vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: IL

Complaint narrative:
In XXXX and XXXX of 2019, I experienced an overwhelming number of technical difficulties with the XXXX XXXX App, specifically regarding to processing payments. I was told that the system glitches from time to time and that I would not be held responsible for the late payments. Fast forward to now, I have paid late fees for both months and my credit is being reflected as if I actually paid late. This does not count the fact that XXXX XXXX still to this day has the wrong address on file for me after I have updated it multiple times.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My car was totaled in XXXX. The insurance company contacted XXXX XXXX XXXX to get payoff so they could send the payment for the balance of the car. XXXX XXXX sent payment to XXXX XXXX. The car was paid off but XXXX XXXX continues to report negative information on my credit report. I have called them to ask them to update the report and they told me they don't handle the credit reporting. As of today 's date the information is still inaccurate and the balance is inaccurate. I had Gap insurance to cover the balance but they will not update it.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My car was totaled in XXXX. The insurance company contacted XXXX XXXX XXXX to get payoff so they could send the payment for the balance of the car. XXXX  XXXX  sent payment to XXXX XXXX. The car was paid off but XXXX XXXX continues to report negative information on my credit report. I have called them to ask them to update the report and they told me they don't handle the credit reporting. As of today 's date the information is still inaccurate and the balance is inaccurate. I had Gap insurance to cover the balance but they will not update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Eastern account systems has continued to old medical bills, that have pass the statues of limitations and it should not appear on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was under forbearance agreement due to XXXX and it was ended by the end of XXXX with Citizens One Home loan. I did pay XXXX, XXXX, XXXX, XXXX, XXXX and XXXX during XXXX and XXXX. 
Citizens One reported me as 90 days late and this reduce my credit score by 120 points.

I was in the processing of refinancing my home loan with XXXX XXXX XXXX. XXXX XXXX XXXX asked Citizens one for payoff balance for over 6 weeks and they couldn't got the payoff balance from Citizens which caused more delay. I spoke with Citizens many times that I am in the middle of refinancing my house, but the didn't give us the payoff balance till the beginning of XXXX. All this delay impact my credit score and XXXX XXXX can't refinance my loan because my credit score is very low. my credit score dropped from XXXX to XXXX. I filed a complain with Citizens One and they said it will take 3 weeks to make a decision which it could be not fixing this issue. 
My loan number is XXXX. 
Could you help me to adjust and fix my credit score to be able my home loan. 
my wife and I are essential workers in the medical filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a goodwill intervention letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, XXXX, XXXX, and Equifax and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: ID

Complaint narrative:
A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a goodwill intervention letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, XXXX, Experian, and XXXX  and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company advised XX/XX/XXXX was being removed from credit profile allow 30 days it went past that I contacted the to follow up XX/XX/XXXX again their reps reconfirmed that XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX were being corrected and should be reflected on my credit profile XX/XX/XXXX they were not I cancelled insurance and additional warranty features representative stated multiple times those would push back payments when they received the lump some check the rep was advised to have been provided a company coaching as she handled improperly and account was messed up from reps removing payments and reposting citing they needed to to remove late fees as their system is old and it is their only way. 

They were showing payments during times where no payments were made had my info mixed with another their system is down often and when I got the vehicle I was advised it could be converted to automatic by XXXX whom I contacted they advised no when I advised during 48 hours we no longer wanted I was hung up three times and transferred place to place saying consult dealer than dealer sent me back synchrony so nothing but the run around

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 2020-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc.
State: NV

Complaint narrative:
I am disputing a debt fr om Com Trade. I have no knowledge of this account nor am I connected to this debt whatsoever. This debt was sent to the wrong person and I want it gone immediately. Overview You have 145 % left to pay on this collection.
Balance {$4400.00} Highest Balance {$3000.00} Opened XX/XX/2016 ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XXXX I looked at my credit report from XXXX, XXXX  & XXXX  & I noticed two medical collection for XXXX XXXX XXXX being collected by Transworld Systems Inc. One in the amount of {$270.00} & the other of {$420.00}. I do not deny that this debt is mine, but I also do not recall owing anything as well. That same day XXXX I sent a simple debt validation to TSI/ Transworld Inc in order to verify this belongs to me. I also sent a letter on the same date to XXXX, XXXX, XXXX  asking them to verify this is truly  mine. I patiently waited and after over a month I have not received any response. I sent the same letters again asking for my right to know. At this point it has been well over two months & I have not recived a response from either the collection company Transworld Systems or the credit reporting agencies. I have nowhere to turn with this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is a follow up to a previous complaint # XXXX. I am pasting here the text of an email I just sent to Experian regarding ongoing issues with the company, including harrassment. 



XXXX XXXX XXXX XXXX XXXX XXXX Attachments XXXX XXXX  ( 5 minutes ago ) to support To whom it may concern : I have made several complaints about your Experian Boost program, specifically the failure of the program to adhere to the policies expressed on your website. After months of my payments for my utility bill and other bills which are easily seen being made monthly .. I have complained on your facebook messenger account and via twitter. I did this after I was apparently blocked from complaining on your website. I have had my credit rating change for the better over months from what it was, but it appears there is an intentional effort to hold me in a fair credit rating ... My credit rating was raised by 2 points on more than one occasion, Last week after I complained to you and after frustration to the Consumer Financial Protection Bureau, the CFPB mailed my complaint to your agency who said they were waiting for your response., ... Subsequently in a couple of days I received a notice saying congratulations for doing a good job, my credit rating was raised by one point, I also received a notice saying I was now eligible for a different credit card,,,,, the other cards were removed and a new high interest card with fees was added. 

