vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 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:
Old information reappearing on my Transunion 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 explanation
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
I had an issue with my Mortgage company XXXX XXXX XXXX which is now XXXX reporting a late payment in XX/XX/2017 which was inaccurate, I received a letter from the mortgage company saying that they sent in to all three bureaus to fix the derogatory remarks. Yet I see Transunion and XXXX is still reporting this under the XXXX. This is inaccurate.

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 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
We wanted to pay our Escrow ourselves starting in XX/XX/2019. It is XX/XX/XXXX and they are still taking money and putting it into escrow. We have contacted them each month to discuss the issue, and they will not resolve it. On the phone, they understand ( sometimes ), they have made mistakes, but when the bill comes in the mail, it is still not correct. Getting through to them on the phone has been an issue as well. Each person is new and does not understand the history behind the loan. 
We need to resolve the issue so NO escrow is taken from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Denial of promotional bonus. 

Opened a checking/savings account combination under a promotion which promised a bonus after certain activities were met. 

I met all the activities yet the company refused to credit the bonus. 

The company admitted that I qualified for the bonus in an online chat but then when I created a case to look into why it wasn't credited they sent a letter saying I didn't meet the conditions. 

However I did meet all the conditions and I have the statements to show 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 monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made a prior authorization with this company in the past on XX/XX/2019 and that was all agreed to take from my card {$500.00} now fast forward and on XX/XX/2019 they illegally took {$4600.00} without my consents. Someone forged my signature and I tried disputing the charges and my bank ( Santander ) and they keep giving me a XXXX  XXXX excuse to my denials to contact the business but they are in XXXX Fl ( XXXX XXXX place ) and no one is returning my calls or responding to my voicemails. I have been calling everyday and I get hung up on or sent to voicemail or left on hold for hours. My bank wont help me or fight for me and this is too much money to loose. I have the signature from my 1st transaction I did authorize for {$500.00} ; then 7 weeks later they charged me and forged my signature the XXXX handwriting doesn't even match. I was robbed and need my bank to get my money back.

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 2019-06-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: OH

Complaint narrative:
They are trying to make me pay them for a homeowners policy while I carry my own policy. Theirs may be more expensive and have lesser coverage. When I originated the loan I agree with another company that I would carry the insurance. Since the loan in six months has been sold to them I am being hounded over insurance and they want to force additional costs onto the loan. I see where law suits have been brought in Massachusetts over this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would just like everything removed from where is says " Personal Statement '' on my Experian 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 2019-06-11 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: FL

Complaint narrative:
my problem is that the XXXX XXXX opened 2 loan accounts in a single car and it is really a single account. This caused that in my credit report 2 loans appear when in fact it is only one.

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 2019-06-11 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: N.A.R., Inc.
State: UT

Complaint narrative:
North American Recovery # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
Reference my prior CFPB complaints ... Discover Card has not only failed to close my account they are illegally and fraudulently and without my permission monitoring my loan activity through other banks and financial institutions. My attached documents will show evidence of this illegal and fraudulent surveillance/monitoring of my loan activities by Discover Card since my last CFPB complaint XX/XX/2018. My attached documents will show evidence of this illegal and fraudulent harassment via " alert '' emails and texts by Discover Card since my last CFPB complaint XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is knowingly and inaccurately reporting false information to the 3 CRA 's. I had an unpaid charge off for XXXX dollars on a XXXX dollar credit card that became delinquent when I became unemployed in XX/XX/XXXX. On a credit report dated for XX/XX/XXXX, Capital one shows and open date XX/XX/XXXX and a Closed Date XX/XX/XXXX. I agreed to settle this account for XXXX dollars under the agreement that the balance be updated to XXXX and the account status be updated to paid. As of XX/XX/XXXX the account was promptly updated on my XXXX and XXXX reports to reflect a XXXX balance and paid status. They then REAGED the charge off account by updating the close date to show XXXX which is incorrect, since the account was closed in XX/XX/XXXX. Furthermore, the balance on my XXXX Credit Report was NOT reflected to show a XXXX balance, in fact the balance looked as though I had only paid XXXX dollars of the balance instead of sticking to the agreement to update the balance to XXXX, I had to call capital one and file a dispute to which they sent me a letter admitting to inaccurately reporting to my 3 major credit bureaus and agreed to immediately update the account on all 3 bureaus. However the update sent to the CRA 's on XX/XX/XXXX is still inaccurate as the " Closed date '' on my XXXX credit report still states XXXX where as the other 2 reports still have XX/XX/XXXX. This major and inaccurate update to my credit reports cost a significant decrease in my Fico Scores and in turn cost me my mortgage. I have disputed this account with the CRA 's as well as capital one on NUMEROUS occasion and they are refusing to report this account accurately. Capital One needs to remove this account in its entirety from my credit reports due to inaccurate reporting and non compliance with FCRA Guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like my fraud alerts removed from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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.

Complaint narrative:
equifax, XXXX, XXXX : number of accounts with Delinquency, serious delinquency, length of revolving accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.

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 2019-06-11 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: Byrider Franchising, LLC
State: AR

Complaint narrative:
There are two accounts on my credit report for the same auto loan. 
The company is CNAC  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX They also performed a hard inquiry on my credit when I defaulted on the loan amount and my car was repossessed. 
Date : Inquiry fromXX/XX/2018 was not aware of this nor did I authorize. Not sure what I can do to resolve these

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.

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 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove these inquiries. They do not belong to me. I did not authorize. Please check the attached document. Please also place an extended fraud alert on my credit report. As I see a few items I did not authorize on my most recent 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 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Hello, I purchased a course valued at {$190.00} on XX/XX/2019 with my citibank double cash back credit card. I had automatic payments set to be executed on the XX/XX/XXXXof every month. The bill was due the 10th of every month. Unfortunately, the auto pay failed to execute and I had to manually pay the bill today XX/XX/2019, which was one day late. This mistake in the auto pay system decreased my XXXX score by XXXX points to XXXX and my XXXX score by XXXX points to XXXX. After I saw my score, I immediately changed the auto pay date to the XX/XX/XXXXt of every month. 

I called citibank, but they did not know how to deal with the problem. They told me that my auto pay plan did pay it on time, but I saw no statement update to prove this. I have provided pictures of my credit score, credit statement, and auto pay plan.

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 2019-06-11 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: CL Holdings LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On Wednesday XX/XX/XXXX, I saw a post on XXXX for XXXX XXXX XXXX XXXX tickets. I contacted the seller and she told me the tickets were still available. She asked if I had a XXXX account to be able to accept the tickets, which I do. She then asked if I have used Zelle before thru my bank. I have used it 1 other time for sending to a family member. We agreed on a price for the tickets and she told me they were ready to be sent to me thru the XXXX online ticket exchange. I authorized the payment and she told me the tickets were on the way. After about 10 minutes of not seeing anything, I contacted the seller and she went dark. No answer, no response and the phone was turned off. I immediately contacted Zelle to stop the payment and was told be their customer support that I would need to contact my bank directly and they have nothing to do with the transaction. They also told me, well this app was designed to pay only friends and family and shouldn't be used to pay for goods. There advertising says something different. I immediately contacted my bank, XXXX XXXX, and was told that the transaction already went thru. There is nothing they could do. With the hype of the sporting event, I guarantee she scammed several people, without any action taken against her. The thing that really makes me angry is they have her name, phone number and bank account but yet will do nothing about it. I am out {$430.00} from this incident and will never even consider using their service ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove these inquiries. They do not belong to me. I did not authorize. Please check the attached document. Please also place an extended fraud alert on my credit report. As I see a few items I did not authorize on my most recent credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please place an extended fraud alert on my credit report. I have noticed a few fraudulent accounts on my most recent credit report. Please allow remove these inquiries. Please check review the document I attached below.

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 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
RETALIATION. My credit card issuer retaliated against me by closing my credit card account because I disputed an unauthorized charge.

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 2019-06-11 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: NC

Complaint narrative:
I have disputed the reporting of the XXXX XXXX XXXX account # XXXX**** on multiple occasions ; however, the bureaus continue to report a past due amount for this account. I have never had a contract with this collection agency. I have never been past due with XXXX XXXX XXXX, yet this is still being reported. Each time I dispute the accuracy of the reporting of this account, it comes back as verified. The bureaus are reporting inaccurate and financially detrimental 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 2019-06-11 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.

Complaint narrative:
XXXX, Experian, XXXX  : number of accounts with Delinquency, serious delinquency, length of revolving accounts

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 2019-06-11 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid 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 non-monetary relief