vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is the second time this bank has closed an account after they have provided a line a credit. First it was on a Wayfair account, then a couple of weeks later they offered another credit card through BJ XXXX XXXX I have made payments and charges on this card They now have closed that account on XX/XX/21 for no reason and have refused to provide any answer 's to questions. This has had an have impact my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: FL

Complaint narrative:
XXXX XXXX XXXX report my account 30 days late in XX/XX/XXXX. I have never been late on this account and valid payment history and statements validates my complaint. I made a large payment on XX/XX/XXXX of {$500.00}, XXXX XXXX failed to apply XXXX 's payment and place the total amount of {$500.00} towards balance. This in return cause my account to be reported 30 days behind. This is there error with their automatic system that failed to apply amount due and rest of payment towards remaining balance. I am unable to speak to a live person at XXXX XXXXXXXX, they forward the inquiry to a different department who you are not able to contact directly. This complaint has been filed with XXXX and XXXX, they have resolved this issue. My file with XXXX and XXXX is showing no late payment history based on supportive documents I submitted to validate perfect payment history since 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 2021-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
Someone open an account in my name fraudulently. I called the company they can provide no account that exists in my name but they keep telling the credit bureaus that the info is correct. I gave them the account listed on my credit report and still unable to locate any info that says I have an account. This is completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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:
Entry on report for " XXXX '' with a balance over {$2000.00}. This account was discharged through a chapter XXXX bankruptcy in 2019. I have provided all three bureaus the discharge paperwork and am also attaching it to this complaint with XXXX highlighted three times. There is a XXXX balance on this account yet it has been reporting as balance due for years. I have submitted disputes to the bureaus but because they don't read my correspondence and instead use computers, they aren't seeing what I'm saying and are auto-verifying. I can not get a mortgage while this erroneous balance exists on my 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 2021-05-07 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: NJ

Complaint narrative:
Entry on report for " XXXX '' with a balance over {$2000.00}. This account was discharged through a chapter XXXX bankruptcy in 2019. I have provided all three bureaus the discharge paperwork and am also attaching it to this complaint with XXXX highlighted three times. There is a XXXX  balance on this account yet it has been reporting as balance due for years. I have submitted disputes to the bureaus but because they don't read my correspondence and instead use computers, they aren't seeing what I'm saying and are auto-verifying. I can not get a mortgage while this erroneous balance exists on my 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 non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

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 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX and XXXX of 2021 I contacted transunion to notify them that the social security number reporting on my credit report was incorrect/or an error but it has yet to 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 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
Debt has been paid and is still in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT FOR UNLAWFULLY OBTAINING MT XXXX AND EQUIFAX CONSUMER REPORTS ON BOTH XX/XX/2020 AND XX/XX/2020 WITHOUT MY AUTORIXATION OR A PERMISSIBLE PURPOSE UNDER THE FCRA. I HAVE MAILED THE FOLLOW LETTER ATTACHED TO YOUR OFFICES VIA USPS CERTIFIED MAIL TRACKING NUMBER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: UT

Complaint narrative:
Convergent please provide the physical documentation you provided to Experian on Report NumberXXXX. Informs reported has to be 100 % verifiable and 100 % accurate under federal law. EOSCAR doesnt support sending physical documentation to the credit bureaus. Please provide proof of what documentation you sent to Experian through the CFPB portal. I have a legal right to know what physical documentation you sent to the credit bureaus since you verified this account to 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 2021-05-07 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 have been working on repairing my credit score in order to be able to purchase a home. I have successfully paid off all my debts and all the collections accounts on my report. Instead of increasing just like the other credit bureaus, Equifax has dropped my score by 61 points altogether and no one is able to tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
XXXX promoted {$100.00} bonus for depositing $ XXXX. I deposited $ XXXX on XX/XX/XXXX. XXXX reversed the deposit on XX/XX/XXXX. They told me at the time the reversal was due to potential fraud concerns. They assured me if I redeposited at leas $ XXXX within 10 days I would get credited the {$100.00} so I redeposited $ XXXX on XX/XX/XXXX which they credited to the account on XX/XX/XXXX, 9 days after their reversal. I called hem today to find out why the {$100.00} bonus was still not posted and the their " customer service '' dept. is claiming the code " they see '' is the reversal was due to to NSF. That is completely INCORRECT as I can prove I had sufficient funds when the original $ XXXX deposit was made ( just like I had sufficient funds when the {$14.00} deposit was made 9 days later ), coupled with the fact that I already knew the original reversal was due to their fraud department improperly reversing the original deposit!! This has been nothing but a hassle and XXXX from the thieves. I complied with all terms of the offer, they have my money, and their information is either incorrect or they are simply lying to me to avoid paying me the {$100.00} bonus they owe me. SHAME ON THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( CPS/MAIL, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Credit Acceptance, XXXX Card ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2021-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: MD

