vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-10 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: TX

Complaint narrative:
This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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: TX

Complaint narrative:
This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active

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 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XXXX while attempting to purchase multiple orders of food for a business summit, I found my card suddenly began denying all charges. Upon calling Synchrony Bank at XXXX, provided on the Synchrony Bank website. The first agent I spoke with said they needed to verify some information, text me a code and we should be good to go. The call concluded by the agent telling me my card was ready to be used. 

I attempted to use the card again to make the purchases and again was denied. I called back in and spoke to a 2nd agent, XXXX ( female ) and the tone changed significantly. She advised me that she needed to transfer me to another agent to solve the issue. Upon transfer, the 3rd agent informed me that I needed to take a picture of myself and then my license via a website to unlock my account. When asked why, he failed to provide any adequate explanation and didn't seem to care at all about the hassle or poor customer service. 

To date, my card is still locked and I can not unlock it. This process established by Synchrony Bank is abhorrent, disrespectful and not in alignment with strong customer service. Furthermore, I have no idea who in the business will be getting a picture of me and my license but I have a serious problem with sending this to a company without any knowledge of how my data will be used. 

Synchrony is currently acting in an unprofessional, insecure and potentially damaging way and by doing so is currently holding my card in a locked state and refusing to unlock it until I provide this information, even though I validated all other information and codes with the first two agents. 

I do not condone the use of coercion but apparently Synchrony bank feels it is appropriate to do so. This is a disgusting business practice that has completely broken all trust that I have with them. While I do appreciate a business looking out for their customers in terms of preventing fraud, I absolutely and vehemently do not agree with the process established here and refuse to provide my PII through an app with no assurances of where it will go and the security protocols employed.

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 2019-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I was not properly informed of how their daily apr. Charge works and how it can affect me Santander USA and the XXXX car dealer gave me a loan of XXXX XXXX for a car that cost XXXX when my income was only XXXX a year I want to see the original contract and credit check documents they provided to get me qualified for this loan I've been paying for over 2 years {$660.00} and yet still owe them {$26000.00} how is this possible it's a disgrace to our country this has to stop .I want to see all original documents of initial loan process that shows my income and salary for which i qualified for a loan of this stature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I refinanced my home mortgage with XXXX XXXX XXXX in XX/XX/XXXX. Within a couple of weeks of closing I received a notice from XXXX XXXX informing me that my loan was sold to XXXX XXXX and that my first payment and all subsequent payments would go to XXXX. Ive proceeded to send monthly payments to XXXX ever since. ( please see attached XXXX   mortgage payment history ) When I applied to XXXX XXXX   XXXX in XXXX, XXXX, I was surprised to discover there was a late payment on my credit report from XXXX XXXX for XX/XX/XXXX. Based on the information stated above this was obviously an error. It was not possible to have a late payment to XXXX XXXX   since, per their instructions, I was not required to make any payment to them since my loan was transferred to XXXX in XXXX, XXXX. 

I called XXXX XXXX  and requested a correction of this error. They agreed and forwarded to me a copy of the letter they submitted to the credit bureaus. Unfortunately the date they reported in their letter dated XX/XX/XXXX ( attached ) was not correct. They requested removal of a late payment for XX/XX/XXXX instead of the actual reported late payment of XXXX, XXXX on the credit report. When I brought this to their attention they were sorry for the confusion and said they would make the correction and instruct the credit bureaus to remove this error from my credit report. The new letter they sent to correct the error in XXXX ( attached ) inexplicably triggered one of the bureaus ( Equifax ) to add, rather than delete, two late payments for XX/XX/XXXX and XX/XX/XXXX, that are now showing up as two new late payments on my credit report which makes no sense since my mortgage account with XXXX XXXX has been closed for well over a year. XXXX  and XXXX detected this obvious error and, according to XXXX XXXX credit servicing bureau Factual Data only Equifax has still not corrected the error. On XX/XX/XXXX I called Equifax and spoke with a supervisor who told me that this erroneous derogatory had already been deleted ( Equifax Customer Service ticket # XXXX ). Despite every effort to get this issue resolved over the past two+ months it appears this has still not been corrected. I feel Ive exhausted every possible avenue to get this corrected and will keep trying to resolve with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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:
There are too many inaccuracies with this account. Which is in violation of the FCRA. Everything posted must be 100 % accurate. How is that so when these two agencies are reporting different information. Please delete this account. view attachment XXXX XXXX Date open XXXX XXXX XX/XX/XXXX Last reported XXXX- XX/XX/XXXX XXXX XX/XX/XXXX Date last Active XXXX   XX/XX/XXXX XXXX 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 2019-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TriVerity, Inc.
State: AZ

Complaint narrative:
This company ( XXXX - XXXX XXXX XXXX XXXX ) calls FROM XXXX to my WORK number weekly for the past 2 months. I have request each time that they DO NOT call this number as it is a work number and I am not allowed to receive personal calls on this number. The company DOES have access to my personal number but continues to call my work number even after multiple requests for them to stop. Their last call to me AT MY WORK NUMBER was XX/XX/2019 at XXXX XXXX   Arizona time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Services Corporation, LLC
State: TN

Complaint narrative:
I received a loan with HCS, Health Credit Services through XXXX XXXX. On XX/XX/XXXX I paid the loan off before the promotional period by {$690.00}. I realized my mistake and called to get this resolved. I was told that the payment had to be validated and this could take up to 60days. I called back again and was told that the loan batched on XX/XX/19 and was sent to account to get a check cut to me. I called several times before and was told t hat I was given incorrect information. The funds had to be validated and then I would get a check which could take an additional 60 days. I have asked to speak with a manager, accountant and no one has returned a call or tried to resolve this issue. I called last week and was told the amount of my overpayment had been validated and a check would be mailed. I called again on yesterday XX/XX/19 and was told yes the funds have been validated but this transaction has to batch before a check can be mailed. This process is ridiculous and unfair to me as the borrower. There is no reason a company should hold anyone refund for over 90 days with no date as to when it will be returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RMS-Recovery Management Services, Inc.
State: IL

Complaint narrative:
I am writing because there is a collection reporting on my credit report that is not a valid collection. I have disputed this account with the credit bureaus and I have sent them a debt validation request. Their responses were not adequate. I do not believe that these debts are valid. I am requesting that they submit requests to remove this collection account from my credit report as I do not owe any monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
hi, I have reached out to LOANCARE LLC and requested a manager. An escalation ticket was put in they system. The manager advised me that the issue would be taken care of within 7 days and that someone will reach out to me directly with the status. We have a past due property tax bill that was due XX/XX/XXXX. The town did not reach out to us until XX/XX/XXXX. It was then that we received a final notice. I have called LOANCARE multiple times and each time I am given a different date as to when this matter will be resolved. As of today our property tax bill has not been paid. No one has reached out to us. I have called multiple times on this issue and it has not been resolved. I even emailed their customer service team about other issues and never receive a response back. Their customer service is terrible. Have you on hold forever and never respond to emails. We would like our tax bill paid out of our escrow account as it should of been paid last year asap. L

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 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 I noticed a charge on my prepaid American Express Serve card I did not recognize. The amount of {$110.00} was charged to my card by XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019 I filed a chargeback request and filed the fraud affidavit with AmEx against XXXX XXXX. I NEVER had or have any insurance, accounts, or past due amounts with XXXX XXXX. On XX/XX/XXXX, I requested a refund from XXXX XXXX. XXXX XXXX informed me that a full refund will be issued within 3-5 days. They provided me with a reference number of XXXX. I never received a refund. On XX/XX/2019, AmEx sent me an email stating that my dispute was declined and to send a them a letter requesting details about the decision. I mailed a letter to the address and never received a response. I called XXXX XXXX again to request a refund and they provided me with another reference number of XXXX. They told me that American Express withdrew the funds for the chargeback from XXXX XXXX on XX/XX/2019. American Express denied this.

On Monday, XX/XX/2019, I had a three-way conference call with XXXX XXXX of XXXX XXXX XXXX Treasury Department ( phone number XXXX ) and American Express Security/Fraud Dept. as to why the chargeback refund wasn't applied to my account. XXXX  stated that American Express withdrew the funds for the chargeback on XX/XX/XXXX but American Express firmly denied this during the conference call. American Express also told XXXX that they have no control over chargeback refunds and that they do not hold funds from customers.

When the call was over, XXXX   repeated to me that the chargeback was debited from XXXX XXXX on XX/XX/XXXX and that AmEx may be withholding those funds from me. I asked her why XXXX XXXX couldn't simply refund me back the charge to my card and she explained that she couldn't because the chargeback funds were already taken from XXXX XXXX from Amex.

She said there is nothing else she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo closed my account, which I mentioned in a previous complaint. The issue is, they deactivated my online banking which has my credit card login attached. I need to be able to pay my bill, and can not access it.

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft as a result of recent data leaks online. I discovered this back in XXXX and have disputed all the fraudulent accounts with all three CRAs. XXXX and XXXX both promptly removed the fraudulent accounts ( within 30 days ) from me providing documentation supporting the id theft ( police report, FTC id theft report, proof of address, ID, and SSN ). Equifax however stated that I would have to wait 30 days for the dispute to complete which is completely fine but after the 30 days ended I was told to submit another 30 day dispute to remove the accounts leftover. The second round of disputes ended and the result was the same the accounts were not removed. I then submitted a block request under 605b of the FCRA and provided all the required documentation. Equifax again treated this as a 30 day dispute and said they would not block the items but did not state why. This is a direct violation of 605b. I've tried resolving this with the individual creditors however they treat this like an attempt to collect debt instead of resolving a matter of fraud. I've been dealing with this since the beginning of XXXX and it seems like there is no end in sight. Federal laws are in place for a reason I don't see how a Credit Reporting Agency can get away with not abiding by Federal Laws. Im tired of being given the run-around and being told to wait another 30 days. If they're submitted the same information with the disputes to the same creditors the result is going to be the same every time. The definition of insanity is doing the same things and expecting different results but yet this is exactly what Equifax is telling me to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I share a Santander Consumer USA loan account with my wife and we made on time payments with the loan and then we decided to refinance with a different bank. The problem for XXXX has been corrected on my wife 's XXXX credit report with one credit bureau, but not for XXXX. On my XXXX credit report for the first month, XX/XX/2018 Santander is saying they " can not find our payment '' in their system. I showed bank statements proving that we made the payment. They will not report paid or current. For the payment in XX/XX/2018 we did not make the payment but the refinancing was completed and paid in full before 30 days late. On my credit report before the dispute it showed XXXX was 30 days late and XXXX was closed. Now after the dispute it shows XXXX and XXXX both 30 days late and Closed in XXXX. That is completely incorrect because it was paid in full in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and XXXX, experian and XXXX  are continuing to report fraudulent information on my credit file.

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 2019-04-10 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: TX

Complaint narrative:
There are too many inaccuracies with this account. Which is in violation of the FCRA. Everything posted must be 100 % accurate. How is that so when these two agencies are reporting different information. Please delete this account. view attachment XXXX   XXXX Date open XXXX XXXX XX/XX/XXXX Last reported XXXX- XX/XX/XXXX Experian XX/XX/XXXX Date last Active XXXX XX/XX/XXXX XXXX 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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I filed a CFPB complaint on Caliber Home Loans , Inc. to investigate why I received a 30 late payment on my credit report. The claim was not corrected and this 30 day late payment should not be on my credit report. Therefore, I am refiling a CFPB and respectfully requesting that Caliber Home Loans , Inc., pull all phone records wherein you will find that I was told by the representative that there would not be a late payment reported on my credit report. I submitted all of the required documents pursuant to the website check list and I received a letter on XX/XX/XXXX stating they would offer me an opportunity to enter into the FHA HAMP program. I had to contact Caliber in writing by XX/XX/XXXX. I  sent all of the documentation on XX/XX/XXXX. In order to accept this offer I also had to make a payment by XX/XX/XXXX, however I made my first payment earlier than that on XX/XX/XXXX. I entered into this program, I followed all of their instructions including when to pay, and I was told I wouldnt have another payment for two months. However, I am on auto draft and they were suppose to take out my payment according to their new schedule. They didn't apply a payment to the correct date and now Im being reported late on my credit report. Late for XXXX and XXXX, 2018. These were the two months that I was suppose to be entered into this program and I was told I didnt have to make a payment. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation