vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and XXXX, the company continues to be non-compliant., Requesting a re-investigation compliant.

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 2021-01-18 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: OUT TECH, INC.
State: PA

Complaint narrative:
While reviewing the overall credit profile, the Bureaus of Account Management continues to furnish collections on the credit profile. Medical bills were paid from Medical Assistance. Insurance is rendered from the Department XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian will not furnish me a consumer disclosure file, due to deception and manipulation of furnishing incorrect information on my credit file from XXXX XXXX XXXX ( Dealership ) XXXX XXXX XXXX XXXX, XXXX, NC XXXX & XXXX XXXX that is re-aged. Under FCRA Section 605 ( c ) this a serious violation. 
In contradiction, referencing the attachment : Page 2 : I never made a payment in XX/XX/2017 ; page # 2 & 3 will provide proof, I never made a payment in XX/XX/2017 ; page # 2 & 3 will provide proof. Moreover, refencing page # 2, in XX/XX/XXXX 180 days re-aged the account in which I never made a payment only on XX/XX/2017 due to fraud from the dealership. In contradiction, this account should have been reported to charge-off status NOT " re-aged '' at 180 days. ( See attachment page # 2 ) Experian will not furnish me a consumer disclosure file, due to the North Carolina statue of limitations expired debt collection laws. Refencing top of page 2, the " payment history legend '' information furnished on my report is not in sequence 30, 60, 90, 120, 150, 180, R, D, C, CO, CLS, ND ....

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 2021-01-18 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: FL

Complaint narrative:
I settled the XXXX XXXX XXXX with collection account number XXXX XXXX XXXX XXXX. This account has been paid in full.

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 2021-01-18 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: IL

Complaint narrative:
I see that XXXX XXXX ( via XXXX XXXX  ) reported a 30 day late payment to Equifax. I was not 30 days late, per their own statement, of which I have attached for you to review. Equifax ( reported under 1 XXXX ) : XX/XX/2019 payment 30 days late. I was actually late with my XX/XX/XXXX payment, they added a {$39.00} late fee and raised my interest rate so they also added an additional {$15.00} for that. I made the XXXX payment on XXXX XXXX, according to my bank, I was not 30 days late there either. They subsequently waived the late fee. Of course, XXXX won't let me access XXXX XXXX statement, or any of the preceding month 's statements, so that is not included in my attachments. What's important is, my XXXX statement. The XX/XX/2019 payment was due on the XXXX. I happened to be late with that one as well. They added a {$39.00} late fee, plus additional interest, so my past due balance on my XXXX statement that came out on XXXX XXXX, was {$99.00}. XXXX XXXX statement also clearly shows a minimum payment of {$160.00}, that is due on XXXX XXXX. On XX/XX/XXXX, I made the payment of {$160.00}, per their statement. My math tells me there is exactly 28 days between the due date ( XX/XX/XXXX ) and the date I made the payment ( XXXX XXXX ), so I was not 30 days late. XXXX and XXXX statements attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: PA

Complaint narrative:
While reviewing the overall credit profile, the XXXX XXXX XXXX XXXX continues to furnish collections on the credit profile. Medical bills were paid from Medical Assistance. Insurance is rendered from the Department 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 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
After reviewing the overall credit profile, Enhance Recovery furnished a XXXX  bill on the overall credit profile. The phone was upgraded for a new plan, and the previous device was replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
I refinanced my mortgage with XXXX XXXX. My loan was then sold from the Mortgage Broker to BSI Financial. I have made an account on their website and attempted to make my mortgage payment. I didn't accept it on their site so I called customer service. I spoke with XXXX who told me we will take care of it. I gave him my information and he said it was all ok. Two days later, I receive a letter in the mail saying I now owe an additional XXXX dollars as it was past their 5 day grace period. ( this is on the XXXX ). I called back customer service, XXXX again answered. He told me this was a mistake and that it would be fixed and not to worry about it. It is now the XXXX, I have received an email stating my account is 17 days delinquent. This is unacceptable. I need to have a resolution with this as I have NEVER missed a mortgage payment in my life. It will not be accepted if any negative marks go against my loan or myself. I have notified the company I have documented my calls with XXXX and that this must be taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: FL

Complaint narrative:
I settled the XXXX XXXX XXXX with collection account number XXXX XXXX XXXX XXXX. This account has been paid in full.

