vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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: CA

Complaint narrative:
XXXX  XXXX XXXX that reports on my credit report is reporting an Incomplete Account Number of XXXX This Inaccuracy was recently disputed for the first time for this specific reason and mailed out on XXXX XXXX and Delivered XXXX XX/XX/2020. USPS Tracking # XXXX. Therefore the dispute summary dates below are FALSE quoted from EXPERIAN 's response of XXXX___ >>They had responded and " verified '' that the disputed information was accurate as reported. The dispute result summary was sent to you on >>XX/XX/2020, XX/XX/2020 and XX/XX/XXXX, XXXX<<To help protect against fraud, we do not display complete account numbers. For the same reason, many credit grantors do not report your exact account number on the personal credit report<<___Therefore both parties are in Violation of the Fair Credit Reporting Act section 609 by not reporting 100 % accurate information as legally required per the FCRA.I request this account to be removed from my report for FCRA Violations .

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 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
XX/XX/2020, I recieved a call from XXXX XXXX of a debt, at the beginning of the conversation it was a foreign person, who also asked for my social security number. I hung up. They can not ask for that. XX/XX/XXXX shows up on my credit report, disputed, removed XX/XX/XXXX. Sequium gets this and also reports they have had this since XX/XX/XXXX. I contacted XXXX recieved a statement from both. I never recieved anything. I want this off my report. The collections name also changed a few times. I've had 4 diff companies on my report. I will attach the two letters from XXXX   one stating XXXX had it in XXXX and then removed from my report. The other is letter from XXXX sequim stating they have also had it since XXXX. 

Plus two other companies that claim to have it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: CA

Complaint narrative:
I was a victim of identity fraud. I filed a police report and was told all bureaus would remove the trade-line. As of today only XXXX XXXX has removed the account. I am in the middle of buying a home and this will effect my loan amount and the rate! 
CREDITOR - ALERT! XXXX XXXX XXXX OF XXXX DATE OPENED XXXX LAST DT REPORTED XXXX ACCOUNT TYPE Installment ECOA  Indv. 
HIGH CREDIT XXXX BALANCE XXXX PAST DUE AMOUNT XXXX CURRENT RATING 9 DATE LAST ACTIVE XXXX PAY PATTERN 999999999999999999 9999999 PAY PATTERN START DATE XXXX ADVERSE DATES XXXX XXXX XXXX XXXX XXXX SOURCE XPN EFX MONTHLY PAYMENT TERMS 72 MONTHLY MONTHS REVIEWED XXXX XXXX LOAN TYPE : Automobile HIT   LEVEL : B-XPN-01 B-EFX-01 COMMENTS : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE ; LAST REPORTED DELINQUENCIES : XXXX ; DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/2018 ; FIXED RATE ; CHARGED OFF ACCOUNT ; UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ; TRANSFERRED TO XXXX  ; ADVERSE DATES LEGEND : R=MOST RECENT H=HIGHEST P=PRIOR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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:
Transunion continues to allow XXXX XXXX XXXX to report inaccurateinformation to my credit file. 

XXXX is reporting a late payment for XXXX & XX/XX/XXXX. Payments were made on the XXXX of the month both of those months. The payment due date on this account was the XXXXof each month. There are previous payments made on the XXXX of the month during the year of XXXX that were not reported as derogatory. 
When I log intomy XXXX  account right now it shows a huge inaccurate amountis currently owed on the account. When I log into the account XXXX shows that I owe a balance of {$1300.00}. This just goes to show how glitched and inaccurate the system holding my information is. 
This account was closed and paid in full on XXXX by my insurancecompany after being deemed a total loss. This account should be reporting closed and paid as of XX/XX/XXXX. 

To be clear there were no late payments in XX/XX/XXXX XX/XX/XXXX or anything reported after XX/XX/XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
I have attached documents to prove that XXXX has inconsistent information on my account and IT IS inaccurate. This is not in accordance with the FCRA. It is your obligation as a credit bureau to correct this inaccuracy.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been request couple of times to remove unverified accounts from closed my account of my credit report with XXXX. Please consider these matters and the account information that needs to be deleted immediately upon your investigation as soon as possible. 
The List of Urgent Disputing Item is as follow ( in the order of listed on my credit file with XXXX, XXXX XXXX, XXXX  ) Please remove the following item as soon as possible entirely. 
JPMCB CARD -Account # XXXX Opened XX/XX/2018 With Credit Limit of {$40000.00} - This is not my closed account on my credit file.Please remove this information from my credit report that you maintain under my social security number and according to section 605B of the Fair Credit Report act, send the required notifications to all parties involved for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Regional Management Corporation
State: SC

Complaint narrative:
Regional Management Corp sold my charged off account to a collection company called XXXX XXXX XXXX. I have settled this account with XXXX XXXX XXXX and they have since removed it off my credit report. 

