vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have not been issued a credit for items returned via mail. I have contacted the online return department and have been met with very strange replies. I feel my returns could have been stolen be this area, as I can not get a straight answer even though I have given them the receipts with detailed notes several times. I am always given a pat answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Attempted to make an ACH payment and PNC would not enable it to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and needed to be deleted from my credit.

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 2020-06-10 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: AR

Complaint narrative:
I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent 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 2020-06-10 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: FL

Complaint narrative:
My XXXX/XXXX  Account is still showing as OPEN on Equifax ONLY. I've opened 3 disputes in the last 2-3 years to have this corrected as this account was closed TWO years ago. I'm now in the home loan process & this error is preventing my family from having a place to live. XXXX/XXXX  has sent multiple letters and updates to Equifax however, it's been two years and they still haven't updated it. I have now opened yet another dispute yesterday but we don't have time to wait another 2 years.Can you please update or delete? Our family is counting on you during these already unprecedented times. It's been 2+ years - can someone please help. I've called so many times to no assistance. See attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CA

Complaint narrative:
For the past 6 months I have been trying to get Experian to erase a fraudulent XXXX account off of my credit report. I have tried calling, mailing, and online disputes. I have a FTC identity theft report and a police report. They refuse to take this account off of my credit report and informs me the information is 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 2020-06-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent 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 2020-06-10 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
PNC will not allow transfer to XXXX. I'm trying to pay a local vendor. This is frustrating to not be able to use my money as i see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: GA

Complaint narrative:
There are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( Equifax ) Incorrect Name : XXXX XXXX ( XXXX, Equifax, XXXX ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX/XXXX  - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX  XXXX - Opened XX/XX/XXXX Balance. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: GA

Complaint narrative:
There are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX XXXX ( Experian, XXXX, XXXX ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX/XXXX  - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX  XXXX - Opened XX/XX/XXXX Balance. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 — Investigation took more than 30 days
Company: Mercedes Benz Financial Services
State: DE

Complaint narrative:
Hello and thank you for taking the time to review the complaint. According to XXXX  Mercedes Benz continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys APP failed to process a scheduled payment. I need proof of the results of the investigation that they claim they did. I need names and dates. I have never been 30 days late and I am not sure why macys is playing games with this. I already spoke with their IT department and was told that the app does fail sometimes. I also was not contacted to inform me that the payment had not processed. So there are many issues here, but I need the proof and results of the investigation with names dates and times, so I can prepare to move forward to the next level. 

Macys reported a late pay without notification in the middle of a national pandemic. My husband is a XXXX XXXX  and I had XXXX, so while we are XXXX  XXXX, macys is reporting inaccurate late pays in an effort to ruin a persons credit. 

I am fighting this to the end because the payment was scheduled to process and macys failed on may levels. PLEASE PROVIDE PROOF OF INVESTIGATION! 

MACY s is in violation of my rights! what they are doing is terrible!

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 2020-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ULRS, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 we tried to contact United Legal Group to follow up from a previous conversation concerning an incorrect invoice and that we have never received any status reports. XXXX XXXX verbally harassed us by calling our office repeatedly ( minimum 10x ). His language was abusive, vulgar, and included statements like the following, " I hope you get the coronavirus ''. Additionally, he stated " he would service the accounts and not pay us '' also prank calling and pretending to be XXXX XXXX. We have video evidence of these calls. Very unprofessional all around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
Complaint ID XXXX-XXXX  Still I am not satisfied with the company response. According to the recent company statement I started in XX/XX/XXXX with a balance of {$350000.00} and my outstanding principal balance today is {$330000.00}. After paying {$32000.00} in 12 payments from XX/XX/XXXX to XX/XX/XXXX. If I see their amortization schedule my principal should be less. ( I will to attach with this letter. ) after paying 12 payments in 9 month, I paid {$3000.00} for 7 times and 5 regular of {$2200.00}. I paid three extra payments of XXXX from XX/XX/XXXX, to XX/XX/XXXX by 4 month. Then from XX/XX/XXXX to XX/XX/XXXX I started paying regular XXXX my regular mortgage payment, because they don't use my extra money toward my principal. why is my principal that high still don't know I am missing more than {$2000.00} in my principal. 

The company sent me a paper copy and also on their website there were too many additions and too many subtractions, that doesn't make any sense to me how they come into this balance Looking at the outstanding due it doesn't look to me okay that's why I called the company again and again they did not correct it, now I asked XXXX as a third party to look at the account and tell me if it is okay. I will attach all of my documents, you will tell me if I am saying anything wrong. 



Thanks for your help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am trying to close my Amex Green Card ending XXXX but apparently there is some system issue preventing Amex from processing my request ( per chat representative on XX/XX/2020 ). I am trying to close/cancel the Green Card and have them mail me a check to refund remaining negative balance on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I pay my mortgage through Bill pay with my bank to Select Portfolio Servicing. 
I switched banks and on XX/XX/XXXX, I sent {$100.00} as a test. On XX/XX/XXXX, my bank sent a check for $ XXXX for payment. The servicer shows receiving the check on XX/XX/XXXX and cleared my bank on the same date. However, they only show it applying to my principal in $ XXXX increments. On Tuesday XX/XX/XXXX, I spoke with 'XXXX  ' and he claimed they received a check, it was in processing, but didn't know what to do with it ; that I did not instruct them what to do with it ; that they wouldn't call or inquire about it, but maybe eventually they would. He said he would tell them to post it against the principal. On XX/XX/XXXX, I called again because only another $ XXXX was posted against my principal. I was told by 'XXXX ' that their system only allows up $ XXXX to post UNLESS, I made a payment by phone which comes with a fee that they might waive if I was applying all of it to the principal. She assured me that I should see that all of it will be reflected by XX/XX/XXXX. 
The original check was 1 check for $ XXXX sent XX/XX/XXXX and that they are posting against the principal in $ XXXX increments. They show receiving it but not applied to the principal. I do not understand how 1 check can be broken up into 6 different parts over 6 days. The answers I receive are vague when I question how doing it by phone will credit my principal in the full amount but sending by check or electronic transfer is limited to $ XXXX per day. 

This is SelectPortfolioServicing. 
From their website : " If you are current on your loan, and you pay us more than this month 's payment, the excess amount is used to reduce any fee balances first, then the principal balance of your loan. Any time additional money is applied to your principal balance, your loan may be paid off faster, assuming you continue to make your payments on time. 

If your monthly statement shows Past Due Payments, and you pay us more than this month 's payment, the excess amount is held in an unapplied balance until the balance reaches the amount of a regularly scheduled principal and interest payment. We then take the amount out of unapplied balance and apply it as a monthly principal and interest payment. '' I am current and my account does not show Past Due Payments. I have continually paid more than the scheduled payment and they have always applied it without question or holding. This was a large payment and they are holding it in unapplied funds, letting out $ XXXX at a time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: EQUIFAX, INC.
State: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I sent over my amount of monthly payment. I sent {$200.00} for a payment of {$160.00} with a note to use full amount of check towards my balance and to please mail me a receipt. My check was deposited but only for {$160.00}. So where did my {$33.00} go? They just did my regular payment amount. I called 3 times for a receipt to no avail. I finally called main office in XXXX XXXX to report what happened and they said they would investigate. I had already spoken to the local manager and she said to me that they had gotten confused with the money cuz they had ordered food. I asked her arent you suppose to balance daily and she said yes but couldn't explain. To this date I don't have a receipt for the {$33.00} that were not applied. These people are not trustworthy.

Company response to consumer: Closed with explanation