vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 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: CA

Complaint narrative:
PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with XXXX XXXX. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from XXXX XXXX has been inadequate and nothing has been resolved or corrected on any of my credit reports. 

There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from XXXX XXXX. My credit score is being penalized for having 6 late payments reflected on my XXXX XXXX account, which is completely inaccurate and false misleading information. 

XXXX XXXX reported to the credit bureaus that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.

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 2019-11-04 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:
These agencies have dinged my credit twice this year, once in XXXX ( XXXX  XXXX XXXX account closed ) by 11 points and again last month 6 ( credit card balance {$160.00} ). I have access to {$15000.00} in credit and pay off balances each month, how the XXXX can they justify lowering my credit 6 points just because of a balance increase, it was paid off entirely as always. Same month my mortgage was paid, but I never get a credit for that. XXXX  XXXX XXXX confirmed that my account had not been closed but the 11 points never came back on my score. They are all crooks, I would not be surprised if the banks were in on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a credit card ( Mastercard ) with PayPal on XX/XX/XXXX. They ran my credit and give me a card with {$1000.00} credit line. I received the card in the mail today XX/XX/XXXX with a letter stating the APR was for 25.6 % due to my credit score from XXXX of XXXX. The problem is my credit score with XXXX  was XXXX on XX/XX/XXXX, so my APR should not be 25.6 %. I called PayPal and spoke with XXXX in customer service and she stated she could not change anything. I asked to speak with her supervisor. I waited for 10-13 minutes for the supervisor to get on the line. Her name was XXXX ID # XXXX. She said that the customer service person already tried to change the APR, but the system would let her and there was nothing she could do about it and there was no one over her that I could speak with to get it changed either. XXXX also stated that she could not find the letter that was sent to me. She also stated that the credit rate was a XXXX score. XXXX. I told her that XXXX  scores are single numbers. The phone was quite on the other end. She didn't know what a XXXX  score was. I have not activated this card yet and will probably cancel the card altogether. My credit is good and getting better every month and I don't deserve this high APR either. Please help me get this straitened out.

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 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
https : //www.shellpointmortgageservicing.com/ XXXX Monday through Friday XXXX XXXX EST and Saturday XXXX XXXX EST. 
Customer Service Shellpoint Mortgage Servicing On XX/XX/XXXX I requested to remove a PMI from my mortgage payment due to improvement made to the property, I received a letter and an e-mail suggesting that I need to have a BPO done and pay {$150.00}. I sent the check for a BPO immediately and it was cashed in a few days. However, the mortgage company did not schedule the BPO for a long time until the end of XXXX. Finally, on XX/XX/XXXX a broker came to the property and did his evaluation. He submitted his opinion on XX/XX/XXXX. Shellpoint mortgage informed me that the value of the property was high enough to remove the PMI. They advised me that the LTV was 73 % and I would get a letter with the new mortgage payment ( minus the BPO ) .On XX/XX/XXXX I was contacted by another broker asking me if I still needed the BPO. I told him I needed to consult the mortgage company. I called Shellpoint mortgage and they confirmed to me that I did not need the 2nd broker, therefore I told the 2nd broker not to come. I continued calling Shellpoint morgage every week asking for the update, and only today, a month later, XX/XX/XXXX they told me that one BPO was not sufficient, and I am disqualified since I refused to allow the 2nd broker on the property ( ignoring that that was on their own advise ). I asked to talk to the supervisor, who, of course, was not available. I think they are trying to postpone the decision as long as possible so we continue paying unnecessary PMI. They communication is non-existent. They promised me many times to send an e-mail or a letter with their findings, but never did. I kept calling them twice a week with no results. I need to know how to switch my mortgage servicing to a different company. I feel that this company is either completely incompetent or just dishonest, in either case I don't want to deal with them anymore.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: GA

Complaint narrative:
I NEED EXPERIAN, XXXX AND XXXX TO REMOVE FRAUD ALERT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: MI

