vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 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: GA

Complaint narrative:
I have requested help on this issue several times. Experian is especially negligent in verifying this account. XXXX XXXX  has consistently reported an account I had with them and opened and closed it depending on the month. I have a letter dated XX/XX/2019 informing me by XXXX XXXX  that my account was closed and sold to XXXX XXXX XXXX at that time. Yet XXXX continued to report my account, usually with a XXXX  balance, for over a year and some months showing 120 days late. This intentional false information supplied to credit bureaus has prevented me from obtaining credit, refinancing my home and increased my insurance premiums. I am outraged that for over a year I have been reported as delinquent by a company that doesn't even own my account with made up late payments.

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 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
AS A ORDAINED MINISTER I HAVE A HOUSING ALLOWANCE OF $ XXXXYR. AMERISAVE, MY LOAN COMPANY, SAYS THAT THIS AMOUNT IS NOT INCOME BECAUSE IT IS LEGAL 501C AND IS NON TAXABLE. 

I WANT TO KNOW WHY THIS LEGAL INCOME IS DENIED AS INCOME FOR MY REFINANCING.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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:
My name is XXXX XXXX XXXX. 
I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

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 2020-10-16 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
My car loan with Santander was supposed to be paid off by XXXX, but due to covid, they extended the monthly payments until the loan was paid off. I paid the final monthly payment in XXXX. There were accrued fees that were never incorporated into the monthly payment. I have continued to make the monthly amount and had a balance of XXXX dollars. I was told the payoff amount and until when it was good. I just received notification that they reported my account as last due by 30 days. I was never notified that I needed to pay the fees by my last due date. I was told if I made the Monthly amount then it would extend each month until paid. I have already requested that the delinquency be removed from my report. I had my father cosign this loan years ago- and this is absolutely ridiculous that they are reporting the final XXXX dollars in fees as late. I was never told that if the entire fee balance was not paid by last due date that it would be considered late. I have paid the balance and I want the delinquency removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I got stuck in XXXX XXXX because of Covid 19. I opened a bank account last year with 5/3rd Bank Corp prior to leaving where I was promised that the account would work without any issues.

Hence forth this has been the furthest from the truth. Because of antiquated and outdated systems 5/3rd blocked access to my account some 11 months ago online and caused numerous problems with. There is never a way to determine if there is theft or fraud - and often I have to hold at least 30 minutes to an hour. 

On XX/XX/2020 I was expecting my account balance to be over {$1000.00} more than it was. Alarmed I contacted the bank only to find out over the past year there was a variance of small but meaningful fraudulent charges that added up to a minimum or {$680.00}. And caused many NSF fees, at the point of discovery the person I spoke with on the bank had told me there was at least another $ XXXX more in NSF 's and not to worry the money would be placed as a provisional credit within 9 business days. 

I called several times to follow up with this and each time was promised that there were no problems. Apparently this was not the case - instead of giving the provisional credit like I was told - they gave nothing and didn't communicate that to someone whom told them he was XXXX miles from home. They cancelled the debit card that was mine, thankfully my son was here in XXXX with me and I had the foresight to add him to the account. 

They didn't give the credit they told me I was getting after communicating that they were. I thinking I had a different balance was using that amount and adding money as needed. In reality 5/3rd intentionally kiting NSF fees once again totaling almost from what I was just told {$490.00}. After I just spoke with them they said it was because the disputed charges were " too old ''. Less that a year mind you, but it was too old. 

This is not acceptable : how can a bank block you from being able to view your account, foreign currency conversion fees are often all over the place which creates difficulty in keeping a register - but even then, if it is communicated that one is told that they have x $ but in fact they do not - that is intentionally kiting a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
I am a XXXX year member with USAA and a retired XXXX XXXX XXXX member My USAA credit card was closed after USAA claims I did not respond to their request about additional information concerning my ex-wife of ten years. I spent numerous hours trying to remedy this situation and finally sent three e-mail directly to the USAA Chief Executive Officer ( CEO ) asking for his personal involvement. The CEO simply handed off my complaint to a staff member who claims it will take " some time '' to resolve my complaint - meanwhile, creditors are attempting to charge my credit card - with charges denied. Rather than reiterate all the details of this fiasco, please refer to the three attachments that I have sent directly to the CEO, XXXX XXXX XXXX. The attachments to the three e-mails I am attaching to this complaint. I understand that your involvement may take some time, but I had hoped that USAA would be more timely and responsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: UT

