vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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: TX

Complaint narrative:
XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.

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 2020-07-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been working with XXXX XXXX since XX/XX/XXXX regarding derogatory payments being reported on my credit report. They have indicated to credit bureaus that I have not paid my account in XX/XX/XXXX and XX/XX/XXXX. The account has had a XXXX balance since XX/XX/XXXX, however they report that I owed a {$13.00} on this account and failed to provide statements. I filed disputes with all bureaus on XX/XX/XXXX and contacted the bank. All of the disputes were denied by the credit bureau. XXXX XX/XX/XXXX admitted the mistake over the phone and removed the {$13.00} ; they said the issue would be resolved with my credit report within 30 days. They would not issue a letter to my mortgage broker in the interim. There was no update in XX/XX/XXXX report so I continued to call them ; no answer, and no update to my credit reports. I have spoken with XXXX XX/XX/XXXX, Loss Containment, Credit Dispute, Customer Service, and their Regulatory Risk  Management department. They have admitted that they have made an error however will not remove these marks from my credit report. This has cost me time ; and the ability to purchase a home in a timely manner. This is unacceptable ; no one at the bank seems to know what to do ; my credit report is being artificially lowered by around 100 points and preventing me from moving forward with a purchase without a significant increase in my downpayment amount and a much higher interest rate than I would otherwise have paid.

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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase placed several erroneous stops and I've had to double pay over {$2000.00}. Chase does not credit account. No one speaks to me although XXXX in presidents office is assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
This is regards to a continuing issue with KIA Motor Finance that I have tried to work out a solution for 3 years. I have made several calls about this matter and providing emails to support my statements. I called XX/XX/XXXX to come pick up the car, that I had went into the United States XXXX, was having some issues with the car and could not afford to keep it. I was sent a form, faxed it back and they would call me with an appointment to come pick up the car. Never heard anything till a couple of weeks I called back again to make an appt. He said someone would come the following Wednesday between 2 and 4 and we verified. No show again. This goes on for about a month with no shows. Finally XXXX, XXXX we call and speak with XXXX XXXX XXXX resend him the form again ( email provided ). He is going to call us back and schedule an appt. NEVER hear from him again. XX/XX/XXXX my mother contacts XXXX again about picking up the car with no response. ( email provide ) I tried everything working with them with no prevail. I did not want the embarrassment of them coming into my mothers yard in the middle of the night and scaring her when we were willing to schedule an appointment and meet with them. Meanwhile she is paying insurance and taxes on the car. We also called the local KiA dealer and they would not take the car. Finally on XX/XX/XXXX my mother, which has my POA and is authorized on this account contacted KIA again about coming to pick up the car. Telling them that if they do not come pick it up she is charging {$20.00} per day. ( email provided ) As of today 's date that is {$7900.00} KiA owes. We have done all we know to get this matter resolved early on, this is penalizing me credit-wise. The information KIA is providing is inaccurate to all three bureaus. I have also provide inaccurate billing statement provided by Kia that are inconsistent with your credit reporting and KIAs previous response. ( email provided ).

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 2020-07-07 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:
XXXX XXXX - THIS IS NOT A DUPLICATE COMPLAINT - I AM INCLUDING NOW A THIRD LETTER FROM XXXX DATED XX/XX/XXXX. THIS IS NEW AND RELEVANT INFORMATION. 

Experian continues to report the XXXX account number XXXX. They are refusing to delete this item from my credit report in spite of the fact that XXXX has requested that they delete the account from my credit report 3 times. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. Experian continues to refuse to delete the XXXX account. 



XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX,  NYXX/XX/1001 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 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: NM

Complaint narrative:
I have two prepaid ( general purpose ) visa cards. On the card it says " FUNDS DO NOT EXPIRE ''. However, the two cards do have expiration dates which have passed. 

I logged onto their website and tried accessing the remaining balance. The balance shows that I have funds on both cards but that since the card is expired I can not use it. 

I tried calling the customer care but it is an automated system that does not offer any resolution and no other mode of contact. There is no way to use my funds and no way to contact the card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
There are several issues with this company. 
Beyond the nasty attitude received each time I attempted to resolve, they are reporting inaccurate information. 
The bill includes a Dr From a 2013 visit. They have been very disorganized. They have manipulated information on bill to keep on report. 
This bill also includes a visit that was a result of a false police report and was even told by sheriff 's department to drop bill and refused.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
Company : Dovenmuehle Mortgage , Inc . 
Applied for COVID forbearance - Granted Paid back entire 3 month forbearance XX/XX/XXXX. 

Faxed request ( per their documentation ) to remove PMI ( Fell to 79.65 % of original value ) Denied on XX/XX/XXXX due to outstanding balance ( of which there was not as of XX/XX/XXXX ) Called and they said : ( XXXX, Supervisor ) PMI scheduled to be removed in XXXX based on ORIGINAL amortization. 
I explained I had paid ahead so ratio was below 80 %. 
Explained law to them that they were required to remove PMI ( See law below ) and they said I had to file an appeal. 
I told them they already had a valid request on file for me and should honor it. 
Bumped me to get a call in a few days to speak with another supervisor ... 
No resolution ... 

Homeowners Protection Act of 1998 : The servicer must take action to cancel PMI when the cancellation date occurs, which is when the principal balance of the loan reaches ( based on actual payments ) or is first scheduled to reach 80 percent of the original value.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: FL

Complaint narrative:
There is a debt collection company named XXXX XXXX that is reporting a debt that they have not validated to me to prove the account is mines. They sent me a list of charges with no contractual signature or a way for me to know the account belongs to me other than an old name and old address from years ago along with charges. This account does not prove to be mine. I want to know how is this false information being verified.

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 2020-07-07 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: GA

Complaint narrative:
I have been a victim of identity theft and i am trying to have items removed from my credit report that do not belong to me. Every year i am required by the IRS to file my taxes with a security code due to this issue. There were tax refunds issued out to certain individuals under my name which the IRS themselves made me aware of. I sent a the items that i want disputed including a legal letter from FTC to all 3 credit bureaus. Experian is stating that they did not recieve it however i have proof that the certified package was indeed recieved and signed for by their organization. It has been over a month and i havent gotten any feedback or resolutions to these items. These items are causing my credit score to drop drastically and has been the reason for me not to qualify for a home ro certain job opportunities. I need these items removed immediately.

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 2020-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
I called Honda Financial Service on XX/XX/2020 and after a extremely long wait time >44 minutes. I finally spoke to a customer support person. Per the new lending institution I requested a Lease Buyout Packet,  however the Honda rep said due to security they could snail mail and/or fax it. I provided the new lending agents name and fax number requesting it be fax 'd to his attention. I reiterated my request and pertinent information, the rep said it would be sent out. This was done late morning on the XXXX and fully expected it to arrive by EOD on the XXXX and/or latest by morning of XX/XX/2020. I contacted the new lending institution on XX/XX/2020 to see if he had received the fax and he responded a negative but did verify his fax machine was operational. 
I failed to get his name or identity and didn't ask the turn around time but did mention it was time sensitive since the we were intending to close this out prior to next required pay date. I went on XXXX XXXX   website to see if I could get the required information and did find a way to get a pay out amount and what date it was good to and I emailed that to the new lending institution but he said that info was not sufficient for his requirements and did in fact need the Lease Buyout Packet originally requested.

I again called Honda Financial on XX/XX/2020 and again spent an inordinate amount of time >1 hour  waiting for a live pickup. This time I requested the support person 's name, XXXX, and explained to her what transpired the previous day and asked why the requested information was never sent. She had all of the right information, new lending agent 's name and fax number from yesterday 's call. I asked her how much time should be expected to get a simple fax out and she agreed it shouldn't be too long. I'm assuming it's an automated process. She said she would resend, I gave her the new lender 's direct phone number so she could validate it was received. She placed me on hold and attempted to call the new lender but did not receive validation. I subsequently emailed the new lender and awaiting feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
There is a debt collection company named XXXX XXXX that is reporting a debt that they have not validated to me to prove the account is mines. They sent me a list of charges with no contractual signature or a way for me to know the account belongs to me other than an old name and old address from years ago along with charges. This account does not prove to be mine. I want to know how is this false information being verified.

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 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Corporation
State: CA

Complaint narrative:
The FAIR DEBT COLLECTION PRACTICES ACTS states collection of any interest or fees is a violation of section 15 U.S. Code 1692 Unfair practices unless authorized by the agreement creating the debt, or permitted by law.

Merchants Credit, a collection agency, is adding interest to this medical debt. A violation of the above US Code.

I have written two letters asking for proof of interest agreement between myself and the medical office, XXXX XXXX, and there hasn't been any reply. I have received no response. I have tried calling.

I do not owe this amount and ask for it to be corrected and interest removed. I tried contacting the office by phone to no avail.

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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/2020 I paid off my mortgage balance in full via a refinance with another lender. As of XX/XX/2020 I have not received the refund of my {$5100.00} escrow balance. I have spoken with customer service at CIT several times since then. They first ignored my email sent via the XXXX portal. When I called on XX/XX/2020 I was told the check was sent to the wrong address ( same street, wrong house number ). I do not know where they got the incorrect address. The person I spoke ( XXXX ) with told me to call back the following week to confirm the check was sent. I called again on XX/XX/2020 and spoke with XXXX. He said that the check was issued on XX/XX/XXXX, and that I should receive it in 7-10 days. I still have not received this check. It has been 85 days since I closed this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: FL

Complaint narrative:
I already filed a complaint against this business and nothing happened! They continue to send me email traying to collect a debt that is not mine! I called them today, spoke to XXXX and she refused to remove my email address and refused to transfer me to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
The original creditor is XXXX XXXX and the collection agency is EOS CCA. When I was first made aware of this account by checking my credit report I contacted them and advised this was not my debt and requested immediate removal since I was in the process of trying to qualify for a mortgage. I was informed that the only way the debt would be removed is if I pay the entire balance even if the account was not mine and they would then delete it from my credit report within 7-10 business days. It has now been months and I contacted the company to inquire about the deletion and the new representative told me that their company does not delete negative information from consumer 's credit reports. I proceeded to explain the debit was never mine to begin with and that the only reason why I paid it was because I was told it would have been deleted immediately upon payment. Following my conversation, I have attempted to dispute with the credit bureau 's but they continue to say the account was verified, but have refused to send me the proof of what documents were provided to verify the account as I have asked Under the Fair Credit Reporting Act, 15 U.S.C. 1681g. That request was ignored by the collection agency and the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: MS

Complaint narrative:
I paid off my entire balance of {$310.00} with XXXX XXXX XXXX. The last payment I made was for the amount of {$1.00} on XX/XX/2020. However, Equifax has yet to update my balance to {$0.00}. It is now XX/XX/2020. I have called Equifax and they have not updated my credit report to reflect the {$0.00} balance. Equifax had me to dispute which I have done and the disputes always come back as my creditor reporting that everything is accurate. I have never skipped/missed a payment nor have I ever been late with any of my payments nor with any creditors. Furthermore, both XXXX  and XXXX  both have timely updated my credit report to reflect the {$0.00} balance and other on time payments made with other creditors. As a result of of Equifax 's actions my credit score has resulted in a minute increase to my credit score. Equifax also told me to contact my credit, XXXX XXXX XXXX, which I did. I was told by XXXX XXXX XXXX  that my balance indeed shows that {$0.00} and the entire balance was paid in full. I was also told by XXXX XXXX XXXX that they are not sure why Equifax is not updating consumers updated balances. In addition, XXXX XXXX XXXX stated to me that I wasn't the only one complaining and that other customers of theirs were also complaining to them about Equifax. XXXX XXXX XXXX  said that the only advice that he could give me was to give it some time. However, Equifax has not reported any further monthly on time payments with XXXX XXXX XXXX. I have made on time monthly payments continually. ( I last contacted XXXX XXXX XXXX  concerning my complaint with Equifax on Thursday, XX/XX/2020. I also contacted by phone Equifax on XX/XX/2020 concerning my complaint/ balance issue. I also informed them that I have since done disputes on their website with them to no avail. Equifax asked me to submit a copy of my license and social security card again to them. I refused due to me answering all of their security questions correctly and identifying myself with correctly with my most personal information. Not only that, I also already submitted this information to them previously by fax. I should not have to keep doing that. I personally feel as though I am having to prove who I am by disclosing my person information over and over. It is not fair for me to jump through hoops for them because they refuse to take care of what they should take care of on their end. All they need to do is that simply update my balance to {$0.00} and increase my credit score as they should have done. It is not right and they are clearly are in violation. Their practices not only affect me in a negative light with other potential creditors but also affect customers who expect them to be ethical in their practices. Thank you and have a great day. Take care.

Company response to consumer: Closed with explanation