vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: MN

Complaint narrative:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But those information are constantly reporting and causes negative impact on my credit. Therefore, Experian XXXX did not take any action to remove the incorrect information and inquiries listed below : Personal Information Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Date Updated : XX/XX/XXXX Employer XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX I opened and established an XXXX XXXX  account with GINNY 'S, placed my initial order, paid down-payment, and completed my payments in XX/XX/XXXX. 

On XX/XX/XXXX I placed another order with my account. For some unknown reason, there was a hard inquiry added to my credit. I contacted the company and alerted them to this issue and was told : ( 1 ) that I don't have an account, which the website clearly says I do. I even provided the account number and type. Was still told that I don't have an account, ( 2 ) that they pull credit on EVERY order which violates how revolving credit works, ( 3 ) that all information was on their website which it isn't.

I spent almost 2hrs on the phone and still received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Millco Management
State: NJ

Complaint narrative:
I just received an email from my bank today and it says that it looks like your account with AMERIFINANCIAL SOLUTIO received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. I don't know subject company, neither a balance I need to pay.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Account Statements conflict with my records. My records show details which of a total of XXXX payments made during the XXXX months from XX/XX/XXXX thru XX/XX/XXXX. The XX/XX/XXXX payment also was not credited to the account according to Selene Finance LP records. The following payments have been tendered and are not reflected in the ** Account History**. Payments started in XXXX XXXX XXXX days in advance for the XXXX XXXX. Followed by a second payment in XXXX. This was done to preemptively address the systemic processing delays, account errors, and failure to provide timely account statements by Selene Finance LP and the predecessor XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Synovus Bank
State: AL

Complaint narrative:
On XXXX I withdraw XXXX from Synovus bank at the drive through. I went a branch to close out my account after i left the drive through. I received my monies that were in my account in cash when I closed on that day XXXX. The teller at the drive through called me surprisingly since it was after XXXX and asked had I closed my account. I told her that as we had discussed that I was closing it out. She signed, and I received an incoming call I put her on hold. She called me several times afterward. I decided since it was after hours, and I was on the phone, and just had picked up my kids, I would just go in first thing on XXXX. 
The next day XXXX I went to close out my savings account that was attached to the the checking account. I received a call from the branch early that morning, when I went in to talk nothing wasn't mentioned about my account being overdrawn. 
The manager called from XXXX XXXX XXXX XXXX and left a me an threatening message stating that she was going to put a warrant out for my arrest for fraudulent. I immediately called her back, since I was threatened and scared, and confused as to why she left such a message. 
When I got on the phone she immediately begin to accuse, and yell, and interrogate me to being a thief, and a fraud. I was so embarrassed and hurt since this never happened. She again stated if I didn't bring the money down she was going to call the police on me. The best thing she said was that the phone call was being recorded, I was relieved. She continued to disrespect, and try to make me say I was a fraud. I told her I no longer wanted to speak with her, and would like to speak to her boss. She pretended to call, but then got back on insisting to talk with me, and make me say I was fraud.WHen I finally spoke to her boss, he apologized and stated that she wasn't suppose to say what she said about jail to me, without his consent. He also promised to get to the bottom of her behavior, and the situation. 
He called later and stated how he got on to her for talking to me like she did, but stated that, " What she should have told you was that your account was overdrawn ''. 
So I begin to tell him how I went to close out my account, and they never stated that I was overdrawn. So now I was being accused of my account being fraudulent, and overdrawn. In that conversation, ( he called me from his personal number ) I asked him why would someone let me overdraw money that I didn't have. He confessed that it was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Maam : I am writing to dispute the following information in my file : XXXX XXXX XXXX XXXX, Account Number : XXXX You will also find this item circled on the attached credit report. The item I have identified is inaccurate because Of the Issues in closing the loan between XXXX XXXX and XXXX XXXX  I am requesting that this item be deleted in order adequately reflect my true credit history on the attached report. 
We opened escrow on XX/XX/2021 and the escrow office received the payoff amount in XX/XX/2021 the payoff was rejected do you XXXX had made the taxes and the payoff was rejected on XX/XX/2021. On XX/XX/2021, I started to received calls stating that my payment was missed, and it need to be paid asap. At this time, I was unaware that the escrow payment was rejected and returned to XXXX. I was never informed by either of the companies. I am now showing that I have a XXXX late in XX/XX/2021 for a missed payment that both companies stated was not due because of XXXX. The loan was paid in full + the taxes were paid twice. I was told by both companies do not make a payment. I have never missed a house payment!! 
In my calls to XXXX XXXX, this has been a very frustrating process to navigate at I have spend hours on the phone and to only be hung on multiple time. When asking to elevate my calls to a supervisor again after being on hold 1-2 hours the calls have been disconnected or I have been told that I will receive a call back have never received a call back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I truly feel taken as advantage of. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been spoken very rudely to by XXXX XXXX on multiple occasion when trying to resolve this issue. As stated above, I have NEVER missed a payment on my mortgage and feel this derogatory mark is very unjust.