In addition a couple of days later I received a package in the mail .... Upon viewing the package there was in red writing " XXXX XXXX XXXX XXXX XXXX '' When I opened the package, ,there was indeed a XXXX pamphlet. There is no denying it was from your agency because the stamped address was XXXX. XXXX XXXX XXXX, Texas, XXXX ... .However, the company name was not on it I am attaching photos of the envelope and pamphlet. 

This type of behaviour by employees of Experian should be unacceptable, I hope someone with moral character/credibility will respond to me with an apology and solution for the ongoing problems I have faced ... This is a systemic issue ... as I have faced other problems over decades with your company and other credit reporting agencies .... Truth crushed to earth shall rise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas 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 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a checking and a savings account as advertised on the Citibank site to receive an account bonus. 

The requirements were to open the accounts from their site using the XXXX Now button, fund the account with $ XXXX and keep funds in the accounts for 60 days and then receive a bonus of {$400.00} within 90 days. All requirements were completed on a timely basis as required by Citi. The accounts were funded on XX/XX/XXXX. 

In attempting to collect my bonus I was told that I needed to provide documentation since Citi claims that their system did not provide a bonus code at the time of my application. ( I have no control of their system ). I tried resolving this issue by messaging, they have a trail of  same ) and also by phone calls to no avail. 

A similar bonus offer which is attached is currently being offered through XX/XX/XXXX on their website. Their offers are basically offered perpetually for 6 month periods on their websites so they can verify that very easily. 

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 monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Responded to advertisement on XXXX on XX/XX/2020. The advertised rate was 2.5 % for a 20-year fixed rate mortgage with no points or other upfront costs. After going through the pre-approval process, Ally Bank 's real rates were nowhere near the advertised rate. When I called to get an explanation, they said they were not actually offering the advertised rate. I told them I would submit regulatory complaints for blatant bait and switch. They said " good luck with that ''. They later followed up by email to say they wanted to " run some options by me ''. I responded to say, I'd be happy to proceed on the basis of the advertised rate. They have not responded at all since their original email. I also note that the same  false rate was still advertised on XXXX today and that Ally 's real rates have not changed significantly since yesterday.

I am a prime borrower, with high income, lots of cash savings and pristine credit. I refinanced previously and have never seen advertised mortgage rates so out of whack with real rates. All of the information I submitted to Ally Bank was the same as what I  submitted to XXXX. The loan I requested would be a 40 % LTV, 12 % DTI conventional conforming loan. It shouldn't get any more straightforward than my situation. I am attaching screenshots from  XX/XX/2020 at around XXXX PT as evidence.

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 2020-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
My husband and I have been trying to refinance our VA loan. Chase was our lender. Chase sold our mortgage to XXXX XXXX in XX/XX/2020 on our house.Our new mortgage broker from XXXX XXXX XXXX XXXX XXXX and our title company XXXX XXXX found two liens on our house through a credit check. One is a mistake. We do not have two liens on our house.XXXX. XXXX was notified and Chase as well. Apparently it is showing that Chase had original lien and were the ones that added that second lien by mistake.My broker and I have been dealing with Chase for two weeks now. They say they are not my mortgage lender anymore and have researched this problem and that they are not the problem and that We need to talk  to XXXX XXXX about this because they are our current lender. Chase is not releasing the second lien that was filed in their error. This second lien needs to be removed before we can get this refinance done with XXXX XXXX XXXX. We are loosing money due to Chases negligence. We have called several times and get no where. I keep asking for a supervisor but all they say is that they can email one and they can get back to us within 24 hours and that there is no phone number to call talk to a supervisor higher than the one I talked to. She just gave me the Chase number and said that if I called that again that they'd tell me the same thing that she is telling me. Today I even told them that I wanted to file a formal complaint. She said that  they have already researched this and they can't do anything else for us. Wouldn't even take my complaint. We need this resolved and Chase is being very uncooperative. Our new mortgage broker told us to file this complaint so this can get resolved. as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
After disputing several accounts in on XX/XX/2020 with Transunion, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX XXXX   and they haven't. 

XXXX XXXX - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX SC - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX/XXXX  XXXX  - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US.

Any assistance will be greatly appreciated.

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 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hello, my issue is with M & t bank. Back in XX/XX/2020 I recieved a SBA loan for my XXXX  that I am XXXX XXXX of, everything was fine I was rebuilding my XXXX  everything was going well. Until XX/XX/2020 my account was frozen. I was told it could take 48 hours to review. I patient ly waited, heard nothing from them called back for them to tell me they had no new information. So of course I offered to give them my LLC, EIN, and loan application which I emailed to the bank  manager XXXX XXXX. I call literally every single day up until last week when I was told the bank manager would be going on vacation. Then started back calling everyday just for a update. The 1800 # as well as rhinebeck back, have no information. I've asked for a time frame. Still nothing. So now its been over a month and their withholding my money that I am paying interest on.

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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i received a letter stating I could make payments as low as {$25.00} bi monthly and the representative stated that I needed to pay half the debt and then could make payments so he began to demand {$1800.00}. My industry was shut down for 8 months, XXXX. California. I offered {$25.00} a month and then in 3 months {$50.00} a month and in 3 more months {$75.00} a month and so forth as we are moving to reopening. He demanded {$1800.00} which I don't have. No where in the letter does it state that you must pay off half of your debt in order to begin a payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have notified Experian numerous times that I AM A VICTIM OF IDENTITY THEFT

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