vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Under the accounts named " XXXX, '' and " XXXX XXXX '' I am requesting that these two accounts be removed from my credit report. There are inconsistencies and incomplete information on these two accounts in all three credit bureaus. The account named XXXX XXXX has inconsistencies and errors. XXXX  has incomplete information under the account information. The term of the account is missing. Also XXXX  is still reporting that I am still making payments on a closed account from XXXX to XXXX when they classified it as a charge off in XX/XX/XXXX. The High Credit amount is not shown and the term frequency says Monthly while XXXX  's information doesn't give a term. Also, the account number is missing completely in my Equifax report. Under XXXX  the last payment made is inconsistent with the information Equifax gave. My date of last payment is XXXX XXXX, XXXX while XXXX  says that my last payment date was XXXX XXXX, XXXX. Also, XXXX  has me current on payments from XX/XX/XXXX to XX/XX/XXXX. I don't have any open accounts with these creditors. Under the account named XXXX my XXXX  credit account has numerous unlisted information, it's incomplete. I want it removed from my credit report. XXXX  shows that it reach it's 90 day mark in XXXX XXXX when it was supposed to be charged off. While Equifax  says it was charged off in XX/XX/XXXX. However, XXXX  says it was actually charged off in XX/XX/XXXX. XXXX  says it was charged off in XX/XX/XXXX. There are numerous inconsistencies here. Equifax  listed the date the account was reported was XXXX XXXX, XXXX. XXXX  and XXXX  both says that the term was 8 months. However, Equifax  says the term frequency was monthly. Clearly there are much inconsistencies in the reports and I am requesting the removal of theses account. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: FL

Complaint narrative:
I have contacted XXXX with a request to correct wrong information on my reports. Names are misspelled, Inaccurate information. I sent several Request to XXXX  to correct and resolve. I keep getting denied for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: NY

Complaint narrative:
Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.

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 2021-02-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: GA

Complaint narrative:
I reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy

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 2021-02-12 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:
I reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy

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 2021-02-12 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: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company which is Check N Go has report incorrect information with the credit bureau. I never signed a contract and they never sent me a bill. They went through a third party and that 3rd party put me on the credit bureau which is XXXX. They were the ones that refer me to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
On XX/XX/2021, XXXX XXXXXXXX XXXX attempted to seize my car on behalf of ALLY FINANCIAL. Upon arrival, the repo agent constantly advertised the sale my debt to me in an attempt for me to pay it and not tow my vehicle. This is a violation of 15 USC 1692d ( 4 ), federal law. Every detail is ON CAMERA!

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 2021-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I applied for a refinance of my mortgage to get cash out for a few home updates. My husband is a veteran so we applied for a VA loan as they typically have less fees. I was asked if I had any delinquent XXXX loans. I explained that I had never been to college so that was not even an option. 
I was told it was my job to figure out why a XXXX report was showing a defaulted account. I called the number provided to me by the director over our mortgage processor. I spoke with 4 people within the federal department of education who took my social and DOB and confirmed all 4 times that nothing was showing under my information. I provided this information to rocket mortgage with the supervisors ID number and name. They told me they are still showing it on the caivrs report. I asked the director to be on the line with me when I verify, he refused. I asked him to call to verify, he refused. He has given us zero options and only makes excuses how its not our fault, its not something we can change I find it hard to believe there are zero options for them to verify that I do not have a delinquent loan. We were also asked to sign an intent to proceed where it showed we would owe them XXXX at closing. our current mortgage is only slightly over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Synovus Bank
State: OH

Complaint narrative:
Under the accounts named " XXXX, '' and " First Progress '' I am requesting that these two accounts be removed from my credit report. There are inconsistencies and incomplete information on these two accounts in all three credit bureaus. The account named First Progress has inconsistencies and errors. XXXX has incomplete information under the account information. The term of the account is missing. Also XXXX is still reporting that I am still making payments on a closed account from XXXX to XXXX when they classified it as a charge off in XX/XX/XXXX. The High Credit amount is not shown and the term frequency says Monthly while XXXX 's information doesn't give a term. Also, the account number is missing completely in my XXXX report. Under XXXX the last payment made is inconsistent with the information XXXX gave. My date of last payment is XXXX XXXX, XXXX while XXXX says that my last payment date was XXXX XXXX, XXXX. Also, XXXX has me current on payments from XX/XX/XXXX to XX/XX/XXXX. I don't have any open accounts with these creditors. Under the account named XXXX my XXXX credit account has numerous unlisted information, it's incomplete. I want it removed from my credit report. XXXX shows that it reach it's 90 day mark in XXXX XXXX when it was supposed to be charged off. While XXXX says it was charged off in XX/XX/XXXX. However, XXXX says it was actually charged off in XX/XX/XXXX. XXXX says it was charged off in XX/XX/XXXX. There are numerous inconsistencies here. XXXX listed the date the account was reported was XXXX XXXX, XXXX. XXXX and XXXX both says that the term was 8 months. However, XXXX says the term frequency was monthly. Clearly there are much inconsistencies in the reports and I am requesting the removal of theses account. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This has to be the worst XXXX dealership of all of California. I went to this dealership just to figure out my options to return my lease which was coming to an end in a few months. I wanted to finance my car so I wouldn't have to return the lease to not pay the extra milage I went over that I was told when I first leased my car back in 2017. I had a spokesperson name XXXX XXXX who barely spoke any English. At the time there was no other spokesperson so XXXX helped me with his Bosses help the named XXXX XXXX. XXXX told me that it would be better to turn in my car lease that same day early and get another car with so I wouldn't have to pay for the extra milage and get a lower car note a month. XXXX finished me off and got me into a XXXX XXXX after turning in my XXXX XXXX. Worst mistake I made in my entire life. I realize that I seen an additional {$12000.00} on my credit report a few months later on top of my new financed loan. I went to the dealership to discuss getting that additional {$12000.00} off my credit and they explained to me that it was due to the milage from the lease I return. I wanted to talk to Edi that day and waited 1 hour and 30 minutes. But it turned out he explained to two sales people the story and told them what to tell me. I was highly upset because since he sold me the car I wanted to hear it from him which was highly unprofessional on his part. I called XXXX to discuss and all I got was them giving me attitude over the phone and told me I would have to go to the dealership to discuss the matter and get it resolve. Went to the dealership a second time and they still gave me the run around on how I still have to pay that {$12000.00} in mileage. It's been almost 12 months and I still haven't had this issue resolved with XXXX and it's affecting my credit score. I wouldn't have turn in my lease early to have to pay {$12000.00} on mileage. I would have kept my car and financed it after my lease was up as XXXX wasn't getting the car back to put it up back for sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Submitted Online Dispute with XXXX and XXXX, Regarding my credit report with wrong information, My wife placed me on her account as authorized user i was not aware at the time, When i found out i had her take me off of the account, After submitting my dispute i received a letter from Citibank, N.A, Indicating they were not able to remove this from my account i was told my wife would need to have me removed from the account, My wife did remove me from account, Citi went on to say they would leave all historical information on my Credit report but would stop reporting, This account need to come off of my report 100 % have absolutely nothing to do with this account never used the card. Dont pay or shop with the card Adress provided from Citibank N.A. XXXX XXXX XXXX XXXX XXXX, SD XXXX contact phone number 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 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: DAS ACQUISITION COMPANY, LLC
State: WI

Complaint narrative:
Im currently selling my home and in the process of buying a new one through contingency. The buyers of our current home we are selling are going through DAS acquisition company/USA Mortgage as their lender. Our first closing date was XX/XX/2020 and now here we are 4 different closing dates later and the lender is still having problems. It started off as 5 days before closing, then 3 days before closing, and now 14 hours before closing. I have personally tried calling them and was told someone else would call me back and still havent heard anything, the title company hasnt heard from them and neither has my agent. I want some answers and compensation! This is ridiculous and very very unprofessional. I would not deal with this company if I were a realtor!!! Im currently renting the new house to make sure the owner doesnt sell it which is $ XXXX a month PLUS my regular bills at our current house which is also $ XXXX. My husband is the only person that works in our house because I stay home with our child and this is getting to be way to much on our family. This company is horrible, it needs to be shut down!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TX

Complaint narrative:
This company which is XXXX  XXXX XXXX has report incorrect information with the credit bureau. I never signed a contract and they never sent me a bill. They went through a third party and that 3rd party put me on the credit bureau which is TransUnion. They were the ones that refer me to FTC.