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 2021-01-18 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:
I settled the XXXX XXXX XXXX with collection account number XXXX XXXX XXXX XXXX. This account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial advised a deferment was processed on the loan two different times. I was advised on both occasions that this was resolved however now I am told it is delinquent and the deferment was not processed. This is now negatively impacting my credit and was to be resolved. I attempt to call in and speak with a Supervisor however I am told one will call back and I am not given a timeframe in which they will call. This is unacceptable for escalations and following up on complaints that need to be resolved. 
This is horrible customer service especially during the times we are in currently.

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 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Back in XX/XX/2017 I finance the vehicle from GM financial and in XXXX of 2017 I was in a car accident which ended being a total loss they still continue to bill me and they knew this car was a total loss then several months after the insurance paid the vehicle off they reported I had four late payments and it didn't take my insurance that long to pay it off. In addition, I was totally unaware of they continue to bill me. Moveover, four years later GM financial continues to report on late payments though the car is paid off. I contacted and told I was totally unaware of them continuing to bill me though I did not have the vehicle and that it's hurting my credit and they said they can't do anything. This is a malicious act by GM financial the vehicle been paid of for four year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Im dealing with navient .. i took out a XXXX fed student loan in XXXX XXXX XXXX loan was owed .. the very first payment made was XXXX .. ive been making monthly payments ever since. For the last 16 years .. navient is claiming that i STILL owe XXXX .. they are stating my interest is 5 %. When in fact it is about 50 % .. they take 5 % from the total balance and apply it to every payment made .. i make payments of XXXX and XXXX goes to interest .. that is not 5 % .. ive added up all my payments and they total XXXX .. navient sent me a break down of all the payments. Are they are far less then what i actually paid .. thier amounts are off .. i went to school was on i was XXXX years old. It was a ONE year school .. i am now XXXX years old and i am STILL paying for this student loan!! The way they have it set up. Unless i can pay XXXX IN FULL. ( which i can not ) i will be paying this off for the rest of my life!! Its going to be like XXXX by the time its all said and done. That is beyond criminal!!! Please help. This is a huge stress on me and my family and my credit for that matter!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding is attempting to take me to the magistrate in retaliation for having their account removed from two of the big three credit reporting bureau. After investigating a dispute both XXXX  and XXXX  requested records and verification of a debt LVNV bought from XXXX XXXX. LVNV was unable to provide proof and the debt was removed from those reports. LVNV is now suing me in retaliation. The XXXX XXXX account is over 9 years old and legally can not be collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Noticed collection debt on my report, never received information therefore did not know I could dispute. On XX/XX/XXXX I sent a letter to the collection agency asking for validity of debt. I have documentation that they received the request on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. However ; they did not provide all of the requested information needed to validate. i provided a list below of the requested information for which they did not provide ... 
- state license number -contract from original creditor -no payment history -no statue of limitations debt owed for my state -no proof they have the right to collect in my state -no contract between them and original creditor I responded on XX/XX/XXXX stating the above for which I have documentation that they received on XX/XX/XXXX. The Agency has not complied as of this date and they have advised the credit bureau to have it remain as per my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have not received the settlement payoff for {$10000.00} for my property XXXX XXXX and my buyer is ready to close on the property to avoid loss of the property to the tax buyer on XXXX. 

I have submitted the XXXX  XXXX cash deal and title policy and updated purchase contract to reflect the amount on the XXXX for {$49000.00} Now I was told the documents would be reviewed by XXXX. 

I contacted SPS today XXXX and instead of my account being view as a settlement the rep said their is confusion going on being reviewed as a shortsale. 

I informed Sps if this property is lost to the tax buyer I am not going to be responsible for the balance of the loan. 

I have all my emails and communications thar have been documented. 

