vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: BRite Financial Services, Inc.
State: MI

Complaint narrative:
After account was closed with no late payments. Company reported account as 30 days delinquent around XXXX. This resulted in a drop in my credit report. I spoke with a representative who informed me that I would have to dispute it with the credit reporting agency, which I did. This was corrected within 30 days or so. ( Screenshots attached ) Then in XXXX the same account was reported as delinquent and a charge off. I spoke with a manager in the lease end department On XX/XX/13 who informed me this was in fact incorrect and an error on their end. However when I put in a dispute again with XXXX, the company informed XXXX this was accurate which it is not. I received these results today XXXX. This has dropped my credit score tremendously and the company is doing nothing about it when it was an error or their end. 

they also have my credit report stating my account was closed/settled less than full balance. This is in fact not true, I even received a {$22.00} refund from my security deposit. ( Attached as well ) This company has caused my score to drop tremendously and have yet to rectify their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical Data Systems has ( 7 ) collections on my XXXX  report. I have e-mailed, called several times with no response on e-mail and just to be talked nasty to over the phone with false info. These are not my debts. I have called each hospital to confirm this. Medical Data Systems also violated my HIPAA rights. They gave info about each medical charge in detail of what they claim the collection is for. Also They have collections tied to my son on places he has never been before. They gave my personal info to my ex-wife when she called MDS once again violating my HIPAA rights. This will be the last form of communication before I seek legal help to have these removed.

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 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I want to know the amount to payoff my mortgage and the process to complete it but have been advised repeatedly that no one there can do it. I've spoken with Cust Service Reps/dates : XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XXXX ) and XXXX ( XXXX ) and have been advised by them all that they are unable to access my mortgage account to give me a payoff amount. I'm waiting for a call back from a supervisor ( day # 2 ) who I was already told will not be able to help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: GA

Complaint narrative:
Equifax refused to remove a collection account ( XXXX ) off of my credit report. That debt was paid and I sent the receipt to have Equifax remove that tradeline off my credit report. This action is affecting me getting a place to live with my children. I did send Equifax a certified letter which was signed for on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: NC

Complaint narrative:
Equifax has two different credit files on me is my guess. From month to month they keep switching the files. My score or report is never updated or correct. I have tried to call and explain this to Equifax and I can never get anyone to help or fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SLM CORPORATION
State: GA

Complaint narrative:
This has to do with my Sallie Mae Account, I was going through financial hardship in XXXX from the months : XX/XX/XXXX-XX/XX/XXXX ... and unfortunately i was unable to make payments to this account for a few months. I was unfortunately laid off from my employer and was going through a very difficult period of time financially. I took hits that have followed me to this day and I have spent my HARD earned money properly educating myself about credit and the importance of maintaining good/healthy relationships with banks. Since i was able to get back on my feet and on the right track, I have made CONSISTENT payments every single month on time and will continue to do so from this point on. I am asking to receive forgiveness from Sallie Mae from the late payments in : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I plan to continue to maintain a good borrowing history with them, but these negative remarks are holding me back in general.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: MI

Complaint narrative:
After account was closed with no late payments. Company reported account as 30 days delinquent around XXXX. This resulted in a drop in my credit report. I spoke with a representative who informed me that I would have to dispute it with the credit reporting agency, which I did. This was corrected within 30 days or so. ( Screenshots attached ) Then in XXXX the same account was reported as delinquent and a charge off. I spoke with a manager in the lease end department On XX/XX/XXXXwho informed me this was in fact incorrect and an error on their end. However when I put in a dispute again with Transunion, the company informed Transunion this was accurate which it is not. I received these results today XXXX. This has dropped my credit score tremendously and the company is doing nothing about it when it was an error or their end. 

they also have my credit report stating my account was closed/settled less than full balance. This is in fact not true, I even received a {$22.00} refund from my security deposit. ( Attached as well ) This company has caused my score to drop tremendously and have yet to rectify their error.

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 2020-08-05 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: Carter-Young, Inc.
State: GA

Complaint narrative:
XXXX refused to remove a collection account ( Carter-Young ) off of my credit report. That debt was paid and I sent the receipt to have XXXX   remove that tradeline off my credit report. This action is affecting me getting a place to live with my children. I did send XXXX  a certified letter which was signed for on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: ERC
State: WI

Complaint narrative:
To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit. 

