vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-17 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: NY

Complaint narrative:
i have submitted an Identity theft report from the FTC website to XXXX twice already, i am about to send the third one tomorrow, they have responded they they will NOT remove the fraudulent accounts on my credit report which i have no knowledge were they came from. They have also refuse to provide any evidence behind their claim. i need these accounts removed immediately, i was not even in the united states when this accounts were open in my name, i also have addresses, phone numbers and names that do NOT belong to me and the refuse to remove them, harming my ability to obtaina fair credit score and report. please assist me in this matter.

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 2020-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC
State: MA

Complaint narrative:
I called XXXX XXXX XXXX XXXX. In XXXX ma.We were doing a ac upgrade and some electrical upgrades. The Financial institution that this company uses is greensky.The loan amount was in the range of XXXX, some were in that ball park. The loan was going to be in my name and my husband as well. My credit score is in the fair category, XXXX, XXXX, somewhere in that range. My husbands is XXXX. We were going to put down XXXX which is half of the loan amount and finance the rest With this we got denied. I understand that my credit report has issues, but my husband does not, they advertise that a credit score of as was told to me XXXX, the website says XXXX, I may have not qualified but I dont understand what the problem was with my husband. No reason was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: AES/PHEAA
State: TX

Complaint narrative:
I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called Fed loan servicing to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the XXXX is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have Few CD 's with BBVA Bank. I asked them to close and credit the fund to my money market account. I followed all their instruction. 
Even after all that I called them and they would not take care of the problem. I had to call them 5, 6, even seven times and they credit the fund after 7 to 8 days. 
I want them to pay the Interest at my cd rates for those days. Also not following my instruction and westing my time I would prefer to be compensated for the time and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
When I started checked and disputed some errors with TransUnion on XX/XX/2020. At that date, my report still showed that I was authorized user for XXXX, XXXX XXXX and XXXX XXXX platinum. After my first resuft came out and I checked my report on XX/XX/2020, my XXXX XXXX/XXXX  ( account ending XXXX ) was deleted from my credit report. Then, I filed dispute again to get the errors fix, but when the new result from my dispute on XX/XX/2020, my XXXX XXXX platinum ( account ending XXXX ) and XXXX XXXX ( account ending XXXX ) is deleted from my credit report. I call XXXX and XXXX XXXX to find out what is going on, but they told me that they always report to 3 credit bureau even you are only the authorized users from the account. Now I don't know how to dispute these 3 accounts because they are no longer in my credit report. I also attach some evidences to support my complaint. The result of their mistake make my credit score drops and get high interest rate if I decide to apply for new 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 non-monetary relief
Consumer complaint received 2020-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We applied for mortgage forbearance due to COVID 19 with NewRez mortgage ( Shellpoint mortgage ). On their website they list one of the options of having the payments added at the end of the mortgage loan. We were approved for forbearance, but when we called them NewRez mortgage, a.k.a Shellpoint mortgage, told us we will have a balloon payment at the end of 3 months and then we can apply for a loan modification ( no guaranteed approval ). And NewRez stated we can not add the missed payments to the end of the loan. We were lied to and completely mislead. We have a government back loan with XXXX XXXX. A balloon payment will not help us nor anyone us in this situation. And only 3 months is noting enough time, should be 6 months as stated in the CARES Act. We do not want a loan modification. We want our payments put on the back end of our loan. Thats not hard to do and NewRez/Shellpoint mortgage is being difficult and misleading many consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please see previous complaints that were lodged against Regions during the process of obtaining our mortgage and how the amounts changed from amounts originally quoted to the day of closing. Now, a year after our closing - our monthly payment increases by {$150.00}. That's over 10 % a month. This creates a real hardship for my family - all because Regions under forecasted our monthly payment in order for the numbers to look lower at the closing table - another deceptive tactic which has been deployed by this company. Please review previous complaints XXXX and XXXX both of which allege unfair, deceptive, abusive and unethical business conduct. A full investigation and examination should be conducted into this financial institution 's oversight function and compliance management system. I continue to receive letters from their legal team stating there is nothing wrong but where is their Compliance Department? This is a complete failure of any sort of second line effective challenge. 

Consumers depend upon accurate loan estimates and closing disclosures ( that's why regulations were put into place after all ) in order to be able to manage their finances. If we can't depend on those, how can we expect our consumers to be able to service their debt and the economy to not implode, causing a repeat of XXXX? 

Additionally, I am a XXXX US XXXX XXXX XXXX, serving XXXX. I have had multiple issues with the servicing of this loan. See complaint 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 2020-05-17 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: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Midland and XXXX XXXX XXXX XXXX is both reporting an account as late 120 days yet there is no late remarks at all. This is absurd and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There are few unauthorized charges on my account and couple transactions with other issues. I have been trying to use Amex website to solve the disputes but most of the time it just does not successfully get the information through. Following transactions on my American Express XXXX XXXX have issues and should be disputed and credited to my account : ( XX/XX/XXXX ; XXXX & XXXX XXXX XXXX ; {$1500.00} ; Unauthorized transaction. The generic documentation provided by Amex not showing anything useful about what the charge is for. I have not received anything from XXXX & XXXX XXXX XXXX. ), ( XX/XX/XXXX ; XXXX XXXX XXXX  ; {$170.00} ; Unauthorized transaction. The generic documentation provided by Amex not showing anything useful about what the charge is for. I have not received anything from XXXX. ), ( XX/XX/XXXX ; XXXX XXXX XXXX  ; {$560.00} ; Unauthorized transaction. ), ( XXXX XXXX ; XXXX XXXX MD ; {$73.00} ; Order never received. ), ( XXXX XXXX ; XXXX ; {$600.00} ; Merchant not accepting a return within return period )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
in XX/XX/XXXX I applied and received an account with Capital One Bank USA NA through XXXX XXXX. I have had 100 % On Time payments. They shut my credit card down I first noticed XX/XX/XXXX. When I called and they claimed that my account was being reported as fraudulent or ownership as fraudulent. I called all of the credit bureaus and nothing was found as being fraudulent for any reports of fraud. I did what they asked and wrote them a letter along with my personal information proving who I was for investigation. I have not heard from them but since then they have removed the information from my credit report which has dropped my credit score by 55 points. The account was never fraudulent. All of the credit bureaus also informed me that Capital One reported this as being fraudulent. I filed an original complaint about Capital One with the XXXX XXXX XXXX, they have not responded. I also have a car loan through Capital One to which they are reporting false information I've never had a late payment on that account either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17 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: TX

Complaint narrative:
I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my XXXX  family? Please I need help.

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 2020-05-17 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: TX

Complaint narrative:
I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.

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 2020-05-17 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: FL

Complaint narrative:
Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA 's. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ceannate
State: FL

Complaint narrative:
Financial management is trying to collect on behalf of XXXX University. I did not attend school for the amount they are asking for I was an online student and already paid them XXXX  with students loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have called countless time after paying my installment in full, the issue of XXXX XXXX XXXX XXXX   representative providing misinformation. When I originally signed up for the loan it was because it did not ding your credit score. Fast forward a couple months, I was laid off and that was communicated. The representatives that helped me XXXX & XXXX both said that, we do not report to the credit bureaus, if I can make a payment itll stop me from going to collections thats the only way itll affect my score. Thinking that two representatives were telling the truth I did exactly what was instructed. Then after the loan is paid off in full, they then furnish the late history which reflected in a credit score drop. If this was communicated originally, I would have bit the bullet and paid it in full to prevent dishonest practices.

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