Complaint narrative:
We refinanced with XXXX  XXXX, and our loan was sold off to XXXX XXXX XXXX. Our first few payment were processed normally, but our XXXX payment has been misplaced or some such XXXX. we insisted the payment was made, and finally were told the account number had been changed from the account we were paying to through XXXX XXXX. They said that we were responsible for the payment since they had to history of the payment being received. We provided our bank statement showing the payment had been paid on XX/XX/19, and we provided a proof of payment generated by XXXX XXXX. They are saying it will be applied to XXXX but could take 3 to 4 weeks! My main concern is IF this sorted out, are they going to adjust my interest accordingly, or am I going to end up paying more interest than I should, and are they going to correct the credit reporting to show the payment was made and not missed. The loan officer, XXXX XXXX from XXXX XXXX   told us to file the complaint with CFPB to make sure everything gets sorted out properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I NEED XXXX, XXXX AND TRANSUNION TO REMOVE FRAUD ALERT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2019-11-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I NEED XXXX  EQUIFAX AND XXXX  TO REMOVE FRAUD ALERT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Associated Bank charged the premium of {$530.00} for elapsed Home Insurance policy for two months. I explained to the Associate on the phone and his Supervisor that my Home Insurance policy with XXXX got cancelled without my knowledge and without any 30 days prior notice of cancellation from it as it is required. 
In addition, Associated Bank got the most expensive policy it can find for elapsed time which has the 300 % the premium of {$3000.00} per year than what I got for {$1000.00} per year from XXXX. I consider that to be outrageous on the part of Associated Bank and totally unacceptable. 
Even in the event, I am to pay for post dated policy for the elapsed period if it is in FINE print of the Mortgage documents as I was told, the 300 % higher premium than the Mortgage holder can get is totally excessive and border lines of " Robbery ''. Associated Bank knows or should know availability of lower premium policies but chose to buy the most expensive policy.One has just wonder " WHY ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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:
I have contacted the following bureaus equifax, XXXX and XXXX about the following accounts and injuries that have been placed on my credit report as a way of fraud and it has yet to be moved off my credit file.i have sent etc reports and police reports and have contacted the finance companies and the information still remains. the following accounts are XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX THE FOLLOWING INQURIES ON XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CU XX/XX/XXXX ; XXXX XX/XX/XXXX. 
THANK YOU XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 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:
I have contacted the following bureaus XXXX, XXXX and Experian about the following accounts and injuries that have been placed on my credit report as a way of fraud and it has yet to be moved off my credit file.i have sent etc reports and police reports and have contacted the finance companies and the information still remains. the following accounts are XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX THE FOLLOWING INQURIES ON XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CU XX/XX/XXXX ; XXXX XX/XX/XXXX. 
THANK YOU 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 non-monetary relief
Consumer complaint received 2019-11-04 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: IL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting 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 explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Honda is showing 2 late payments in XX/XX/12 and XX/XX/12 that are not correct. The account is paid and closed but still an issue. Id like it to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi I requested to close my capital one account and it took them a month to close it after I paid off the outstanding balance and Im showing it still reported to XXXX XXXX  as a past due account with higher balance and I cant open up other checking accounts with another bank and I Received a decline letter from XXXX XXXX  due to Excessive deposit returns and current unfavorable experience with a financial institution which it came from capital one they put a bad things under my name and ruin my life by sending that message to XXXX XXXX  ... I hired a attorney to take look at this ... and I cant get a checking account under my name for life ... this is not right I paid my outstanding balance with capital one but it not being updated to XXXX XXXX  at all .... capital one has destroy my name and my life and cant apply for a checking account elsewhere .... I was turn down for a XXXX savings account My capital one account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: FL

Complaint narrative:
I applied for a credit card ( Mastercard ) with XXXX on XX/XX/XXXX. They ran my credit and give me a card with {$1000.00} credit line. I received the card in the mail today XX/XX/XXXX with a letter stating the APR was for 25.6 % due to my credit score from TransUnion of XXXX. The problem is my credit score with TransUnion was XXXX on XX/XX/XXXX, so my APR should not be 25.6 %. I called XXXX and spoke with XXXX in customer service and she stated she could not change anything. I asked to speak with her supervisor. I waited for 10-13 minutes for the supervisor to get on the line. Her name was XXXX ID # XXXX. She said that the customer service person already tried to change the APR, but the system would let her and there was nothing she could do about it and there was no one over her that I could speak with to get it changed either. XXXX also stated that she could not find the letter that was sent to me. She also stated that the credit rate was a XXXX score. XXXX. I told her that XXXX   scores are single numbers. The phone was quite on the other end. She didn't know what a XXXX score was. I have not activated this card yet and will probably cancel the card altogether. My credit is good and getting better every month and I don't deserve this high APR either. Please help me get this straitened out.

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 2019-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I originally took out an Equity Loan off of my primary residence, with Washington Mutual, in XXXX of XXXX. The loan number is XXXX The original loan amount was {$250000.00}. The loan was increased I paid off on XX/XX/XXXX, in the amount of {$410000.00}. The account is now closed. 

I have been trying to get a copy of the Reconveyance sent to me, because I have never recieved one and I am trying to seceure another loan from my current bank. My current bank will not issue the loan until I send them a copy of the Reconveyance document. The payoff of this loan has not been sent to the County of XXXX. 

I am currently on the phone with Chase again and have been transferred to 3 different departments. Once I got to the third location, the supervisor stated they can 'see ' the but can't open it up or send it to me! I was told by the Supervisor, XXXX XXXX, that Chase will email it to me in 5 business days. 

These additional 5 days will continue to hold up the current loan I have applied for and has been 'tenatively ' approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: IL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting 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 explanation
Consumer complaint received 2019-11-04 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: IL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I recently noticed a collection with Portfolio RC on my credit report. The collection is showing a balance of {$4300.00} reporting to XXXX and XXXX. XXXX is reporting the date opened on XX/XX/18. XXXX  is reporting the date opened on XX/XX/18. Both bureaus are showing different account numbers and date last active. This collection is having a negative affect on my credit score and I do not recognize it. My rights under the provisions of the Fair Credit Reporting Act are clear, I demand these accounts to be deleted from all current and future credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MNE Services, Inc
State: IL

Complaint narrative:
I received a loan from amriloan online for XXXX and the payments where so high i could not make them so they garnished my wages. I have payed almost XXXX from my paycheck garnishment and they say i still owe XXXX plus interest my work said hands are tied. I have lost everything. Its a scam company. THEY WONT SEND ME A COPY of any payments so i get the information from my job. I only make XXXX a week. 
http : //www.ameriloan.net/ameriloan

Company response to consumer: Untimely response