vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 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 — Investigation took more than 30 days
Company: Goal Structured Solutions, LLC
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 explanation
Consumer complaint received 2020-09-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 explanation
Consumer complaint received 2020-09-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been sending dispute letters asking for this egregious bankruptcy to be removed from my report as they have not provide the original court records or documents to provide proof I filed this bankruptcy myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been sending dispute letters asking for this egregious bankruptcy to be removed from my report as they have not provide the original court records or documents to provide proof I filed this bankruptcy myself.

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 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
ON XX/XX/2020, I SENT PARAMOUNT RECOVERY SYSTEM AND XXXX XXXX XXXX LETTERS FOR THE ALLEGED DEBTS OF XXXX ( XXXX ) XXXX  XXXX ( XXXX ) THAT I DO NOT OWE.I HAVEN'T RECEIVE ANYTHING FROM NEITHER OF THEM CONCERNING THE DEBTS AND I HAVE ATTACHED COPIES BELOW FOR YOUR ASSISTANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have made several payments to my mortgage that have not been credited to 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 explanation
Consumer complaint received 2020-09-25 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:
XXXX  and Experian are fraudulent on my accounts : XXXX XXXX is fraudulent on my credit Account XXXX  XXXX XXXX  is fraudulent on my credit Account XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX   XXXX  XXXX is fraudulent on my credit Account XXXX  is fraudulent on my credit Account XXXX  XXXX  is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX  XXXX is fraudulent on my credit Account XXXX XXXX is  fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX  XXXX   is fraudulent on my credit 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 explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX the car was purchased. On XX/XX/XXXX the first payment was made. On XX/XX/XXXX was the first payment due. A total of 16 payments have been made. The next payment should be due XX/XX/XXXX. I have attached the evidence showing the original date due for XX/XX/XXXX. After I requested the revisement they sent me a new payment due of XX/XX/XXXX which also has been attached. I have attached both the original date and the adjusted date both are incorrect. The correct date should be XX/XX/XXXX. So two payments are missing after adjusted request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over the past couple of months, I have received notices from Citibank regarding Regulation D- which is a regulation that limits an account to 6 transfers per month. I contacted Citibank on multiple occasions to make ask and make them aware of the fact that in XX/XX/XXXX, the Federal Reserve Board eliminated that rule due to COVID-19.  Each time I spoke with someone ( Via chat ), they were either not aware of the rule or I was told that Citibank 's system had not caught up ( whatever that means ). This morning, as I was checking my accounts, I noticed that my savings account had been closed. I called Citibank to try and understand what happened. The first person I spoke to pretended as if she couldn't hear me, the second person I spoke to told me that Citibank set 's their own rules, and the third and final person I spoke to looked into my account, agreed that there is no longer a limit but told me that I should have reached out to Citibank- I reminded them that I had, on at least 3 separate occasions. Beyond frustrated I hung up. I called another bank, XXXX XXXX, to see if they were aware of this ruling, and they too were not. 

I have attached the various chats I have had with CitiBank customer service agents, as well as the letter I received from Citibank regarding closing my savings account. I reached out to Citibank on XX/XX/XXXX about the matter where I was reassured by the agent that the issue would be escalated so that it does not happen again.

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 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.

Complaint narrative:
I applied for a credit card with XXXX XXXX. It was denied due Equifax. I had a similar problem around 3 years ago. Equifax sent me a number of pages to fill out and correct their errors. It took some time to make all the corrections. Once sent back to them, the matter was resolved and I received the credit card. It now appears I have to start all over again with them. This is not acceptable to me. I have one small intentional debt and an annual income of {$80000.00}. Companies like Equifax hold a lot of influence and should be somewhat competent in their processes, otherwise, they should be investigated or shut down. What can I do about this?. Thank you ... XXXX XXXX XXXX ... .case reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
i sent a letter to Rentdebt Automated Collection, on XX/XX/2020 concerning a alleged debt of {$1200.00} that i do not owe.I haven't receive anything that i requested and i also attached a copy of the letter below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I have disputed this account because I know it is inaccurate. I sent a letter to Commercial Acceptance to dispute it, I sent that letter to the addresses reported to both XXXX  and XXXX, by Commercial Acceptance. They are required by the law to report 100 % factual data to the credit bureaus. Obviously, since the mail was returned to me, they have not reported 100 % factual data to a 3rd party, which would constitute a crime under American law. FIX THEIR MISTAKE RIGHT NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
XXXX, XXXX XXXX  and NYC and Co have all closed my store credit cards with them that I had paid off. I was told because they were dormant then when transferred to a supervisor at Commenity Bank was told because of my credit report that was dinged and lowered because of these accounts being closed without receiving any letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and the Department  of Education  to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.

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 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I enrolled in American Express ' XXXX XXXX Program ( the " Program '' ) on XXXX XXXX, 2020, with my credit card account having been previously reported by American Express to the credit bureaus once in XX/XX/2020 as 30 days past due. 

I enrolled in the Program under the impression, as stated in the Program 's terms and conditions ( received in writing on XX/XX/2020 ), that " if it ( your account ) is past due now, it will not be reported any further past due ''. Despite this representation in the Program 's terms and conditions, American Express reported my account as past due again subsequently on XX/XX/XXXX, 2020- XXXX days after my enrollment in the Program and contrary to the terms and conditions cited above. 

Since the second reporting on XXXX XXXX, 2020, I have contacted American Express twice to 1 ) express my surprise at the reporting given the clear statement in the Program 's terms and conditions that states otherwise, and 2 ) request that the XX/XX/2020 credit bureau past due reporting be rescinded. During both calls, American Express provided additional previously unknown Program terms to me, specifically that my account would continue to be reported to the bureaus as " past due '' because " it takes 3 payments to bring the account current under the program ''. This information and caveat was never made known or explained to me by American Express, nor is it specifically stated in the Program 's terms and conditions I received on XXXX XXXX, 2020, in writing. 

As a result, I am filling this complaint to highlight the 1 ) highly misleading and inaccurate terms and conditions cited in the Program 's consumer documentation, indicating that '' if it ( your account ) is past due now, it will not be reported any further past due '', which is clearly contrary to actual practice given the past due reporting to the credit bureaus on XX/XX/2020 and subsequent verbal statements by American Express representatives, and 2 ) request that the Program 's terms and conditions be clearly and specifically transparent regarding the actual continued negative credit bureau reporting for an account with a past due status at the time of Program enrollment, and 3 ) that as a result of the above, American Express honor the documented Program terms and conditions as presented to me via letter dated XX/XX/2020 and rescind the negative past due reporting on XX/XX/2020 and refrain from any such further reporting during the course of my enrollment in the Program. 

This is extremely important in light of other consumers ' desire to avail themselves of this Program. American Express ' misleading and non-transparent Program terms is shameful in normal times, and downright disgraceful during these extraordinary times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
At the time of our application XXXX XX/XX/2020 ) were told the minimum credit score requirements for loan approval were XXXX. As we went through the application process, required repairs had to be made in order for the loan to be considered and approved. Since we were planning on utilizing funds from the XXXX to complete those repairs we had to use alternative financing ( credit cards ). After many delays due to supply chain issue 's because of COVID repairs were finally completed, we notified our loan officer XXXX XXXX 2020 ) and we were able to continue the loan request process. We received conditional approval XXXX XX/XX/2020 ). The home was then appraised, we received notification the XXXX  was in final review and we would be contacted shortly to schedule a closing. I was notified at midnight by email that we no longer qualified because of credit score had fallen ( due to high credit card utilization ) below the new requirement of XXXX. We were 100 % misled the entire time. 

At NO TIME were notified of the new requirements or even contacted that the second credit pull would be completed. Had we been given the information of the new credit score requirement we could have made different financial decision to avoid this unfair outcome. 

We contacted CITIZENS and requested an exception. The request was sent to the manager, it has been over a week since the request and they are now no longer communicating with us, we can not get anyone to return our calls or respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
To date, BBVA Bank has failed or refused to investigate, provisionally credit, and/or ultimately reverse all unauthorized charges that compose my dispute which BBVA assigned XXXX XXXX. XXXX. 

FURTHERMORE, BBVA BANK REFUSES TO COMPLY WITH MY REQUEST TO PRODUCE ALL DOCUMENTS AND RECORDS UPON WHICH IT PURPORTS TO HAVE BASED ITS FAILURE AND/OR REFUSAL DISCUSSED IN THE PRECEDING PARAGRAPH. I REQUESTED THESE DOCUMENTS AND? OR RECORDS FROM BBVA BANK THREE TIMES XXXX ONCE VIA TELEPHONE ON XX/XX/2020 at XXXX hrs ). THE FIRST REQUEST WAS : From : XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX : XX/XX/2020 at XXXX XXXX PDT To : XXXX XXXX

Company response to consumer: Closed with explanation