XXXX XXXX XXXX Payment Plan XXXX {$14000.00} XXXX  XXXX XXXX Payment Plan XXXX {$62000.00} XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX {$2800.00} Erc Balance {$940.00} COLLECTIONS XXXX XXXX Balance {$320.00} COLLECTIONS XXXX XXXX XXXX Payment Plan XXXX {$6300.00} Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : FiledReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXX : Chapter XXXX BankruptcyStatus : DismissedReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On Friday XX/XX/XXXX I cashed out {$500.00} and {$100.00} through cash app. I got the {$100.00} deposited on Tuesday morning but the {$500.00} is still missing and its now Wednesday morning. Ive tried contacting the cash app through email and both of their XXXX   accounts and Ive gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
We applied to refinance our existing mortgage loan with New Rez on XX/XX/2020. ( NewRez is the current mortgage holder. ). We were sent an email on XX/XX/2020 stating the loan had been approved, and additional documents would be needed to finalize the loan. Prior to approval the appraisal had been completed, financial documents supplied etc. Our originator estimated we would close in XXXX and our savings would be about {$300.00} a month with first payment being XX/XX/XXXX. The problems began during the processing portion. When asked to provide anything additionally we did so within 24hrs. The mortgage company would go weeks without responding to my requests for updates and then ask for duplicate information or no information at all. I had to constantly call or email and copy multiple managers to get any response from the company regarding the status of my refinance. I finally grew frustrated with the lack of response and totally disorganized service from the mortgage company. The loan processor seemed to be starting over with no knowledge of our loan situation and requesting duplicate information. On XX/XX/2020, I emailed the loan processor ( XXXX XXXX ), copied the loan originator, and copied a manager ( XXXX XXXX ). I told them I wanted to respectfully ask for my original appraisal to be returned so I could go to another lender to refinance. I immediately received a phone call from a different manager who asked me to give them 2 weeks to close the loan. I happily said yes, please close! I also asked for a different processor who was more organized. The company complied and all seemed well. I provided additional documentation. Again however the processor communication has gone XXXX. Her voice mail is full and she has not responded to my emails since XX/XX/XXXX. In her last response to me on XX/XX/XXXX she confirmed I had provided all necessary documents and they were waiting on condo document approval. 
This long unorganized process has cost us time and money. The inability to reach anyone is very frustrating. I am concerned because we have provided confidential financial information regarding our personal finances and my husband 's business. Social security numbers, bank account statements and so much private information has been entrusted to this company and multiple individuals within. I am very concerned about the integrity of the company and the risk of information in the hands of so many people, not to mention our monetary loss with the delay. This company seems so disorganized and incompetent. I have had a career as a lender with a bank in the past, I have financed multiple properties over 30+ years and this is the most unprofessional and disturbing financial encounter I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On or about XX/XX/XXXX, XXXX XXXX showed a drop in my TransUnion credit score by 78 points, without explanation and indicating that there had been no changes on my credit report. 

I contacted XXXX and was told that I would need to speak with TransUnion, so I called TransUnion. 

The representative from TransUnion would not give me an explanation for the drop in my score, would not confirm whether the information presented on XXXX is correct, and suggested that they would give me my score for a fee of {$9.00}, or I could go to a bank and speak with a financial advisor who, for a fee, could pull my credit score ( resulting in a hard inquiry and the loss of another 7 points of my score ). 

There MUST be a way that a credit reporting agency, who develops the scoring procedure, does the scoring, and reports the scoring, can explain why their own score for me has dropped so drastically. 

Their ability to arbitrarily drop scores without an explanation is extremely harmful to consumers, and has stopped me from being able to purchase a new car.

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 2020-08-05 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: TX

Complaint narrative:
An account in collections was paid in full XX/XX/17, the XXXX and XXXX had no problem updating the account. Transunion fails to update this account from XXXX XXXX XXXX after being disputed. They continue to validate the balance which is incorrect as well. The managers of XXXX XXXX XXXX have reached out to Transunion in multiple ways and there are still no updates. We can not dispute this account any further due to our mortgage underwriting, and our previous 2 disputes were ignored. We've spoken with 11 different people from Transunion and they are still reporting inaccurate information further affecting my ability to close on my home purchase.

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 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: WV

Complaint narrative:
I am not allowed to link my PNC account with my rent payment system

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I received a letter in the mail from Sequium Asset Solutions , LLC claiming that I owed a debt to XXXX XXXX XXXX, which is not true. The letter, dated XX/XX/2020, says clearly that I have 30 days from the time I received the letter to dispute the debt. I disputed the debt and sent the letter off XX/XX/2020 because I did not receive the letter until some time around XX/XX/XXXX, possibly because of Covid-19 delays with mail. 

Being that I disputed the information, then why was this inaccurate information reported to my XXXX and XXXX  credit reports on XX/XX/2020? This is clearly before the letter was even sent as well as well before the 30 day time frame I had to dispute the validity of the debt. 

The fact that they submitted this debt without validation is a clear VIOLATION of the Fair Credit Reporting Act. I am allowed 30 days from the time I receive the letter to dispute the validity of any debt collection. They did not do that and the credit bureaus did not even verify if the debt was mine. 

Attached to this complaint is the letter that I sent to Sequium requesting proper validation to this debt, the certified letter receipt, and the collection notice I received in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am an authorized user and pay the Chase card in question. However, since I am just a subhuman non white curry XXXX To Chase, I am illegally denied my rewards points or even the ability to redeem them. They then accused me by the fraud department of not being on the account, even though I am and have been for years. I now know how XXXX XXXX felt when he falsely accused and then killed by the white police. To be falsely accused as a person of XXXX when my XXXX family did nothing wrong or ever changed the authorized users is scary, and puts me in fear of my life. Chase needs to cover up misconduct by its white employees, who always get away with operational errors in white supremacist XXXX XXXX world while XXXX employees get the boot for daring to speak on operational errors at JPMorganChase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Merrill XXXX over a 5 week period gave me wrong info on my moms account so It made it horrible to try to convert her single name account to her trust and it took Merrill XXXX 5 weeks and 13 phone calls to even learn Merrill Lynch/Merrill XXXX had their own POA form I had to fill out. I should have been told about this in the first phone call. I have provided all the proper info and for the last two weeks that I found out they were closing my moms investment account when we did nothing wrong. They lied about mailing out the check twice hung up on me once and refuse to send my mother her money. The branch people at B of A are no longer allowed to speak to me. Merrill XXXX is holding {$30000.00} of my moms money and wont move it into her B of A account. My mom and her father banked with B of A for 80 years. I NEED YOUR HELP!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2020-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I filed CFPB complaint XXXX on XX/XX/2020. ( Capital One 360 internal complaint number may be XXXX, as that was the number included on their initial response. ) I received a partial response from the company on XX/XX/2020 ( which I have attached ), but they did not respond to the second part of my requested resolution on the original complaint : " 2 ) Once Capital One 360 has gone through the verification process with the customer who used my SSN, I would like them to inform me of the outcome : a ) whether the account was closed permanently, b ) whether the account was reopened with an updated/corrected SSN, or c ) whether the customer provided information that purports to verify the account using my SSN. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
To start, I asked the mortgage company to remove the PMI from my escrow payment since I was below the 80 % limit. They seemed to have ignored my letter until I filed a complaint with this bureau. After I filed the complaint, they removed it and did a new escrow analysis that calculated that I was {$48.00} short and that it would be spread out into 12 payments of {$4.00} included in my payment. That same analysis also mentioned that if I paid the amount in a " lump sum prior to the effective payment date, your monthly payment will be reduced by the monthly shortage payment amount. '' I paid the shortage of {$48.00} on the XXXX of XXXX ; before the effective date of XXXX XXXX. However, both XXXX 's and XXXX 's statements still included the {$4.00} monthly escrow shortage amount. I called and asked about the discrepancy and was told that sending in an escrow payment " does not automatically trigger a new escrow analysis ''. She refused to straighten out the problem and simply offered to request a new escrow analysis. ( I did let her request the new analysis. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Account was closed and GAP claim was cancelled now my account is back open and no one can give me an answer as to why. 
My car was totaled on XX/XX/XXXX the insurance company overnight a check on XX/XX/XXXX. After waiting several days the check could not be found so I had the insurance company call and Santander said the check went to the wrong address and to wait they'll get the check eventually. I had the insurance company void the check and overnight another check on XX/XX/XXXX. That check was received and the amount posted to my account was short by almost {$700.00}. I spoke with several people and finally the account was reviewed and corrected on XX/XX/XXXX. My account was closed on XX/XX/XXXX and then back open on XX/XX/XXXX with a new balance. And every time I call I get a different answer.

Company response to consumer: Closed with explanation