vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX M & T Bank Account Number : XXXX Home Address : XXXX XXXX   XXXX XXXX XXXX, MD XXXX I called M & T bank in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that M & T bank has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with M & T. When I complain M & T responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by 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 non-monetary relief
Consumer complaint received 2020-09-08 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Home Address : XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX I called XXXX XXXX XXXX XXXX in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that XXXX XXXX XXXX XXXX  has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with XXXX XXXX XXXX. When I complain XXXX XXXX XXXX  responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by 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 2020-09-08 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called XXXX XXXX XXXX XXXX in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that XXXX XXXX XXXX XXXX  has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with XXXX XXXX XXXX. When I complain XXXX XXXX XXXX responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by 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 2020-09-08 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: NY

Complaint narrative:
I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark ( Intitial dispute sent on XX/XX/2020 ) and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2020-09-08 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: NY

Complaint narrative:
I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark ( Intitial dispute sent on XX/XX/2020 ) and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2020-09-08 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: TN

Complaint narrative:
I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to XXXX, XXXX, and Transunion they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.

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 2020-09-08 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: TN

Complaint narrative:
I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to Experian, XXXX, and XXXX  they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.

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 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of the 2016 " XXXX  Data Breach '' identity theft case. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I submitted a complaint against Sequium Asset Solutions on XX/XX/XXXX for a false claim that I owe XXXX XXXX XXXX debt that was already paid. XXXX XXXX XXXX presented false records for cable service that I didn't have after XX/XX/XXXX, and they were uncooperative in resolving the issue. The previous CFPB Complaint Number was XXXX. 

I also submitted a XXXX  Complaint on XX/XX/XXXX and XXXX XXXX with Sequium Asset Solutions agreed to resolve the complaint on XX/XX/XXXX by " A deletion of our account will be processed to have our account deleted from your credit file with the three major credit reporting agencies. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. '' However, Sequium began corresponding with me by mail last week by sending the same XXXX XXXX XXXX debt collection bills. Ms. XXXX didn't keep her word that was previously given. She doesn't answer her phone and her voicemail is always inactive. 

This morning, I received an email from XXXX  Credit Bureau stating that my " FICO Score decreased, and my FICO Score Rating changed. '' My credit score dropped 22 points from XXXX to XXXX from Excellent to Very Good for no apparent reason. I checked by credit report and there is no change to my report. I can't file a dispute on the XXXX  site because there is no change to my report except for the decrease of my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase had someone call me while my wife was in the hospital for XXXX complications. They offered to lower the amount of my payment if I could pay it off immediately which was fantastic so I did it right then. What I didnt realize is how this showed up on my credit and the repercussions for doing so. My wife gave birth and then I found out what this did so I immediately called chase and said I wanted to pay off the difference of the settlement and did not realize what this did to my credit report. The person said they didnt think I could but was going to check into it since it was not explained to me. They were supposed to call me back and never did. This process was not explained to me and I was in a very bad place with my wife having XXXX difficulties during COVID restrictions at the hospital. All I want is to pay off the difference so this shows as paid in full. It doesnt seem like a difficult request to satisfy a debt but it has been a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Starting this calendar year I have been dealing with a company called Shellpoint Mortgaging services who claim they were not receiving my payments! So payments are missing or not applied correctly it seems! I had to take funds from my IRA to make a XXXX payment in XXXX! To which at the time they stated the amount owed was XXXX I sent in a cashiers check for XXXX and subsequently sent in my XXXX payment of XXXX it was cashed by them on XX/XX/XXXX as per my bank! But never posted to my account! These people are frauds or committing fraud! They sent me a statement on the XXXX  for XXXX! No mention of the XXXX they received prior and late fees on top of what they already received!! I spoke to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was supposed to be a supervisor and have not been able to reach him since! I am XXXX   XXXX due to a XXXX  XXXX I had in XX/XX/XXXX! This is putting undue stress on me and I am afraid to send in any future payments as they are not forthcoming in their accounting practices!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am in the military traveling trying to get a situation taken care of as fast as possible. I paid off my lien to this vehicle in 2016 with a company called Gateway One Lending & Finance. They were acquired earlier this year by your company who has advised me because this loan is so old, you do not have my account or records. 
On XX/XX/2016 Gateway One Lending & Finance provided me with the enclosed letter stating I had met my financial obligation and paid off the loan. They also included a copy of the contract stamped paid. I have included a copy of this as well for reference.

I traded this car in recently and they are in need of the title. I have been activated for hurricane response and this is creating some significant issues. I am asking that someone please assist me with my situation, provide me with a release of lien so I can get this released with the state of IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: NY

Complaint narrative:
OnXX/XX/2020 I received hard inquiry alerts from XXXX, XXXX  and equifax I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Account XXXX XXXX police case # XXXX I filed an identity theft and police report on XX/XX/XXXX XXXX a copy of both was sent to the National credit adjusters on XX/XX/2020. They continue to call and refuse to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX we I closed on the sale of my home. 
We had a Mortgage that was with Select Portfolio Servicing , Inc . 
The payoff of the mortgage was received by Select Portfolio Servicing , Inc. on XX/XX/XXXX This mortgage was assigned to XXXX XXXX XXXX XXXX XXXX, as Trustee for the benefit of the XXXX XXXX Seasoned Loans Structured Transaction Trust, XXXX XXXX whose address is c/o XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The mortgage has still not been satisfied at the XXXX County Clerk 's Office, XXXX New York We have made numerous attempts to get this company to satisfy the Mortgage. They told us it was paid but now 8 month later the mortgage is still not released at County Clerk 's Office. 
They are very uncooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi my name is XXXX XXXX and I need to Dispute some late payment report history with capital One It's showing 3 months late.I. became behind due to covid 19.Another dispute I have is with XXXX XXXX  with some late payments due to covid 19 as well. the account is XXXX/XXXX   XXXX # XXXX and Capital One is Capital One Bank Usa # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Over the weekend, I received an email from XXXX  that my credit limit on a credit card was decreased significantly. Upon my return from my trip, I signed on and noticed that Fifth Third Bank had reduced my credit limit from {$8000.00} to {$4500.00}.

I was given no notice as to why this happened nor do I understand why this happened. I reached out to customer service but they were unhelpful. They couldn't even tell me why this happened only that I should have received a letter, which I never did.

I pay my cards on time. I have no delinquency on my credit report. I have not lost my job. I have a six figure income. I've never used more than 50 % of my credit limit and now with this absurd change, my utilization has gone to 98 % thus affecting my credit report and single handily sabotaging my mortgage approval process, of which I was in the middle of. 

I have been a good customer and never had any issues so this is not only absurd but uncalled for. No other card issuer has done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
BVVA Compass bank was running a promotion that if you opened a checking account with direct deposit you would get a {$200.00} dollar deposit into your account some time in XXXX XXXX well because I was a member with a credit card account and already had online access I went online and opened a checking account and set up direct deposit. I later came to find out that because I failed to open the account on a specific web address with a specific code I did not qualify for the {$200.00} promotion amount. I am sure that I am not the only person that already had an ongoing relationship with BBVA that has also been denied the promo amount. The mailer ad made no clear difference to folks opening new checking accounts and people like myself that already had online accounts.

Company response to consumer: Closed with explanation