vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.

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 2018-10-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX  has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.

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 2018-10-23 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: TN

Complaint narrative:
I am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion XXXX, XXXX and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.

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 2018-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
bank america closed out the wrong account when changing my sole prop to a LLC which caused 3 to 5 return checks XXXX  was a company that took one of the checks they closed my account b/c of bank of America error Now XXXX refuse to reopen the account Can you tell me how is this fair?

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 2018-10-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX  XXXX XXXX made an error when changing my XXXX XXXX to an XXXX XXXX took a bad check b/c of XXXX XXXX XXXX error now they wont re open my account due to XXXX XXXX XXXX  error

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 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for a overdraft line of credit account from XXXX XXXX XXXX XXXX in XXXX and I was denied due to them not being able to Equifax not being able to verify my credit accounts. I contacted Equifax to have a freeze on my report lifted. Equifax submitted documentation that they lifted the freeze on XX/XX/2018. I applied again 1 week later and received the same letter from XXXX XXXX XXXX XXXX and was advised to verify that Equifax removed the freeze. I did so and it was verified that the freeze was removed. I applied again today, same issue. I contacted XXXX XXXX XXXX XXXX back and they stated that there is nothing that they can do. XXXX tells me it's an issue with Equifax, Equifax tells me that it's an issue with XXXX XXXX XXXX XXXX and that they should contact their business customer service department. XXXX XXXX XXXX XXXX states that they do not make calls to the bureaus. As a consumer, what can I do and I would hate it if I was applying for a mortgage and this error or run around occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX 18 - {$500.00} PURCHASE MADE. ERROR FOUND. ORDER CANCELLED.

XXXX   XXXX  18 - ( {$500.00} ) REFUND FROM MERCHANT POSTED.

XXXX XXXX 18 - NOTIFIED VIA EMAIL PROMOTIONAL FINANCING EXPIRING SOON FOR {$500.00}. HERE IS WHERE THE PROBLEM BEGINS. I CONTACT PAYPAL TO DISPUTE TRANSACTION SINCE CHARGE MADE XXXX XXXX 18 WAS REFUNDED NEXT DAY. THIS IS REFLECTED IN MY XXXX  BILLING STATEMENT. WHY AM I BEING CHARGED INTEREST OR PAYMENT DUE FOR TRANSACTION THAT ESSENTIALLY NEVER HAPPENED, CHARGE AND REFUND SAME DAY. 

PAYPALS EXPLANATION IS THE SYSTEM DOES NOT SEE THE MERCHANT REFUND BECAUSE IT HAPPENED WITHIN ONE BILLING CYCLE. THE MERCHANT REFUND DID NOT APPEAR UNTIL THE FOLLOWING BILLING CYCLE. THE PAYPAL REFUND CREDIT OF {$500.00} WAS REALLOCATED BASED ON HOW WE FEEL THE PAYMENT WILL BEST PAY-DOWN THE INTEREST BALANCE. IF THIS HAPPENS IN THE FUTURE CALL US AND WE WILL OVERRIDE THE TRANSACTION SO THE REFUND IS APPLIED TO THE CORRECT TRANSACTION, HOWEVER, NOTHING CAN BE DONE FOR THIS TRANSACTION BECAUSE IT OCCURRED MORE THAN SIX MONTHS AGO.

THE EXPLANATION PROVIDED IS NOT FOUND IN ANY DISCLOSURES PROVIDED TO CUSTOMERS. I HAVE NOT KNOWINGLY AGREED TO ALLOW PAYPAL TO 'REALLOCATE ' MY MERCHANT PROVIDED REFUNDS AS THEY SEE FIT. WHEN THE MERCHANT REFUNDS THE TRANSACTION AMOUNT I EXPECT IT TO BE APPLIED TO THAT MERCHANTS TRANSACTION AS DOES EVERY OTHER CREDIT CARD ISSUER I HAVE ACCOUNTS WITH.

I WAS NOT CONTACTED BY PAYPAL ABOUT THIS 'REALLOCATION ' OF THE REFUND TAKING PLACE. I HAVE BEEN CHARGED INTEREST ON A TRANSACTION THAT ESSENTIALLY DID NOT OCCUR. HOW MANY TIMES HAS THIS HAPPENED THAT MERCHANT REFUNDS HAVE NOT BEEN APPLIED TO THE MERCHANT PURCHASE THUS ACCRUING INTEREST?

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 2018-10-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
XX/XX/XXXX To whom this may concern, I paid off and closed XXXX XXXX Credit Card with Account Number XXXX XXXX XXXX XXXX last XX/XX/XXXX ( Ref # XXXX ). All payments were made on time up to the closing of the account. It came to my attention on XX/XX/XXXX, the account was not closed and reported to all credit bureaus that I was delinquent and handed over to collections. I found that they had charged me without my knowledge annual and other fees. Additionally, they never closed my account. This dropped my credit score by over 130 points when the account had been paid off and supposedly closed as I requested in XX/XX/XXXX. I talked to XXXX XXXX XXXX  on XX/XX/XXXX and was assured the account will be closed and the {$100.00} charge reversed and reported corrected to all credit bureaus, removed/deleted from collections and cleared on my credit report. I was just told today I have to fax a letter with credit report information and an explanation. Please expedite this matter, clear this mistake and inform me immediately that the issue has been resolved, corrected and explained to credit bureaus and collection. I have included the appropriate section from my personal credit reporting company that shows the issue. Credit One`s reference number to this case is XXXX. As a result of this action by XXXX XXXX XXXX  my Credit Score dropped 130 points. Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
You will see that on XX/XX/XXXX, I have asked for a THIRD time that American Express removed two inquiries on my credit reports that I did not initiate. They can not prove to me that they have written signature matching my personal signature. In addition, they can not provide video surveillance of the person ( s )  who used my information to make an application with their company -- not once but twice! 

PER THE FCRA LAW, they are to remove the inquiries immediately since they can not provide me PROOF OF SIGNATURE. Not electric signature, my handwritten signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 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: Kriya Capital, LLC
State: AL

Complaint narrative:
I received a copy of my credit report in XX/XX/2018. I noticed that Credence Resource Management had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Credence ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Credence to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Credence has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, time and verifiable information. Per return receipt ( see attached ), Credence received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Credence is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my FHA mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage. Since the transfer, I have made both the XXXX ( online payment ) and XXXX ( telephone payment with bankruptcy representative ) payments to Carrington Mortgage. However, on XX/XX/XXXX, I received a monthly statement from Carrington showing that my XXXX payment had not been applied to my account. It was being held in a " suspense '' account. The statement also indicated that I owed {$10000.00} due XX/XX/XXXX. 

I immediately called Carrinton and was transferred to a bankruptcy representative who stated that something happened with my XXXX payment and caused it to be sent to a " suspense account ''. She said she would put in an order to have it applied to the account. However, she also stated that Carrington could not find my payment ledgers from XXXX XXXX XXXX, and because of that, they had no record that I had made payments from XXXX. That's why they were billing me for the {$10000.00}. I contacted XXXX  XXXX XXXX and was told Carrington had received the payment ledgers along with all of the other loan documents during the transfer. XXXX  XXXX XXXX also faxed a copy to their bankruptcy department ( addressed to XXXX ). 

I called on XX/XX/XXXX and even after receiving the payment ledger fax from XXXX  XXXX XXXX ( which had not been scanned into my account, but showed as received by XXXX ), Carrington still has not resolved this billing issue. 

If this issue is not resolved in a timely manner, my attorney will have to take legal action against Carrington Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I had never received any notice that they were even trying to collect for an account until i seen it pop up on my credit they are saying it owed to a hospital called XXXX  XXXX i have never visited a hospital with any name like that i always have an always will us XXXX XXXX. Also the date they gave that suppose services were done i was not in any hospital on thoughs dates. They have a inaccurate address on the account that i never have even resided at. I am trying to better my life an purchase a home an this has now knocked my credit way down after a 3 year process to bring it up. This Account is invalid an is not owed from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LCO Financial Services, LLC
State: IN

Complaint narrative:
Ive contacted Blue Trust Loans/Hummingbird ( another business name ) and revoked all ACH transactions and wage assignments as well as any electronic checks to debit my account. This loan had outrageous hidden fees and even though I had originally requested to pay the loan in full they still set up the loan in biweekly payments on my pay date. The interest rates far exceed the allowable amounts in Indiana and they are allowing users to borrow more then what the state allows which is {$550.00}. They have not responded to my revocation email and should not be lending in Indiana as they are violating the lending laws and do not have a license to operate in this state.

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 2018-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID

Complaint narrative:
After purchasing our new home in XX/XX/XXXX, our loan was subsequently sold to Rushmore Loan Management ( RLM ). When we learned of the loan transfer, I called RLM to ask about  sending multiple payments, to break up the large amount. They indicated on the phone that they can accept multiple payments. 

Our first payment was due on XX/XX/XXXX, so I sent a check from my bank in the amount of {$800.00} on XX/XX/XXXX and the rest of the balance {$600.00} on XX/XX/XXXX. This process repeated, where I would send {$800.00} mid-month prior to due date and the rest on the due date. 

This went on for 3 months before RLM sold my loan to XXXX. When I learned that my loan was sold, I reached out to XXXX via phone and they told me that they do not support multiple payments and that I was behind on my mortgage. I asked how that could be and they indicated that it was my responsibility to find out. They also started calling our phone day/night with automated calls that were never answered by an employee. 

