vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: NM

Complaint narrative:
The XXXX XXXX XXXX XXXX reported that I owed money and sold the alleged debt to XXXX XXXX XXXX XXXX. I have been disputing XXXX XXXX XXXX XXXX since XXXX with Experian. So, The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are negatively impacting my Experian credit report. 

I do not owe either company. The XXXX XXXX XXXX XXXX admitted to mistakes made on my account and did not correct the mistakes, collected insurance on the account and also collected more money when the account was sold. Basically, The XXXX XXXX XXXX XXXX engineered a debt and recouped losses more than once for the same debt and is still reporting negatively in one section of my Experian Credit Report. 

XXXX XXXX XXXX XXXX is trying to collect on the engineered debt that was purchased from The XXXX XXXX XXXX XXXX. 

I have requested from Experian the source of the investigations. How has Experian been conducting the investigations? I have requested copies of the investigations and requested the source of the investigations. I have not received. 

I have written in to add my personal statement- on several occasions. My personal statement has never been added to the Experian Credit Report. 

I have written in to Experian and XXXX XXXX XXXX XXXX and informed both companies this is not my debt and most importantly I am not affected by any natural disaster or the current pandemic. I simply do not owe this engineered debt. 

I last wrote both companies in XX/XX/XXXX. NO RESPONSE from the XXXX XXXX XXXX I received an email from Experian to check my credit report. There was no reference to my request for investigation results, investigation sources, copy of investigation report and no addition of my personal statement. 

What had changed in my credit report was You Have 1 New Late Payment : This item was updated from our processing of your dispute in XX/XX/XXXX. There was no reference to my request for investigation results, investigation sources, copy of investigation report and no addition of my personal statement - I do not believe my requests were for a new investigation. I was requesting information on what was already done and how the investigation was done, I also wanted my personal statement added. However it seems -Anything sent in to Experian is processed as a new dispute.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Lexis Nexis is reporting inaccurate public record information and have failed to comply with 1681 ( i ) and are in violation of the FCRA I have opened now 2 disputes to delete public information that has several inaccuracies and they have failed to comply. This is an infringement upon my privacy and they must report 100 % accurate information Im providing documentation that they obtained from the Court that does not match what Lexis nexis is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: U.S. BANCORP
State: IA

Complaint narrative:
I contacted US bank as they are not reporting I made a payment on card ending in XXXX in XXXX of 2020 to XXXX and XXXX They told me to send a letter, which I did. They sent a letter back saying they investigated and everything is accurate. They included a phone number in the letter to call, and when I call they say they can't do anything about it.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America advertised a bonus on a new credit card, co-branded with XXXX XXXX that promised a {$200.00} cash bonus after charging {$2000.00} in first three months. I met the spending threshold around XXXX XXXX. I have communicated with B of A repeatedly and been told repeated different stories but almost all of them promised I would get the money. It hasn't shown up, and lately I can't even get a response from B of A to either phone calls or emails. Help, please. The card number is XXXX XXXX XXXX XXXX. I will attach the screen shots offering the promotion from dates both before and after I opened my account.

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 2021-01-15 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: MD

Complaint narrative:
In XXXX of last year I took a twelve month title loan with XXXX XXXX of XXXX, VA for {$3300.00}. 

I made a payment per month for each month since totaling {$1800.00}. Over half of the loan amount. 

As of this morning the website says I owe {$3300.00}. Payments of {$1800.00} brought the loan balance down only {$9.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK
State: NY

Complaint narrative:
To whom it may concern, I called to close my credit card with City National Bank on XX/XX/XXXX. I was told the account was successfully closed on the phone call. The statement closed on XX/XX/XXXX showed the balance to be XXXX. However, City National Bank charged me an annual fee of {$680.00} on XX/XX/XXXX for the following year. 

Because I closed the account, I was not aware of the annual fee until XX/XX/XXXX when my mortgage broker told me that I have a late payment on my credit report. I contacted City National Bank, but only received a letter acknowledging the error from an associate. However, no one else has given me a definite answer with regards to whether the fee will be waived and whether they will correct the late payment notice on the credit report. The balance of late payment and annual fee is still on my credit statement, and all three credit bureaus are still showing a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a notification on XXXX XXXX and again XXXX XXXX of a hard inquiry on my credit report for a credit card application for JPMCB. I did not nor would I apply for a credit card as I have no debt nor do I need a credit card. The inquiry resulted in a hard inquiry and deducted points from my credit scores across all three major credit bureaus. XXXX, XXXX, and XXXX. This is highly inconvenient as I am in the process of buying a home and dont want this to affect my chances for loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: PA

Complaint narrative:
I entered into a consumer credit transaction with First Progress. Pursuant to 15 USC 6802 First Progress never disclosed to me that I had the option to opt out of this transaction being reported. First Progress also reported this transaction to consumer reporting agency which is a violation of 15 USC 1681. The transaction arose from a credit card which is supposed to be excluded from a consumer report. First Progress was also in violation of 1692j because is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanFlight Lending, LLC
State: FL

Complaint narrative:
LoanFlight Lending LLC, a non-bank mortgage lender, has obstructed the closing of my refinance mortgage for, what I believe to be, retaliation for my selecting a different title and settlement agent then their preferred and/or affiliated one. 

Specifically, LoanFlight representatives have made non-standard requests regarding the title commitment for the proposed mortgagee title policy. And when this was brought to LoanFlight 's attention, it was, essentially, admitted as such. ( See attached chain of emails. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a call from regions bank on my cell. The caller ID showed as regions bank. The man told me my checking account was being accessed from a strange IP address and regions wanted to verify if it was me or fraudulent activity. 
He knew my name and of course my phone number and home address. 
I was just finishing up my work day and was in a bit of a scramble so when he asked to verify my login info ( he said the hacker may have changed my information ) I didnt hesitate and told him my user name and password. 
Next he had told me they were attempting a transfer from a cash app called XXXX and said I would be getting a text with a code and I read the code back. I told him I had to pickup my daughter and was running late and the call ended. Moments later I had an email from regions stating I made a payment to XXXX XXXX for {$790.00}. 
I called regions immediately and they said they could not do anything while the payment was pending. 
The very next morning I took off work and my husband and I went to the local branch and they closed my account for me. Opened us a new account. And she said she filed a dispute over the charge. 
Then the dispute was denied I guess because I gave my information out. 
But it was regions bank calling me, and they already had my information XXXX didnt know they could do that. {$790.00} is an entire mortgage payment for us I do not have that kind of money laying around. 
Regions will not refund the money but shouldnt they have responsibility with someone using their phone number? This XXXX app has no responsibility? I had to freeze all my credit, borrow money for our mortgage payment, I contacted XXXX that night and they wont do anything but cancel the email address from their system. I called the bank almost immediately after the transaction happened and they made me wait over 12 hours to file a dispute because the transaction was pending. They couldnt stop the payment? We are in the middle on a pandemic and they couldnt do anything to help?

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 2021-01-15 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: PA

Complaint narrative:
In effort to save money and take advantage of the lowest mortgage interest rates I tried to refinance more mortgage this week. Sadly I was declined. After multiple disputes and investigations into my credit report all three credit bureaus are still broadcasting their complete bias to my social security number. The following closed accounts are still inaccurately appearing on my credit file : XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX  opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX, XXXX Card XX/XX/XXXX, & XXXX XXXX opened XX/XX/XXXX. Since XX/XX/XXXX I have requested month to month dispute requests to send me complete information to include points of contact and methods used to verify these negative reported accounts. The credit bureaus have refused to do this but instead said they were verified and closed the investigations. Some of these accounts are over 10 years old and are closed. There is no good reason they should still be showing on my report and I'm asking that all of these accounts be deleted from my credit report. Thousands of dollars on representation, higher interest rates, and declines have put an enormous amount of stress on my ability to provide for my family. On top of it all the bank credit pulls are still showing up to 100 points under the consumer facing credit reporting systems. It is time to erase the numerous inquiries and negative credit accounts. I've been held in credit jail long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: PA

Complaint narrative:
In effort to save money and take advantage of the lowest mortgage interest rates I tried to refinance more mortgage this week. Sadly I was declined. After multiple disputes and investigations into my credit report all three credit bureaus are still broadcasting their complete bias to my social security number. The following closed accounts are still inaccurately appearing on my credit file : XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX  opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, & XXXX XXXX opened XX/XX/XXXX. Since XXXX of XXXX I have requested month to month dispute requests to send me complete information to include points of contact and methods used to verify these negative reported accounts. The credit bureaus have refused to do this but instead said they were verified and closed the investigations. Some of these accounts are over 10 years old and are closed. There is no good reason they should still be showing on my report and I'm asking that all of these accounts be deleted from my credit report. Thousands of dollars on representation, higher interest rates, and declines have put an enormous amount of stress on my ability to provide for my family. On top of it all the bank credit pulls are still showing up to 100 points under the consumer facing credit reporting systems. It is time to erase the numerous inquiries and negative credit accounts. I've been held in credit jail long enough.

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I am having serious issues with property escrow information. Serious issues of late payments for XXXX and XX/XX/2020 being reported on my bureaus credit history. I get no response to my emails or certified mails I send to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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:
Under Federal law, The bureaus have 30 days to complete there re-investigation be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 day of the completion. These are the companies ( XXXX  ), ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: OneMain Finance Corporation
State: NY

Complaint narrative:
XXXX advised unknown and unconsent credit inquiry from OneMain Financial through 3rd party, XXXX XXXX, as of XX/XX/2021. As of XX/XX/2021, reached out OneMain Financial to take down {$4000.00} online load application from unknow identify theft through XXXX XXXX, and filed report as fraudulent transaction. 
XXXX has set up fraud alert to me. OneMain Financial is supposed to send petition letter to XXXX for this unconsent credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I can't dispute inquiries made on my credit report without my consent below are two inquiries that appeared on my credit report that tried to dispute with transunion. i did not make this inquires and transunion refuse to help. Can dispute this Inquiries by phone or online. 

Inquires in questioned XXXX/XXXX XX/XX/2020 XXXX/XXXX 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 2021-01-15 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: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
This Dispute started in the spring of XXXX with XXXX XXXX. After over 15 years of service from this company I dealt with misleading information, fraud, lying, breaking of contract agreements on their part, and horrible service. I decided I had enough after trying to resolve all the issues and disconnected their service. They have tried to collect a disconnect fee of {$230.00} ever since XXXX. First by sending it to the collection XXXX XXXX in the spring of XXXX. This resulted in my Credit Score being lowered by all three Credit Bureaus. I then filed a dispute with all three and XXXX. All three credit bureaus removed the report and XXXX dropped the collection. 

Now here we are a year later and XXXX simply moved the collection fee to a new collection agency Southwest Credit. Again my credit score was lowered and now I am disputing this unreasonable charge with them and Southwest Credit. At this time XXXX and XXXX  have again agreed to remove the report, but for whatever reason XXXX is still being difficult even though they had no problem removing it last year. I have appealed their first decision and filed a second dispute with XXXX. I have also told Southwest Credit I will not pay the fee and informed them of the history of this collection. 

Below is an outline of some of the issues. I will attach and upload some supporting documents, but many were destroyed last year after I thought the issue was resolved. 

The original Creditor ( XXXX ) charged the fee as a disconnect charge I did not agree to pay. 

XXXX service was disconnected as a result of their horrible service, fraud, misrepresentation of their contract, lying, and a total dissatisfaction with their organization. 

This same collection popped up last year and XXXX, XXXX, and XXXX removed it from their files and the collection agency XXXX dropped it as well. Regarding the current collection issue with Southwest Credit, XXXX is dragging their feet and Southwest Credit will not drop the collection apparently. 

I had several other documents supporting this dispute but they were destroyed over a year ago when all credit reporting agencies and collection companies had taken this issue off their records. 

I hope your organization can assist in ending this matter permanently as it had been a nightmare and t do not want to continue filing disputes and appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.

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