vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2020 I received a payment of XXXX to my checking account with US BANK, the moment I received my funds they issued an hold on my account for whatever reason they didnt disclose to me. XX/XX/2020 I went to My home branch at XXXX where I was told I have to wait til XX/XX/XXXX to speak with the branch Supervisor to take the hold off my account. Here it is XX/XX/XXXX at XXXX I spoke with the Supervisor who told me they sent my payment of XXXX back & closing my account as well so I would receive a check in the mail of my previous funds within 7 to 10 business days. Here it is XX/XX/2020, 3 WEEKS LATER I called US Bank this morning to see whats the status of my check ... turns no check was ever sent out b/c MY ACCOUNT IS STILL OPENED it was never closed & my account still have the XXXX in it ... meaning US Bank employees LIED TO MY FACE!!!! They didnt close my account nor sent my funds back in which they are still holding my funds & will not release it. This is very unprofessional on a banks behave also such a BIG INCONVENIENCE during this pandemic we all are battling with.

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 2020-07-09 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: NY

Complaint narrative:
I have tried to resolve this problem with Experian several times in the last year. I sent them a letter in XXXX proving my correct address and another letter last week proving my correct address which is XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I have been a home owner at this address for 3 years. My FICO score is at XXXX but it should be close to 800. Experian 's poor record keeping has contributed to this mistake. It almost seems like it is intentional misconduct to keep a consumer with an excellent credit history like mine low ...

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 2020-07-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX is going from Agency to Agency reporting an account that isn't mine. It's predatory.

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 2020-07-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX is going from Agency to Agency reporting an account that isn't mine. It's predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX of 2016 I did not receive a bill to my new address I was living at, which resulted in a late payment and is showing up on my credit report. All other payments were made 100 % on time for 4 years after that occasion. I am asking that you please remove these late payments from my credit report. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 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: TN

Complaint narrative:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: PA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible

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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible

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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS COLLECTIONS AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS ACCOUNT ETC AND INSTEAD OF BLOCKING IN THE 4 DAYS I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rauch-Milliken International, Inc.
State: ID

Complaint narrative:
Rauch Millikan at XXXX keeps calling me about a debt for a XXXX company I closed in XXXX. They say XXXX XXXX XXXX / XXXX XXXX has a collection debt from the Idaho XXXX. I said that is not possible. That company has not been in business for over 30 years. They said its from XXXX. Again, that is not possible. They said they are turning it over to there legal department unless I want to pay it now. I hung up. 

I called the Idaho XXXX. They confirmed there is no collection. There is no account for me. I have not subscribed to the Idaho XXXX newspaper in over 20 years. 

Rauch Millikan keeps calling me and leaving collection messages. 

From what I read in the Internet, this company has a lot of complaints in regards to trying to collect on old previously settled debts. They are a scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: FL

Complaint narrative:
I paid a bill for {$100.00} on XX/XX/2019 by credit card to XXXX XXXX XXXX for services rendered by XXXX XXXX XXXX. Account number XXXX. I owed no more on this service rendered. 

Six months later i have begun to receive letters form a collection agency, Professional Credit Service, for the {$100.00}. I already paid that and called and let them know. Instead of listening to what I had to say, they only wanted to collect more personal information about me for their records, asking for my personal information such as DOB, telephone number, address, etc. I have paid this debt six months ago. They need to remove it from their records and mark it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
In XXXX of 2020 I was going not be able to pay my XXXX mortgage payment. I reached out the company proactively to try to get some help and get back on track. So let me be clear, at that time I was not 30 days or more late on my mortgage. 

The quicken loans representative came up with a loan modification plan. This plan included 4 payments in XXXX, XXXX, XXXX, and XXXX. I have made all of those payments except the XX/XX/XXXX payment as that date has not occurred yet. I am not allowed to pay in advance. The payment must be auto-deducted from my bank account on the prearranged date. 

My issue is that even though I was never 30 days late, and I have made all the agreed upon payments, today I received notice that Quicken loans has been reporting me as 90 days past due to the credit agencies. Again at no time have been that late on my mortgage. Meanwhile Quicken Loans, also know as Rocket Mortgage have been taking my money on a plan I can not deviate from. 

How is it legal that I can both pay them on time and they can still report me late? That's my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: MS

Complaint narrative:
happened : I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abide by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: MS

Complaint narrative:
happened : I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abide by these laws.

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 2020-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have complained twice with no relief. The last time, I didn't hear for more than a month, which I thought was the maximum before they had to correct their entry. 

Ther is a bankruptcy reported on my credit reports which are NOT me. I don't know who or how, but it must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made what I believed to be a final payment on an Ashley Advantage credit card issued by Synchrony Bank for a purchase made at Ashley Furniture. The payment was made on XX/XX/2020. I received no response, but assuming that because the account was paid off it wasn't unusual to not hear from the company. 

On XX/XX/2020, I received a letter stating that there was an overdue balance of {$12.00}. I immediately paid it. Even though I believed it had been paid off, I didn't want to risk a negative credit report for {$12.00}. Unfortunately, it was reported and shows up as a negative on my report. This negative is affecting my credit rating. 

The account number is ( was ) 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 2020-07-09 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TN

Complaint narrative:
Equifax has not adequately investigated inaccurate information on my credit report. XXXX XXXX and XXXX XXXX XXXX have both reported inaccurate information that has been disputed by Mr. XXXX and his attorney, XXXX XXXX. 

The XXXX dispute has risen from XXXX 's illegal inflation of Mr. XXXX 's bill. Mr. XXXX has no contractual obligation to XXXX. Mr. XXXX has repeatedly notified Equifax that XXXX 's reporting is inaccurate. In their invesigation, XXXX presents their allegations in the form a XXXX generated bill. XXXX has yet to present a contract or any obligaition in writing or with Mr. XXXX 's signature. Equifax has failed to execute due diligence and appropriate investigation into this matter. 

Additionally, Equifax continues to report a paid item from XXXX XXXX XXXX XXXX XXXX XXXX that has both an inaccurate date of first delinquency and status. Mr. XXXX has notified both XXXX and Equifax of the inaccuracy but Equifax continues to report. 

These actions have slandered Mr. XXXX 's good name by causing his credit rating to decrease. Even after notifications, Equifax continues to report these inaccuracies. 

Mr. XXXX demands that Equifax remove the inaccurate items and immediately pay the full sum of {$30000.00} restitution for slandering his good name, failure to accurately investigate credit items, and other damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : SETF/WOFC, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEFENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEFENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
In XX/XX/2020, after completing my annual re-certification for my income-driven re-payment plan, I received notice my payment amount was increasing by over {$200.00} to {$540.00}, despite a minimal-moderate increase in annual income. I called Fed Loan Servicing ( XXXX. XXXX XXXX XXXX, PA XXXX ) and spoke with a female employee who informed me that if I re-applied for a different income-driven plan, the ICR, my payment amount would only increase by approximately {$100.00}. So I did this. Today I received notification that on the ICR repayment plan my monthly payment is {$870.00} instead of the previously quoted {$440.00}. 

I called Fed Loan Servicing and spoke with a male employee who researched the huge discrepancy for me. He was able to determine that the employee in XXXX miscalculated the payment amounts and that in order to have a lower payment amount, I would have to re-apply AGAIN for a different repayment plan. They were unable to provide further assistance or make this change themselves, even though it was their error. 

I have submitted a new application and will also be researching private loan options. My issue with Fed Loan Servicing is that EVERY year I have to call them due to their errors. They give me mis-information often and no employee is consistent in providing assistance. I have experienced paperwork and calculation errors with them since the inception of my loan.

Company response to consumer: Closed with non-monetary relief