Regional Management Corp is still reporting on my credit report AND is still showing a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I voluntarily surrendered my vehicle on XX/XX/2020 after being out of work since the pandemic on XX/XX/2020. I was provided misinformation on how to surrender the vehicle, then they didn't pic it up when they said they would after i volunteered to drop it off because I didn't want to be charged for it. Their rep XXXX XXXX told me I would not be charged for that they pay for it. It is attached to the fees on this letter i will update. I lodged a complaint with their corporate office I received 1 call no follow up. I am disputing all these fees especially when I am still not working and feel like I am being treated unfairly in a situation like we are currently in. I have filed numerous complaints against the company and they go unresolved. Also the letter in question says I will accrue interest until the date of the letter which I don't understand that when the vehicle has been in their possession since XX/XX/2020 but the surrender notice was signed on XX/XX/2020. I am being taken advantage of and it is not fair to me. You wrote off the account per my credit as closed charge off/ bad debt after adding a bogus late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: ERC
State: CA

Complaint narrative:
Previously contacted Enhanced Recovery Collection on XX/XX/2020 with a letter of validation of debt as stated on the FTC website. The amount of 30 days has passed and I did not receive any form of communication on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Texas Guaranteed
State: FL

Complaint narrative:
I would like to report a student loan collection agency is not reporting on my credit report correctly. The agency name is TG Trellis. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Per the cares act they aren't suppose to report deliquency on non payment student loans. From XXXX XX/XX/XXXX. How ever they still are reporting. Even Though I contacted them by e-mail. They still refuse to correct this on credit report. 

The second mistake they are reporting is they delete my balance and then re-add it every month so it appears to look like a new account which does more damage to the score. Do the decrease balance of {$3200.00} and then add balance right back on. Likes like new deliquency.I ask then to correct and also reported to credit bureaus and corrections are not made. I would like an investigation in this matter please. My name is. 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 2020-07-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
on XX/XX/, i applyed for a XXXX XXXX credit card to pay for my transmission, i was aproved. Equifax, XXXX, XXXX, doct me 62 points. 
i have no other credit cards. 
XXXX, the credit card sent me my first payment, the credit ajency, doct me 90points!!!!!!!!. i was already penalized for the card already. 
i have paid on time, all personal banks loans on time. i have one payment left on a loan in XXXX. i have not over exstendted my credit and have a 3 year clean excellent payment record. i am tired of them messing with my credit and my person. XXXX the credit brueu, doct me 43 points for a hard pull from XXXX. the person who did this, did the pull without my permission. 
i sent names dates, and proof. certfied receipt, filed a dispute, they never answered my dipute, nore salved the problem. its been on my credit. its supose to come off XXXX, i have indured there ilegal non regulated actions aginst me long ENOUGH i want them to stop hurting my credit efforts and hard work. they have unfairly removed un reasonable points from me, and twice for the same thing. 
THIS IS A FORMAL COMPLAINT, AND I WANT THEM HELD ACCOUNTABLE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Hello, We attempted to close on a new home using Pentagon Federal. They missed two closing dates by not sending our  information to underwriting, and then failing to send closing documents to the closing attorneys/title company on time. This forced us into renting ( early occupancy ) for a week ( in addition to hotel costs prior to this point. ) Given it was Pentagon Federal 's  mistake for the repetedly late closing, they negotiated to pay the prior owner directly for the early occupancy fees ( total of {$800.00} ). All parties agreed to this direct payment to the prior owner. On the closing date they did not pay the owner, but rather applied a discount in the closing costs without explaining this to anyone and not disclosing the reason for the discount. This hid the transaction and changes my taxes at the end of the year without my approval. After two weeks of not responding, the loan originator responded with these comments, " I have confirmed that due to compliance reasons the credit had to be disclosed on the closing disclosure. This {$800.00} credit was deducted from the amount you paid due at closing. I know this was not how you preferred this credit however, for tracking reasons with regulators, this had to be credited this way. '' It read as if they were attempting to hide the action from mortgage regulating authorities. 

Finally, PenFed then issued a letter attempting to force different home insurance for our property, by claiming our current home insurance failed to meet required minimums for PenFed mortgage servicing. When I called the " Insurance Service Center '' on XXXX, the Service Center acknowledged that the information in the letter was false, our current insurance was more than adequate, and PenFed maintained a policy to send these letters to all their new mortgage holders with the false information. It appears to be an effort to force action on false pretenses. This could have cost significant money had I acted on their claims without verifying with my insurance carrier and their Service Center.

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 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: MN

Complaint narrative:
I disputed fraud charges on my account with Regions Bank XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$62.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX # XXXX XXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$41.00} XX/XX/XXXX XXXX XXXX XXXX {$90.00} XX/XX/XXXX XXXX XXXX # XXXX XXXX {$27.00} XX/XX/XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX   XXXX  XXXX {$26.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXX XXXX # XXXX XXXX {$1400.00} I disputed some charges as well XX/XX/XXXX XXXXL XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$30.00} They did not investigate or contact the merchants rather they sent me a letter stating that the transactions passed their automated system fraud thing and therefore there would be no credit on my account

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 2020-07-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX sold my charged off account to a collection company called XXXX XXXX XXXX. I have settled this account with XXXX XXXX XXXX and they have since removed it off my credit report. 

XXXX XXXX XXXX is still reporting on my credit report AND is still showing a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Consumer Financial Protection Bureau Complaint # XXXX Macys account ending in XXXX Dear : Mrs. XXXX, It appears that the Department Stores National Bank ( DSNB ) may need to reassess their decision to have asked you to review and  respond on their behalf. 

Based on your response to this complaint, it appears that you are not capable of handling this complaint and is deeply concerning. 

In response to your response to my complaint you stated, " Our research determined that you were attempting to download the statement prior to the statement closing date, which means the statement was not yet available. '' Mrs. XXXX, this claim is not true! 

Attached is screen shot of the date XX/XX/XXXX that shows that the system does not allow you to download the statement in PDF, and only allow you to download the spreadsheet option. Having to wait 6 days after the statement closing due date is unacceptable. 

Secondly, in your next quoted statement where you say, " We found no correspondence sent to you which provided you with the information an {$11.00} minimum payment was due. '' For you to say, " If you can provide additional information to the above address we would be happy to research this further. 
And not even look at the complaint shows that you have no respect for customers sincere concerns and honestly is quite embarrassing. 

Actually it doesn't take any research at all, all you have to do is look at the attachments to the complaint. The evidence clearly shows that information was sent to me by email from Macys showing a balance do was {$11.00}.

Can you please explain Why are you asking me to provide additional information to your address to research this further and Why are you apologizing for difficulty, l experienced with viewing my statement online when that information is attached and available right now in the CFPB complaint and not even thoroughly look at my response? 

I would request that you relinquish yourself from addressing this complaint because you obviously don't take this complaint seriously. 

Sincerely, XXXX XXXX XXXX cc : -CFPB -Main Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX -Macy 's 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 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC does not work with XXXX This is preventing me from easily connecting to XXXX and XXXX. Its really XXXX  me over here. Worry about customers rather than your own pockets. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
I submitted loan application docs Primary Residential Mortgage, Inc.NMLS # XXXX, and NMLS # XXXX. 

After looking over the docs and paystubs we were told our loan would be approved and we were told to pay for our appraisal {$580.00} asap, as the closing date was soon, we advised our loan officer NMLS # XXXX, that my husband is working full time hours currently and will be full time soon. On the paychecks that were submitted it clearly says my husband is seasonal employee and not yet full time. This was pointed out by the loan officer and he said it was fine to more forward. We then paid for appraisal and earnest money, 2 days before closing the loan officer got back with us and said, that the loan guidelines were changed by the FHA govt, and that he needed my husband to be full time or the loan wont get approved, he said he can do a no doc loan if we came up with a fake company to get him approved, we did not do this, and said there is nothing we can do, you told us we will be approved and its 2 days before closing, he then admitted multiple times that this was his fault., and he should have caught this long time ago, without costing us time and money in pre moving costs and appraisal cost etc. He then told us that the apprisal cost will be refunded do to this being their fault, he also said this to my realtor agent as well. 

Now he is emailing us saying he cant refund it, due to time invested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
America First Credit Union stated I opened two accounts with them. A loan and credit card. I had not. I asked them to send me original documents with my wet ink signature proving that I opened these accounts and gave authorization to pull my credit and I have not received them. I have requested six times for this information. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Moving to pay off debt from apartments I lived in and had already paid half of the amount. The apartments told the debt collector to put my account on hold due to this. Now, I have fully paid off the amount of debt to the apartments and they said I was good to go. Today I get a call from the debt collector threatening to damage my credit because I didn't pay them correctly and now they are threatening to keep my private information and charge the amount on my card.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief