vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I previously disputed account on XX/XX/20, XX/XX/20, XX/XX/20 XX/XX/20 do to inaccuracies on credit report. Contacted XXXX XXXX {$2000.00}. They offered settlement but no verification of debt. Balance that the company is reported is inaccurate. Company will not remove from report or validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed 2 unauthorized inquires on my credit disclosure. The first inquire is dated XX/XX/2020, from XXXX/XXXX. The second inquire is dated XX/XX/2020, from XXXX XXXX. These old unauthorized inquires keep reappearing on my disclosure after I disputed them recently. Trans Union doesn't allow the consumer to dispute unauthorized inquire online. Why don't the Trans Union allow consumers to dispute inquiries? That needs to change it's very depressing and biased.

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 2020-10-20 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: OK

Complaint narrative:
THIS COMPLAINT IS SIMPLY IN REGARDS TO A FAIR CREDIT REORTING ACT VIOLATON DUE TO CONTINUES REPORTING OF INACCURATE INFORMATION FROM EXPERIAN INVOLVING TWO DIFFERENT ACCOUNTS. THESE ACCOUNTS NEVER BELONGED TO ME IN THE FIRST PLACE BUT EXPERIAN HAS REFUSED TO HONOR ANY OF DISPUTES FROM THE PREVIOUS MONTHS. NOW AFTER CAREFUL RESEARCH I'VE NOTICE AN ACCOUNT LISTED UNDER XXXX has inaccurate or wrong payment history listed for the month of XX/XX/XXXX which has the account being 60 days late for two consecutive months being the months of XXXX and XXXX which we all know after we learned count at the ages of 4 and 5 that it is totally IMPOSSIBLE FOR 60 DAYS TO COME AFTER A 90 DAY PERIOD. THIS CLEARLY IS INACCURATE, A VIOLATION OF THE FCRA, AND IMMEDIATE GROUNDS FOR REMOVAL. I WILL  INCLUDE A COPY OF THE SCREEN SHOT WITH THIS COMPLAINT TO SUPPORT MY CLAIM. ALSO ANOTHER ACCOUNT BY THE NAME OF XXXX XXXX XXXX HAS AN OPEN DATE OF XX/XX/XXXX WHICH DOES NOT REFLECT THE ORIGINAL OPEN DATE OF THE ORIGINAL LOAN AND ALSO IS INACCURATE, ANOTHER VIOLATION OF THE FAIR CREDIT REPORTING ACT, AND GROUNDS FOR IMMEDIATE REMOVAL FROM MY CREDIT REPORT. I EXPECT EXPERIAN TO ADHERE TO THE FCRA AND TAKE THE APPROPIATE ACTION TO RESOLVE THIS MATTER. FALSELY ACCUSING ME OF USING ANY TYPE OF CREDIT REPAIR SERVICE IS NOT A RESOLUTION TO THIS ISSUE.

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 2020-10-20 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
notified by XXXX  that there was an inquiry Inquiry was from company named " Comenity Bank '' Contacted Comenity Bank and was informed that they did not run credit report Contacted XXXX   again and they confirmed that Comenity did, in fact, run an inquiry I have no knowledge of Comenity Bank and am worried that fraud may follow. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: NM

Complaint narrative:
I received a letter dated XX/XX/2020 from Medicredit for the amount of {$1000.00}. Within 30 days, on XX/XX/2020 the letter I sent back to verify my debt was received by certified mail by Medicredit. I have not received verification of this debt but on XX/XX/2020 two accounts from Medicredit showed up on my credit report one for {$740.00} and one for {$180.00}. If this is part of the letter I received for {$1000.00} I never received a verification letter back from Medicredit therefore it should not be reported. If this is for something else it is fraudulent and I never received a letter for 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 2020-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
I was late on a payment and my wifes credit score was effected they reported her and now she was in the middle of a refinance and this  credit Report from GM financial effected her rate. I guess it was XXXX or XXXX that they reported it. I was waiting on unemployment and they never reached out to me to let me know they were going to report us. We have been paying them for over a year and everyone knows its pandemic and these are tough times for everyone so I think that it should of never effected mine or my wifes credit report. Could you please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have been a victim of ID theft. On XXXX I contacted CITIBANK that someone fraudulently took out {$1500.00} from my savings account and opened a checking account and requested an ATM. We notified the bank and they said that account is now frozen and that money is safe. We learned that this was NOT true. It appears thief processed an unauthorized ACH which was not done by me. I told bank to close the fraudulently open checking account and put funds back into savings account and to close account and to send me a check for all my funds. To date they keep opening and closing cases, I have 4 so far, and they have NOT sent me my money for the full amount I am owed.Please help in getting my money. I have at least 100 hours of phone calls to date. I keep getting transferred to XXXX and then request US rep but they do nothing or hang up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20 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: MD

