vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in XXXX of 2018 for my Department of Education loan account. 
I understand my financial obligations and take them very seriously. During fall of 2018, I experienced technical issues with my bank account that forced me to change my account/banking information. I believed that I had changed my account information regarding all auto draft payments. Unbeknownst to me, there were no notifications regarding my automatic draft setup with my Department of Education account. Because of this, my payment was rejected and classified as late. As soon as I became aware, I made a payment and updated the information. Overall, outside of this isolated incident, I have a history of on-time payments.

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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in XXXX of 2018 for my Department of Education loan account. 
I understand my financial obligations and take them very seriously. During fall of 2018, I experienced technical issues with my bank account that forced me to change my account/banking information. I believed that I had changed my account information regarding all auto draft payments. Unbeknownst to me, there were no notifications regarding my automatic draft setup with my Department of Education account. Because of this, my payment was rejected and classified as late. As soon as I became aware, I made a payment and updated the information. Overall, outside of this isolated incident, I have a history of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
After reviewing the credit profile XXXX XXXX XXXX continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?

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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
After reviewing the credit profile XXXX XXXX XXXX continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?

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 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Recovery Services, LLC
State: AL

Complaint narrative:
After reviewing XXXX  Credit Profile. a debt purchased from XXXX XXXX ; Receivables Recovery Se continues to furnish information on credit profile. When rendering services, from XXXX XXXX ; according to insurance all treatment was covered, if out-of-network, the practice didn't make known prior to scheduling. Requesting if a referral for treatment was given and if coverage verified prior to scheduling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: AL

Complaint narrative:
I have sent Equifax several disputes about inquiries that I didn't recognize and inquiries that was not account holding inquiries. I requested that they investigate the inaccuracies and delete them but they keep writing back saying that inquiries are factual records. I have wrote several companies with the addresses that Equifax provided but have received return mail back from most of them saying unable to forward or vacant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My XXXX  credit report received a hard inquiry on XX/XX/2020 from : CITIBANK NA., BEST BUY Address : CITIBANK NA., BEST BUY, XXXX XXXX XXXX XXXX, XXXX XXXX , SD    XXXX I did not apply for a BestBuy credit card and believe a fraudulent application was made using my information. The BestBuy Citicard number : XXXX is not helpful. There is an automated system that requires either an account number or social security number. I do not have an account number and the account has not been opened yet so my social is not in their system. The automated system will not let you speak to a human representative under any circumstances I have tried numerous times. When I call the general Citi credit card number they always state they are unable to help and transfer me to the previously stated BestBuy number. I have filed a dispute with XXXX  and the determination of that dispute was the the inquiry was factual and if it was made fraudulently I would need to contact the same BestBuy/Citi number where I am unable to reach a person.

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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I just want the company to respond to me via FCRA guidelines. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I just want the company to respond to me via FCRA guidelines. Thanks for your 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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: AL

Complaint narrative:
According to all major credit bureaus, Nelnet continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late  payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent in a few letters to Equifax and I they still haven't responded to the letters its been well over 30 days my first letter was sent out XX/XX/2020. I  also sent a follow up letter and got nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
According to all major credit bureaus, XXXX continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.

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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
According to all major credit bureaus, XXXX continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
According to all major credit bureaus, XXXX continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.

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 2020-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
I purchased a property located at XXXX XXXX XXXX ( XXXX  XXXX ), XXXX, HI XXXX with a second-home conventional mortgage loan from Guild Mortgage Company. I put down approximately 15 % on the property as a downpayment in XX/XX/XXXX. I have consistently made on-time payments. After purchasing the property, I made substantial renovations to the condominium and completely renovated the entire property. In XX/XX/XXXX, I sent a letter to Guild Mortgage to request a reappraisal to request the cancellation of the PMI. Guild Mortgage ignored my written requests several times, even though I called them, provided them receipts and photographs of the work done to the property ( before/after ). I then threatened to report them to CFPB if they continued to ignore my requests, they then responded that I needed to pay {$650.00} for a reappraisal of the property based on an appraisal firm of their selection. Now, in XX/XX/XXXX, my LTV ratio is below 80 % of the ORIGINAL value of the propertyeven without a reappraisaland they are again refusing to cancel the PMI and are alleging that the original value of the property was {$280000.00}, and therefore, I am not yet at 80 %. However, {$280000.00} was the original purchase pricenot the original appraised value. 

I am requesting that Guild Mortgage comply with XXXX XXXX servicing guidelines for borrower-initiated removal of the mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SAMC Honebee TRS, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX I wrote the company expressing we were having some financial difficulties due to COVID. I asked to postpone my account for 180 days. I received a letter back on XX/XX/XXXX. My automatic draft was stopped and I contacted the mortgage company to make sure my payment still came out since I hadnt heard back about forbearance. I was told my account was good and they received payment. I still have not received a forbearance so on XX/XX/XXXX I paid my mortgage since the automatic payments were stopped by the company. I received a phone call from company on XX/XX/XXXX saying my XXXX payment never came out and they had made an error and paid my account with someone elses funds. I told them that I had asked for a forbearance but I called and the associate told me my account was good and all statements I received said my account was good. I asked them how am I 30 days late when I just made a payment on XX/XX/XXXX. This company has reported to the credit bureaus more than once that I have been 30 days late. I dont understand how this is correct or legal. One I was not aware nor did anyone contact me before XX/XX/XXXX by phone or mail. Second I asked for a forbearance in XXXX and I yet to get it or any correspondence.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; Pioneer Services continues to compromised credit scores along with creditworthiness. Correspondence sent from Pioneer regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of five dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, Pioneer Services continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; Pioneers   illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.

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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I wrote the company expressing we were having some financial difficulties due to COVID. I asked to postpone my account for 180 days. I received a letter back on XX/XX/XXXX. My automatic draft was stopped and I contacted the mortgage company to make sure my payment still came out since I hadnt heard back about forbearance. I was told my account was good and they received payment. I still have not received a forbearance so on XX/XX/XXXX I paid my mortgage since the automatic payments were stopped by the company. I received a phone call from company on XX/XX/XXXX saying my XXXX payment never came out and they had made an error and paid my account with someone elses funds. I told them that I had asked for a forbearance but I called and the associate told me my account was good and all statements I received said my account was good. I asked them how am I 30 days late when I just made a payment on XX/XX/XXXX. This company has reported to the credit bureaus more than once that I have been 30 days late. I dont understand how this is correct or legal. One I was not aware nor did anyone contact me before XX/XX/XXXX by phone or mail. Second I asked for a forbearance in XXXX and I yet to get it or any correspondence.

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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have asked continuously for verification of debts. Experian continues to say that they " verified '' debts, but they have incorrect addresses for the creditors, incorrect amounts, etc. They never provided me with any verification whatsoever, and they have continuously violated my rights under the FCRA. If these accounts are not removed from my credit, it is a violation of my consumer rights, and I will have no other option than to file suit against them. I am including a copy of my driver 's license and a copy of a recent utility bill so that they can not refute that I am, indeed, the one filing this 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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
My complaint is with Freedom Mortgage reporting me late to the credit bureaus for a late payment in XXXX, 2019. Freedom Mortgage purposefully delayed a refinance process that I already had underway with a new company. Freedom harassed me and solicited me by phone to refinance with them even though I am on the XXXX list. While they made overtures and efforts to retain me and keep my loan with Freedom, they delayed sending a simple payoff statement to the new lender. As a result of their delays, my refinance process with the new lender was delayed. Freedom received full payoff of their loan on the date required by the payoff statement yet they chose to report me late to the credit bureaus.

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 2020-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
this bank is ridiculous after their account protection has approved my application for credit with a store called XXXX card i called them because i have a fraud alert on my credit they asked me a few security queations then said congratulations you have been approved for XXXX and should receive your card in the mail i get the card in the mail welcome kit they sent me and i cant use the card im sick and tired of this banks practices i feel discrimainted this is not the first time they have done this to me its multiple times and they usually end up closing my accounts always after sending them documents lying and saying they cant verify my identity this is not nice or fair after approving me that they wont let me use my card why do they hate me so much i sent them the docuemnts now i hope they dont close my account without my knowledge this bank is horible with processing documents i sent them i hate them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To whom it may concern. I am simply requesting my initial closing documents dating back to late XXXX on my single family residence purchase. I have observed strange occurrences, and I will need to take a deeper look into the matter. I unfortunately was a victim of predatory lending then, and have witnessed some unscrupulous activities and bank transactions. 

Secondly, I'd like to have copies of my Truth In Lending documents, as it is apparent that my loan did not reflect what was conveyed in the aforementioned. 

XXXX I kindly request all of the documents and/statementsor pertaining to the loan prior to and following both my first Modification in XXXX, and the second in XXXX. 

In addition to this, I would like to request all documents and correspondences sent from your office, including notes of our phone conversations. if possible from XXXX to XXXX. 

Another issue I'd like to bring to the forefront is my redundant closings within a very short period of time ; in which I expended upwards of {$10000.00}.

Company response to consumer: Closed with explanation