vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 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: STERLING JEWELERS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
In XXXX of XXXX, I opened an account with Jared. In XXXX of XXXX, I faced significant financial hardship and realized I would not be able to independently manage my debts. I contacted XXXX XXXX XXXX ( XXXX ) to help manage certain accounts that I feared I may not be able to manage independently, which included the Jared account. In XXXX of XXXX, XXXX contacted Jared directly and advised that they would be managing the account and presented Jared with a Power of Attorney letter executed by myself. In XXXX of XXXX, Jared verbally agreed to enter into a settlement agreement with me for 3 payments to be sent in XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. As such, XXXX issued the first payment to Jared in XXXX of XXXX. However, Jared took exceptional lengthy time to execute and return the final agreement ; and subsequently, changed the final written agreement to accept payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. This was after the first payment was issued in XXXX of XXXX per the verbal agreement. Therefore, the second payment was issued by XXXX in accordance with executed final settlement agreement. To date, the company continues to report this account as having late payments from XXXX of XXXX through XXXX of XXXX, for a total of 6 late payments, in spite of the settlement negotiations commencing in XX/XX/XXXX and the initiation of payments in accordance with the agreed upon settlement in XXXX of XXXX. 

I spoke with Jared at length on XXXX XX/XX/XXXX, and Jared refused to acknowledge any part of the settlement agreement reached with XXXX and refused to remove the negative reporting from XXXX, which is inconsistent with the legally binding verbal agreement and final written agreement entered into with the Jared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: MI

Complaint narrative:
In response to letter dated XXXX XXXX ( XXXX XXXX XXXX XXXX Account ending in XXXX XXXX Reference Number : XXXX ), My XXXX XXXX limit was lowered from XXXX to XXXX.I was never sent a letter telling me my XXXX account was lowered.I found out my XXXX credit was lowered when i used it at the the XXXX auto XXXX for XXXX XXXX.That was embarrassing.In the letter dated XXXX XXXX, It states on XXXX XXXX my XXXX was converted to XXXX XXXX with terms and conditions.I never received any paper work, terms and conditions, or opt in/out paper work, etc..It also states in letter dated XXXX XXXX, '' This was a business decision and there was no opt out option for our customers. 
Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit '' .I do not accept this letter as confirmation on change in the account number.Recently, i called XXXX XXXX and spoke to customer service and spoke to " XXXX '' CSR , and i stated to her to produce all letters to me for XXXX XXXX XXXX XXXX, XXXX lowering credit limit, etc., that was sent to me and XXXX stated that she cant produce that info to me.Also, there was no letter sent to me in XXXX citing closure of account.I totally disagree with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
HAD A BAD XXXX LAST YEAR AND WAS XXXX, WAITING ON SETTLEMENT. WAS GIVEN A GOVERNMENT COUPON TO PAY HOUSE, BUT BANK WOULD NOT TALK TO ME TO HELP ME.

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 2020-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2020-12-22 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I used to have a sears card ( citi bank ) and sears went XXXXWhen sears went out of buisness my sears card was transferred to " Shop Your Way '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to citi bank XXXX citi bank is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.Citi bank ( Shop Your Way/SEARS ) closed my account with out any knowledge or paper work sent.Because of Citibank closing my account, it has caused a negative on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: FL

Complaint narrative:
Back in XXXX a XXXX XXXX employee signed me up for a credit card only to find out that the product I wanted was NOT available. So because of this I closed the account with them because I did not authorize a hard pull due to the fact that the item that I wanted was not available. This is XXXX XXXX because when I went to go get a XXXX Credit Card last week they did a hard pull and told me that I was denied because of XXXX XXXX/XXXX XXXX mistake. My credit score is XXXX so I really don't see the problem besides it being that. I need to get XXXX XXXX off of my credit report immediately so I can be reconsidered for the XXXX store Credit 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 non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My payment with Ally financial is due on the XXXX of every month. Ally financial is reporting a payment as 30 days late on my credit report from the month of XX/XX/XXXX that was paid on the XX/XX/XXXX when the payment was only 8 days late. Ally financial is also reporting my XX/XX/XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XX/XX/XXXX but Ally financial knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XX/XX/XXXX and on XX/XX/XXXX. Ally Financial is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. Ally financial can clearly see in the online portal that the payments were made within the 30 day time frame.

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 2020-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I received a Credit Monitoring Alert that a Collection Agency called Debt Recovery Solutions in violation of FDCPA I had not received a letter or attempt to contact me allowing me 30 Days to Dispute. On XX/XX/XXXX I received a letter in the mail offering to settle for a discount at {$6000.00}. This Title Loan through XXXX in XXXX, Ohio was settled in full on XX/XX/XXXX with the return of the Vehicle and sold for settlement. I spoke to XXXX XXXX XXXX XXXX at Debt Recovery Solutions and explained to him that this had been resolved over 2 years earlier and I had an outstanding Credit Report that has never had a derogatory remark. He informed me that he was putting in a immediate delete with all 3 Credit Bureaus. I followed up by sending in proof that Debt was paid in full and this was settled. The emails were sent the same day to the Compliance Officer. I have been checking my Credit Report and it still has not been removed. I filled disputes with all 3 agencies on XX/XX/XXXX. This company has been sued in multiple class action lawsuits and has more negative reviews with the XXXX. The agent was polite on the phone but the company did not follow through. Please get this off my Credit Reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2020-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX is not doing their job and will not provide return phone calls nor provide customer status. I began shopping for a refi/cash out loan in XX/XX/XXXX with several lenders that I had already qualified with prior to having the conversation with NewRez. In fact, I already had my home appraised and appraisal in hand. The loan officer I spoke with appeared to be professional and knowledgeable, along with having a pleasant personality. He advised they had same product I was interested in which was XXXX my current conventional loan into a FHA loan in order to qualify for cash out I was up front with seeking out of this transaction. With those factors in mind, I moved forward with signing my loan intent on XX/XX/XXXX and it is now XX/XX/XXXX. I was advised that expectation for closing would fall near or around XX/XX/XXXX due to the overwhelmed market handling of refis. I thought that was fair and transparent with having the up front communication. Nearing XX/XX/XXXX, I began making calls to my loan officer and did not receive a return call or response to my emails also sent. I escalated to loan officer supervisor and when no return call then escalated to loan officer 's manager. The next day XX/XX/XXXX, I received a return call from the loan officer supervisor who advised that my loan hadn't been assigned to their UW and he would escalate. They had my completed paperwork for 3 months and it had been sitting untouched this entire time! I was advised they only assign on Mondays and as my call was on a Tuesday, I would have to wait for the next week to hear from the next person a junior processor to contact me which was on XX/XX/XXXX. That went pretty smoothly, except then I get a message on XX/XX/XXXX in their portal it indicated I need to have my foundation certified and then the message disappeared on XX/XX/XXXX. Again, I made several calls trying to confirm what was needed and advised my file would need to be assigned to a processor to advise as the junior processor nor my loan officer could direct me on what was needed before I went out and hired my own engineer. On XX/XX/XXXX I had a processor assigned confirming the engineer certification needed and completed same day with report provided to NewRez on XX/XX/XXXX. Up to date here on XX/XX/XXXX, the status indicates pending review of the engineer report. I began making calls to the processor and my loan officer last week on XX/XX/XXXX and again today XX/XX/XXXX with no return calls. This by far has been the worst customer experience in my lifetime and no one is stepping up to be accountable or responsible to ( 1 ) do their job ( 2 ) manage your employees ( 3 ) give a care about your customers. I am already an existing customer as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Block, Inc.
State: MD

Complaint narrative:
Hi : I attempted to make a purchase with XXXX on XX/XX/2020. Cash app declined the debit at first and then processed it on XX/XX/2020. Then XXXX cancelled the reservation. However, it was after the time, so they were obligated to pay for the difference in me finding another place. 

Cash App just took XXXX out of my account claiming they reverse a claim for XXXX. I did not file a claim concerning a XXXX charge because I worked things out with them. They provided a refund for the amount they owed me and now this money was therefore fraudulently taken from my account. I have sent numerous e-mails and messages asking for a call to discuss this mater and I keep getting e-mails with in accurate information. 

I am requesting the XXXX is placed back into my account immediately. 

Thank you for your assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX  is also reporting my XXXX of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XXXX of XX/XX/XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. XXXX XXXX can clearly see in the online portal that the payments were made within the 30 day time frame.

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 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX is also reporting my XXXX of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XXXX of XX/XX/XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. Ally financial can clearly see in the online portal that the payments were made within the 30 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX  of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX is also reporting my XXXX  of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use XXXX XXXX online portal to make payments and I have attached screen shorts of payments that were process by XXXX XXXX  on the XXXX of XXXX XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. XXXX XXXX can clearly see in the online portal that the payments were made within the 30 day time frame.

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 2020-12-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For the second time Wells Fargo inaccurately reports mortage balance higher than actual balance. By inflating the existing balance in addition to the new escrow balance, they report an inflated balance to credit reporting agencies while reporting the actual balance to customer. When challenged on why they do it they say its to benefit the customer, but often fall short of specifying how.

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