THE PROPERTY WILL BE SOLD TO THE TAX BUYER PER ATTACHED DOCUMENT FROM XXXX COUNTY SHERRIFF 'S IF THE TAXES ARE NOT REDEEMED BY XXXX XXXX 2021. 

I HAVE DONE ALL I COULD DO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: VA

Complaint narrative:
I have been EXTREMELY frustrated with MACY 'S credit card services. I have paid on time in the past without any issues. But this time my bank account information has changed along with my address, email address and phone number. I had not used MACY 'S credit card for several years now. But when I tried to pay my credit card I was on an HOUR hold with a phone agent and once she got on the phone she said " hello '' and abruptly hung up on my as I was saying hello. I called again but this time asked for a manager only to be abruptly hung up on by the manager after waiting for another hour and a half. I am furious at this point. All I wanted to do was update my accounts and pay off my card and I am waiting on these long hold times and dealing with agents who simply want to hang up on customers simply trying to pay off their card. Since I couldn't log into my account I tried to find another method of updating my online account. Unfortunately the only method to do that is to call and update my account with a phone agent. Well you see how that is going. Needless to say I did try to pay off my card in the stores or so I thought. I wanted to continue using the credit card in the future and I wanted to update my address information at the store so that I can get the bills and pay off my card online. Unfortunately the lady said they couldn't update my address information. So I had thought I paid off my card and had planned on calling in later to update my address information. I guess I was wrong in assuming that. Since I could not get an agent on the phone easily to update my address information I was not getting any alerts to pay my credit card off so I was under the assumption that I had paid my card off at the store. The only way I found out that it wasn't paid off was when I started getting credit alerts about the delinquency reporting by MACY 'S. I reported these incidents to MACY 'S executives and after their investigations they said it was my fault for NOT updating my contact information. That's the problem I have been having this whole time. I couldn't because they ONLY way to do that is to deal with their phone representatives who are difficult to get and keep on the phone. So how exactly am I supposed to update my contact information if they won't give me the method to easily do that? 

FIX MY CREDIT REPORT! I don't want money. I want you to remove the 30, 60 and 90 days later reporting on XXXX, XXXX  and XXXX. I tried to pay on time and you would not allow me to make my payments.

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 2021-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I have two credit different card accounts that are managed by Synchrony Bank. Due to the likeness between them, I sent multiple payments to one ( overpayments creating a credit balance ) and underpaid the other ( creating seriously past due, and adverse reporting to credit bureaus ). Although I have obtained the refund from one account and paid the other, this human error has destroyed my credit scores and I am devastated about this. I am trying to find a means to, with the proper evidence/documentation, enter the information about what happened and how it was corrected, into the records of the creditors and the credit bureaus, so that it is clear that the issue was not a matter of failing to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Sir ( Bank of America credit Card ) I have visa & Master with you My problem I received from you credit balance refund ( refund check XXXX ) XXXX I called and I have case number with Bank of America XXXX and another case XXXX Accounting ending XXXX my address XXXX XXXX XXXX XXXX XXXX New Jersey I received letter from you say the check is cashed by XXXX XXXX I went and they give me letter say not cashed it is return to Bank of America Them number or reference XXXX ( XXXX XXXX  Reference ) Please I lost between you and XXXX XXXX -I have letter from u and letter from them and no money How I can you and them contact how I can you and them communication together Now I, m lost between you and XXXX XXXX  Please see what I enclosed ( them letter -urs letter copy from the check ) Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX-New Jersey

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: NJ

Complaint narrative:
Purchased {$500.00} prepaid Netspend visa card, used once, now they are trying to scam me to send them pictures of my social securtity card

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 2021-01-18 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: IL

Complaint narrative:
Transunion ( reported as XXXX/XXXX # XXXX* ) : XX/XX/XXXX payment 30 days late. Payment was made on XX/XX/XXXX. I was actually 6 days early, per their own statement, which I have attached. The months right before and after this date are also paid on time, so I have also attached XX/XX/XXXX and XX/XX/XXXX statements. I have not been 30 days late ever. You'd think with all these fees and creative interest hikes, they could afford to get their records straight. Perhaps I should charge them a 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