vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
Good afternoon, I had a loan with M & T Mortgage and I made every payment on time throughout the 8 years I had the mortgage with them.

I sold the property and the closing took much longer than expected due to COVID and due the buyer and they buyers lender which was out of my control. It actually 3 months to close, so I made two payments during that time. The 3rd month I was advised by the lender and the attorney not to pay the last mortgage payment because they had already called and gotten the payoff and that it would interfere with the closing disclosure at the closing if I made  the last payment. We were supposed to close on the XX/XX/XXXX, but something happened on the lender/buyer side and it was bumped to XX/XX/XXXX. 

My mortgage company ( M & T ) called me about the payment, and I explained that we were closing on the property the next day ( XX/XX/XXXX. ) He said that would be fine. He did not say, Well you better pay it now or this will be reported to the credit buruea. If he had, I would have gone ahead and paid it and dealt with the consequences on the closing. I have been working very hard to get my credit built up, and now it went down 64 points due to 1 day.

I checked my credit score today and it has dropped 64 points due to the payment being paid on the day of the grace period ending. The balance of the account is now XXXX, so I called M & T and asked them to please consider pulling back the negative impact to my credit.

I was placed on hold and advised that per the supervisor they could not do that and I would just have to deal with it.

I advised them that I was not happy with that and asked if there was anything else I could do and she told me no.

I am asking if there is a way to have this negative report removed from my credit.

I am happy to provide more details if someone can let me know what I need to provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

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 2020-10-16 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: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus challenging a Bankruptcy that is reporting inaccurately. Date of filing and Reference / Case number is wrong and is reporting wrong. Bureaus are reporting Case No XXXX but I'm seeing something completely different. Please help us get this resolved. Attached are the bankruptcy documents

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 2020-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe I have frozen my credit with Experian. Now I need to unfreeze my credit

and Experian does not provide any good way to do that. I called their customer service line and there is an endless circular phone tree. The tree doesn't let you remove a freeze, only place a freeze. There is no option to speak to a real person. It seems like they want me to pay for a service. If there is a fee, then let me know. There is just no obvious information. The online way didn't work. The phone didn't work. I dont ' know what to do now.

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 2020-10-16 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: TN

Complaint narrative:
I am beyond furious and I pray to XXXX that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. Unfortunately, it's been over 60 days and I'm pretty positive that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
The phone bill was in my name for my deceased mother in law. I have contacted both AFNI and XXXX  to pay the {$200.00} because this collection is negatively affecting my credit. Ive wanted 2 months for someone to contact me back and no one has! I have had XXXX cooperation to try to take care of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
ON XXXX An Account was opened with Discover card Services. I applied for credit at the Time in Which my account was Approved and Opened With. Credit a Limit Of XXXX On XXXX XXXX I received a call from the verifications department to sign a XXXX   verification form which I signed the verification was spent back from the IRS for inaccurate information because the application did not list the Apartments number and previous address information. A second  verification letter was sent out on XX/XX/XXXX by a representative XXXX and he made a mistake or error because he failed to indicate the proper information such as address and apartments number so that it can be verified with what is listed with the IRS. On XX/XX/XXXX I was informed the account was going to be closed without reason. I feel verification failed to enter information on my behalf. Verification failed to enter apartment number on XXXX correspondence which caused the account verification to failed the second attempt. Im requesting CORPORATE COMPLAINTS TO LOOK INTO THIS MATTER and respond back with proper reasons to why my account is closed and provide documentation to their decision with accurate information for a closed account.. The information that was submitted to XXXX for the IRS verification was not correct correspondence. At the time of my credit pull I was approved and deemed Eligible. At this time Im asking the department to look into this matter and correct the matter and Mistake on Discover Verifications department. I can be  reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am beyond furious and I pray to XXXX that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. Unfortunately, it's been over 60 days and I'm pretty positive that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

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 2020-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have had an ongoing issue since 2017 with this company where they are mixing my and my sister 's account as we have very similar names and social security numbers. Each month when a payment is due, I manually make a payment online, however, the payment is being applied to her account and not mine. I then begin receiving phone calls from Comenity Bank/Victoria 's Secret saying that my account is past due although I had already made a payment. They are also merging our personal information and my phone number is being applied to her account and vice versa. This has been causing me tremendous XXXX for the past 3 years and causing unnecessary late payments and late fees on my credit file, which are ultimately affecting my credit score and increasing my balance and interest payment. I have to deal with this every single month and there is never a solution as it continues to happen every month. This is taking time away from my work as they call me during work hours and I have to step out every month for an hour to speak to a representative to explain this issue and it never gets resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Payments were made in XXXX, XXXX and XX/XX/XXXX were made to Sallie Mae Student Loans to pay off the loans permanently. I had called them in XX/XX/XXXX to confirm that the loan was paid off. I was told by a representative my loan was paid off and I was owed money. The representative told me that I was owed a little over XXXX dollars and the change of status in my account would be reflected in the next billing cycle. 

I checked my account in XX/XX/XXXX and the account still said that I owed {$1200.00} but owed nothing current. I left it alone thinking the representative meant the next billing cycle, meaning XXXX. I checked my account on XX/XX/XXXX as a relative notified me that they had called Sallie Mae and made a final payment towards the account even though I had been told the loan had been paid off. I witnessed the payment was in the midst of being processed. I signed into my account again on XX/XX/XXXX. The money transfer had been process and confirmed. The balance for my account was {$0.00} dollars, therefore, the loan should have been paid off at this point. 

I proceeded to sign into my account today XX/XX/XXXX to go over some documents that my relative had requested from me. It was then that I noticed that Sallie Mae reversed the payment back into the bank account that it had came from. And I now owed the XXXX plus an additional XXXX cents of interest accrued. I called to gather information in regards to this discrepancy and I was not given a straight forward clarified answer as why the money was returned back to the account. I was told it was an issue with the bank but was not given further details. This is the 2nd time with Sallie Mae since XXXX that I have attempted to pay off my loans and I am being given a hard time. I am being given false information in regards to my loan and they are reversing payments for no reason and blaming the bank for their mistake. The payment was clearly received and processed correctly. I am filing a complaint because this is highly unprofessional and I would like nothing more than to be done and over with with this company. I only ever received around XXXX dollars of the XXXX I was promised but have yet to receive.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am beyond furious and I pray to XXXX that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. Unfortunately, it's been over 60 days and I'm pretty positive that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

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 2020-10-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I initiated a dispute with Experian for a collection account with a collection agency by the name of XXXX XXXX on XX/XX/2020. The dispute results shown that the account was deleted from my credit report dated XX/XX/2020. After reviewing my credit report on XX/XX/2020 I noticed the account was re-inserted and was not given notice of re-insertion of the unverified, erroneous, inaccurate and/or incomplete information being added back to my credit report.

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 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I noticed in my credit scores that they dropped and It appears a collection with amsher collection so I called them and told me I had a debt of XXXX dlls with XXXX XXXX XXXX a company I don't even know, for tv or internet services, when the only services I have at home are direct tv and XXXX XXXX XXXX and I don't have any debt with them. So they are affecting my scores unfairly, and I haven't had any communication from any company before affecting my scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
My brother in law is applying for a HELOC to finance remodeling of his home. He has excellent credit, a flawless payment history, and over $ XXXX in equity. Prior to applying for the HELOC he had co-signed on a home mortgage loan for me on my primary home over 18 months ago. 

Although he was a co-signer on the my home loan, I have been the only one making payments on the loan for the last 16 months. I needed him to co-sign at the time of purchase to raise my debt to income ratio so that the my lender would provide the loan. I also have excellent credit, and no history of bankruptcy or delinquency on any of my loans. 

The current financial institution that brother in law is working with to secure a HELOC for his loan is US Bank. When my brother in law applied for the HELOC, he was informed by US Bank that he did not qualify due to a high debt to income ratio as he is considered a responsible a responsible party on my home loan for which he had co-signed over 16 months ago. He asked me if I would co-sign for him and I agreed. I then proceeded to provided US Bank with proof that I have made more than 12 consecutive payments ( 17 months to be exact ) from my personal bank account to meet my mortgage obligation, and that my brother in law has not made any of these mortgage payments. Despite providing this information as well as a letter confirming that I do not expect any payments from my brother-in-law for my home, his institution is reluctant to provide my brother in law with a HELOC in the amount of $ XXXX. They continue to insist that I should provide proof that all other personal loans on my credit need to be verified with 12 months of bank statements showing proof that I am the only one making payments on them, and my brother in law is not liable. 

I informed US Bank that my brother in law has nothing to do with any of my other loans and I dont see why i need to provide them with my payment history on these loans. Particularly because I have already provided them with documentation showing proof of payment for my home loan.

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 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Well I did application online for Prosper now theres supposed to account from there firm been calling and emailing me he has all my information he acting like hes Prosper and he must have there system hacked because he knew to much Hes been calling from XXXX XXXX XXXX he says his name is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I hired Square One debt settlement to help me pay off all my credit card debt. Monthly XXXX was taken from my account to amass funds for debt settlement and the fees included with this service. In XXXX of XXXX this company went out of business. Mo fees that remained were returned to me. The owner was to give me the new company taking over. No information for that was provided. 

In essence they took my fees and ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: NY

Complaint narrative:
I have been disputing some accounts since XX/XX/2020 with the credit bureaus, but I have not received any answers from them, I want to know the status of my disp.utes

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 2020-10-16 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: FL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. XXXX shows XX/XX/XXXX, and Transunion has XX/XX/XXXX and XXXX HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : DEPTEDXXXX Account # XXXX Account Name : US DEPT ED Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: FL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. XXXX shows XX/XX/XXXX, and XXXX has XX/XX/XXXX and Experian HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : DEPTEDXXXX Account # XXXX Account Name : US DEPT ED Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
I realize that your lending entity operates under tribal laws and are apparently not subject to normal consumer financial regulations, but I would like it known that over the course of the last year I have paid {$1000.00} to your agency in loan interest and fees, not including the loan principal amounts. I think that this is an extremely predatory practice that preys upon people without access to regular credit, on top of causing me severe financial duress and potential eviction from my residence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation