vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Betterment LLC
State: NY

Complaint narrative:
I am writing to report the misconduct of Betterment bank and file the complain report against their checking account sign up promotion campaign. I completed all the requirement to fulfill the sign-up bonus but Betterment has not correctly responded to my request and refused to honor the offer. My visits with following numbers : XX/XX/21 XXXX XXXX Shopping trip ID XXXX XX/XX/21 XXXX XX/XX/XXXX Shopping trip ID XXXX XX/XX/21 XXXXXX/XX/XXXX Shopping trip ID XXXX XXXX XXXX is the date when I opened my checking account with Betterment and the promotion campaign was {$120.00} dollars. However, after I successfully funded my account, Betterment didn't honor the offer and terms. Instead, they informed it was their third party 's contractor 's ( XXXX ) fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: DISCOVER BANK
State: NY

Complaint narrative:
Since in the previous response ( XXXX ) the company did not provide me with the documents that I requested, please draw your attention to my complaint again. In the previous letter I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. DISCOVER BANK. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express continues to call for collection purposes despite the account not being past due. American express further advises that no COVID relief is available unless a payment arrangement were agreed to. American Express further claims that no late fees would be applicable under such a payment plan but admits that the plan would be voided were a payment considered late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I have pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. Transunion, XXXX nor XXXX has addressed this matter. I have disputed the info numerous times and only 1 account was removed from XXXX. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be 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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I have Convergent Outsourcing Inc on my XXXX and XXXX credit report. I have disputed the info with Convergent Outsourcing they have not responded at all. I sent the dispute more than the 30 days ago and I have not received any response from them. The amount is XXXX that is reporting on. my credit. I have asked XXXX and XXXX to look into this matter and all they said was that it was verified. They did not do any real digging or an investigation into this matter. They simply used E-OSCAR to verify and validate the info. I am asking that since I have disputed the info and they have not responded that the account be removed from my credit report. We are in a pandemic and the credit bureaus are not doing their jobs by making sure credit reports are accurate for consumers. I am asking that the CONVERGENT OUTSOURCING INC. account be 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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
In my XXXX and XXXX reports, every 6 months or so, different collection agencies place a collection record for the same original creditor and when I file a dispute the credit bureau removes after investigation. This debt is not mine and I don't believe it is appropriate to have this repeatedly affect my score. 

Collection agency - 1 : XXXX XXXX XXXX for the original creditor XXXX in XX/XX/XXXX for {$350.00}, which was investigated and removed by both credit bureaus, since it is not mine. 

Collection agency - 2 : MRS ASSOCIATES ( MRSBPO ) for the original creditor XXXX in XX/XX/XXXX for the same amount of {$350.00}, which is being disputed now with XXXX and XXXX. 

I am concerned of the above, probably due to combination of reporting mistake or identity theft as it is not mine. This complaint is placed here since credit bureaus are not protecting me from this abuse by third parties and it is seriously impacting my credit score and livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: KS

Complaint narrative:
They called me this morning and I answered. Told me the debt was for XXXX XXXX credit card before verifying they had the correct party. I told them I don't verify over the phone and terminated the call. They have called again and just hang up as I answer. I called them to ask why they are doing that and the female representative said, '' because we HAVE to have a conversation with you ''. She became rude and wanted to talk over me. I terminated call 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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: MD

Complaint narrative:
I called Professional Debt Mediation and informed them that the debt they report to the credit bureau for the amount of XXXX was fraud. I then disputed it with the XXXX. XXXX said they reached out to the PDM and they confirmed the debt was mine. The issue with this is that PDM confirmed that SSN on the account was not mines. When I asked them why did they lie to XXXX they told me because someone at the apartment complex probably put it in wrong and I need a police report. It doesn't make any sense that they just assume the SSN was entered wrong so they keep confirming it as my correct social security number. This creditor is knowing lying to the credit bureau because they admitted that the debt is listed under another SSN. The apartment complex entered into a contract with a person who SSN end in XXXX, which is not mines. It is very disheartening that this creditor will do this to someone for monetary gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX I need a PIN for all my credit reports asap.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by XXXX and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX XXXX XXXX. There was one charge-off for each, and subsequently, I came to a paym ent agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by XXXX and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX XXXX XXXX. 

There was one charge-off for each, and subsequently, I came to a payment agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In my credit report item ( s ) have been reported illegally according to 15 USC 1681. The information on the credit reported by trans union, XXXX and XXXX was reported without my permission.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XX/XX/XXXX, I filed a dispute with this credit reporting bureau about the unverified account XX/XX/XXXX Account number XXXX. In those 2months I have asked numerous times for a response or to be and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: IN

Complaint narrative:
Was looking into refinancing our home and the mortgage lender is showing that we have a Forberance on our Home Loan that is with BSI which was purchased from XXXX XXXX. BSI purchased the loan from XXXX in XX/XX/XXXX. BSI is showing that we have a approved Forberance on XX/XX/XXXX. Which we have never signed any paperwork or even asked for this to be done. And we have been paying our monthly payment of {$720.00} since they have taken over the loan from XXXX. Also, found out today on XX/XX/XXXX, that they also show a Reconstruction on our loan of 514 months when we should only have 18 years left on the loan. Why would the payment not have decrease in the amount per month, if the loan was extended out to this length of time. Also, no paper was signed or agreed on to this either with XXXX or XXXX XXXX. We also found out that there is a complaint against BSI thru CFBP on XX/XX/XXXX for the same reasons as listed above Falseified papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I have pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. XXXX, Equifax, nor XXXX has addressed this matter. I have disputed the info numerous times and only 1 account was removed from Equifax. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I have pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. XXXX, XXXX, nor Experian has addressed this matter. I have disputed the info numerous times and only 1 account was removed from XXXX. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be 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 2021-03-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There is an unauthorized credit inquiry from THD/CBNA on XX/XX/20. I have filed 2 disputes with Equifax and they will not remove. I just spoke with someone today and they said I have to contact the creditor or file a consumer report. I contacted Citibank and they were not helpful. I spoke with XXXX XXXX ID XXXX today and she kept saying I have to contact the credit bureau. They are just giving me the run around. This isn't the first time that someone has access by credit and/or bank accounts. I keep getting alerts that my information is being sold on the black market. This is so unfair that no one will help me remove it. Luckily, no credit lines were open but I want it removed and my credit report to report accurately. 

XXXX Dispute ID 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 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am trying to recover funds for charges made on my Visa card. 

All charges were made by XXXX XXXX  for the same amount of {$500.00}. 

Dates of charges : 1 : XX/XX/2020 2 : XX/XX/2020 3 : XX/XX/2020 4 : XX/XX/2020 5 : XX/XX/2020 6 : XX/XX/2020 7 : XX/XX/2020 8 : XX/XX/2020 9 : XX/XX/2020 10 : XX/XX/2020 11 : XX/XX/2020 12 : XX/XX/2020 ( 1st charge on this day ) 13 : XX/XX/2020 ( 2nd charge on this day ) 14 : XX/XX/2020 ( 1st charge on this day ) 15 : XX/XX/2020 ( 2nd charge on this day ) I contacted CitiCards in XXXX to dispute these charges. They appeared on my statement in XXXX as " Billing Disputes ''. In XXXX, the disputes were considered " Resolved '' but I was not granted any refund. I was also charged again for three of the charges. ( Please see the XXXX Citi Statement attachment ). 

I have tried many times throughout the month of XXXX to contact CitiCards and resolve the issue. Sometimes I talk to the Fraud department, who says it is a Billing Disputes issue. Then Billing Disputes says that it is a Security Issue. The Security says it is someone else 's issue. 

I have not been able to work with CitiCards to have these charges refunded or reversed. 

I also tried contacting XXXX XXXX  to discuss these unauthorized charges. They do not have a customer service telephone number, so I submitted an online form to request a call back. They have not contacted me.

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 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
reopen. XXXX. This is a checking account that I reported fees on my account because you refused to accept the data that was used on my account. XXXX was credited on my account. there were other fees that you refused to investigate. so I investigated after I received that you reported to the collection of credit. I responded to the collections office that you reported me to. there was about 3 and each time I got the charges off the bank account. I noticed that the amount was credited to my account but you didn't take off the over-drawn changes. one amount was XXXX that was over or closed to 200 dollars. the car was favor on my behalf but could not take off because they said that you should have given me my money back and they couldn't because I could not prove that you did not give me the funds. 

I spoke to your corporate office and was told that you should have taken the charges off and they did not understand why. again I asking you for the funds that you owe me and to take me out of the credit collections. 

I requesting all data from this bank account all credit collection notes. all fees that has a credit to my account and the amount that was taken off. you indicated that I owe you you must report all the information I asked for. send you all information in the paperwork also the car wash charges me twice for one car wash so the proud was if I purchase a monthly bill why would i get a wash if you investigate this the car wash knows that I cancel. just by seeing the double charge. again NSF fees. 

looking forward to my refund.

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