vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-07 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: Freedom Mortgage Company
State: AR

Complaint narrative:
I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to Freedom Mortgage Company and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by Freedom Mortgage Company because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once Freedom Mortgage Company was contacted. 

Payment application errors : Freedom Mortgage Company rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? Freedom Mortgage Company should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
Freedom Mortgage Company did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : Freedom Mortgage Company Loan #. 
Freedom Mortgage Company credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
Freedom Mortgage Company should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.

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 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
In XX/XX/XXXX, I was checking my balance on the MC card ( No. XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha ), and asking about any special offers. I was told be banks representative that one special offer entailed making a purchase over {$500.00}, which I could pay back without incurring interest within 12 months ( or, by XX/XX/XXXX ). With this information, I made a large purchase at the end of XX/XX/XXXX. I would not have made the purchase otherwise. 
First two statements after the purchase showed no interest. I called again in XX/XX/XXXXto confirm that the offer was indeed real and correct. I spoke with a male representative, who checked with the supervisor and confirmed my understanding of the offer ( i.e., no interest until XX/XX/XXXX). 
When the next statement came, however, it showed an interest charge of {$380.00} ( or, 18.24 % ).  This was unexpected. Fearing that an error was made, I called again, but this time I was told that there was no special offer! 
So after two phone calls telling me there was a special offer I suddenly got news that there was no offer. ( It should be noted that at the end of XX/XX/XXXX, there was change regarding XXXX MC initiated by the bank. ) I am repeating that I would not have made this purchase if not for the offer information I was given by a banks representative in XX/XX/XXXX. The bank recorded the phone calls, so they should have those available as proof.

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 monetary relief
Consumer complaint received 2019-07-07 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: OH

Complaint narrative:
I have with this company disputed this account over and over to be told that this account has been updated and validated and requirements are met! I am wondering how that is being truthful and that the account was vaildated when it is still reporting inaccurate information and violation of my rights keep being done and I am very sick of my credit being hindered over reporting inaccurate information when this is gassing my rights and it needs to be deleted RIGHT NOW. This is reporting information that isnt even the same on other credit files and also you do not even have a original creditor information LISTED so how is it possible this account was vaildated IT NEEDS TO BE DELETED NOW I have included screenshots of this account and you can see the information isnt the same across all boreds and listing wrongful information and I am sick of being told it is vaildated and violation of my rights keep happy. Al the dates are inaccurate of last payment or date closed or date open or account type or even who the Original creditor is you keep stating u vaildated this account but how if it is still reporting inconsistencies and this needs DELETE of this ACCOUNT NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: CL Holdings LLC
State: NM

Complaint narrative:
My credit reports with the three major credit bureaus contain accounts that should not be listed according to the wording and intent of 42 USC 407, which reads : 407. Assignment of benefits ( a ) In general The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 
( b ) Amendment of section No other provision of law, enacted before, on, or after April 20, 1983, may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section. 
( c ) Withholding of taxes Nothing in this section shall be construed to prohibit withholding taxes from any benefit under this subchapter, if such withholding is done pursuant to a request made in accordance with section 3402 ( p ) ( 1 ) of the Internal Revenue Code of 1986 by the person entitled to such benefit or such persons representative payee. 
( Aug. 14, 1935, ch. 531, title II, 207, 49 Stat. 624 ; Aug. 10, 1939, ch. 666, title II, 201, 53 Stat. 1362, 1372 ; Pub. L. 9821, title III, 335 ( a ), Apr. 20, 1983, 97 Stat. 130 ; Pub. L. 105277, div. J, title IV, 4005 ( a ), Oct. 21, 1998, 112 Stat. 2681911. ) None of my accounts pertains to section C, withholding of taxes. Therefore, everything derogatory about my credit that is reported by any agency other than various student loan lenders should be removed, as they are expressly not " assignable, at law or in equity '' and may not " be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' These creditors include : JEFFERSON CAPITAL SYSTEM FOR {$3900.00} XXXX XXXX FOR {$540.00} XXXX XXXX  FOR {$100.00}, {$88.00}, {$81.00} AND {$65.00} XXXX XXXX  FOR {$1000.00} XXXX XXXX XXXX FOR {$3100.00} XXXX/XXXX XXXX FOR {$1000.00} Also, ALL of my federal student loans have been dismissed by a XXXX and XXXX XXXX  ( XXXX ) waiver, bu several still show as actively unpaid, including one last reported XX/XX/2019 for {$3900.00} ; one last reported XX/XX/2019 for {$26000.00} and one last reported XX/XX/2019 for {$270.00}. The others correctly reflect the XX/XX/XXXX. 

Finally, one last reported by XXXX XXXX XXXX on XX/XX/2019 for {$5000.00} has been on appeal in various court 's since before it was first reported, the most current being the New Mexico Supreme Court, Case No. XX/XX/3569, which is in abeyance pending the decision of another appellant 's similar appeal. As my case has been and remains on appeal, this entry should be deleted entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I called in TDBank for support for disputing a charge. Call attendant said to called again at another time when charge gets posted officially, refusing to help to dispute charge or leave instructions to dispute later, requiring me to call again. 

On XX/XX/XXXX, called in twice, both call attendants refusing to help. On first called, the call attendant refused to help after 5 questions of authentication and refused to get me help, wasted 20 minutes. On second call after an hour of wait, attendant said the account is locked and refused to help on my charge dispute. 
There's no consumer protection at TDBank to help dispute erroneous charges. There's a setup to deter and discourage customer complaints. 

For three calls in total, a strange run-around setup and can't get anything done. 
Please provide heavy fines for this corrupt institution. Do not use TDBank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I borrow money from Amscott for 2 entire years and always pay back my loan on time and the cashiers dont want to give me the money I asked for. I asked for XXXX and she gave me XXXX and deleted the paper evidence and changed my pay rate on camera in my face. I have it on video. First she offered me XXXX then she offered me XXXX a day after I payed of a XXXX loan. And I proved I had 3 streams of income. Please have Management contact me again because he said every time they do this I have to have him contact me. The location is XXXX XXXX   XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07 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: AR

Complaint narrative:
I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to XXXX XXXX XXXX and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by XXXX XXXX XXXX because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once XXXX XXXX XXXX was contacted. 

Payment application errors : XXXX XXXX XXXX rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? XXXX XXXX XXXX should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
XXXX XXXX XXXX did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : XXXX XXXX XXXX XXXX #. 
XXXX XXXX XXXX credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
XXXX XXXX XXXX should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.

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 2019-07-07 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: AR

Complaint narrative:
I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to XXXX XXXX XXXX and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by XXXX XXXX XXXX because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once XXXX XXXX XXXX was contacted. 

Payment application errors : XXXX XXXX XXXX rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? XXXX XXXX XXXX should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
XXXX XXXX XXXX did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : XXXX XXXX XXXX Loan #. 
XXXX XXXX XXXX credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
XXXX XXXX Company should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: AR

Complaint narrative:
I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to XXXX XXXX XXXX and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by XXXX XXXX XXXX because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once XXXX XXXX XXXX was contacted. 

Payment application errors : XXXX XXXX XXXX rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? XXXX XXXX XXXX should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
XXXX XXXX XXXX did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : XXXX XXXX XXXX Loan #. 
XXXX XXXX XXXX credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
XXXX XXXX XXXX should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.

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 2019-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GreenSky, LLC
State: MO

Complaint narrative:
I had a procedure done last year at the XXXX XXXX, in XXXX XXXX, MO. I was approved with a line of credit thru Green Sky. They procedure didnt meet my expectations, nor really any customers at that. Less than 6 months later their doors are shut, closed out of business. This place is not legit.. I was told if I didnt like my results to come back, however they are now longer in business and I feel I should not need to pay for XXXX service. I have told the place of treatment this as well as Green Sky, I am disputing this collection. They are no longer in business for a reason of unsatisfied customers and complaints, which I am one. Please see you can help dispute and resolve this matter. Please take off my credit as it is hurting my score. I make the money but I refuse to pay for service that didnt work and when I tried to reach back they were out of business. Thank you in advance, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: GREAT LAKES
State: MI

Complaint narrative:
I am writing this due to non-compliance with the CRA XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. Company Name : US DEPT OF ED/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX Dates : XX/XX/2019. I sent dispute letter out disputing the inaccurate information and XXXX claimed it was accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc.
State: OH

Complaint narrative:
Contacted total Card after cfpb complaint Explain to them they didnt provide a wet signature, signed promissory or and legal signed documentation with validation for aaid debt. 

Instructed said collector to stop collection immediately until they can provide signed documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
I was reviewing my credit reports from the 3 CBs and found that I have a hard inquiry on my credit report from Continental Finance Company from XX/XX/19. I never requested credit from this company on or near this date. 

I called XXXX and spoke with the fraud department who told me that I need to call the creditor from the inquiry to obtain a letter before they can delete the inquiry even though I told them that this particular inquiry was fraudulent. 

I called the creditor at the number listed on the hard inquiry on my report on XX/XX/19 & XX/XX/19 and stated that I needed to speak to the fraud department because I never applied for credit with the company and my information was fraudulently used to try and obtain credit. 

Both representatives in the fraud department stated that they could not find an inquiry under my name or social security number. I need a letter from the company in order to get the hard inquiry off of my credit report. They said that they cant find this inquiry even though its clearly on my report. I have included a screenshot of the inquiry from my credit report. 

I have also placed fraud alerts on my credit reports with XXXX, XXXX and XXXX  so that creditors must call me to verify my identity prior to extending and offer of credit.

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