I have spent more than 10 hours so far, on the phone with RLM to understand what happened. All I can find out is that they applied my XX/XX/XXXX payment ( for XXXX XXXX due date ) in the amount of {$800.00} to principle. This put us behind by that amount for XXXX. RLM has indicated that they are " looking into it '' and the supervisor, XXXX XXXX ( ext. XXXX ) has not returned my many voicemail messages. 

XXXX has indicated that we will not be taken off the robot-calling punishment until our account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Friday morning on the XX/XX/XXXX I returned home early from work to call the manager XXXX XXXX to see if I could come and get my title so I could get my tags at the secretary of state that day. she tells me they didn't receive a title. I then call XXXX XXXX were the truck was purchase from to huntington bank. A lady name XXXX XXXX at XXXX said they sent the title and other documents on XX/XX/2018 and that someone at huntington bank name XXXX XXXX signed for it on the XX/XX/XXXX and that she would seen me a copy were he signed for it. I got the information and call XXXX back no answer no return call Friday so I went up there to Huntington bank Saturday morning she wasn't their, I talk with another branch employee name XXXX he new about the title situation and said he would look for it wild I was there and said he would call XXXX XXXX and leave a message for him to contact him or contact me concerning the title. I left the bank and call the main office of Huntington to see if they could help me get my title, they tells me that he's on vacation and that they would contact him by phone and email for him to contact me or the bank about the title, I never heard from him from beginning to the end of this situation, and time was running out. I was told to go to the social security office and they would directed me to apply for a lost title on XX/XX/2018, in the mean time I was back and forth at the bank I talk with XXXX at the bank on Tuesday XX/XX/18 I ask about where was XXXX she says he didn't come to work Monday and if the title came they can not leave documents laying around they would have to shred it they can't keep documents in that office.I received my lost title on the XX/XX/XXXX, by mail and XXXX  for next day for XXXX to XXXX to start the process all over again. I receive my title back on XX/XX/XXXX XXXX XX/XX/XXXX..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2018 I opened a checking account and a savings account with Citibank at one of their branch offices on XXXX XXXX XXXX XXXX with the help of XXXX XXXX to take up their {$400.00} bonus offer at time if I make at least the minimum deposit and keep the minimum combined balance for 60 days. I was told by XXXX that I am eligible for the offer. 

I made the required deposit of {$15000.00} to the checking account and {$500.00} to the savings account on XX/XX/2018. I left the money sitting untouched in both accounts for the next XXXX consecutive months. 

The {$400.00} bonus never came and still not received. I started making numerous inquiries to Citibank through their branch and spoke to its manager XXXX XXXX and the original office XXXX XXXX. I also tried their online Live Chat and spoke to several representatives. They keep telling me that they're still 'investigating ' even though all of them confirmed that I have satisfied all the requirements for the bonus. I kept getting the runaround and still haven't gotten any resolution. 

Today, XX/XX/2018, both of my accounts were mysteriously 'unlinked ' and I can no longer access any of the accounts. I never unlinked them or authorized Citibank to close them. I reached out to the branch manager XXXX XXXX, and she has no idea why. I feel misled and duped. The whole thing feels like a fraud and it is outrageous.

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 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP
State: MO

Complaint narrative:
XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX on XX/XX/18 we  submitted a request for a payoff. We were told 5 to 7 days turnaround see below request. 

Payoff Name : Selene Finance LP Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Fax : Email : Loan # XXXX Original Loan Amt XXXX Order Task Comments : Good Thru Date Ordered : Deliver to : XXXX ( XXXX ) or XXXX Payoff Order Bank Name : Selene Finance LP Loan Number : XXXX Method of Order : FAX Phone : ( XXXX ) XXXX XXXX Name : N/A Fax : ( XXXX ) XXXX Email : n/a Approx. Lender Turn Time : 5 business days Good Thru Date : XX/XX/2018 Date : XX/XX/2018 As of XX/XX/2018 we still had not received the payoff. We requested again, see below. 
Payoff Track 1 Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX XXXX Name : XXXX Date : XX/XX/XXXX As per CSR XXXX, they received the request and the PO is scheduled to be ready on XX/XX/XXXX. 

Payoff Track 2 Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2018 As per CSR XXXX, they received the request and is in process. 
We should receive it on XX/XX/XXXX. 
*** Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX XXXX : XXXX Date : XX/XX/2018 Additional Comments : The CSR XXXX is escalating the request to have it as a priority. She said that we can get the PO faxed thru XXXX sometime today. 
Bank Name : Selene Finance LP Loan Number : XXXX Method of Order : CSR : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2018 Additional Comments : As per csr XXXX they did have the request on files and also they sent it to us but since we dont have it on files she will resend it to us by fax. 
This is now XX/XX/2018 we nor our customer has received anything.

Company response to consumer: Closed with explanation