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 2022-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This is my second time filing a complaint with this Company.

The company did not issue the correct amount in the refund they sent out. The refund should have reflect the 19 months of XXXX XXXX time. ( XX/XX/XXXX- XX/XX/XXXX, when I paid off the car ) I spoke with someone from the company on XX/XX/XXXX still no update. I have been waiting on this refund since XXXX of XXXX. The company never applied the new APR to my account due to error in their system. ( Each time I called, this was the reason ) The monthly payment difference with the new APR rate was roughly {$78.00}. Therefore, the refund should be {$1400.00} ( $ XXXXx19 months ). My monthly payments were never adjusted on my statements either. 

I did receive the {$430.00} refund, however, that was not the accurate amount. I have spoke with multiple representatives from this company and still no update.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3200.00}

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 2022-02-15 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: NY

Complaint narrative:
Experian is reporting that I have XXXX XXXX XXXX credit card accounts that have a balance. I have requested multiple times that it be verified as both accounts have been paid. Experian continues to report " verified as accurate '' on my credit report without actually verifying the information. I have proof that the accounts have been paid but Experian continues to report inaccurate information. I continued to dispute the inaccurate information, and have even requested validation from them however they have now ignored my request and violated my rights under the FCRA.

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 2022-02-15 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: NC

Complaint narrative:
On XXXX occasions, XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, my student loan provider, XXXX XXXXXXXX XXXX, has reported the XXXX separate accounts that I had with them as XXXX days late. I had a forbearance in both instances as I was in graduate school. 

I have disputed the account reported with my now-former loan service providers and the XXXX major credit bureaus on multiple occasions to no avail. These attempts have been since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE

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 2022-02-15 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
My sister passed away on XX/XX/XXXX. I have been trying to have the equity in her vehicle transferred to me since XX/XX/XXXX. I heard back from Hyundai Finance on XX/XX/XXXX asking that I apply for credit. I sent the application and all the other information to them on XX/XX/XXXX. The credit application indicated I would hear from them in 2 business days. On XX/XX/XXXX, I called and was told to their back office had not updated the account and to contact them again on XX/XX/XXXX. On XX/XX/XXXX I called and was told still no update and to call on XX/XX/XXXX. On XX/XX/XXXX, I called back and still no updates. They asked for my preferred contact number and email which I provided. They said I would hear back in 3 business days. On XX/XX/XXXX, another sister received a forwarded letter asking our intent as it pertained to the car. The requested we FAX a response. On XX/XX/XXXX I faxed the requested information and a history of my interaction with Hyundai Finance. On XX/XX/XXXX, I contacted Hyundai again and they said they were missing death application. To call back in 2-3 days. On XX/XX/XXXX, I called again and was told they had the intent letter and death certificate. They again asked for my information. On XX/XX/XXXX, I was notified by my ID Monitoring company that Hyundai Finance had pulled my credit report. On XXXX, I called Hyundai asking for a status and they said my credit was pending and to allow 5-7 business days to get a response. On XX/XX/XXXX, today, they said my credit is still pending and to call back on Friday

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 2022-02-15 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: MA

Complaint narrative:
I mailed a certified letter to Equifax XX/XX/2022, which was received XX/XX/2022 @ XXXX requesting the removal of several inaccurately reported accounts. To date, I have yet to receive a response. I understand they have 30-days to reply to my request once they received, but I have not received response or notification of a conducted investigation as required by law under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: MN

Complaint narrative:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Employer XXXXXXXX XXXX  Date Updated : XX/XX/XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems is the collection company that I have been forced to deal with. The supervisor was disrespectful when trying to take care of my collection. She said that they can't lower my payment and then told me that I have to pay the maximum amount then hung up on me. As I'm trying to resolve my account.

Company response to consumer: Closed with explanation