vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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: KY

Complaint narrative:
I have notified Experian that they are continuously reporting incorrect information on numerous occasions. Each time I send a notice they are responding that the information has been updated. If the information was correct the first time how are constantly updating incorrect information. I have been attempting to have this information corrected since XX/XX/2019. I received a notice XX/XX/2019 the accounts were updated. I was expecting Experian to do the right thing and properly investigate these accounts in the 30 day window which include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Although, Experian claimed they investigated these accounts I received notices in a span of 15 days, there is no way that any of these companies have responded to the verification in this short time. I am filing this complaint to hold Experian responsible for reporting inaccurate information. My most recent dispute was sent and received on XX/XX/2019 and a response was received on XX/XX/2019 that accounts again were updated. If they are at all reporting correct information why are these accounts constantly being updated with new information.

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 2019-06-25 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: World Acceptance Corporation
State: TN

Complaint narrative:
I have reached out to World Finance Company multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, Mr Cooper credited my account {$600.00} in what was later described as " mistransfered funds from another customer. '' I was late on a payment that month and assumed that the {$600.00} payment came from my escrow account because in the same month, my escrow was increased. I paid the rest of what was due and went on not thinking anything else about it because Mr Cooper failed to inform me of THEIR mistake. I'd also like to point out that it's hard to believe that another customer went almost 4 months without raising concerns to Mr Cooper about where their {$600.00} went. 

Fast forward to XX/XX/XXXX, I get a call from Mr Cooper asking why my payment is late. I thought this was odd  because I made a payment in full on the XXXX of this month. For whatever reason, the payment was reversed by Mr Cooper but never made it back into my bank account. My statement shows a payment was processed in full on XX/XX/XXXX. Going to back to my Mr Cooper account, it shows I OWE a balance of {$610.00} ; {$11.00} of which is a LATE FEE. 

Mr Cooper made a mistake, didn't catch it, and didn't inform me of their mistake when they caught it FOUR MONTHS LATER. They charged me for the {$600.00} that they mistakenly transferred to my account then proceeded to charge me a late fee and call me to ask why I haven't paid my mortgage on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reached out to XXXX XXXX XXXX multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.

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 2019-06-25 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: TN

Complaint narrative:
I have reached out to XXXX XXXX XXXX multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.

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 2019-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In the fall of XXXX I closed out my account with Best Buy. I sent in what I thought was the balance. I was wrong. Here 's the thing. I did not find out until recently when I went to apply for a loan. It showed I had no payment to Best Buy / citi since that time. I NEVER received a call, email, or letter stating I owed anything during the ENTIRE time since I sent payment. 

Upon calling card services ( multiple times to include today XX/XX/XXXX ), they tell me my only recourse is to pay the balance but they can do nothing to remove the charge of or fix my credit issue. THIS IS THE ONLY DING ON MY CREDIT REPORT! 

I believe the original amount shorted was about {$250.00} which I would be glad to pay, but again the CC phone center people stated it has to be the full amount, and they can't help. They also say I can send a letter, but there is no email or phone number for contact to resolve this! 

This is unacceptable to say the least. I need help so I can resolve this. It is completely unfair that I was NEVER contacted, have to pay more than owed ( which I would have gladly paid! ), and now have to pay double!

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 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking at my report lately and noticed credit inquiries that were not made or authorized by me. 

XXXX XXXX- XX/XX/2018 XXXX/XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX XX/XX/2018

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 2019-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
I am going through a lay off due to workforce reduction.I spoke to Majestic Financial to try and consolidate my payments monthly. I told them that their wont be no more direct deposits going into my account. Still did not want to help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: ERC
State: CT

Complaint narrative:
Collection agency has engaged in serious violation of the FCRA, illegally re-aging an account. This {$1200.00} account was re-aged in XX/XX/2016, when the acutal date of delinquency was nearly three years prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a PayPal account which holds {$270.00} of money collected from sales on XXXX. The PayPal website gives you the option to have them send you a check for a {$1.00} fee. I asked for a check in the amount of {$270.00}. However, the webpage sends an error message when I try to request a check. Here is error message : " Before you may withdraw funds by check, you must confirm a non-P.O. Box address or become Verified by adding and confirming a bank account. You can confirm your address and request a check immediately by clicking on the Add a Confirmed Address link. '' However, no " Add a Confirmed Address '' link can be found on anywhere on the website. I reached out via chat to PayPal, and they told me that the only way to get my money is to link my bank account to PayPal. I do not want PayPal to have my bank account information. I want them to send me a check to my home address. In reaching out to PayPal, they refuse to give me my money and they refuse to close my account until I give them my bank account information so they can transfer my balance to my bank account. 

Basically, PayPal is holding my money hostage until it gets my personal bank account information. That is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 I was making airline reservations and saw the ad to open an XXXX XXXX. I filled out the application online ; however, noticed when I got to the terms that there was a XXXX XXXX yearly fee. I did not check off the box to agree to their terms and closed the application. Later I received an email that led me to believe the application still went through, which was later confirmed by receiving letter/card via XXXX XXXX. I again read the terms to verify and did NOT activate my card. I called Bank of America and advised of situation and asked they close the card. 

It should be noted that 100 percent of the time when opening a credit line online the terms MUST be agreed to by checking off a box or entering a code. Failure to do so will not allow the application to go through. This has always been my experience ; therefore, I have always believed this to be part of the application process. Why have a section about agreeing to the terms, if this is not part of applying for a credit line. XXXX disagrees with me and said that by my filling out the application, I agreed to the terms whether I checked the box or not. I think this is misleading, as well as deceptive.

