vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 2 : I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 3 : I dispute I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Item # 4 : I dispute this account XXXX  XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. I have also provided proof of payments on this account. If account has been written off as a loss and I have made payments they are breaking the FCR ACT. Please delete this account. 
Item # 5 : I dispute I dispute XXXX Balance XXXX, this account is sold or in collection and under the FCR Act this account has to show XXXX balance. Please delete account. 


The inquiries below is not mines. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX  Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian currently reports an inaccurate inquiry on my credit report. 

1 ) XXXX XXXX XXXX, inquiry date XX/XX/2020, no permissible cause as required by federal law, no loan or credit was awarded. A violation for reporting inaccurately per fcra rules section 1681

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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
The bank is First Citizens. I opened a premier checking account and saving account online on XX/XX/2020, and completed the deposit ( $ 15,000+ ) on the same day and spending requirements ( 10+ debit transactions ) by XX/XX/2020 per the terms of their their welcome bonus of {$500.00}. In the term, it says the welcome bonus will be deposited into the checking account within 120 days, but it has been over 120 days and I still haven't received the bonus. I called the bank 's customer service line but the rep was not able to fix this and asked me to contact local branch. This was an online offer and I don't think there is any branch in CA. So I'm seeking help on CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
My dispute is with the Medical Revenue Service who collected for XXXX XXXX Hospital. None of the choices pertain to this problem. I called this company on XX/XX/20 to let them know that I would be paying this debt in full because I am in the process of purchasing a home. The fact that this is a hospital bill is bad enough but to add insult to injury, this company listed the debt four times instead of listing it once with the total amount of {$670.00}, so now it is counted as four collections on my credit report. This company reneged on their promise to remove this debt from my credit report after I indeed kept my promise to pay the entire bill stating that I did not pay it when it was due. Well, it would not have been a collection if I had the money to pay the hospital when the bill was due, but the fact remains that the debt is paid in full and there is no need for it to remain on my credit reports.

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 2020-08-07 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: OH

Complaint narrative:
Non contract on my credit report with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  They put a account on my credit report and I dont have a court order or I dont pay support its inaxc please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: NCB Management Services Inc.
State: AR

Complaint narrative:
I've recently been in contact via mail with all three of the major consumer reporting agencies regarding fraudulent established accounts reporting on my credit file. Currently a company by the name of NCB Management is reporting a fraudulent auto loan on my XXXX  and XXXX  credit report after being notified from the bureaus of the most recent status. In addition the open date reporting is totally inaccurate and doesn't match the open date of the original fraudulent account reporting on my credit file. These inaccuracies are grounds for immediate removal and violates both the Fair Credit Reporting and Fair Debt Collection Practice Act. I have previously been denied credit due to these inaccurate accounts reporting and find this being totally unacceptable due to the length of time this issue has been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION
State: MA

Complaint narrative:
My wife and I were approved for a loan and scheduled to close on Monday XX/XX/2020. We signed closing disclosures docs on Thursday, XX/XX/2020. On Friday, the closing attorney contacted me and said they hadn't received the closing package from the bank and couldn't schedule the close until they did. We tentatively set XXXX XXXX  until the package was received as the time to close on Monday. When Monday came, the attorney called as well as the homeowners policy agent regarding the closing. I had told everyone including the seller 's attorney and seller 's agent the loan would close Monday. My loan officer sent an email on Thursday confirming this. On Monday, I called the bank. They said they were still working on it. My wife and I were hopeful it was just because the bank was busy. On Tuesday, the same issue occurred with higher frustration from everyone. When I finally got someone from the bank on the phone, they said my wife 's income was no longer valid as part of the application because she took maternity leave from her part time job. She is still working at her primary position and the only one used for the mortgage application because of qualifying factors.

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am trying to improve my credit score. I used the simulators on the credit report services that are included with 3 of my credit cards. They indicated that my score would increase 100-150 points if I paid {$27000.00} down on my credit cards. I did and my scores only increased 10-20 points. I closely monitor the timing differences between what I have actually paid versus what has been reported to the credit reporting agency. There are very few differences. 

I took money out of my retirement account to pay down this debt because of what the score simulators told me. Now my scores are still in the 665-686 range and my retirement account has {$27000.00} less than it should have. If these simulators had told the truth, I would not have taken money out of my 401k. A small increase in my score was not worth reducing my retirement account.

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 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
i was hacked my computer and they also compromised my paypal useing my stored debit cards and paypal only refunede some of them there are XXXX more to be refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I submitted a regular consumer dispute of inaccuracies that's reporting on my credit profile. I haven't heard from Experian yet saying that they were going to start an investigation. Then I submitted a complaint on CFPB Instead of them starting an investigation to my issue they keep saying they don't believe its me submitting my complaint. This will be my 4th time submitting a complaint about Experian and I believe this is a stall tactic. I'm angry because I want these inaccuracies corrected now. I will submit a copy to FTC also. I don't understand why this taken so long or why its so hard for them to start/correct/complete my dispute. I've submitted everything they asked for and still no investigation has started. Its been well over the time for the investigation.

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am trying to improve my credit score. I used the simulators on the credit report services that are included with 3 of my credit cards. They indicated that my score would increase 100-150 points if I paid {$27000.00} down on my credit cards. I did and my scores only increased 10-20 points. I closely monitor the timing differences between what I have actually paid versus what has been reported to the credit reporting agency. There are very few differences. 

I took money out of my retirement account to pay down this debt because of what the score simulators told me. Now my scores are still in the 665-686 range and my retirement account has {$27000.00} less than it should have. If these simulators had told the truth, I would not have taken money out of my 401k. A small increase in my score was not worth reducing my retirement account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am trying to improve my credit score. I used the simulators on the credit report services that are included with 3 of my credit cards. They indicated that my score would increase 100-150 points if I paid {$27000.00} down on my credit cards. I did and my scores only increased 10-20 points. I closely monitor the timing differences between what I have actually paid versus what has been reported to the credit reporting agency. There are very few differences. 

I took money out of my retirement account to pay down this debt because of what the score simulators told me. Now my scores are still in the 665-686 range and my retirement account has {$27000.00} less than it should have. If these simulators had told the truth, I would not have taken money out of my 401k. A small increase in my score was not worth reducing my retirement account.

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 2020-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
My lender ( New American Funding ) which I have a Federally backed Mortgage with ( VA LOAN ) have been in violation of the CARES ACT and the Circular 26-20-12 dated XXXX which the VA distributed to all lenders who service VA LOANS about two weeks later I requested a Forbearance for 180 days which was denied which is a violation of the Cares Act which states that the borrower not the servicer is entitled to determine the period of the forbearance subject to statutory limit of up to 360 days so my lender still thinks that they are entitled to determine the period of forbearance they still have not granted the me the full 180 days of forbearance they granted me 60 days XXXX to expire on XXXXXXXX which is 60 days my lender also sent me a letter dated XXXX  to inform me that hazard insurance has expired it is my understanding if the borrower has an escrow account with the lender the lender is responsible to pay hazard insurance while my loan is in forbearance which it was at the time my lender has continue to ignore or refuse to follow the guidelines under the CARES ACT for lenders that services Federally backed mortgage they have continued to violate my rights under the CARES ACT I will upload documents which exactly gives dates and you will see that I have informed them several times that they were in violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synovus Bank
State: FL

Complaint narrative:
Account NameXXXX/XXXX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX.

Status UpdatedXX/XX/XXXX Balance {$130.00} I have called the company and they have not sent me any information and I have disputed it 3 times on my report. This is not my account and I was a victim of identity theft and they never respond to letters or calls at all. 

I have even added a statement for them to know that they can call me and they have said they would delete it but it never has been. Personal Statements ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have submitted payment to payoff my mortgage. I understand I submitted incorrectly however its been 2 weeks since i called to fix the issue and it is still not resolved. The money sent was placed in a inactive account instead of being applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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:
name not mine NAMES REPORTED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX, FL   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX address not mine filed ftc XX/XX/XXXX Creditor Name XXXX Account Type Flexible Spending Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$3000.00} Term -- Monthly Payment {$170.00} Responsibility Authorized User Balance {$3000.00} Highest Balance {$3300.00} Payment Status 60-89 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment XXXX  XXXX, XXXX Amount Past Due {$330.00} Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Misc . 
XXXX XXXX XXXX XXXX Creditor Contact Details XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Inquiry Date : XXXX XXXX, XXXX Removed By* : XX/XX/XXXX Inquiry Type : Finance XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Bank  XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX inquires not mine

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 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: TX

Complaint narrative:
I closed our refinance with XXXX on XX/XX/2020. I checked on the status of the escrow balance with Statebridge LLC on XX/XX/2020 and noticed that it still reflected a credit balance. I called them at XXXX Central time and was informed that the loan was not paid off until XX/XX/2020 and they will send the refund within 30 days. Today, on XX/XX/2020, I again checked on the status and it still reflects a credit balance, but the account is inactive. Escrow : {$430.00} and Unpaid balance of ( {$200.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: NJ

Complaint narrative:
I sent a dispute letter out in XX/XX/XXXX to all credit bureaus to remove an account on my credit report that was in violation of FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The account is reporting inaccurate and different dates to re-age the account. XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. 
This affects the account date it falls off my credit report, This is a violation. The account was update by Experian from a Repossession to a Charge-Off on XX/XX/XXXX. There is no collection account attached to this account 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 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I presented a " Bank Check '' in the amount 0f {$2300.00} to my Capital One Branch in XXXX XXXX, NY. I verified with the teller that it was a " Bank Check '' and could be exchanged for cash at that point. She informed me it was a " Bank Check ' and gave me the cash for the check. 

On XX/XX/2020 my checking account was debited {$2300.00} " Chargeback HOLD PLACED FROM TRIPS '' upon further review and calls to Capital One as well as returning to the Branch I found out the check was fraudulent and not a " Bank Check '' at all! Capital One insists that there is nothing they can do since I did receive the cash amount and was involved in a scam. 

The scam began as iI placed a car for sale on " XXXX '' website. A buyer sent me the " Bank Check '' for the amount of the car ( {$1100.00} ) and {$1100.00} extra to pay to the auto transporter, which I was to send a Post Office Money order for the {$1100.00} in order to pick up the car. Which I processed onXXXX. 

Well in essence the Money Order was cashed and there is no Auto transporter so that {$1100.00} is gone. The remaining {$1100.00} cash i deposited back into my account on XX/XX/2020 so basically I am out {$1100.00}. 

My complaint comes from expecting a " Bank Check '' to be as good as cash and that's why it was cashed, not against my account. I specifically asked the teller if that was the case! Subsequently I learned that is not the case and " Bank or Cashier '' checks do have hold times from one to five days. If I received those instructions from the teller I would have just deposited the check into my account and waited for it to clear! 

Even though I was involved in a purchasing scam and It was not Capital One 's fault the tellers of Capital One should be trained and versed to help their patrons and public be aware of such situations concerning check cashing! Especially if they were asked specifically on the check cashing process.

Company response to consumer: Closed with explanation