vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My Ch XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and I'm not disputing. Just please asking for the information to be early exclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed a fraudulent account from XXXX XXXX  Acct # XXXX open on XX/XX/XXXX. I disputed this account on XX/XX/XXXX it was deleted on XX/XX/XXXX only to be place back on my Experian credit report. I have dispute 2 more time with an resolution of verified. I ask for the verification but have not received anything.

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 2018-04-30 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: OH

Complaint narrative:
I disputed unauthorized hard inquires XX/XX/XXXX and XX/XX/XXXX. Indeed, no formal documentation to support these unauthorized hard inquires. I just ask the following inquiries be removed immediately. 


1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX 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 2018-04-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My Ch XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and I'm not disputing. Just please asking for the information to be early exclusion.

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 2018-04-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My Ch XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and I'm not disputing. Just please asking for the information to be early exclusion.

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 2018-04-30 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: LD Holdings Group, LLC
State: GA

Complaint narrative:
My mortgage company loan Depot is not reporting my mortgage payment I reaffirmed my loan after my bankruptcy was discharged they charge me a fee for doing so XXXX and XXXX they have not yet reported my loan payment my mortgage to either credit bureau please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Mr. Cooper CFPB Complaint Summary The mortgage company, Mr. Cooper, failed to pay property tax bill due XX/XX/XXXX from escrow account. We called Mr. Cooper roughly six times with no resolution. Having lost confidence in Mr. Cooper to address the issue, my wife and I paid our property tax bill on XX/XX/XXXX from our personal bank account with the accrued 10 % late fee. The property tax bill was {$3800.00}. The late fee was {$380.00}. The total paid from personal bank account was {$4200.00}. Mr. Cooper failed to address the issue and in most cased failed to even acknowledge the issue. We requested our escrow account be closed on XX/XX/XXXX and received confirmation of escrow closure from Mr. Cooper on XX/XX/XXXX. We received our escrow funds on XX/XX/XXXX. However, the 10 % late fee that was paid from our personal account, not from escrow, was not refunded as was indicated it would be. 

On XX/XX/XXXX, we called Mr. Cooper and requested a refund for the 10 % late fee that we paid out of pocket. The representative at the time acknowledged that Mr. Cooper failed to pay our taxes and that the late fee was incurred. The representative acknowledged that we paid the bill out of pocket and that Mr. Cooper owed us a refund for the late fee. She gave instructions on how to request the refund, which included faxing the following to Mr. Cooper : 1 ) cover letter explaining the issue 2 ) copy of the property tax bill 3 ) property tax payment receipt showing we paid the bill with late fee. The documents were faxed on XX/XX/XXXX. No response was received from Mr. Cooper. 

Over four to six subsequent calls to Mr. Cooper, the issue was explained over and over, to a new representative each time with no prior knowledge of the case. Each representative had different responses. Some clearly acknowledged we were owed the 10 % late fee of {$380.00}, while others insisted Mr. Cooper owed us nothing. None acknowledged that a fax was received, even after verifying the fax number on the fax confirmation page. Each call ended with Mr. Cooper assuring me a refund check was coming for the late fee. Two representatives said they would call back the following day after researching, and never did. 

Again, on XX/XX/XXXX, I called Mr. Cooper to follow-up and, again, I had to explain the issue for the first time to a new representative with no prior knowledge of the case. After approximately 15 minutes the representative, XXXX XXXX agreed that Mr. Cooper owed us a refund for the 10 % late fee. He apologized and provided his email address at Mr. Cooper to follow up if we hadn't received a check in 15 business days. After waiting the recommended period, no check came. I followed up with XXXX on XX/XX/XXXX and received no response. This was the final correspondence. 