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 2021-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I hold an Old Navy brand family credit card issued by Synchrony Financial Services. The issue occurring is reward certificates are being double issued. Duplicate copies of the same certificate would be sent to two different people. Some time in XXXX the customer service representative was able to tell me when and where the certificate was used. This helped to validate it was not me who used it. E.g. I live in NH and was told it was used in-store by someone in XXXX, FL. Then I was told this was not a on-time occurrence, but rather a known issue. The rep. explained they are having a problem of reward certs being double issued. Remedy was to re-issue the reward cert stating it would take 1-2 billing cycles for me to receive. 
The data I most recently captured was back in XX/XX/XXXX where I called into XXXX Synchrony Bank Customer Service to go through a series of having certificates re-issued, the rep stated they had been having the problem a couple years with no known fix. Fast forward to XX/XX/XXXX, another round of double issued certs and now I'm told by the rep. they knew of the issue since XX/XX/XXXX but are not aware of any known fix. I submitted a complaint to the escalated help desk where I was told no one would follow up with me, and my complaint would only be tracked in a log.

Tonight, while I just received a re-issued cert, the other two were used in the interim of me receiving the re-issued cert. 
Thus, the company is in breach of the credit card agreement by not addressing the known issue of double issuing reward certificates to two different people. Furthermore, they send marketing materials advertising of how to earn bonus points yet the reward system is flawed ( double issued cert ), leaving the consumer to call and request the cert be re-issued, then wait 1-2 billing cycles. Many aspects of this process are wrong and the consumers need help now to have this made public and remedied.

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 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Sequium Asset Solutions LLC is reporting to XXXX I owe {$120.00} for an account opened in XX/XX/2020. Then reporting to XXXX that I owe {$140.00}. I have never done business with nor made any payments to this company. When I sent out a letter for validation, nothing was returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported this fraud issue with this board previously. Bank OF America continues to engage in its unfair business practices by now informing me of a secondary edd account opened in my name in a different state. I have not filed or opened any other account and Bank Of America is responsible for this as they allowed a privacy and data breach by which XXXX ca has furnished my private info in lue of their contract providing the services of he prepaid debit card for which Bank Of America has elected not to stand by the policies and account agreement furnished to said customers. Bank of America has managed to intentionally provide me with false data, withheld information about my account from me then sets me up for more damages as its agents told me i would see my funds on last friday only to being sent through their processes of what they call verification. The fact thatXXXX  and bank of america engaged in contract contract law does not support nor state that its lawful to cause damages to any third party nor does it release them from the liability. XXXX and BofA have their own indifferences but why should i suffer based upon their breach. I am suffering daily as they make fraudulent excuses for their own monetary personal gains. this constitutes trebile damages.

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 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Starting in XXXX I tried to make aXXXX XXXX  purchase using my XXXX XXXX credit card on XX/XX/XXXX for XXXX. The order went through XXXX however there was no email confirmation because paypal ( which I did not choose ) said : PayPal is committed to complying with and meeting its global regulatory obligations. As part of our regulatory obligations, we regularly screen information and payments transacting through the PayPal system. We recently identified an issue regarding your transaction activity that requires additional review. 

XXXX : Regarding Your PayPal transaction ( XXXX ). It requested I submit two personal information to use my credit card payment directly with XXXX I did not upload as I expect my charge would not go and will get refunded. I since purchase it the item on XXXX using the login paypal method. I encountered this error 2-3 more times until recently on XX/XX/XXXX where paypal limited my account. Going through my history, paypal as committed charges when the order was nullfied from XXXX  because paypal committed to complying with thier global regulatory obligations which permanently making charges if you do not submit information to them. I have bank receipts where there are over 5 charges since XX/XX/XXXX which they have not refunded. Please contact me as I'm also trying to submit this to lawyers to sue paypal for fraud.

Company response to consumer: Closed with monetary relief