Complaint narrative:
I went to check my balance today and the history and it turns out all the payments have gone to interest, nothing is being applied to principle, when I asked XXXX if they could at least change the pay dates since i'm negative every time they run the payment he said no, i was told i could adjust it prior if it was to the point where it was hurting me financially and it has been, with everything going on with covid my checks are a lot less and I have asked for help prior and was told they still could not do anything. I asked if we could lower the payment because they offered that prior and now I am told that they will not. The loan was for XXXX i've paid over {$4500.00} i was told i have another year from today to finish paying off the loan leaving it at almost XXXX in total. {$10000.00} in interest is a lot and for the company to not work with you when you have been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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 — Problem with personal statement of dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Between the dates of XXXX XXXX I made a payment in full to XXXX XXXX. A few days after making the payment in full I noticed and collection agency, Aargon Agency reported the debt and was showing the same debt of {$3400.00} was unpaid. I  contacted XXXX XXXX and they confirmed that they do see that the debt was paid, I checked online and the bill is paid. XXXX XXXX also advised that they would report to the debt collection agency that the debt was paid in full. I went the extra step and contacted Aargon Agency and their representative outright bullied  me and claimed I had to pay them when I had already paid XXXX XXXX. So I gathered all of my proof of payment, submitted to XXXX  and XXXX. XXXX is currently working and investigating the dispute. XXXX  however refuses to remove/update my credit report despite me providing receipts and documentation including payment confirmation numbers directly to XXXX XXXX. I have submitted the dispute twice now with the supporting documents and each representative, the last one by  the name of XXXX in XXXX XXXX who refused to give her last name, stated that XXXX verified the debt with Aargon and therefore they would not remove/update my report despite the fact that she sees the payment confirmations.

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 2020-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Ordered furniture on XX/XX/2020 with Ashley Furniture on XXXX XXXX XXXX VA Still waiting on delivery for a furniture for our bedroom. N

O bed, NO dresser, No Night Stand no railings no nothing has been delivered. we have called and called to wait on hold for 30 minutes each time Spoke with XXXX and manager XXXX at store location who assured us items were in and furniture would be delivered on XX/XX/2020 Truck pulls up with partial items to a bedroom. Mind you they ( Ashley Furniture ) is responsible for set up as well upon delivery

. Wet boxes arrived with missing items needed to conclude a bedroom set-up. Called back to store and manager is out of office and Sales mgr is in meetings. How convenient all the while our bedroom has been in a disarray  since XXXX. What a mighty good mess.

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 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Co-Operative Adjustment Bureau, Inc.
State: CA

Complaint narrative:
I have submitted 609/verification of debt notices to co oper adjustments several different times. All letters sent to validate debt were indeed sent certified mail to ensure they received them. I never received any validation for this unknown debt only for them to add interest to the debt,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KEYCORP
State: NY

Complaint narrative:
I had a co-op apartment mortgage ( taken XX/XX/XXXX ) with XXXX XXXX on a unit in XXXX, NY XXXX. It was paid off when I moved and sold the property in XXXX XXXX. My credit report is still generating UCC documents showing this loan under Financing Statement # XXXX ; I need paperwork to be filed to show the discharge of this mortgage. ( Common sense would tell you that nobody keeps a 9+ % mortgage OR  continues paying a mortgage after its 30 year term. ) XXXX was at XXXX XXXX of XXXX, XXXX, NY XXXX, but the company and its XXXX XXXX XXXX. Servicer were sold by the FDIC as receiver ( attorney XXXX XXXX XXXX ) to Key Corp of XXXX, NY in XXXX. Key Corp. in turn merged with XXXX XXXX XXXX XXXX, OH, leaving me unsure where to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX removed 5 accounts ( on XX/XX/2020 ) that were closed from my Equifax credit report before they were to be removed under the FCRA. These 5 accounts shouldve stayed on my credit report for another 2 years. Ive contacted Equifax and they stated that XXXX requested to have them removed. I then contacted XXXX and they said they didnt remove them and after they looked into it stated that the accounts were closed and shouldnt have been removed for another 2 years but wouldnt place them back on my credit reports. When they were removed it dropped my credit scores by 39 points because they were my oldest good standing accounts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CT

Complaint narrative:
My car loan with XXXX was supposed to be paid off by XXXX, but due to covid, they extended the monthly payments until the loan was paid off. I paid the final monthly payment in XXXX. There were accrued fees that were never incorporated into the monthly payment. I have continued to make the monthly amount and had a balance of XXXX dollars. I was told the payoff amount and until when it was good. I just received notification that they reported my account as last due by 30 days. I was never notified that I needed to pay the fees by my last due date. I was told if I made the Monthly amount then it would extend each month until paid. I have already requested that the delinquency be removed from my report. I had my father cosign this loan years ago- and this is absolutely ridiculous that they are reporting the final XXXX dollars in fees as late. I was never told that if the entire fee balance was not paid by last due date that it would be considered late. I have paid the balance and I want the delinquency removed 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 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
On or about XX/XX/XXXX I received a final payoff notification of our new mortgage which I had requested. The payoff was calculated for payment as of XX/XX/XXXX and the address to which payoff was going was in-state approximately 100 miles away. On XX/XX/XXXX I withdrew the requested funds and purchased a money order as instructed and mailed the check immediately. On the morning of XX/XX/XXXX the check was returned due to insufficient funds even though the amount was what was requested. I called immediately and through much confusion was finally told that the payment was not received/processed (? ) until XX/XX/XXXX and therefore was nonsufficient. I will not believe that it took 2 weeks for that check to arrive but they only argued that it was late and it was my responsibility to have it there on time and they would not even consider the date stamps from the USPS showing pickup/delivery. I now have had to travel 15-20 miles back to the Credit union to cancel the check and draw a higher amount due to additional interest as well as pay an additional {$25.00} to wire the funds to eliminate any further problems.

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 2020-10-16 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: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out :  XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach.

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I had a vehicle that I had voluntarily repossessed in XXXX from Credit Acceptance Corporation because I fell on hard times and could not pay for the vehicle. Fast forward to today and I am trying to get a small home loan for like {$75000.00} and that is the only thing on my report preventing us from getting a home loan. This debt is being improperly reported as late payments instead of a charge-off which is how it is supposed to be reported. Please help, as in getting a home loan, it will help me get a lower monthly payment for living and then I can pay off more debts owed with the extra money I will be saving on rent vs. owning.

This is the information of that account : Account No. : XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CO

Complaint narrative:
XXXX XXXX  XXXX XXXX continues to mark my credit report as 30 days late even though my online records show the on time payment was definitely made from my XXXX checking account. I don't deserve this mark on my report and even though I've explained this to them as well as file a dispute with all of the major credit agencies, they refused to remove the incorrect information and continued to apply penalty late fees.

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 2020-10-16 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I submitted a complaint on this website in XXXX. I received correspondence with how I would like for this to be resolved. I received my points back but the late payment still applies on my report. This is the complaint. Credit acceptance stated that on XX/XX/XXXX. XXXX that did a auto pay for my car loan and the bank rejected it. I provided documentation that money was in my account and that the bank never rejected any money nor was a freeze on my card. The bank rep stated that CA most likely made an error because they would not have rejected my payment. Ive had this loan since XXXX and have not been late. This company has no compassionate even during a pandemic. I owe almost XXXX on this car loan. I need for them to to take responsibility to their error. I thought it was paid because all of my auto pays automatically are paid with no issue. CA notified me at the end of XXXX to tell me that payment was not received. I immediately paid worth the same card. I need for this late payment to be removed. Im trying to avoid lawyer and court fees but thats the next step.

Company response to consumer: Closed with explanation