It is my believe that Mr. Cooper has no intention of refunding our late fee of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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 — Problem with personal statement of dispute
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a XXXX XXXX unit in XXXX NY when I was overseas. After I returned to the US from overseas in XX/XX/XXXX, I had closed my storage unit with XXXX XXXX at XXXX in the month of XX/XX/XXXX. The monthly autopay was set up with XXXX XXXX XXXX XXXX XXXX. In the month of XX/XX/XXXX I had requested XXXX XXXX to freeze my account but they failed to do so. Inspite of closing my account for the month XX/XX/XXXX XXXX XXXX fraudulently charged my account for $ XXXX/-. I disputed the same with XXXX XXXX XXXX XXXX XXXX with all my back up documents and the vacant storage unit receipt and they did not help me at all. Instead kept adding late charge and raised the level from $ XXXX/- to $ XXXX/- and reported my account as a charge off to the 3 credit bureaus. Since then my credit scores have been tremendously effected and the incredible low score has blocked me from getting a mortgage I had applied for. I feel this is malicious retaliation and I am not willing to put up with this wrongful act any longer. Please help me in resolving this reprehensible act created by Santander and 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 2018-04-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Step 1 : What is this complaint about? 

XXXX XXXX has sent inaccurate tradeline information to Equifax about my credit card four times in XX/XX/XXXX. 
I want the inaccurate tradeline information removed, and have contacted customer service at XXXX XXXX and Equifax to alert them that the information is inaccurate, and I want it removed. 

Step 2 : What type of problem are you having?

My credit report is continuously monitored by the TrustedID Premier service by Equifax. I have received four emails in XX/XX/XXXX notifying me about changes to my credit report, made by XXXX XXXX. The changes to my tradeline that have been reported to me are inaccurate. 

Step 3 : What happened? 

On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to Equifax that my account had been Affected by natural or declared disaster. 
This is wrong. I have not been affected by natural or declared disasters, and I did not make any such report, ever. I know of no natural or declared disasters in my surrounding area. 
On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to Equifax that Consumer disputes after resolution. 
This is wrong. I did not make any consumer dispute on my XX/XX/XXXX account in XXXX or XX/XX/2018 at all. I paid my accounts on time in each case, without making any kind of dispute. 

Step 4 : What company is this complaint about? 

This complaint is about XX/XX/XXXX customer service and Equifax TrustedID Premier Customer Care. 
I contacted the TrustedID Premier Customer Care Team at XXXX on XX/XX/2018 to report the inaccurate tradeline update made to my credit report by XXXX XXXX. Equifax TrustedID Premier Customer Care Team told me there was nothing they could do, and I should call XX/XX/XXXX. 
I called XXXX XXXX customer service ( XXXX ) on XX/XX/2018, and described the problem to them. They said they would clear up the inaccurate information and remove it from my credit report. 
On XX/XX/2018 I received a letter from XXXX XXXX saying they corrected the issue. However, they did not. The inaccurate information has remained on my credit report, and they have added more incorrect information each month of XX/XX/XXXX. 
In addition, the correction XXXX XXXX claimed to have put in place was in itself inaccurate. They said my account was no longer in dispute. That was not trueit was never in dispute in the first place. 
When I received information about more inaccurate updated tradeline reports being made to my credit report by XXXX XXXX, I called their customer service line again on XX/XX/2018 to complain about the inaccurate information they keep reporting to Equifax. 
Once again, XXXX XXXX did nothing to correct the situation. 

Step 5 : Who are the people involved? 

The people involved are myself and the customer service representatives at XXXX XXXX and Equifax TrustedID XXXX Customer Care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Good afternoon. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. I have good credit history with my credit cards and I have a debit card with one bank and Ive been having good history why is it still on my records if this wasnt my fault.

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 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am extremely concerned over discriminatory banking practices regarding Citigroup and the gun industry. I use two Citigroup credit cards for almost everything I buy, including guns and ammunition. If these allegations are true, they are also extremely unethical, inappropriate, and will not never tolerated. As of right now, I use these cards to make approximately 2000 a month in purchases. I am ceasing to use these cards until I hear further information refuting this, and if true, I will immediately close the accounts.

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 2018-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018, I received an email that my credit account ending in XXXX was late and the payment was due for {$230.00}. I am not sure why the payment I late as have it setup on reoccurring payments. Please review as I have never been late on my account before. I need for my account to be reviewed and If anything has been effected I need it to be corrected. As, I received a notification on XX/XX/2018, and I was never notified about any late payments prior too. I need any late fee or additional interest waived, and if any credit reporting has occurred removed.

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 2018-04-30 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: EQUIFAX, INC.
State: WV

Complaint narrative:
My problem is with Equifax directly. I monitor my credit score weekly through XXXX XXXX. My credit score has continued to improve all the time with no negative activity in several years. My XXXX   and Equifax scores have continuously risen at about the same pace and have for several months to a year or more, and have, until recently, shown scores near 720. Suddenly, with no new negative activity, Equifax has dropped my score to XXXX with no explanation as to why. The red negative arrow shows a 30 point drop and its only reason shows my amount of available credit on ONE credit card. The monthly payments are always made and the balanace has continued to decrease. No new transactions have been made. XXXX  still shows my score at XXXX. There is no reason for the Equifax drop and it is nearly impossible to inquire about or dispute in an open discussion like this complaint form that Im currently writing on. 
Hopefully, there is something you can do about this as I want my score back. Thanks for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a returned receipt and certified letter to Calvary, XXXX XXXX XXXX, XXXX, NY XXXX. My request is to validate that I owed these accounts. In returned they sent me a letter dated on XX/XX/XXXX without any validation. They indicated " they have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow them to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, they are unable to investigate the dispute pursuant to the FCRA. '' In addition to provide more details. ( see the letter that it was sent which included all of the details I was requesting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: TX

Complaint narrative:
XXXX SECURITY BREACH HAS DESTROYED MY LIFE ... INACCURATE INFORMATION REPORTED ON MY CREDIT 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 non-monetary relief
Consumer complaint received 2018-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX SECURITY BREACH HAS DESTROYED MY LIFE ... INACCURATE INFORMATION REPORTED ON MY CREDIT 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
Consumer complaint received 2018-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX SECURITY BREACH HAS DESTROYED MY LIFE ... INACCURATE INFORMATION REPORTED ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
My mortgage is with Guaranteed Rate and I been trying to do a loan mitigation/modification as I am in the middle of a divorce and I don't want to lose the house. We have tried for 4-5 months now to get a response from the bank and they are continuing to give me the run around and not provide any assistance. They continue to find something new to delay the process with or give us the run around for weeks. 
We need help. I am currently paying {$3000.00} dollars a month, I have loss some contracts and my income has dwindle significantly. This has caused my credit to fall, my wife inability to do the same because of their run around. We feel discriminated against to the way they have handled the account. They did not even put my wife in the mortgage breaking the law of home bound as my wife as a right to claim the property and a place to live. This has been going on since XX/XX/ as far as I can recall when we started asking for help and here we are in XXXX and still no response. Not even a guidance from them. All they keep sending is late payment notices but nothing in relation to loan mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Was called from XXXX XXXX XXXX  about my loan being sold. Told that in XXXX i had 30 days to contact them back and everything would be in writing. Never gave me information about my new loan ... how to pay. I never received a account number the one i had was false and the number on the letter was the wrong number. Where to pay etc. then I got a morning wake up to a repo man saying I was Behind in payment. Also they didnt have my correct address or telephone number. So although they said they were calling me they were not. And they left no voicemails. Called to rectify things, not a lot of information was given. No time table, no payment stub etc. no account number. I still Dont know where or how to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: NV

Complaint narrative:
I received a copy of my credit report, I notice a hard inquiry that was fraudulent. I called Experian and explained to them that I have been a victim of identity theft, also ask them to remove the fraudulent hard inquiry from my credit report. Please removed this fraudulent hard inquiry from my credit report, thank you very much for your help. XXXX XXXX XX/XX/2017 2017

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 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
XXXX XXXX XXXX & Citi Bank are using their significant market power to discriminate against customers based on lawful firearm related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. Lawful activities in accordance with U.S. Constitutional rights should not be discriminated against!

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