vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM Financial has, for over a year, incorrectly reported my balance and continues to ignore my repeated requests to fix my account status with their company. I filed bankruptcy in XXXX of 2019, entered into a reaffirmation agreement in XXXX of 2019 ( attached ), and had the debts in my case XXXX in XXXX of 2019. I have made every payment on time since signing the reaffirmation agreement and have never once, before or after the agreement, been late or missed a payment. Yet when logging into my account, I still can not see my balance, the website shows my account in bankruptcy ( images attached ). My credit reports routinely have an incorrect balance owed because they don't update when I make my monthly payments. I have not received a single statement since entering into the reaffirmation agreement and they're not available online either. This results in an overstated amount owed on the loan on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
We moved out of XXXX  XXXX  XXXX XXXX in XX/XX/2020 - shortly thereafter, my husband started receiving phone calls from Rent Recovery Solutions stating that they were attempting to collect a debt on behalf of XXXX. However, I have spoken to the property manager several times and she repeatedly tells me that we have a zero balance and owe them nothing. We were mailed a final letter also stating that we owe them XXXX dollars and a refund check was included from the deposit we initially made. Why would we have gotten a refund if we still owed them money? That doesn't make any sense at all. The property manager has told me that she would take care of the issue of Rent Recovery Solutions contacting us, but unfortunately that has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Looking at purchasing a XXXX for ~ {$3000.00} via their website. They offered financing via TD Bank. The terms seemed good so I decided to finance it. 

Received a letter that I was denied credit. The same letter listed my credit score as XXXX out of XXXX. 

I checked my credit to see if something was amiss. It wasn't. The company clearly checked my credit. 

I followed up with TD Bank. They then sent another letter saying they were unable to verify my identity. 

I have worked for over 25 years, own two homes, and recently paid off a vehicle. There is no reason to deny my credit. The offer of financing seems like a scam. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: TX

Complaint narrative:
XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX BANKDispute DEPT OF XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-29 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: FL

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-29 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: TX

Complaint narrative:
XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXXXXX XXXXDispute DEPT OF ED/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above

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 2020-06-29 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: TX

Complaint narrative:
XXXXXXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute  XXXX  XXXXXXXX XXXXDispute DEPT OF ED/XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXXispute XXXX XXXX XXXXSDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXSDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above

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 2020-06-29 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: Westlake Services, LLC
State: NC

Complaint narrative:
Hello. This complaint is against Westlake Financial Services. They refuse to report to XXXX  and the other bureaus that I paid off my car on XXXX. My XXXX  report is showing a balance with Westlake for {$16000.00}. I disputed this and received the dispute results on XXXX stating that Westlake verified to XXXX  that the {$16000.00} balance is correct. I cant believe that they were blatantly untruthful. I called them on XXXX and spoke to XXXX. She told me that they will report my payoff to the credit bureaus within 2 months of the payoff. However, it has been more than 3.5 months, and they did not do so. Today is XXXX and I paid it off on XXXX. 

I have copies of the car contract. It shows the date of the original sale ( XXXX ) and the balance ( after the down payment ) that was financed by Westlake Financial ( {$16000.00} XXXX. I have the printouts from my personal and business checking accounts. I made 7 payments to Westlake totaling {$17000.00} from XXXX to XXXX. I have a copy of the car title that was sent from NC DOT. It has an issue date of XXXX. I have screenprints from the Westlake website showing my payment history and a note that my account is paid in full. Please contact Westlake on my behalf. Hopefully they will finally report to XXXX  ( and the other credit bureaus ) that my account has been paid in full and has a {$0.00} balance. Thank 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 2020-06-29 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: NY

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: NC

Complaint narrative:
I HAVE FILED MULTIPLE DISPUTES WITH EXPERIAN THEY HAVE YET TO FUIX THE FRAUD ERRORS ON MY REPORT I HAVE SENT EXPERIAN MY FTC REPORTS I HAVE FILED POLICE REPORTS THEY HAVE YET TO RESOLVE THE MATTER THEY CONTINUE TO REPORT XXXX XXXX XXXX XXXX XXXX ACCOUNT, THE XXXX XXXX ACCOUNTS AND XXXX XXXX   ACCOUNT ON MY REPORT I HAVE SENT THEM EVERYTHING I HAVE BEEN THROUGH THE DISPUTE PROCESS OVER 20 TIMES THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION. THEY ARE REPORTING THE ADDESS XXXX XXXX XXXX XXXX NC XXXX ON MY REPORT HAVE INFORMED THEM THIS IS ASSOCIATED WITH FRAUD AN THEY CONTUNE TO REPORT IT. I AM ASKING YOU TO INVESIGATE THIS AN HAVE THIS COMPANY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORTS WITH THE CREDITOR LISTED AS XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion continues to report bankruptcy related information on a bankruptcy filed more than 10 years ago ( filed in XXXX ). My XXXX account was reaffirmed in my bankruptcy, so the remark on my credit report is " reaffirmation of debt ''. I should not continue to be penalized or have a " derogatory '' account in my credit file for a bankruptcy filed more than 10 years ago. In accordance with the FCRA, the derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. This same situation was happening with XXXX, so I filed a CFPB complaint involving TransUnion, XXXX and XXXX. ( It is also important to note that the XXXX account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX - both with perfect pay histories. ) TransUnion responded to the complaint ( and my phone call ) advising that XXXX and XXXX had to request the removal. XXXX has already done so, but XXXX refused to take action. Until XXXX takes action and asks for my credit line 's removal, I will continue to have a " derogatory '' remark on my credit file - and this is a violation of 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 2020-06-29 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: NC

Complaint narrative:
Hello. This complaint is against XXXX XXXX XXXX. They refuse to report to Equifax and the other bureaus that I paid off my car on XXXX. My Equifax report is showing a balance with XXXX for {$16000.00}. I disputed this and received the dispute results on XXXX stating that XXXX verified to Equifax that the {$16000.00} balance is correct. I cant believe that they were blatantly untruthful. I called them on XXXX and spoke to XXXX. She told me that they will report my payoff to the credit bureaus within 2 months of the payoff. However, it has been more than 3.5 months, and they did not do so. Today is XXXX and I paid it off on XXXX. 

I have copies of the car contract. It shows the date of the original sale ( XXXX ) and the balance ( after the down payment ) that was financed by XXXX XXXX XXXX {$16000.00} ). I have the printouts from my personal and business checking accounts. I made XXXX payments to XXXX totaling {$17000.00} from XXXX to XXXX. I have a copy of the car title that was sent from NC DOT. It has an issue date of XXXX. I have screenprints from the XXXX website showing my payment history and a note that my account is paid in full. Please contact XXXX on my behalf. Hopefully they will finally report to Equifax ( and the other credit bureaus ) that my account has been paid in full and has a {$0.00} balance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Wrong outdated address on credit report, reporting agencies do not have my correct name has other names will not remove incorrect information

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 2020-06-29 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:
I HAVE FILED MULTIPLE DISPUTES WITH XXXX   THEY HAVE YET TO FUIX THE FRAUD ERRORS ON MY REPORT I HAVE SENT XXXX MY FTC REPORTS I HAVE FILED POLICE REPORTS THEY HAVE YET TO RESOLVE THE MATTER THEY CONTINUE TO REPORT THE STATES EMPLOYEES CREDIT UNION ACCOUNT, THE XXXX FINANCIAL ACCOUNTS AND XXXX XXXX   ACCOUNT ON MY REPORT I HAVE SENT THEM EVERYTHING I HAVE BEEN THROUGH THE DISPUTE PROCESS OVER 20 TIMES THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION. THEY ARE REPORTING THE ADDESS XXXX XXXX XXXX XXXX NC XXXX ON MY REPORT HAVE INFORMED THEM THIS IS ASSOCIATED WITH FRAUD AN THEY CONTUNE TO REPORT IT. I AM ASKING YOU TO INVESIGATE THIS AN HAVE THIS COMPANY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORTS WITH THE CREDITOR LISTED AS NC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: GA

Complaint narrative:
Went to the doctor several years ago. I was pretty sick with, need intervention at the time of arrival. Doctor 1 came in, said I had a XXXX and sent me on my way. Two days later I was no better, and went back to the medical center with same symptoms if not worse. Doctor 2 come in and says why didnt you come in sooner, you XXXX is basically XXXX. Two days would have been sooner enough. 
Doctor 2 Set me up for a round of XXXX and XXXX. Doctor 1 was the individual to administer treatment, and has the audacity to say looks like it got worse. 

Regardless of the situation, I was never contacted by the collections company in regards to the debt owed for what I would call malpractice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-29 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: NY

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Jp morgan Chase attempted fraudulent charges against my new account after a fraud alert was placed upon an old checking and savings account. I did not accept any outside checks to my compromised account.Only US treasury checks which I receive from the US XXXX XXXX  and the XXXX.US XXXX  which do not bounce.After notifying the bank of the error. I was billed against my new account from the previous denied checks.When asked who sent them or how did they get into my account. I was told nothing concerning this. Speaking to their several departments of customer service, check claims.on-line banking and their fraud dept. Nothing has been done. I living on a fixed income can not comprehend the callousness with whichever they handled or should I say not handled the matter, but began the game of stonewalling against they obvious mistake. I have no finances with which to recompense their fraud and am now appealing this case to you for further inquiry. I did make an initial over the phone claim where I was recorded and type casted into the consumer financial protection agency 's system by a very competent operator. Unfortunately I can not find the complaint number. Please verify my complaint against this financial institution having them to retract this false amount of {$700.00}. against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To Whom it concerns : Hi, I have a credit card account with TD Bank card service through the furniture store XXXX XXXX XXXX. I bought a XXXX dollar furnish last XXXX with the free APR finance for half year. I arranged the automatic payment to pay the balance in full in six months. but due to the operation problem from my bank. so i missed the last payment to pay the balance in full, which is about XXXX dollar. now they charged me over XXXX dollar interest on my account. this is not fair charge with only XXXX dollar balance. during the covid-19 ciris, people can delay their payment. I continued to make payment. the XXXX dollar int charge is not fair. I expressed my concerns to TD Bank. they did not want to reduce the int charge. 

Best

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIDFIRST BANK
State: GA

Complaint narrative:
XXXX continues to report bankruptcy related information on a bankruptcy filed more than 10 years ago ( filed in XXXX ). My Midland account was reaffirmed in my bankruptcy, so the remark on my credit report is " reaffirmation of debt ''. I should not continue to be penalized or have a " derogatory '' account in my credit file for a bankruptcy filed more than 10 years ago. In accordance with the FCRA, the derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. This same situation was happening with XXXX, so I filed a CFPB complaint involving XXXX, XXXX and Midland. ( It is also important to note that the XXXX account was closed on XX/XX/XXXX and Midland Mortgage was closed on XX/XX/XXXX - both with perfect pay histories. ) XXXX   responded to the complaint ( and my phone call ) advising that XXXX and Midland had to request the removal. XXXX has already done so, but Midland refused to take action. Until Midland takes action and asks for my credit line 's removal, I will continue to have a " derogatory '' remark on my credit file - and this is a violation of 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