vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need to remove the hard inquiries from XXXX  since they denied my credit increases and ran my credit when it should have been a soft pull. I feel I was misdirected or mislead it has impacted my credit score a lot.

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 2019-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I only owe {$57.00} to XXXX-Comenity Bank. On XX/XX/XXXX, I made a payment of {$27.00} and on the same day I was charged a return fee. On XX/XX/XXXX, I made a payment of {$33.00} and on the same day I was charged a return fee of {$25.00}. 

Comenity bank claim they could not find my bank information thus the reason for the two returned fees. Comenity bank never notified me by mail nor called me. I only found out about the late fees because I logged in to make a payment on XX/XX/2019. On XX/XX/2019I made a payment of {$60.00}. I was assured this would cover my XX/XX/XXXXpayment as well. Again, never was told about late fees or not being able to locate my bank etc.. Sadly, on XX/XX/19I was charged a late fee. Comenity bank lied when I asked if {$60.00} would cover XX/XX/XXXXand XX/XX/XXXX. 

Also, I found out Comenity Bank HAD A WRONG NUMBER listed. According to their records the number they had listed on my account belonged to a XXXX. I had to FIGHT with them to correct my phone number and to convince them I was not XXXX. I don't even know a XXXX AND I have had the same phone number for years. 

Ever since Comenity bank took over my XXXX account, my account has been a mess. I want the fees reversed. I want the credit bureau notified and a positive report made. 

My credit rating dropped 26 points because of Comenity bank 's error. This has to be rectified. 


Thank you in advance, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander Bank closed my checking account on XX/XX/XXXX without offering any explanation and any warning. The bank only posted a letter in my account online ( attachment, page 1 ) on XX/XX/XXXX indicating that " we have processed your request to close your account. '' However, I never requested to close the account and I did not even receive an email indicating that the letter was posted. When I called the bank, the representative could not explain why the bank closed the account and only mentioned that the bank has the right to close the clients ' accounts anytime and supposedly the bank sent me a letter a month in advance. 

The bank mailed me a letter on XX/XX/XXXX, although dated XX/XX/XXXX and without any electronic record ( attachment, pages 2 ), indicating that " we reserve the right to close any account at any time, and for any reason. As a result, we have made a decision to close your account ( s ) '' ( attachment, page 3 ). I also received a similar letter ( attachment, page 4 ) dated on XX/XX/XXXX, indicating that " Santander Bank has made the decision to close your account. '' These letters contradict the ( original letter page 1 ) and they seem to be created by the bank to give the impression that the bank already alerted me. 

My complaint is that the bank closed the account arbitrarily without any previous warning during the XXXX break, and this originated a very difficult situation. I was traveling abroad for the holidays and could not get to the USA until the beginning of XXXX. In the meantime, all my payments were not accepted and I had to pay several fines as I could not move my accounts to another bank on time. Additionally, the moment that the bank closed the account, I lost an interest rate discount on my HELOC account which had a credit limit of {$710000.00}. Hence, I had to pay a higher interest rate ( 0.26 % ), and closed my HELOC account paying an early termination fee of {$450.00}, a satisfaction fee of {$53.00} ( I do not know what this is ), and two fax fees of $ XXXX/each ( attachment, pages 5 and 6 ). As the additional interests that I paid for 4 months until I closed the HELOC account was {$610.00} and the total fees were {$500.00}, the total financial effect was {$1100.00}. 

I was able to get a new mortgage for my home with XXXX XXXX XXXX, so my credit scores were very good ( >740 ). Additionally, the XXXX report did not show any irregular situation for my wife and me, and I justified large movements of my account with my branch manager. So, there was not an apparent reason to close the account. The only possible reason is a retaliation of the bank because I filed a report with CFPB on XX/XX/XXXX for charging me an unjustified flood insurance fee.

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 2019-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I made phone payment to my mortgage company Freedom Mortgage XX/XX/XXXX. And received notification late yesterday in writing that my payment was never made. Call customer service and yesterday evening confirmed account information from checking that the payment was reversed and to call my bank. Call my bank and confirmed no payment or not reversal was ever made. Call Freedom again today and was told that payment was take but the wrong bank account information was take at time if process ; and pull the phone records and claim I verbally gave the incorrect account number, but confirmed my payment/account information used every month was correct on record and refused to correct the derogatory reflection on my account or the credit report even after bringing account current despite the representative inputting and not confirming account information before processing the initial payment.

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 2019-05-25 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: CA

Complaint narrative:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CBNA failed to respond to 3 challenge letters showing that I owed the debt and everything was accurate.

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 2019-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I paid off our student loan back on XX/XX/2019 in the amount of XXXX. 
we were told the check was sent to the dept of education in Georgia. That is not correct, it was XXXX XXXX XXXX, XXXX, XXXX We have the cancelled check, as well as the XXXX receipt. They continue to bother me and my daughter with harassment calls and emails. The next step is to pursue litigation. We have never had a late payment on our record.They continue to add interest to the account and this reflects on the three credit bureaus. I don't have the time to monkey with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: CA

Complaint narrative:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2019-05-25 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: CA

Complaint narrative:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2019-05-25 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: AL

Complaint narrative:
The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I attempted to check my credit score. My SSN wasnt accepted and so i wasn't able to apply for a loan. I was also denined completing my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: AL

Complaint narrative:
The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/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 2019-05-25 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: AL

Complaint narrative:
The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX 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 2019-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I open a business checking account with Suntrust bank in XX/XX/2019 and make 3 deposit between 3 days total amount of XXXX and the same day that I receive my debit card I couldnt activate the card and when I call customer service they said that my account was terminated and if I want more information about it I have to visit the branch when I visit the branch they tell me that my account was closed but the banker said there was any note noticing why they terminate the account, she call someone through the phone and the person said in speaker that they cant tell me why but they just cut the relationship and business with me but in a couples of days they would send a check with my money and a letter letting me know that they close the account because they cant give me my money back in the branch, they havent send the check or the letter and I even use the account as a young entrepreneur and father of a family im very frustrated because this was my startup business and my first payments received and I lost the clients and potentially income ( around {$85000.00} ) i even want to continue with my business Im very disappointed because of the unfairly and discrimination against clients by this institution Im making a call to CFPB to investigate this institution because if you do some research this is not the first time that Suntrust banks do this unfairly actions against clients they let people open accounts and make deposit and in a time lap of 3 to 5 days they closed and hold the funds for several days or weeks without any concrete or reasonable reason

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 2019-05-25 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: IL

Complaint narrative:
This account is on my report but it does not belong to me. I have given a police report & completed the identity theft report for this fradugelent account. I keep informing Experian that this is not mine but they continue to keep this account on my credit report. XXXX XXXX XXXX XXXX account XXXX does not belong to me & do I have any knowledge of this account or gave any company permission to open an account in my name.

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 2019-05-25 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: IL

Complaint narrative:
I have called TransUnion and notified then that the following accounts do not belong to me and they are fradugelent. I have sent them a copy of a police report and an identity theft report in the past but they continue to leave these accounts on my report. These accounts do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DeptED/XXXX XXXX, DeptED/XXXX   XXXX, XXXX XXXX XXXX, DepED/XXXX   XXXX. I have provided proof but nothing has been done to stop this information that does not belong to me from being report on my 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 2019-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
They did report my debt to credit Bureaus without investigation, It made horrible impact in my credit history and I lost loan that I was working for while! 
They found out amount of debt was not correct!! So they changed bill but they never send me new bill until XX/XX/XXXX and I paid same date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: BB&T CORPORATION
State: FL

Complaint narrative:
I reached out to the company to check the status of the account. Due to the account reading differently on all credit reports. Stating that it is a charge off/profit loss/write off/ sold to collection agency. The representative told me that the account was still with them and tried to receive payment. From my understanding if the account was written off/profit loss. The debt had been paid in full to them and that i would now owe the collection agency XXXX whom they sold the debt to on XX/XX/2018. During this time RAC reported to the credit bureaus that I owed them XXXX XXXX.Even though they no longer held the contract. While going over my contract i noticed that no where in the contract i gave them permission to share my information with a third party. It states that all collection activity would be from RAC. This is a breach of contract. Also if the account is still with them it should be listed as closed with a balance. Not as a charge off/ write off/sold to collection ; along with a balance. This violates my FCRA for inaccurate reporting. Also the company violated my cease and desist request by contacting me through the mail along with XXXX contacting me through the mail, when told not to during a previous CFPB complaint. This is also a violation of FCRA.

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 2019-05-25 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: NC

Complaint narrative:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: NC

Complaint narrative:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX   XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 2019-05-25 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: NC

Complaint narrative:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 2019-05-25 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX ( Original Creditor : 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 2019-05-25 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: NC

Complaint narrative:
The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with this company ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
XXXX XXXX ( akaXXXX ) is misrepresenting a situation.

I got a call today XX/XX/2019 from a lady wanting to serve me papers at my residence. I told her come on i was home. She insisted on giving me XXXX XXXX phone nimber XXXX and a claim number XXXX. Within 5 minutes both my sister and ex-husband called saying she had called them also telling them i was being served for not paying a debt and to call mr. XXXX. Lady never came. I callef mr XXXX and he wanted to talk about an old moneykey payday loan from years earlier where i had already filed a cease n desist.

Company response to consumer: Closed with explanation