vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 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: NC

Complaint narrative:
Experian is ignoring my validation requests, the company received my first letter on XX/XX/2019, a second on XX/XX/2019, and a third on XX/XX/2019. All letters via certified return receipt. Validation was requested each time and ignored. Experian did not provide any contracts with my signature and provided no proof of any verified accounts. 
After receiving my third letter Experian went on to state, " Unless you send us additional relevant information to support your claim, we will not investigate this information again. '' Experian never properly verified any account, never sent any contracts with my wet-ink signature, and the accounts clearly state that it has been transferred or sold to another office. No information is provided on my credit report. My rights are being violated!

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 2019-10-22 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: VA

Complaint narrative:
In XX/XX/2018 my bank XXXX XXXX that I had my Auto loan through accidentally hit my credit with a missed payment. The bank admitted it was a mistake multiple times when I approached them about the situation. Both the XXXX branch and the XXXX XXXX XXXX have requested Equifax to remove the missed payment multiple times with no response has to why it hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
Your instructions to the salesman filling out your usury contract tell him to change the price of the car from what i agreed to pay ( {$4500.00} ) to some {$8500.00} that I did not agree to get a lian loan for. Again, an illegal change.

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 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX kept the Postal Money order tendered for Accord and Satisfaction of the Account ending in # XXXX. Postal Money Order # XXXX sent via Certified Mail # 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 2019-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank ( XXXX XXXX Credit Card ) Payment due for XX/XX/XXXX was made of XX/XX/XXXX Payment due for XX/XX/XXXX was made on XX/XX/XXXX Payment due for XX/XX/XXXX was made on XX/XX/XXXX Started marking me late on credit report for the XXXX payment as they say no payment was made. Say it was made a day early and was applied toward XXXX. Started charging me a late fee of {$39.00} per month in XXXX. Kept sending in our normal payment because we didn't look at statements because we were always paying early. They refuse to take late payments off or fix credit report. Saying it is too far back for them to make changes and i either pay the late fees or i will continue to be marked late. 3 people on phone with their company agreed i was not late but no one can do anything about it

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 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
Aloha, on XX/XX/19 I received my new mortgage statement for the up coming month to be paid in XX/XX/2019. In the statement it showed that I had whats called a short Fall in my escrow or reserve account. This can be common, because taxes and insurance can miss calculated, especially when it comes to Mr. Cooper. The experience is most of the employees are poorly trained and unable to answer any question correctly. When I studied that monthly mortgage statement t, i found the reason for the short fall. If you go back to my previous complaint against these BOZOs # XXXX, you will see that after the CPFB involvement they suddenly made all the corrections. But, what the BOZOs missed was crediting my escrow those two payments. So, I have NO clue where the escrow monies went? But they didnt get credited to my escrow account. Thus causing the short fall. This is now my second complaint against these BOZOs, and it is my hope that the CPFB will place a fine against Mr. Copper, they now have a D rating with XXXX XXXX XXXX, how do you even do that. XXXX XXXX only had a C rating. 
So, we need to get my two months of escrow credited asap thus not requiring my payments to go up due to the miscalculation of Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
I checked my credit and I noticed an account for XXXX XXXX in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act. 

I contacted XXXX XXXX on XX/XX/XXXX and they responded on XX/XX/XXXX. 

XXXX XXXX responded and states : The address provided by XXXX XXXX XXXX from the visit to XXXX XXXX XXXX in XX/XX/XXXX is XXXX XXXX XXXX in XXXX. Due to the age of this account, we have chosen to close the account in our system. We will notify the credit bureaus of the closure and request they delete the record. 

I tried to submit a dispute via Equifax website and XXXX website but Im having issues verifying my identity. The questions asked DO NOT pertain to me. I DO NOT have an auto or personal loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: OH

Complaint narrative:
Have multiple inquiries on my credut report from XXXX XXXX   XXXX XXXX XXXX XXXX 3 hard pulls fraudulent. 

XXXX XXXX. 


I have contacted each and was told to contact the credit burea XXXX XXXX stated they would remove within 45 days XXXX and Equifax are telling me I cant dispute the fraudulent inquiries on my credit report. 

XXXX is also refusing to block XXXX XXXX and XXXX XXXX knowingly reporting fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
I checked my credit and I noticed an account for XXXX XXXX in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act. 

I contacted XXXX XXXX on XX/XX/XXXX and they responded on XX/XX/XXXX. 

Choice recovery responded and states : The address provided by XXXX XXXX XXXX from the visit to XXXX XXXX XXXX in XX/XX/XXXX is XXXX XXXX XXXX in XXXX. Due to the age of this account, we have chosen to close the account in our system. We will notify the credit bureaus of the closure and request they delete the record. 

I tried to submit a dispute via XXXX  website and Transunion website but Im having issues verifying my identity. The questions asked DO NOT pertain to me. I DO NOT have an auto or personal loan in my name.

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 2019-10-22 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: OH

Complaint narrative:
Have multiple inquiries on my credut report from XXXX XXXX XXXX XXXX XXXX XXXX 3 hard pulls fraudulent. 

XXXX XXXX. 


I have contacted each and was told to contact the credit burea XXXX XXXX stated they would remove within 45 days XXXX and Equifax are telling me I cant dispute the fraudulent inquiries on my credit report. 

XXXX is also refusing to block XXXX XXXX and XXXX XXXX knowingly reporting fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Medical collection company did not submit bill to XXXX workmans comp as requested multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: UT

Complaint narrative:
Over the past 14 months since I opened the card, I have tried to solve this problem by calling the customer service number at least 5 times. I received a letter in the mail that was a promotion for the XXXX XXXX MasterCard through USBank. It had an application number and I typed it in on the website and filled out the application. Originally, it said I was denied on the website, but then a few days later I received the card in the mail. The promotion was detailed on the application I received in the mail and it was that if I spend at least {$500.00} in the first 30 days of account opening, I would receive {$150.00} statement credit. The fine print said to wait 6-8 weeks for credit to be applied. I spent well over {$500.00} the first month and after 3 months went by, I started getting suspicious. I called them and they only gave me the run-around when I called them. First they say you need to call XXXX XXXX and give you an old nonfunctional number. Then they say they will call you back, then they say they can give me {$30.00}. This latest call from XX/XX/19 was the most helpful because they submitted an information request and I received a letter in the mail that basically says they won't give me anything until I show them proof of their promotional offer. I feel like they are legally required to have such documentation.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I sent a letter to Experian 's National Consumer Assistance Center notifying Experian that there were inaccurate addresses on my current Experian consumer credit report in addition to removing wrong phone numbers and wrong employment information. 

I received a vague letter that regurgitated the same address info with some minor changes, but no addresses were deleted. 

I later disputed the inaccurate addresses again in my online Experian.com account on XX/XX/2019 and Experian responded by adding a Geo code number to each of the addresses. 

Today, XX/XX/2019 I am filing this report to the CFPB as I have done what I can to have Experian take action on removing these inaccurate addresses. I am now attempting to remove these entries by force with the CFPB 's assistance as Experian has violated my consumer rights. 

I am also sending another letter to Experian to let them know I am filing this formal complaint with the CFPB.

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 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery Systems put something on my credit report for a payday loan I never took out. I received nothing in the mail and no attempt to contact me directly. It literally just showed up on my credit report this morning. There is no amount and no other information available. And after reaching out to the company itself, I still have not been given any credible information except that I would be able to pay over the phone with a credit card if I chose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have an account ( XXXX XXXX XXXX ) on my Experian credit report showing inaccurate information. I disputed the information several time but experian fails to properly investigate and verify the account. I disputed the same account with XXXX and they delete the account because the company XXXX XXXX XXXX failed to validate the allege debt. I am asking EXPERIAN to follow suit and do the same and delete the account. Attached is a copy of the deleted result from 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 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
I have been a loan modification process with flagstar since XXXX of this year. I feel flagstar is stinging me along. I am two months behind and all im asking is to stop the late payments and put me on a repayment plan or lower my monthly payment amount. 

The last straw with them was on monday when i called because yet another letter comes stating my application is incomplete. 

I call and im told im missing documents that I clealry submitted on XX/XX/XXXX. 

Im fed up and dont know what to do

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 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
The bank collected the funds on a check on XX/XX/XXXX but refuses to make the funds available until XX/XX/XXXX ( 4+ months ), way past any reasonable hold as defined in The Expedited Funds Availability Act ( Regulation CC ). 

The account is older than 30 days ; The account has never been overdrawn ; This is not a redeposited check ; The check is less than {$5000.00} ; Seems like a abusive way of profiting from a float.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2019 some people request quotation XX/XX/XXXX they start with purchase {$52.00} XX/XX/XXXX i shipped all items to them After 25 days they filed a dispute with American Express Merchant Services they debt {$14000.00} and i answered to them they credit the money and one week after they debit again 10 days after the other guy dispute {$38000.00} and answered rquested help to cfpb with number XXXX after some days more they sent me a letter with information about case was close and they will refund the money and sent me checks i deposited and they stop payment and now reopen the case and stop some money from my customers Is very sad after 2 debit and 2 refunds and one letter with close the cases and told me several times i win both cases now reopen stop refund and stop the money from my customers they want what my company go to bankrupt i dont have money for buy parts and resale They have more of {$20000.00} on hold i not owed nothing i sold the parts and delivered with instructions of card holder

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern : I have been trying to remove accounts that do not belong to me but as the law requires, they need to provide physical proof before post fraudulent, outdated or inaccurate data in a consumer credit file. But they keep failing to provide the proof that FCRA requires for a third party reporter to post any account in a consumer credit file, they need to remove these accounts intermediately from my file.

Company response to consumer: Closed with explanation