Complaint narrative:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX   XXXX XXXX/XXXX  XXXX/XXXX   XXXX/XXXX  XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPARTMENT OF EDU XXXX XXXX - XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.

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 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Paypal Ref ID - XXXX Following my previous complaint and I had to close the Paypal account which was compromised and opened a new one. I have no choice since XXXX and Paypal are tired together and controlling the money transfer ( this monopoly has to be stopped! ). Paypal is acting likes a bank and collecting all personal info ( without appropriately protecting their users ) and help my money for over a month. It ; s as usual, we are never able to speak with any their staffs, all messages were answered by " copy and paste '' even though I provided all they asked for, they still wanted to hold my money for another 5 days until they finish " review. '' If I would had a choice, I never wanted to deal with Paypal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
My husband and I purchased property in XXXX NC in XX/XX/XXXX. Our lender was XXXX XXXX, but our loan was sold shortly after closing to Dovenmuehle. At the closing, we paid the insurance for the year on the property, thus we have had insurance  since the loan inception. In XXXX, we changed over our property to our business name, LLC. We notified Dovenmuehle of the  change and they required us to pay {$120.00} for the name change. Since XXXX, they have not changed our name on the loan. In addition, they have issued forced insurance coverage on us in the amount of {$4.00}, XXXX, increasing our monthly payment by $ XXXX/month. My husband has literally called them now over 25 times. The customer service representatives tell us they have all our information on file and can see that we have reached out to them numerous times, but they can not help us-  they do not have the authority to rectify the situation. On XX/XX/XXXX, my husband spoke to XXXX, customer service agent, and she told him it would take at least 2 months to adjust our payment. Why? This has been going on since XXXX and we provided them again with proof of our insurance ( with our XXXX name change ) in XX/XX/XXXX. On XXXX XXXX, XXXX, I spoke with Dovenmuehle again, the customer service rep. was nice and at least responsive, but said it takes 2 months to rectify this situation because of RESPA. The problem is Dovemuehle only  acknowledged this needed to be corrected XXXX XXXX, XXXX when we provided them with our proof of insurance in XXXX it's been much longer than 2 months. This should have been corrected before now and before we are FORCED to pay XXXX additional mortgage. We are paying for their mistakes. The customer service rep., XXXX admitted this to me today. Apologies are nice, but they do not negate the fact of their negligence to resolve this issue and requiring me to pay the extra mortgage fees. They said the earliest it could be corrected would be XX/XX/XXXX. This is a travesty and quite possibly the worst customer service I have ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: MD

Complaint narrative:
Hey I was just logging into my XXXX XXXX on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over 700. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX XXXX you can XXXX my name on XXXX XXXX XXXX is my XXXX XXXX. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: MD

Complaint narrative:
Hey I was just logging into my XXXX XXXX on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over 700. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX XXXX  you can XXXX my name on XXXX XXXX XXXX is my XXXX XXXX. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.

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 2020-10-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: STERLING BANCORP
State: TX

Complaint narrative:
I held a 12-month CD with Sterling National Bank ( XXXX ). On  XX/XX/XXXX, I received an email from Sterling National Bank letting me know that my CD was " coming up for renewal. A renewal notice will be mailed to your address on file in the near future. '' The email did not state the date of renewal. I never received the renewal notice in the mail. My husband did not receive this email - only I received this email. 

On XX/XX/XXXX, my husband received an email from Sterling National Bank letting me know that the CD had automatically renewed and containing a " Truth in Lending '' disclosure document. The disclosure document stated that the bank would allow a 7-day grace period for withdrawals without penalty following an automatic renewal. I did not receive this email -- only my husband received this email on XX/XX/XXXX, and he had to forward it to me. 

I called Sterling National Bank to ask when the CD had renewed, as I had never received the notice in the mail that was mentioned in the email sent on XX/XX/XXXX. I was informed that the CD had renewed automatically on XX/XX/XXXX. I asked why I never received my paper notice in the mail, and was informed that it was probably because Sterling 's address system did not include my apartment number ( which I had provided to them upon applying for the account ). 

I was told I could get out of the CD but would have to pay 3 months ' interest in order to do so ( a penalty of {$230.00} ). I asked about the grace period and was told that the grace period ended on XX/XX/XXXX. I informed the representative that I was not informed about the grace period until XX/XX/XXXX and therefore could not have canceled in time. The person on the line told me that there was nothing she could do and that it was my responsibility to know the dates. I informed her that I thought it was unlikely that banking regulations anticipate that retail banking customers will have better information than the bank itself. 

Sterling National Bank failed to inform me about the upcoming renewal and then failed to let me know about the grace period until after the grace period had elapsed. In fact, they never let me know about the grace period. They only informed my husband, and even then, he wasn't informed until XX/XX/XXXX when the grace period elapsed on XX/XX/XXXX. I believe they did this on purpose in order to assess fees from a retail customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I have a XXXX XXXX XXXX XXXX  that I bought from a dealer with a subprime loan thru Santander Consumer USA 7 years ago. Admittedly, I had to ask for loan assistance twice due to the XXXX XXXX of my son. Thus I expected the the 3 months would be added to the end of the load. The maturity date was XX/XX/XXXX. I called to ask why there was still a $ XXXX balance and they said I still owed that amount. They would see if they could do a re-modification of the loan. They came back with an additional 2 years at {$700.00} per month. I have been paying {$700.00} per month for 7 years and can't believe I now owe this much more. This doesn't seem reasonable to pay another $ XXXX for a car that will be 9 years old and the book value right now is < XXXX. I asked them to send me the agreement and the APR is 21 %. The breakdown is still part to the principle and part to the interest. I have not signed the agreement. I am considering voluntary repossession but I know this will severely affect my credit. ugh! They are bilking people with low credit scores. I suggested that I could sell the car to XXXX for XXXX if they would accept that as a payoff and they refused and told me to trade it in towards another car. I am almost XXXX years old and don't want another car payment. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: MD

Complaint narrative:
I recently obtained a copy of my credit report. In doing so I notice an account that I did not authorize this account to be on my credit report. I have attached a copy of my FTC report. Along with two proof of Identification. I am a highly intelligent XXXX XXXX Female. Please do not insult my intelligence by saying I am using a credit repair services. I know my rights and I know the law.

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 2020-10-20 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: RI

Complaint narrative:
Yes I paid my account off months ago and still reporting with a large balance which isn't so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: RI

Complaint narrative:
Yes I paid my account off months ago and still reporting with a large balance which isn't so.

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 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2020 I called Fifth Third bank regarding 2 charges total {$250.00} that did not get completed via the State of Michigan website. I tried called State of Mich 10 plus times to reverse charges because transaction was not completed ( see attached email from State of Mich ). So I called Fifth Third Bank to make them aware. I was told I would receive a letter soon ( see attached letter ). Letter was received on XX/XX/2020. It states that I have 3 days from date of letter ( XX/XX/XXXX ) to review, sign and return. I called the bank regarding this. They stated that their policy is 3 days. I told them that even receiving mail in 3 days is impossible. I was told that I have the option to fax or email the Declaration of Fraudulent Activity back to them. I pointed out to the rep/supervisor that there was NO EMAIL address on the letter. She put me on hold to read the letter. She returned and said " oh I guess you are correct ''. She was not even aware this. Please read attached letter. This policy is completely unfair, unethical and just wrong. They also cancelled my credit card via this letter. I should have been told this procedure when I called on XX/XX/XXXX, not 3 weeks later by letter. I was also told that a new card was on its way. As of XX/XX/2020 I still have no new card. Terrible policy and customer service.

Company response to consumer: Closed with explanation