Complaint narrative:
Emailed by someone named XXXX XXXX presenting themselves as an attorney for Speedy cash service department of payday loan. They state that I will be legally prosecuted in the Court House within a couple of days. My supposed charges are : UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER They also state that my 'case ' is under investigtation with major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: PA

Complaint narrative:
I took out a grain loan in 2020 and set up automatic payments from my bank account. Unfortunately I had to switch bank accounts and that is where the problem started. First of all, Grain is only for XXXX devices, which was fine when I had an XXXX, but after that device broke, grain offers NO way to access your account. Not through XXXX, not through their website, not through an automated call, nothing. So I called, I would wait on hold for 30 minutes only to be disconnected because " no one is available ''. I emailed several times asking how I can pay as I was now several payments past due. Grain couldn't answer a phone or respond to an e-mail but had NO problem reporting my late payments on my credit report. I FINALLY got someone to send me a one time invoice, which I promptly paid, and brought my account current.

When it came do again, I started the whole process again, I emailed and asked for a similar link, no response. I called, hung up on after a 30 minute hold time. I even tried borrowing a friends XXXX  to log in, and I can't update my bank account in the app and I can't get past the " confirm bank account '' screen, for a bank account I no longer have. So I emailed again, no response. 

Now they're going to end up posting MORE late information on my credit when I have done every bit of due diligence possible to make this payment. They are forcing their clients to suffer for their inadequate customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, there is a medical collection from XXXX XXXX XXXX of an amount of {$130.00}. I have sent Equifax a dispute back on XX/XX/2021, it has been more that 30 days and they still have not verified the account. Per the fair credit reporting act law, they had 30 days to verify and if they are unable to they must delete it. I also NEVER received a letter from XXXX regarding a verification of debt. Now they have a derogatory on my credit report which is affecting me on getting credit because of this negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Good morning, so I entered into a forbearance plan couple months back, and have now several times getting off the forbearance with no success, I even had a rep tell me it was ended to then make a payment later realizing it was not ended in fact my payment was spread out somehow that I can not see how, due to the way the page looks when you are under a forbearance. I have called 3x to 4x now trying to get off of it, with no luck I have gotten 2 answers from reps stating manages have gone home for the day and can not approve at moment to then be told I can receive a call back the next day and never received one.

I am not sure how this is to play out if they wont call and I can not get straight answers when dealing with them on the phone line. I have been wanting to make a pmt of half of the XXXX I owe, am staying in the property as I have been and explained I'd like to get onto repayment plan in which case a pmt would be made as soon as I ended the forbearance, to no avail I'm still stuck in this situation with them and don't know what to do, please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: NJ

Complaint narrative:
Entry on report for " XXXX '' with a balance over {$2000.00}. This account was discharged through a chapter XXXX bankruptcy in 2019. I have provided all three bureaus the discharge paperwork and am also attaching it to this complaint with XXXX highlighted three times. There is a XXXX balance on this account yet it has been reporting as balance due for years. I have submitted disputes to the bureaus but because they don't read my correspondence and instead use computers, they aren't seeing what I'm saying and are auto-verifying. I can not get a mortgage while this erroneous balance exists on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i made a few purchases online with debit card while inside the USA. they resulted in international transaction fees. these transaction were with my own checking funds not bank money. these charges were online ( and in dollars not foreign money ) so there is no way to establish the location of the company in normal everyday business. allowing this theft of funds to continue is basically turning the internet into a reverse slot machine where any transaction may come back with a {$60.00} charge. again it was my money, in dollars and i never left the USA.. 

the bank told me international charges are non negotiable period. 


they know this is theft thats why they have a policy of no negotiations.

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 2021-05-07 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: Veros Credit, LLC
State: FL

Complaint narrative:
I have a loan with VEROS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VEROS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and VEROS with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation