vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
ComenityBank/XXXX - XXXX is reporting an erroneous late on my credit file. I recently checked my credit file and noticed this late notation. When this late happened i was unaware that my payment was late so i called in and spoke with a representative from Comenity Bank. I paid it off in full and the rep said my account WOULD NOT have a late on there. I have been a customer for a long time and i have NEVER been late. I need Comentiy Bank to follow their word and remove the late that shouldn't be there to being with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/2020 I was in my XXXX XXXX app and i saw a credit card advertisement from citibank for their double cash credit card. The offer states that there is 0 % APR for 18 months. I applied for the card and was approved. I received the disclosure in the mail 2 weeks after. The disclosure states that the 0 % APR only applies to balance transfers and that the regular APR for purchases is 23.99 %. This was not what was advertised to me and the sole reason i applied for the card was the 0 %. i called the institution on the day i received this and was told that there is nothing they can do as I should have read the " fine print ''.

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 2020-08-25 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: TX

Complaint narrative:
remove fraud alert from credit file XXXX  Transunon 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 2020-08-25 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:
remove fraud alert from credit file XXXX  XXXX Experian

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 2020-08-25 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: OH

Complaint narrative:
Equifax should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and SSN card for identification purposes to continue the investigation of this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: DE

Complaint narrative:
in XXXX I filed for chapter XXXX because of a potential foreclosure. For 5 years we paid BSI directly for our mortgage payment. The trustee paid the company the money owed for what we were behind. In XX/XX/XXXX we successfully completed bankruptcy and creditors were paid. BSI signed off that we were now caught up and no money was owed. Then approximately a month later we received notice that the mortgage was going to increase an additional XXXX for a year due to a shortage in escrow. BSI was immediately contacted because for one they signed off no money was owed. We were current on monthly mortgage and the trustee paid arrears. BSI first stated they miscalculated amount owed for tax and insurance. This isn't true because our attorney said that our payment to the trustee needs to increase monthly to assure that all arrears were paid. We went from XXXX plus to XXXX plus in payments to trustee, this was for approximately 5 years. Since we paid the monthly mortgage payment directly to the lender the taxes and insurance were paid. The trustee was also paying BSI. There was no way that there could have been a shortage, plus they signed off that we met all requirements and nothing was owed. With the additional monthly amount of XXXX and what is currently going to escrow BSI is taking XXXX a year. When our yearly escrow is XXXX, the difference of XXXX that is being paid to BSI. On XX/XX/XXXX BSI was contacted again to see how much longer the additional payments were owed and to once again see why. The individual I spoke to was " XXXX '', he could not explain why additional money was being taken, nor could he see any arrears, and we are definitely paying too much. He acknowledged we are paying XXXX a month for escrow which is a yearly amount of XXXX. The escrow is XXXX a year, therefore there is a XXXX over charge. No one can give us any answers they just keep taking the money. With the way the economy is, it's difficult to pay extra money when i don't have too. I hope someone can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
On or about XX/XX/2020 we received a loan approval from Loan Depot. They had pulled my credit report and were fully aware of my credentials. 

The " lock Date '' was to expire around XX/XX/2020. I was told the loan would take about 45 days to close. 

During the period from XXXX XXXX beginning of XXXX very little was done to move the loan forward. Only until we were within a 14 day- one week within the loan termination date did Loan Depot start requesting documents. ( Example of email communication is attached herein ). 

I had my title clerk prepare the documents the Loan Depot requested. We emailed them all the paper work they requested with rapidity. 

I gave them everything they'd asked for, preparing all title work and setting schedules to accommodate a forthcoming closing. The day before the lock end they called to inform me because of something that had occurred over ten years agon, they were not going to give us the loan. 

They could have told us that back in XXXX. I want to know why it took them almost two months to come up with a reason to reject the loan. I also want to see supporting documentation to support their claim. 

I would also like to know for certain this has nothing with my age. Writing a 30 year loan for someone at my age may not be something they are interested in and they can just come up with a reason to reject the loan. 

Either way, they would have been aware of this long before they strung me out for almost 2 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Transworld Systems XX/XX/2019 - {$74.00} XX/XX/2019 - {$140.00} XX/XX/2019 - {$330.00} XX/XX/2019 - {$62.00} XX/XX/2019 - {$180.00} XX/XX/2019 - {$180.00} I have called repeatedly and explained that I never recieved notice through the mail of the debts to be disputed. I have called and requested verification of the debt from the original provider of service & have not recieved any information. They argue that its HIPAA law and dont have access to basic information to send to me, origional date service, amount due, provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: ID

Complaint narrative:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: TN

Complaint narrative:
Experian and XXXX  should not be reporting me as a authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-25 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
My Mortgage has been transferred 4 times, the original mortgage was with XXXX. The current service provider is Select Portfolio Servicing. In checking my credit report over the last 19 months that I have been with this company, they have not posted my payments. My loan has not been late with them nor the other service companies. The credit bureaus listed payments ; however SPS says they will not report to the bureau my payments because I filed bankruptcy in 2010. However, I did not file bankruptcy against my home. I have talked to many people over the phone and all state that I have to reaffirm the home. My response is I did not file bankruptcy against my home. They instructed that I would have to get an attorney. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I received my consumer report consisting of 148 pages of inaccurate information that either belongs to someone else or is completely incorrect. I have made several attempts to request LexisNexis to provide a description of the procedure used to determine the accuracy of every single item / record in my report for accuracy and completeness and they have refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: ID

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-25 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: First Technology Federal Credit Union
State: MI

Complaint narrative:
I have an account with First Tech Credit Union., In XXXX  2020 First Tech Credit Union reported a 30 day late payment on my credit card account. 
The XX/XX/2020 Late Payment is incorrect as I have this account set up on Auto Pay. I have contacted First Tech by mail, and by phone, They have not corrected the late payment, and this late payment is causing me problems in refinancing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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'm not familiar with this a account XXXX XXXX # XXXX, please provide method of verification and validation of debt as I did not receive notice to dispute this information. Also, I have sent Certified mail to this company and received no response. As this company is no longer in business as well. 

Please Deleted ASAP.

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 2020-08-25 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: NJ

Complaint narrative:
I returned my XXXX at the end of XXXX. When I tried to refinance My mortgage, I checked my Credit and saw that XXXX had been reporting my payments delinquent XXXX, XXXX ... ... :. Till XXXX. I called at least 6 times and sent letters. They cleared it but still reporting XXXX and XXXX as unpaid. Im on the phone now with them and the woman said there is no one who can help me. She is so sorry!

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 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I purchased tires for my car in XXXX of XXXX, I used a credit card SYNCB/Car Care Town Fair ending in # XXXX. They sent me monthly statements initially and I paid the bills fine. In XX/XX/XXXX they stopped sending me monthly billing statements, I called and let them know I was not receiving a bill. They refused to send me bills. I'm a senior citizen and I don't use online banking or bill pay or email nor did they mention that i had to pay in this manor. The debt was sold to XXXX XXXX.They refused to send statements. I filed 2 complaints with XXXX XXXX that I had a right to receive a billing statement and they agreed. The account was resolved at that time in XXXX and it was reported paid in full. Now they calling me and harassing me about paying this debt that was resolved back in 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 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: AZ

Complaint narrative:
I am trying to close a refinance with Provident Home Loans and they are requiring verification of employment. This is not a problem, but my wife and I work for XXXX XXXX companies that use the XXXX as verification of employment. We have provided that information to Provident but they are saying that is not acceptable and is requiring us to get email from our boss that we are employed after we have signed the closing documents. That is against our companies policy. We have supplied evidence that we are employed thru current pay stubs but Provident is refusing to fund the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: TX

Complaint narrative:
After several months of disputes with the Transunion there appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Transunion continues to report these accounts on my credit report. I've never owned any credit cards with XXXX  XXXX XXXX, The XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Transunion should be held accountable.

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 2020-08-25 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
We/ Daughter had moved out of an Apartment At XXXX XXXX in XXXX Ca XXXX We thought our daughter paid the last rent, which she did not, I XXXX XXXX went into the apt office and paid it in person had the manager initial the payment made, however they had already reported this to XXXX XXXX for collection, upon them calling me I told them that this had been paid and to contact XXXX XXXX , I sent them a copy of the Check that had been initialed fast forward almost one year doing a refi and this pops up on my credit score, i had an 800+ credit score before this and am really upset that this in on my report now There manager XXXX XXXX was very rude and I lost my temper with her, at that point she said Im going to just file this as a non payments, I called the apt complex and they said they would fix this and they could not just file a complaint because they were paid Thats it, i have cancelled check from last year, i have initialed check from last year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from 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