative:
I have contacted Transunion on numerous occasion to advise of XXXX XXXX XXXX account which they are reporting on my credit is fraudulent. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt.. The other credit reporting agencies have already acknowledged fraud and account not opened on my behalf. I feel as if I have been victimized twice.

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 2019-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We had a business checking account with chase Bank, the name of the business is XXXX XXXX XXXX XXXX account number XXXX, and we use to receive money from customers through XXXX XXXX ID XXXX, we closed this business account about 3 weeks ago, however one of our customers still have the old XXXX email ID. He transffered {$300.00} to the buisiness account on Monday XX/XX/2019 using XXXX, Chase bank account since the bank account close should refund the money to customer, instead chase took the money and deposited it to personal account XXXX XXXX XXXX. The customer called them they refuse to refund the money, they asked him to call us XXXX XXXX and ask him to call the bank and ask them to refund the money, when XXXX XXXX called the Bank, they told him the sender have to call and ask the bank to refund the money, the customer called again they gave him the same answer. XXXX XXXX called the bank again, the bank said that customer gave XXXX XXXX personal account information so that the reason the deposited the money to XXXX XXXX personal Account. 
That is not true, customer only have the Business account XXXX email ID, XXXX, he never have XXXX XXXX personal account XXXX email ID XXXX, which been deativited over a month ago. 
The last customer associate claimed that the customer deposited the money XXXX XXXX personal account in person. 
It is easy prove that chase did a mistake, or did on purpose, and they are covering for their mistake. 
Chase transaction number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I was only supposed to pay {$400.00}. I was charged {$400.00} TWICE. Two {$400.00} charged for Speedy were marked as posted today, XX/XX/XXXX, dated yesterday, XX/XX/XXXX. 

I called Speedy yesterday, XX/XX/XXXX, when the charges were still " pending. '' They were very unhelpful and said they would need a 30 day official bank statement showing the charges before they would refund one of them. The official 30 day statement doesn't come to me until after XXXX and that is an unacceptable amount of time to be out of {$400.00}. I called again today and emailed 30 days worth of activity, with the duplicate payments, and was again told I would need the official, because the print out didn't have my full name. 

I called my bank, XXXX XXXX, multiple times as well, and, though they were pretty unhelpful, after trying many times and asking for a supervisor, I finally got someone who was very helpful and says he is going to get one of those charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax allowed my identity to be stolen. They give me free fraud ins. for a yr. That yr. passed did not have any problems. Then they handed over my information to XXXX. a subsidiary of XXXX. Well in XX/XX/XXXXof this yr. I sold my condo and moved. To XXXX TN. Some one had turn in wrong address to XX/XX/XXXX. They also had wrong ph. no. that did not belong to me or my wife. When I went to get my Power turned on with XXXX XXXX XXXX. They said I did not exist. No one explained to me that XX/XX/XXXXhad locked my credit, and froze it. I did not know what was going on. So I checked online and ask for my credit score and report. When I got my sc ore it XXXX.After much time consuming research I found the errors on my credit reports. I had to request wrong addresses be removed by writhing, and wrong ph no. by writing. Then it took 30 days for them to agree I was right. Your folks make the rules. No information should be allowed to be changed on a consumers report with out vetting it by the consumer his self. I creates a weak link .Like if someone had my ssa no. and my personal data, and they do because of Equifax allowing a breach. Well all that person has to do is feed the know it al consumers credit reporting co. enough wrong information. Seeing how it is not vetted with the real person. Your policy 's has created a window for the fraudsters. Any change to my profile should be checked out by contacting the individual. Identifying they have right person, and ask is this correct. I should not have to got thru XXXX and half of Ga to get something removed on my profile I know is not correct. Also I Want Equifax to know the pain and suffering they have put this XXXX yr. old man thru and it will go on till I die. What would you do if you was me. This is no hayride. It a XXXX   nightmare.Thanks youj

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Syncb /walmart I filed a lost, stolen report report with police report with you and you closed the walmart { account contract closed }. that same day you opened an account { walmart } please send me a copies of the contracts with my signature to open another account that same day. because there are two accounts stated on my credit report with same account number account XXXX opened XX/XX/2016 you closed account account was closed same day an account was opened need copy of that contract with my signature on it to open new account XXXX again. you have all documents in file

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 2019-07-23 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: SIMM Associates, Inc.
State: NC

Complaint narrative:
Simm Associates is continuing to report a collection account in my XXXX report that has been recalled months ago by the original lender. They cant take payments or discuss the account I called and confirmed. However they are refusing to remove the entry on my XXXX  file so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I opened a Bank of America XXXX  XXXX credit card in XX/XX/2019. My wife and I used this card to make over {$6000.00} in purchases during the month of XX/XX/XXXX, as we were moving across the country. I attempted to make a payment and was directed to the BOA application, which I subsequently downloaded. On XX/XX/XXXX, I attempted to make a payment online. I received an error message saying that online banking had been disabled for my account and that I must call XXXX to address the issue. This number connected me to an automated recording instructing me to make the payment through the app. Needless to say, this cycle became very frustrating and seems designed to make credit card payments difficult. I ultimately spent nearly 3 cumulative hours on hold before I finally was able to make a one time payment. No one ultimately addressed the online banking issue so now, three weeks later, I attempted to make a payment in the amount of 1500 and ran into the exact same problem. It is aggravating and seems that BOA has designed this process to make payments difficult to discourage users from settling their account, perhaps to increase revenue from interest. I intend to cancel this card but I think this issue should be addressed to the ensure the welfare of other users.

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern i am unable to apply for bank accounts are any typeof financial service to to my credit score being lower dude to accounts unknown are not to my use i feel like its unfairly accounted and i did not do anything on my report i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: NJ

Complaint narrative:
Experian has reported this fraudulent account of XXXX XXXX  of {$4500.00} this is not my account it must be deleted

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 2019-07-23 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: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I have sent correspondence to Diversified Adjustment Service regarding an supposed account with XXXX and they did not send the documentation I've requested. I asked the company to send me an EXCLUSIVE, Written and SIGNED contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms. They did not send me this documentation after several attempts. I sent correspondence onXX/XX/2019 and XX/XX/2019.

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