vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Although my credit report correctly reflects payments made on time for each month within my credit file, Experian continues to report a negative payment status and negative worst delinquency of 120 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by Experian are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
They make a daily or twice robocalls to my home number and they used different numbers to call, I'm sick and tired of receiving their calls, the company is called HHRG XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: CA

Complaint narrative:
Regarding CFPB dispute : XXXX TransUnion closed my dispute because " our records show there are currently no delinquent accounts being reported on your TransUnion credit report '' HOWEVER, I included an attached letter stating that I got denied credit due to a serious delinquency on my report.

They obviously did not read the letter I attached and I'd like to re-open the complaint.

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 2019-03-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Although my credit report correctly reflects payments made on time for each month within my credit file, Experian continues to report a negative payment status of account was 30 days past due two times and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by Experian are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that  Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
3 years ago, I bought auto insurance from the XXXX XXXX XXXX XXXX XXXX. I was a member for several years before that 2016. During that policy year, I added my 2 children to my insurance policy, the agent did provide a pricing which made sense for our family. However, after the enrollment XXXX XXXX XXXX  sent us the monthly bill and the payment amount was roughly {$1800.00} per month for 4 of us. That was outrageous in any type of coverage. I immediately contacted my XXXX agent and XXXX  billing to resolve the pricing discrepancy. XXXX  did not provide any solutions to our payment. We did made payment arrangement to keep the coverage while shopping for new carriers or separating our children from our policy to lower the cost. After we have found another carrier, we immediately contacted XXXX   and my agent to cancel the policy so XXXX won't charge us for the 2nd month.

The past 4 months, after reviewing my credit report. I found that XXXX did place both my wife and I on collection for the amount of {$4500.00}. Then XXXX had sold that account XXXX XXXX XXXX in Southern California. I immediately took action by sending in letters to the major credit bureaus and XXXX to dispute the reporting on our credit report history. However, the credit bureaus and XXXX   did not take action to verify our concerns regarding this account. Their action had cause family worries and so many confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: GA

Complaint narrative:
On several occasions starting in XX/XX/2018, after settling accounts with several companies, I requested thru certified mailing via U.S. Postal Service that Exquifax, XX/XX/XXXX, and XX/XX/XXXXdelete negative or derogatory remarks and account status on these specific accounts because per Federal codes Sec. 609 ( a ) ( 1 ) ( A ) ; Sec. 611 ( a ) ( 1 ) ( A ) ; and Sec. 611 ( 50 ( A ) " ... promptly DELETE ALL information which can not be verified ''. Several requests for XXXX XXXX XXXX, XXXXXX/XX/XXXX, XXXX XXXX XXXX, and XXXX to validate and/or verify its alleged debt against claimant, which ALL companies failed to do so. Thus, since they have ALL been properly and legally compensated for any debts alleged against claimant on more than one occasion, ALL derogatory and/or negative remarks or statuses regarding previous accounts with claimant MUST per federal law be deleted immediately by ALL credit reporting agencies. Exquifax, XX/XX/XXXX, and XX/XX/XXXX refuse to delete the negative remarks and account statuses which are hurting the claimant and preventing him from the pursuit of peace, happiness, and stablility for him and his family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a XXXX card. I already had a balance on the card in XXXX of {$80.00}. I bought a sofa for {$1100.00} that had a 12 months no interest. The billing for that purchase did not start until XXXX, but I had made a payment in XXXX for {$85.00}. I had called and on XX/XX/XXXX for that payment to be applied to the promotional amount not regular purchase amount. They said they would take care of that for me. I made another payment in XXXX and XXXX and asked for those to be applied to the promotional balance. They said they would gladly take car if that. I got my XXXX statement and it showed that I have a XXXX balance on my regular purchase balance and called and asked why they did not do what I had asked them to do and they said that the regular balance was paid off in XXXX and my requests werent able to be processed. Since my purchase was made on XX/XX/XXXX they couldnt bill me for it until XXXX so the promotional couldnt be paid for until it was billed so thats why they couldnt accommodate me. That means I also only have 11 months to pay off the promotional deal instead of 12 because it is considered from the time of purchase. I asked them then why wasnt my payment in XXXX put towards my promotional balance they said it wasnt billed until then and they are unable to change the payments now. So now in order to have the promotional paid off by XX/XX/XXXX I have to add an additional {$30.00} a month because I only have 11 months total to pay it off to begin with and one month was put towards my regular balance instead of where I asked it to be put.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Our mortgage company refuses to drop our PMI, even though our " Automatic termination date '' has come and gone on XX/XX/XXXX. After we sent verbal and formal written requests for it to get removed, we received a letter asking us to either pay down the principal by over {$36000.00} or pay them directly for a new appraisal. We have always been current with our payment, and our property has experienced significant appreciation in value since we bought it in XXXX. 

The Automatic Termination Date has the following conditions, all of which we fully satisfy : - submit a formal request - be current on payments - certify that the property has not DECLINED below the original value and there are no additional liens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
i was able to check and print two of the three on annual credit report but wasn't able to see the one from Equifax. i requested by phone more than three months ago now on XX/XX/XXXX. and didn't receive it in their said time of arrival. i requested it again on XX/XX/XXXX. I have not received that one as well. it is XX/XX/XXXX. i need this in order to start a job and it is currently being delayed due to not receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian reported a XXXX XXXX  acoount in collections ( my name ) but I have never had XXXX. I learned that Experian has various incorrect addresses and spellings of my last name however Experian does not allow that misinformation to be flagged on line. Instead it provides XXXX but that number does *not* lead to any person. Instead its voice prompts all redirect back to the web site or offer to sell monitoring. So exactly how can consumers clear up problems when the directions to fix are all fake? More importantly, what is CFPB doing in near real time to protect consumers in such an easy-to-police situation? Clearly Experian is not interested in cleaning up bad information, otherwise they would provide a phone number that leads to a real person. Furthermore, Experian has all kinds of phone numbers that XXXX reveals however are they really Experian or clever scams to get ss numbers from frustrated consumers trying to get through to Experian? Furthermore when calling the 'real ' Experian number on my cell which is listed in my credit score, they state they attempt to vett calls but then " please say your ss number '' so are they vetting, or merely creating a way for fraudsters to copy this automated screening and get ss numbers? Self serving and no oversight seem to be rampant in financial service and CFPB seems deaf, or impotent, to it all.

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 2019-03-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX and XXXX of 2017, XXXX made 2 hard inquiries on my credit report that I did not authorize. I have never been interested in their services, so I am completely certain they are unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Can not refinance due to previous bankruptcy information. Also because of the poor credit score due to this and other factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
3 accounts was opened in XX/XX/2016 while I ; d been outside of country. Please find attached my Identity Theft report with the police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I cosigned for a truck loan that I believed was for one year with Carmax. 
I was contacted by Carmax when the loan went into arrears in late XXXX. When I had explained to them that my contract was for one year, they informed me that I was liable for the entire duration of the loan. 
The languge at the time of the signing was vague and misleading. 
In order for my name to be removed from the loan after one year the loan would have to be refinanced. 
Carmax does not refianance any of their loans. 
I acted on good faith with what I was being told at the time of the signing, making it clear that I only comfortable with a one year contract. 
The representative was vague and ambiguous with reguards to my questions and understanding. 
In XXXX of XXXX the loan was charged off by XXXX owing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Although my credit report correctly reflects payments made on time for each month within my credit file, Equifax continues to report a negative payment status and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Equifax has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by Equifax are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had left to XXXX to live there since XX/XX/2015 and as I came back I've noticed that someone used my information and had opened fraudgelent account. 
Wellsfargo 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 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I was laid off from my job and called Ditech and told them I was struggling to make my payments because I was unemployed. I talked to quite a few people and no one offered any help at that time. 

In early XX/XX/XXXX I applied for a modification now that I am back on my feet and Ditech denied me saying I was not eligible because I can not be more than 6 months behind ( If they offered help in XX/XX/XXXX I may not be ) and because the amount after modification would be to much. All they offered me is a short sale and I want to stay in my house, I don't want to have to move my young kids. 

I want Ditech to help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I've been trying to obtain my credit scores and reports through credit karma but i have had no success. I have submitted all proper identification they require and still no success. I have uploaded it into their system as well as mailed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a money market in XX/XX/XXXX and funded {$20000.00} into the account. I did not notice that they ordered checks for my money market account ( savings account ) and I took {$5000.00} from it as I thought it's from my checking account for 5 days and I re-deposited {$5000.00} into the account. As of now, I have maintained {$20000.00} balance in the account for almost 120 days and the bank refused to honor the {$200.00} bonus because the balance was less than {$20000.00} for the interim 5 days. According to their advertisement, I only need to keep {$20000.00} for at least 90 days following the account opening which I would be qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank account was opened under my name while I'd been out of country in XX/XX/2016, Please find attached my Identity Theft report with the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi - We have opened and maintained with Citibank 's checking, saving, and credit card accounts for more than 10 years. Suddenly, the Bank closed our checking and saving accounts in XX/XX/2018. We've tried to contact Citibank so many times to find out the reasons why they closed our accounts. After multiple phone calls, we've exhausted our options to obtain the answer from the bank. So we kind of giving up our request. 

In XX/XX/2018, Citibank also closed our credit cards accounts. We again tried to contact Citibank so many times to find out the reason why the bank also closed our credit card accounts and the bank would not give us any answers. At this point we were so exhausted and stressed with the situations. At that time we have earned so much points for a cash rebate of approximately {$1500.00} for 2018 purchases and we asked about our cash rebate. We were told by Citibank that we will not receive the cash rebate. 

We are struggling with the bank two main issues : 1 ) trouble to obtain an answer from Citibank why they close all of our accounts 2 ) why they are not sending us our cash rebate check of approximately XXXX XXXX. 

We feel that we are being robbed by Citibank because we've earned so much cash rebates from the promotions they offered us 1 %, 2 %, and 3 %. 

Please help us how to approach to Citibank to get an answer and to receive a cash rebate check from them. They are a big corporation and they know the system so well how to get around us. 

Our contact number is XXXX ( mobile ). 

Thank you, XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation