vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You First Round Dispute XXXX XXXX Experian 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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion and XXXX are fraudulent on my account XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # 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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  and Experian are fraudulent on my account XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # 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 2020-09-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/2020 Synchronic bank close more than 9 open account in good standing, no missing payment, and less than 15 % of utilization, My credit score is around XXXX, Fico XXXX, 100 % of excelent payment history for more that 11 year. 
Very desapointed, now I have negative impact for that reason. 
My name is XXXX XXXX I though that bank is solid, but I was wrong. 
Thank you for the opportunity My email is 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 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a CitiGold checking account with a promotional offer according to which I was supposed to receive XXXX XXXX XXXX   miles. I completed the requirements of the offer by the first week of XXXX and confirmed it with the bank. I was informed that within 90 days of fulfilling the requirements I would receive the bonus. 

When I checked with the bank after the 90 days I was informed the bonus would be credited within soon, which later became around third week of XXXX, which became the XXXX of XXXX. 

Finally when I again reached out to the bank on the XXXX of XXXX, I was told that there isnt a date that can be provided but theyll open an internal investigation. 

I have had 5 different conversations about it over a month and just keep getting different answers. 

Seems like the bank is just fooling with me. I have had to spend a significant amount of time communicating with the bank and would ideally like to be compensated for that too.

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive attempted to have these items removed I sent letters to all companies and the credit bureaus and information isnt mines and its still on my 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
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-09-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RMS-Recovery Management Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a certified Dispute letter to RMS RECOVERY MANAGEMENT. It has been more than 30 days and I have yet to get a response from this collection company. I was under the impression that collection agencies had to respond within a certain amount of time or the debt would have to be removed.

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 2020-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I was quoted {$4400.00} to included points and closing costs To refinance my mortgage at 2.25 % for a 15 yr mtg. by Amerisave ( my current mortgage company ). When I ask for a detailed description of what these costs included, I was emailed by the broker XXXX XXXX, refinance documents and the price had jumped to {$5600.00}. He continues to avoid my calls, and I can not get anyone else to return my calls, or reply to my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: IN

Complaint narrative:
This is most certainly a repeat of the last many complaints. This concerning complaint number XXXX. Yes TransUnion has responded. No, TransUnion has never addressed my complaint. TransUnion has stated many times I need to take my complaint to XXXX. I have stated many times that is who I went to first. I have also gone back to XXXX XXXX  several times. XXXX XXXX   has sent me documents backing up their position they never submitted a form stating I was late. 

TransUnion has been asked many times to produce the document they claim to have from XXXX XXXX  stating I was late. TransUnion has yet to produce it. 

They have suggested I call TransUnion. I have, probably over 1-1/2 dozen times. They have always told me they cant find the document I requested. When I ask why TransUnion published I was late, they say  they got a document from XXXX XXXX. When I ask for a copy, they say they never got. So then I ask why they published I was late, they say they got a document from XXXX XXXX. I ask for a copy and they say they never got it. You get the picture. 

Again I will state the obvious, just because they responded, doesnt mean they actually addressed the problem. They never addressed my question.

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-09-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
I keep getting harassed by a debt collector named Collecto , Inc . They do business as EOS CCA. After I kept getting calls from them, I sent a certified letter to them just like the FTC and CFPB advise consumers to do. In my letter, I told them I disputed the debt, and I told them, " Please don't call me. '' I also told them that they had the wrong number. They still called me. So I sent another letter. They still called me. So I sent another letter. They still called me. So I sent another letter. They still called me. So I sued them. They removed the case to federal court and then ... .wait for it ... .they still called me. So I sued them again. They still called me. So I sued them again. They still called me. 

When they call me, they are using an automated telephone dialing system. I know this because they call me and then hang up on me.

They have already admitted in federal court that I don't have an account with them or owe them money, but the harassment continues.

Collecto is now DELIBERATELY calling me and hanging up because they want to retaliate against me for suing them. 

This is ridiculous and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator Credit Acceptance and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid XXXX XXXX paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my 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 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MO

Complaint narrative:
XXXX  XXXX complaints : I.C Systems a medical XXXX XXXX XXXX issue of {$280.00} on XX/XX/XXXX which proves XXXX  would allow any compliant from any source. also XXXX XXXX XXXX debt of {$160.00} Secondly, XXXX 's XXXX keeps coming up as a credit card but it is not a plastic card XXXX  it does not have ( VISA ) emblem on it. XXXX is not a credit card XXXX XXXX  XXXX, XXXX/XXXX/2020

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 2020-09-05 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: NY

Complaint narrative:
XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator XXXX XXXX and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid Nys gap paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: NY

Complaint narrative:
XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator XXXX XXXX and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid Nys gap paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my 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 2020-09-05 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: TX

Complaint narrative:
Account was paid ( settled ) in full on XX/XX/26! Company is showing reduced balance but not that the account has been paid and settled

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 2020-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
wells fargo finally sent a letter and they understand my truck was repossessed and sent a check for XXXX that is no where near my damages, this cost me my truck that was a little over a year from paid for. I live on a XXXX income as they know and the cpi added to the truck made it unafordable and I simply was told by wells fargo I had to have the cpi they never asked about my insurance which they agree I had the same policy the whole time and yes full coverage. I need a check for at the very least XXXX that is not even all my losses, that would be more fair for wells Fargo than I but at least I could get some type of a picklup.

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive attempted to have these items removed I sent letters to all companies and the credit bureaus and information isnt mines and its still on my 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
Consumer complaint received 2020-09-05 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: FL

Complaint narrative:
Ive attempted to have these items removed I sent letters to all companies and the credit bureaus and information isnt mines and its still on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: Conn's, Inc.
State: TX

Complaint narrative:
Account was paid ( settled ) in full on XX/XX/26! Company is showing reduced balance but not that the account has been paid and settled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: MI

Complaint narrative:
Lending Club misleads me and they apply payments to interest only and not to any principle. This has made it so I will always be late and therefore charges me more late fee 's. Although I ask them to apply my payments to the Principle and Interest they say that they are allowed to apply my payments to interest only if they choose. They offered me a deferral during covid for 2 months and now I will not be able to get caught up. They are a fraudulent company and their website shows misleading and little info to understand how to make a payment or pay off your loan.

When I talk to their reps on the phone they either say they cant do what I am asking or hang up on me.

They keep your loan information and statement to show little information that allows you to make sense of your current loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Appeal Suntrust bank XXXX Virginia Attn XXXX va XXXX XXXX Attention suntrust bank XXXX XXXX This cfpb complaint # XXXX is not a duplicate and needs to be addressed By XXXX XXXX Of Suntrust Bank now known as truest Bank .

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