vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had no options to choose for my issue I paid off 2 check n go loans. When I applied for a 3rd they wanted a bank statement witch doesn't get generated till next month. They take a screen shot of my bank history showing I paid them off. ( They don't have info that I paid them? ) So I took the screen shot uploaded and they sent me an email telling me to do it again so I called them to find out why. I was informed that my screen shot does not show a balance after a debit and is not acceptable. Very confusing how my balance has anything to do with it. I begged like a dog for supervisor I had to call several times to get speak with a supervisor. 
My complaint is that one of the representatives asked me if I knew how to alter a document like in photoshop and I got the impression he wanted me to alter the documents put balances in so he could issue me a loan I do believe altering a financial document to obtain a loan is considered fraud and illegal And that fact that on XX/XX/XXXX my bank balance meant the entire world to them and I just refused to alter a document. So I told them to cancel everything I don't want to do business with anymore. On XX/XX/XXXX they sent another email requesting my bank statement again. I went into my account to send feed back and a complaint to find they don't want my bank statement but wanted to sign e document. So on XX/XX/XXXX my balance meant everything to them but on XX/XX/XXXX it didn't mean anything to them I don't think any lender should be allowed to suggest the customer to alter documents so he provide them with a loan They are constantly sending emails telling me I can apply when I've beggedthem like a dog to stop and remove me from their list and they refuse to do so I'm legally deaf by federal guidelines. I talk loud get accused of yelling get threatened to be hung up on because of it, I'm not allowed to be human with emotions and feelings. I'm supposed to let check n go treat me like a dog and make me beg to speak with a supervisor. The customers service is disgusting. It tried solving this with there feed back department and they are just as bad Please do not allow this company to do this to others I've included the screen shot they suggested me to alter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
on XX/XX/2021 The Small Business Association deposited Funds of {$5000.00} usd into my Bluebird ( American Express ) account. Bluebird ( American Express ) Closed the account on XXXX XXXX shortly after the funds were received. I contacted Bluebird ( American Express ), after several calls and emails I was told that my account has been closed. I contacted Bluebird ( American Express ) to request that funds be released from closed account to my new account or sent back to Small Business Association. Bluebird XXXX American Express ) stated that they would only release the funds if and when they receive a letter of indemnity from Small Business Association. I contacted the Small Business Association and they informed me that they do not write such letters. I have sent several emails to Bluebird Investigation team explaining that SBA does not write such letters and asking what else could be done to have these funds released from said closed account. I have only received automated emails from Bluebird XXXX American Express ). No one has responded. SBA does not write letters of indemnity. I have spoken with a paralegal with SBA that states they do not write such letters and they have never ever received such a request. Bluebird ( American Express ) states that the account is closed but I still receive an account balance email weekly. I would like to know how I can have these funds released from account without letter of indemnity due to the fact The Small Business Association does not and will not provide such letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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: SC

Complaint narrative:
Someone has an access on my credit report and it's ruining my credit while I was sick. I don't know who this could be

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 2022-04-11 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: SC

Complaint narrative:
Someone has an access on my credit information and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
SECU refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to SECU - and get zero recognition of that fact. 

I have attached our most recent mortgage statement that does show that I am actually the primary on the account. 

SECU claims that since I filed XXXX XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have fraudulent inquiries on my credit reports, names and addresses, and a few accounts that dont belong to me and they refuse to delete them

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 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
Dovenmuehl Mortgage has been entirely negligent on my escrow account. 

I got a notice in XXXX from my COUNTY that my taxes hadn't been paid. I emailed and faxed Dovenmuehl copies of the notices in XXXX, XXXX and again in XXXX of XXXX because it still wasn't resolved. Dovenmuehle never responeded to my emails or faxes other than auto-replies to my email ( " we've received your email '' ) and I have fax confirmations. I assume it's been fixed by now ... .but, who knows. 

Then, I got a notice this month ( XXXX, XXXX ) that Dovenmuehl also failed to pay my CITY taxes. The notice from my city included a threatening letter of placing a lien on my property. I called Dovenmuehl today ( XX/XX/XXXX ) to check the status. While on the phone, the rep from Dovenmuehl acknowledged that they, too, had received notice from my CITY that the taxes were unpaid. She further said that she didn't know why ( a ) they didn't pay them in the first place or ( b ) why they hadn't taken action upon getting the UNPAID notice. It's unbelievable. Then, she said it would be 10-days to process the payment which I told her was unacceptable. She claims that she's expidited it for a 3-day turnaround. 

I have no faith whatsoever in this company. I had to call them in XXXX, XXXX, XXXX, XXXX and XXXX to follow up with them on their errors on my taxes. 

During these months, they also held one of my payments in suspense claiming that they had my escrow amount wrong. I was NEVER notified of a needed payment adjustment. And, they did not make a partial payment with the check I sent. I only caught the payment being not processsed when I went to reconcile my account at month end. I had to sent a new payment. I never received an invoice or notice from the company that my payment had changed OR that my payment wasn't able to be processed. 

It is SO STRESSFUL to worry about my house payment and taxes being made each month. My credit score is excellent ( XXXX ). I am NEVER late on payments. But, I can't control what this incompetent mortgage company does. 

TERRIBLE TERRIBLE TERRIBLE experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have reviewed my credit report and see that the account that is being reported I did not open or do any business with this company. I do not owe this alleged debt. See attachment for complete details.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: SC

Complaint narrative:
Someone has an access on my credit information and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

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 2022-04-11 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: SC

Complaint narrative:
Someone has an access on my credit information and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/2022, I disputed the unauthorized, non permissible purpose, inaccurate items on my consumer report through the CFPB. Its past 30 days of the investigation mark and I have received any deletions nor an update on ALL results. Their silence tells me that they can not verify the information and need to be PROMPTLY DELETED from my report and file per 15 USC ( i ) ( 5 ) ( A ) ( I ). TRANSUNION repeated negligence and non compliance has damaged me with emotional stress and ruined my reputation and credit worthiness. These are CRIMINAL acts In accordance with the FCRA and FTC ACT.

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 2022-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I was purchasing some items on line. The first XXXX transaction went to a invalid address. I personally went into the back to cancel it before making a second transaction. {$700.00} each. I was told you can not stop a XXXX transaction once its been sent and that not to worry it would be returned the in ten days. 
The following morning Zions released both {$700.00} transactions. Seller has disappeared. Time will tell if this is fraud. Nothing to do but wait to see if the items arrive. 
Zions did not do has instructed. I was willing to take one {$700.00} risk purchasing items on line but not two {$700.00} risks. Zions need to take responsibility for their employees just as I did for 15 years. Its been a week and its turn out I have just been emailing with a automated computer. Zions is the new XXXX XXXX of Banking. Now I have to pull out my commercial accounts and move them to another bank. If XXXX cant trust them with {$700.00} how can I trust them with hundreds of thousands.

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 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to XXXX XXXX This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant 12 CFR 1022.41. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding XXXX XXXX make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. XXXX XXXX Is furnishing information without accuracy to TRANSUNION, XXXX AND XXXX which lack a great deal of integrity which has caused substantial harm.

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 2022-04-11 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: NY

Complaint narrative:
I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to XXXX XXXX This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant 12 CFR 1022.41. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding XXXX XXXX make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. XXXX XXXX Is furnishing information without accuracy to XXXX, XXXX AND EQUIFAX which lack a great deal of integrity which has caused substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: GA

Complaint narrative:
Someone has an access on my credit information, and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

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 2022-04-11 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: GA

Complaint narrative:
Someone has an access on my credit information, and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX  UNAUTORIZED HARD INQUIRY REPORED. XX/XX/2021 XXXX  XXXX XXXX UNAUTHORIZED HARD INQUIRY.

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 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
This company continues to report this negative account information on my credit report, without explanation. The company has failed to issue a notice of debt, nor debt validation information.This item should be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to XXXX - and get XXXX recognition of that fact. 

I have attached our most recent mortgage statement that does show that I am actually the primary on the account. 

XXXX claims that since I filed Chapter XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to XXXX - and get XXXX recognition of that fact. 

I have attached our most recent mortgage statement that does show that I am actually the primary on the account. 

XXXX claims that since I filed Chapter XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.

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 2022-04-11 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: GA

Complaint narrative:
I have been disputing inaccurate information with Experian via mail for months. I've sent via priority mail, next day air, and regular mail. The exact same disputes total over 6 times sent. They have only sent me auto generated messages via E-Oscar and have not truly taken a look at my letters. I've sent all relevant information needed to receive a thorough investigation which they have failed to do. If the information in question is not immediately removed from my reports I will pursue litigation.

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 2022-04-11 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: Nelnet, Inc.
State: VA

Complaint narrative:
I paid off my student loans in 2005. The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim 17 years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
The Truist takeover of SunTrust Bank has been a nightmare! I still can't access one of my accounts and when I call I have to stay on hold for an hour.

I have done this twice and after finaly getting a person, they say they have to transfer me to someone who can help and then they send me to the wrong extension and I have to strt all over again. I have not been able to access one of my business accounts for a month now! It continues to say that I am logged out when I try to log on.

Just tried to call again this morning and the recording says the wait time is over 60 minutes! What can I do?

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