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 2019-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX after hurricane Irma ( my county was declared a disaster area ) I got behind my mortgage payment in order to fix my home and appliances damages I did applied for fema but i was denied because i have home insurance witch I couldn't afford my {$3500.00} deductible. On XX/XX/XXXX I applied for a loan modification witch it was approved on XX/XX/XXXX the same time my loan was being transferred to a different mortgage service. ( from XXXX to Home point ) the modification process continue and I started the 3 months trial on XX/XX/XXXX until now XX/XX/XXXX still making my agreement payments. Here is the issue my loan modification has not finalized yet according to Home point they have not received the original documentation from XXXX, but I spoke with XXXX and they assured me they have send Home point all the documents including the originals. ( spoke with associate # XXXX on XXXX ) who assured me all information was send and gave the information to get in touch with CFPB for help since I ask her what can I do. In the meant time my credit is bad I can refinance my home and move on from the almost 2 year disaster.Please Help me to resolve this issues I always keep in touch with both mortgage companies the last email from Home point is saying the same thing they are waiting from XXXX to send the original documentation almost 2 years is too long. thank you Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
MyFedLoan has been withdrawing automatic payments of {$410.00} in accordance with their direct debit procedures since XX/XX/2019 and they continue even when an account is paid ahead. Their website specifically states if you wish to have an additional amount paid on a specific loan, you must pay online, mail, fax, or email your request. I am in paid ahead status and based on my XXXX XXXX debt elimination strategy I have been logging in online to pay {$100.00} extra towards three specific loans. 

On XX/XX/2019 MyFedLoan applied my direct debit payment differently than specified on their agreement with me. I was logging in to make my additional payment and I noticed the discrepancy, so I called. MyFedLoan 's solution is to take my account out of paid ahead status. I am concerned that the incorrect application will continue as per their website, paid ahead should not be an issue. 

I feel that this is a way for MyFedLoan to get more interest from me and they are using deceptive lending practices. The payment of {$130.00} is to go towards my largest student loan with the highest interest rate, but instead it went towards a smaller loan. 

I want this published as any direct debit user who wants to eliminate debt quickly may find that their payments are not being applied in accordance with their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Butler and Associates, PA
State: TN

Complaint narrative:
I just was informed of a garnishment of wages for a bad check that was written in XXXX for {$25.00}. I'm almost certain this debt was already paid, but am having a difficult time proving that as the debt was passed around multiple times and the last communication that was sent was more than 10 years ago. My issue is the following : If the law only requires a debt collector to send notice to a last known address, should that not have been addressed or updated once they found my place of employment in another state on the opposite side of the country? Common sense tells me that if they can find out where I work to garnish wages 15 years after the fact, they could then find me to notify me of said debt before proceeding with a garnishment. Their last known address was an address in XXXX, XXXX, where I have not lived since XXXX. I have resided in XXXX, XXXX  since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I got fired from a job that I was working for because of information that came back from a consumer reporting agency. I don't have any felonies on my criminal background so I don't know what is on there. I checked my Equifax report and there is much incorrect information ranging from auto loans, mortgage loans and personal loans. When I try to dispute this information online they give me a choice of business to choose from when they say around a specific time a auto loan or mortgage loan was put in my name. I have no idea who the company is and I choose none of above. After doing this the online system rejects my identity and I can't make a online dispute. But I'm telling the truth when I see I don't know any of these businesses that I'm suppose to have been given these loan. I don't know how they continue to keep this information on my record and I can't dispute it. I had a decent job and I'm very upset to have been fired and now receive no income. I was also provide a credit monitoring service from the IRS after they said that I had been a victim of identity theft and someone had gotten refund checks in the amount of {$4400.00} from the years of XXXX-XXXX.These people where in XXXX XXXX, GA and XXXX, TX. I was staying in a XXXX  XXXX so I could believe how the IRS would process returns from other states with my social security number.Since I have had the monitoring service I've still had problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date is XX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called BoA and was told The servicing was sold to a company called XXXX XXXX XXXX XXXX . 

I was never notified by Bank of America or XXXX ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on XXXX that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from BoA removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about XXXX they will still report it late due ti know fault on my part Thank You and PLEASE help help me 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 2019-06-25 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:
This is my fourth complaint reporting this, I am a victim of the data breach in XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, for FAFSA and I am very concern about the privacy of my information my information has been compromised and it is all over in the dark web, accounts had been open in my name.You have previously removed a XXXX XXXX XXXX account, according with Section 609 a 1 A, you had to provide me with physical proof and original documentation in order to list this account in my credit as well as written notification prior to relist it, which I never got. remove this account from my credit file. If you continue listing this account I'll have to seek for legal action against your company. I am requesting these information to be block from my credit report a in accordance with the FCRA.

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 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019, in two separate transactions, {$2000.00} was fraudently removed from my checking account via XXXX. I immediately reported this to my bank, Captial One. The first {$1000.00} transfer was credited back to my account but not the second {$1000.00}. The bank said they were able to recover the first {$1000.00} before it went through. I never heard of XXXX and subsequently learned that it if rife with fraud. Capital One should bear some responsibility since my customer profile doesn't include XXXX, which should have been a red flag. Nor was there any two factor authentication. I wasn't alerted via email regarding this transaction either. The person also attempted fraud with my XXXX account by trying to purchase multiple gift cards but XXXX flagged the activity as suspicious and put a temporary hold on my account. Capital One should have been able to do the same. 
Capital One denied the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
XXXXistheonlycompanytocontinuetoreportthisaccountinaccuratelywhichconstantlybringsdownmycreditscoreeachmonth,photoattachedandtheaccountmustbedeletedfrommyreportbecauseaftermultiplecomplaintsyouhavefailedtofixtheissue!

Company response to consumer: Closed with explanation