vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 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: OH

Complaint narrative:
XXXX  XXXX XXXX is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX Equifax and XXXX  still shows an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
the date they have as the opening date of the account is wrong, they indicated that i had the debt in XX/XX/2014 which was wrong, it was way before that and they refused to send the copies of the documents i signed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: FL

Complaint narrative:
my credit report on XXXX XXXX shows 3 hard inquiry 's which i disputed with XXXX  as unauthorized. their response # XXXX dated XX/XX/XXXX indicated the " results were a factual record of file access ''. they advised contacting the creditors " if you believe this was unauthorized ''. multiple phone calls resulted in refusal of any of these companies to either justify their inquiry with evidence or to request its removal from my credit record. they are XXXX XXXX XXXX Ca XXXX XXXX, XXXX ; Institution Information XXXX XXXX Ca XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XX/XX/XXXX. 
In each case the companies transferred me to multiple departments and attempted to require me to document details of the questioned inquiry 's and of course I do not have any such details such as which of their customers or departments triggered the inquiry.

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 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This debt was put into judgement in XXXX XXXX, NY  in XX/XX/2013. I told several people who called from this company but that has not stopped the repeated calls. This week I have received 23 calls from this company, personally, I find that excessive to say the least. Most of the employees are incredibly rude and threatening, all have had same line of I was going to be served by the sheriffs dept. and possibly arrested. This debt was not mine as I was a victim of identity theft. I filed all necessary paperwork after the fact, I didn't even know about the judgement until I went to apply for a car loan.

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 2019-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased a product from XXXX XXXX using their store credit card for the amount of {$48.00} so I could take advantage of the holiday sales promotion and accumulate more key rewards points on XX/XX/2019, within a few hours, I received an email stating that my purchase was shipped to my home address. Today XX/XX/2019 I would like to pay my XXXX XXXX credit account down to XXXX ( the total amount of this product purchase ) I am not being allowed to pay my balance of {$48.00} online through their credit account payment system. I am also not being allowed to pay my credit account through the phone. Both platforms say that I have no balance due at this time even though my available credit has been decreased by the {$48.00}. I believe that they do this so that I can forget about making my payment and they can charge their monthly finance fee and interest. Any other department store including XXXX, XXXX allows me to make a payment to my credit account right after making a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX is reporting an account that is {$210.00} that is not mine to XXXX  and XXXX. This account does not belong to me, I have never received any documents or information on this account. Please stop reporting this bad information. This bad information is harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: IN

Complaint narrative:
The title company, First American Title Insurance Company, sent the closing documents, including SSN, address and financial information, via unsecured and unencrypted email. If my personal information is obtained from the unencrypted email could result in identity theft. 

The title company is negligent in handling this type of very sensitive information. Contact the company but they do not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: OH

Complaint narrative:
XXXX  XXXX XXXX is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX XXXX and Transunion still shows an outstanding balance.

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 2019-12-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX XXXX  and XXXX  still shows an outstanding balance.

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 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Creditors Bureau Association Placed a collection on my credit report as of XX/XX/2019 for an amount of {$1100.00} for XXXX XXXX XXXX XXXX which was opened in XX/XX/2019. I have never used this service nor taken by ambulance within this time frame. I have disputed this debt with XXXX XXXX because I believe it is fraudulent debt they are trying to place on my credit report that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Smoky Management, LLC
State: TX

Complaint narrative:
Tried making payments and something happened that they didnt take anymore payments. Now almost 8yrs later they calling me after i had my credit cleaned up and brought a home. They called me like the were the county of XXXX and had something for me it was really a collection company and gave wrong SS # first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
My car lease was for 3 years. When I returned my car at the end of the lease the GM Inspector said he has never seen such a pristine looking car in all the 20 years he has been inspecting. I realize that there was a Disposition fee and the end of the lease thinking they would take in to consideration on how clean the car was when it was returned but when I received the bill they wanted the entire balance paid with in 2 weeks.. XXXX is 2 weeks away and I'm on a fixed budget. I pleaded with them to make payment arrangements. The balance is {$520.00}. This money was for my children 's XXXX. We are not rich and can not possible make that payment. They offered to cut it in half. Pay {$260.00} today and the remainder the following month, but added another {$10.00} fee! Who is running this company ... MR.XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: U.S. BANCORP
State: AZ

Complaint narrative:
Elan financial insists on reporting my wife and my account with them grossly incorrectly on all six of our credit reports. This has been going on for over a year now.I have sent them proof that they are reporting it incorrectly, but they will not change it.This is a credit card through Deer Valley Credit Union, but they have it serviced through Elan Financial ( which is an outside company ) .The credit union and I have called them several times and sent them documents proving they are reporting it incorrectly, but they ignore all disputes we send them. The credit union has had several problems with them to the point that they are considering handling their credit cards themselves and getting rid of Elan altogether.I am trying to get my house refinanced but it can not be done because of this one account.I lost {$100000.00} on a down payment on an RV because I can not get a loan for the RV because of this one account.Most mortgage companies are aware of Elan 's very bad reputation and suggested that I contact you in this matter.This company has put me in a very bad financial situation to the point that I will have very little money for XXXX. I have had to pay for legal help ( which I can not afford ) to solve this problem. If I could get my home refinanced, I was getting cash back to pay for medical bills do to 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 2019-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX. Also 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I have disputed with the three credit bureau 's many times and had zero luck getting anything updated or accomplished. I have spoken many times to Wells Fargo associates in executive office as well. I applied for a mortgage earlier this year and was turned down because of a Wells Fargo Credit card charge off that is reporting on my credit report. I do not think this debt is accurate or mine. I had to settle for half of the debt in order to move forward with a mortgage. Wells Fargo collection department said it would update to paid in full. It is still reporting inaccurately on my report. The charge off date is incorrect because I paid the card in full in mid XXXX. The credit limit was {$1900.00} dollars. The balance was at around {$900.00} that was paid in full in XXXX. The highest amount reporting {$2100.00} dollars, of which I have paid {$1000.00} to settle a bogus debt. Now I also had a checking account with these folks which was my only account that I used to make payments to this credit card account. Every time I have tried to get credit card statements ( I have never received a statement since early XXXX ) I am denied and routed to the " collections '' department. I have also tried on the checking account side of things to gather statements from the old checking account with no luck. I know there was no payments authorized for this card since I paid the account in full in XXXX. One representative said that payments continued to be applied to credit card from " savings '' account all the way into late XXXX. The worst part is I didn't even have a savings account with Wells Fargo or any debt against this credit card for that matter. This has cost me major time, money, and stress. I had to settle for a higher mortgage rate, I have hired agencies to clear this up, and I have spent my own man power to try and tackle this issue. Please help a consumer out against these corporate scammers.

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 2019-12-06 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: TX

Complaint narrative:
Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are  being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : Equifax and XXXX  2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  3.  AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : Equifax, XXXX   and XXXX  4. Account Name : XXXX XXXX   XXXX Account Number :XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: ERC
State: MI

Complaint narrative:
Enhanced Recovery Sytems is reporting an account to XXXX   and XXXX  for {$190.00} this does not belong to me, I have no knowledge of what this is, and never done business with this company. This bad information is negatively impacting my credit. Stop reporting this bad information to my credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: NY

Complaint narrative:
I have been disputing this XXXX Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my experian because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract. 

They never stated who the original creditor was the Contract shows multiple names but never mentions XXXX it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly. 


The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the Account

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 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX 4 credit inquires for a car loan to apply was denied but i did not authorize the approval of the application to be applied for my mother decided to apply for both of us and used my information

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 2019-12-06 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: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-06 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: FL

Complaint narrative:
I have been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
My complaint against Mr. Cooper Home Loans is that they routinely block extra principal payments and misapply funds. Here is an example of an extra payment on principal being blocked. Ive made 3 phone calls this month to ask for the funds to be applied appropriately and yesterday I spoke with a supervisor, XXXX who said I should be able to make extra payments now. She coded my account to apply extra funds to the principal. 
On XX/XX/19 I paid my lender paid expense over the phone with a representative walking me through the process on the web site. From their drop down menu, I chose how the funds were to be applied specifically to the Lender Paid Expense account but they STILL misapplied the funds! 
Today I went to pay {$500.00} extra, but their web site is blocking me saying that I have to pay my regular mortgage payment first ( I paid it 4 days ago ). 
I was late on one payment in XXXX, ( first time in years ),  and it took multiple phone calls to get them to apply the {$69.00} to the actual late fee that was over the last few months. 
Last year, they mishandled an Escrow shortage payment, ( which I paid on time ). I spent hours on the phone plus sent multiple emails to get those funds applied correctly.

Company response to consumer: Closed with explanation