vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst! 

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a 2 bedroom 2 bath 2 car garage on the 18th hole and don't plan to sell, however reducing my credit score to XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.

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 2021-03-14 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:
All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX, a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst!

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a 2 bedroom 2 bath 2 car garage on the 18th hole and don't plan to sell, however reducing my credit score to XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing in about the credit bureau Experian. I have written in to the Agency on multiple occasions to have OLD personal information ( previous addresses and names that does not apply to me that is no longer associated or does not apply to me to be removed from my report. I have already submitted the current info that applies to me that need to appear on my credit file, but despite multiple request to correct it they continue to send update reports with the same information. As I have researched previously that only one name one address one employers should be listed on a report unless otherwise requested by the consumer. Please if you would investigate this matter and please have Experian to correct this matter as it is seriously and negatively impacting my credit profile and causing me to not be able get my credit corrected and cleared of negative items, therefore impacting my chances of obtaining the needed opportunity to obtain credit from vendors/ credit lenders and causing thousands of dollars in interest each year. Please help Your Regards 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 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX TransUnion, XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX of XXXX my credit union, XXXXXXXX XXXX XXXXXXXX XXXX, mailed out checks to GM Financial to pay off a loan for a XXXX XXXX XXXX XXXX that I was purchasing from someone that had a loan through them. The previous owner said he didnt have the title for the car and that GM Financial had the title until the car was paid off. My credit union and I have tried multiple times to get ahold of GM Financial to get the title and pay off sent to us and still have not been able to reach them or hear anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: CA

Complaint narrative:
Equifax continual to reporting Metro 2 violation under K1 for Original Creditor Name.

Metro. 2 Guideline state a collection company must report the original creditor name when reporting a collection account. As a Consumer, it is my right to know who the debt is coming from. XXXX has 4 accounts in violation. Midland has 1 account. None of these accounts are reporting the original Creditor Name. I have disputed this even sent in the regulation to show how metro 2 should be reporting On credit reports. I have attached the Name & account # of these violations. 

1. XXXX Account XXXX 2. XXXX Account XXXX 3. XXXX XXXX  Account # XXXX 4. XXXX Account # XXXX 5. XXXX Account # XXXX All these accounts are in violation of Metro 2 guidelines. I have disputed this violation with the credit bureau Equifax. Equifax reply with verified and accurate. 

I have attached these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: PA

Complaint narrative:
I have filed a dispute and it has been 30 days and I have not received any news back I have a medical collection on my account from a car accident which creditors know can not be on my credit report it violates me right and hippa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA

Complaint narrative:
My mortgage servicer has missed my school property tax payment. 

- Due in the amount of {$2700.00} on XX/XX/XXXX. 
- The payment was not made. 
- Called customer service XXXX, XXXX to remind them that payment was now due on XX/XX/XXXX in the amount of {$2800.00} - Emailed property tax bill and details on XX/XX/XXXX to customer service and followed up with a phone reminding them payment was due on XX/XX/XXXX. 
- XX/XX/XXXX - XXXX XXXX to confirm payment was made. No payment was on file. 
- Emailed customer service on XXXX, XXXX to inform them that payment was not made timely and was now delinquent. 
- Called customer service on XX/XX/XXXX to follow up on whether payment would be made timely. Resent updated tax bill with penalties. 
- XXXX, XXXX - XXXX XXXX. No payment was made by service for school tax. 
- XX/XX/XXXX, received letter from collections lawyers saying payment was now in collections. 
- XXXX, XXXX - emailed collections letter to Mortgage service and spoke to customer service 5 times in the month of XXXX. 
- XXXX, XXXX, XXXX - no payment made by the deadline for debt collector and no communication from the mortgage servicing company. Payment remains outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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 spoke to the credit bureau and was told that the items would be removed from my report and that I needed to send them my ID, Social, and police report. I provided the items to the credit bureau and they were not removed. I have sent in this to the credit bureau and loaded it here.

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 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Sent a letter to Synchrony Bank XXXX XXXX XXXX  XXXX letting them know that XXXX XXXX is XXXX years old, unable to walk or travel due to failing health. She suffers from a XXXX XXXX and XXXX with XXXX XXXX in the right hand. In 2020, XXXX XXXX XXXX XXXX XXXX due to a fall. XXXX XXXX is only receiving social security and she is unable to pay any debt. This letter was ignored and no one responded to her/our letter. I am XXXX XXXX, her niece and I assist her with any correspondence. I can be reached at XXXX. 

Thank you.

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 2021-03-14 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: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I recently have been checking my credit report because I want to buy a home soon, and I have seen that there is an account that has been opened for Acima. Apparently some thing was purchased XX/XX/2019 for several furniture items that I never had purchased. It was purchased from a store called stop and shop, I have never been to that store, up until this past week to see if they could give me any information. They can not provide me with said information so I called the company and I was told to report it. Hopefully this can get resolved so the account can get removed from my credit for something that I did not purchase. My identity was stolen and somehow someone purchased all these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: FL

Complaint narrative:
I spoke to the credit bureau and was told that the items would be removed from my report and that I needed to send them my ID, Social, and police report. I provided the items to the credit bureau and they were not removed. I have sent in this to the credit bureau and loaded it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After more than two letters to only use my updated information, the credit bureaus have refused to delete the personal information that doesn't belong to me. 
My only name is : XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, Florida XXXX My only phone number is : ( XXXX ) XXXX My only employment is : XXXX XXXX Medical Centers, XXXX XXXX XXXX XXXX, FL XXXX I am afraid of someone attempting to steal my identity from using the information that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: OH

Complaint narrative:
There was 12 purchases made to my Netspend debit card that I did not make or authorize. All the purchases were made on XX/XX/XXXX at places located in XXXX Ohio. All of these charges were made in succession, and for around {$500.00} each. Total amount was {$4700.00}. Purchases were made until my account was empty. I live in XXXX Ohio. I don't travel. I have never given anyone permission to use my card. I believe my card was copied then used to steal my money. I had just taken out a loan to buy a vehicle when this happen to me. I was at the dealership on XX/XX/XXXX when I found out my account was empty. I called Netspend immediately and told them about the illegal transactions. I did exactly what they said to do, I filed a dispute. It took 10 business days to find out that they denied my dispute! They said that no errors were made! They said their decision was final and the dispute was considered closed. I talked to customer service and told them I wanted to appeal their decision, but they said I couldn't do that until I got the decision in the mail and had to first ask for a copy of their investigation report. I requested the report right then. I still have not received any report. 
On XX/XX/XXXX, I found out they closed my account without notifying me! This caused severe financial hardship. I just lost XXXX, all my money on XX/XX/XXXX and had no money until my XXXX check was deposited on XX/XX/XXXX. Then they closed my account and I was with no money again! This cause so much hardship. I'm XXXX and so is my XXXX yr old daughter. I had to wait XXXX business days to get the check in the mail. Then I had to open a new bank account to get my XXXX checks deposited into. I went to a lawyer for help. But I'm also filing complaints where ever I can because they have uprooted my whole life. They shouldn't be able to do this to people. I have to pay a 5 year loan for those funds that were stolen. Please help.

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 2021-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
hello I called khols and they had me pay a debt that wasnt mines i paid the bill its still reporting on my credit i called XXXX XXXX XXXX they said no record and they would call me back but never I asked why is this reporting on my credit report. I need these removed from my credit. Its illegal to be reporting incorrect information. They said they couldnt give me proof and was very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have my payments to Lowe 's Synchrony Bank set up through my bank to transmit payments to the company every two weeks on my payday so that when I get paid, I am immediately able to make my payments. I do this also to reduce the interest owed on debts which are calculated daily. 

Payments and fees from my statements attached : XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - Was assessed a Late Fee of {$28.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - Was assessed a Late Fee of {$39.00} I was just paid on Friday, XX/XX/2021 and a payment of {$80.00} will post to the account as of yesterday although it is currently showing delinquent and a late fee assessed. 

On Saturday, XX/XX/2021 I called the number listed on my card and the number on their website. The only options I could access were to use an automated system to make a payment or hear my balance. I could not speak to a representative. I tried to use the chat function on their website but was told that I needed to log in. This is a defect in their web service because I was already logged in as you can see from the pdf files attached, I was logged in to my Lowe 's credit account as I would have to be in order to access these. 

These actions amount to establishing roadblocks for consumers to prevent the fair assessment of an error on their part, which may actually be nefarious and not in good faith. Considering that I have shown extensive consistent payment history, I would infer that Lowe 's Synchrony bank seeks to extract additional monies from its customers through predatory lending practices by assessing late fees outside of a measly 10-day payment period and eliminating confrontation as shown by imitating incompetence through its website and restricting consumer access.

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 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently have been checking my credit report because I want to buy a home soon, and I have seen that there is an account that has been opened for XXXX. Apparently some thing was purchased XX/XX/2019 for several furniture items that I never had purchased. It was purchased from a store called stop and shop, I have never been to that store, up until this past week to see if they could give me any information. They can not provide me with said information so I called the company and I was told to report it. Hopefully this can get resolved so the account can get removed from my credit for something that I did not purchase. My identity was stolen and somehow someone purchased all these things.

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: NE

Complaint narrative:
this usbank XXXX, this is the second time in 6 months they have disabled and locked me out of my online banking where i can not pay bills or see my accounts or withdrawal money or pay credit cards. i sign in and it disabled all my business and personal accounts so i cant see none of accounts or credit cards or loans to get in to pay bills either. im XXXX off this keeps happening. i called and the fraud dept XXXX says im locked out for 72 hours. i told them since this keeps happening probably thinking about banking with someone else not banking with them anymore cause its stressful that i cant get in to do anything with my accounts at all. there is no reason they should keep locking me out like this. i called the fraud dept and i told them im unhappy with your usbank business locking me out every 6 mths like this will go bank somewhere else with my buisness and personal account if you keep doing this to me. and im at that point now of going somewhere else if they dont get me in today and wont help me to sign in.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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