vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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: CA

Complaint narrative:
Experian failed to obtain my XXXX  XXXX XXXX credit card information since XXXX or XX/XX/XXXX. The missing information includes : - Account Type - Status - Credit Limit - Terms - Balance Updated - Recent Payment Amount My FICO score has been lower than previous months since then. 

Action I took : ( 1 ) I contacted XXXX  XXXX XXXX by phone on XX/XX/XXXX and was told to file a dispute with Experian. Other credit bureaus were getting the information without any issues. 
( 2 ) I contacted Experian using the online dispute platform on XX/XX/XXXX about the situation, and submitted evidence for my active XXXX  XXXX XXXX credit card account. 
( 3 ) I got a response on XX/XX/XXXX saying the dispute was resolved. However, the information was still not showing in the credit report. I filed a follow-up dispute on the same day. 
( 4 ) I got another response on XX/XX/XXXX saying the dispute was resolved. The status on file did not change at all. Information is still missing on my credit report ( please see the attached file ). 
( 5 ) I contacted XXXX XXXX XXXX with the phone number provided on the Experian dispute report. The hotline does not transfer me to any associates to help me solve the problem. 

I am unsure that filing another follow-up dispute would help. I have few options than to file a complaint with the CFPB to follow up the dispute. 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 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I believed I paid my balance in full on my Citi card in early 2020. I then received a letter in XX/XX/2020 stating I had past due interest and fees, which they said rolled over after I paid in full. I paid {$190.00} on XXXX which citi customer service ensured me was the final, final bill and covered all interest and fees owed. I now received another letter dated XX/XX/2020 stating I owe more interest. I called and they said I owe {$1.00} which they can not write off nor reverse. I spend a lengthy amount of time on the phone speaking with two different associates which Im sure cost citi more than {$1.00}. I want them to XXXX  out the account once and for all. I would close the card but Im afraid it would adversely effect my credit score. Can you help remedy this situation?

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 2021-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing in today since I am so upset by this. I had an account with Ally Financial Account # XXXX I had extended the lease for two months making the additional two months payments without any issues. Once the vehicle was returned I got a bill of {$1000.00} for every day the lease was not given back claiming that a document was never signed for the extension. I argued back and forth yet I wasn't getting anywhere and didn't want this to impact me anymore I agreed to a settlement yet was never informed the impact it will have on my credit report. 

They should have never taken the monthly payments for the lease. How does it work a bank just takes funds without allocating them. Also when they agreed to take my money yet again they failed to inform me the impact it will have even tough it is completely false information which is being provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.

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 2021-01-18 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: CO

Complaint narrative:
I have on three separate occasions asked Transunion, XXXX and XXXX  verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.

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 2021-01-18 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: FL

Complaint narrative:
All the accounts on my Report are Fraud I Never give Authorization to anyone to open these accounts I'm very stress out about this situation Please help me Resolve this matter

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 2021-01-18 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: FL

Complaint narrative:
All the accounts on my Report are Fraud I Never give Authorization to anyone to open these accounts I'm very stress out about this situation Please help me Resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
ORDERED LAB TESTS AT PRIMARY DOCTOR. LAB COMPANY WAS TO BILL MY PRIMARY CARE DOCTOR AT THE NEGOTIATED RATE, AROUND {$60.00}. LAB COMPANY BILLED ME DIRECT ( {$340.00}, NOT THE {$60.00} I AGREED TO PAY MY PRIMARY CARE DOCTOR ). I HAD OFFERED XXXX XXXX TO SETTLE THIS MATTER FOR HALF ( {$170.00} ). I SENT THIS OFFER TO QUEST MONTHS AGO. THEY NEVER RESPONDED TO ME. A COPY OF THE LETTER I SENT THEM IS ATTACHED. I HAVE NEVER AGREED NOR SIGNED ANYTHING TO PAY FOR THESE SERVICES TO THE LAB COMPANY. TRIED TO CALL THE LAB COMPANY 5 TIMES. SAT ON HOLD FOR OVER 30 MINUTES EACH TIME. WROTE LETTER TO XXXX COMPANY EXPLAINING I AM WILLING TO PAY THE NEGOTIATED AMOUNT AND FOR THEM TO CONTACT ME. THEY NEVER CONTACTED ME AND ONLY SENT THIS DEBT TO A COLLECTION COMPANY. I'VE ATTEMPTED TO HANDLE THIS WITH THE COLLECTION COMPANY BUT THEY TOO ARE NOT INTERESTED IN TALKING WITH ME. THEY HAVE NOW PUT THIS ON MY CREDIT REPORTS AND NEGATIVELY AFFECTED MY CREDIT SCORE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 have repeatedly disputed my XXXX 's XXXX account reporting information with Experian. They continue to state that it remains because the company validated it as correct as a Chargeoff. However I have received multiple communications from XXXX  disputing this stating that they are reporting it correctly as a BK Chapter XXXX Discharged item with 0 lates, etc. If XXXX IS reporting it correctly to Experian, why does Experian continue to not update my report correctly? Everytime XXXX 's 'fixes it ', a month later it 'defers ' back to the WRONG status which costs me points on my credit score for the wrong information as well as the ability to obtain credit from other lenders who see this hit to 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
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: PA

Complaint narrative:
I get my unemployment on the XXXX. I was a victim of fraudulent charges 6 times within 2 weeks. It has been a nightmare dealing with cardholder services!! My card was deactivated for know reason. I submitted complaint & it was finally reactivated after 2 months of being treated like a criminal, not able to get to my money, waiting on hold for hours to talk to customer service/supervisor, then hung up on and nobody having answers as to what is going on with my disputes or how to find out. XX/XX/2020, I was robbed of {$400.00} fraudulently charged from a Cash app in California. I live in PA, and don't even have an acct with this business!! I have been waiting for my {$400.00} to be credited back to me. This inconvenience has put me so much more far behind on my bills. Besides the fact 1 week prior {$200.00} was fraudulently charged. My cable/internet has been shut off, my phone that I've had for 20+ yrs was shut off and had to get a new phone/number. I'm now in the process of being evicted and have court date in XXXX. I called XXXX and was told to call back end of XX/XX/2020 to check status of {$400.00} Cash app dispute. I never received anything in the mail and was told it was denied and case closed!! There was No investigation done and nothing sent to me! This is disturbing and disgraceful that this is ok!! I'm looking into contacting legal help to sue. I want to know what was done and why I wasn't contacted. I never heard of this cash app until this happened to me. I never had an acct with cash app and dont know anyone in California!! I need my money that was fraudulently taken from me and given back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
In XX/XX/2020 I received an offer from my mortgage company ( Freedom Mortgage ) to refinance my existing mortgage with them to lower my interest rate and monthly payment. I agreed to do it, provided all information requested and everything went smoothly until it was time to close. I've been calling them since XXXX to find out why I haven't received a closing date and every time they tell me they're waiting on the title company. Spoke with title company on multiple occasions and every time I'm told that my loan had been cleared on their end since XX/XX/XXXX " I have emails to prove it ''. To this day each time I call Freedom Mortgage they tell me they're still waiting on the title company but when I forward the emails from the title company stating they had already cleared the loan since XX/XX/XXXX, I'm told " oh someone will contact you '' an no one ever does. What XXXX me off the most is the fact that I did not solicit this, they called me to offer it to me, and I have perfect credit and never missed a payment. This is why I'm submitting this complaint so that people know what they're getting into when dealing with Freedom Mortgage.

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 2021-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I, XXXX XXXX ( the daughter ) own XXXX XXXX XXXX XXXX XXXX VA, property that is under contract and I can not gain a payoff statement from PHH Mortgage company. All documentation has been provided by way of XXXX XXXX XXXX thus the request for the payoff statement. 

I am being told that I am unauthorized, thus PHH Mortgage will not communicate with me. I can not gain an understanding as to why I have not been listed as an authorized person. I need the payoff statement within the next 48 hours in order to close. 

My mother is deceased. The mortgage is in her name but the deed reflects both of us : joint tenants with rights of survivorship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have on three separate occasions asked XXXX, Equifax and XXXX  verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: CO

Complaint narrative:
I have on three separate occasions asked XXXX, XXXX  and Experian verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.

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 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
We made a principal only payment in XXXX which was returned. We called to complain about that ( as well as other complaints ) on XX/XX/XXXX. At that time we made a principal payment with the XXXX. It was never processed. There is a recorded conversation which Ameriahome needs to review and then process our payment, retroactively, back to the day we called. I am unable to get a supervisor to return our call and am scared to make another payment online with them. We have also asked twice for a bi-weekly program and they were to send the info to us. Turns our their reps do not know the difference between bi-weekly and budget pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I made a settlement arrangement with Chrysler Capital on XX/XX/2020 a charge off for a car loan that I was a co-signer on. They agreed to settle the amount due to {$2400.00}. I paid them {$1000.00} ( via debit card ) on XX/XX/2020 and I have a copy of the agreement. I received communication from them immediately when I paid the {$1000.00}. On XX/XX/2020 I paid the difference ( via debit card ) of the amount owed which was {$1400.00}. 

I asked for documentation to show that the account has been settled and paid in full. They are stating that it could take up to 30 days to receive a receipt showing it's paid. I don't understand this as I received a receipt right away for the first payment. It is not a check that has to clear. It was taken out of my checking account. 

The chargeoff on my credit can not be removed without the letter from them stating the account has been settled and paid. I am being evicted from my home because my landlord is selling the house. I am trying to buy my own house but am unable to because of the chargeoff on my credit report. I need the letter showing it was settled/paid to get it removed. 

THis action on Chrysler 's part is affecting me. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I purchased through Amazon with paying with their Amazon Synchrony bank credit card. a XXXX XXXX XXXX XXXX XXXX '' XXXX with shipping and tax. on XX/XX/2020. 
I returned the item as it was to big and was supposed to be refunded on XX/XX/2020 which I have not received the payment from Amazon on my Amazon Syncronohy bank credit card. I have contacted the Seller and the Seller stated that Amazon has not refunded me the money. {$100.00}. 
I paid off all my purchases I made n XXXX on XX/XX/XXXX which I have paid for this in full already on my Amazon credit card.

Synchrony bank says they are not charging me for the item but I already paid for it.

I have not receive a refund for this item at all. I did make a dispute through Synchrony bank but they tell me it is Amazon problem and Amazon tells me it is the bank problem.

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 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery is aggressively trying to collect on the charged off credit card account that belonged to my sister NOT me. They reported a collection for {$2800.00} from XXXX XXXX the account I NEVER HAD. My sister had put me as an authorized shopper long time ago so I could help her with groceries but I NEVER SIGNED for this account. I contacted XXXX XXXX  who stated they DO NOT have any negative accounts in my name. BUT portfolio recovery is refusing to validate this account but is aggressively trying to collect ... This is NOT my account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These credit companies aren't respecting the laws of FCRA. I had an inaccurate and negative account removed from my credit report and it was reinserted without notifying me nor did they send the notification in writing within 5 business days of the reinsertion. This is in violation of 611 ( b ) ( ii ) and this needs to be removed from my credit report. The companies also aren't consistent with their reporting. I disputed an account and it was removed from one credit bureau ( XXXX ) for its inaccuracy and false reporting, but the other 2 ( Transunion and XXXX ) aren't removing the account. There are also unauthorized inquiries that are still reporting after numerous disputed attempts. Please help resolve these issues so I can start to build my credit and work towards getting my family a house. This is unfair. Attached are the letters Ive sent to the companies, well over a month ago, along with my ID and proof of address for identity verification.

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 2021-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/.

Company response to consumer: Closed with explanation