vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 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: WA

Complaint narrative:
I obtained my Equifax Credit Report in response to my request via XXXX  to order to review it for accuracy. I received my report which was assigned " Confirmation # XXXX ; dated XXXX. On XX/XX/2019 I sent Equifax a letter outlining corrections ; along with utility bill for ID and supporting documentation. On XXXX checking for a status of my XXXX letter, I attempted to use Equifax website ; and it would not allow me access my account. I tried the XXXX given on their correspondence but got a warning that " SITE IS NOT SECURE ''. I then tried two different numbers and finally reached a live person. Rep stated that I had to answer security questions. These were not the normal type questions with multiple choices answers. These were like " name all banks that you ever had a loan with, including name of bank, amount of loan, payment amount. Next was name all credit cards I've ever had including company name, account number, balance and payments. I explained I have a 60 year credit ; and did he really need ever one open or closed in the past 60 years. He responded yes. I had already given him the confirmation report number and even that does not have every account I ever had. I asked for a supervision which he allegedly transferred me and left on hold. Finally I hung up. there was no call back although the rep asked for a call back number. 

On XXXX I received a response dated XXXX ( why couldn't the live agent tell me that a response was sent?? ). New report confirmation number is XXXX. 

1 ) They show my PO Box but not my physical address ( the other 2 CRA 's show both ) 2 ) The removed one previous address as requested but did not add another previous address. 

Accounts 1 ) I requested one account to be closed and remove. It was closed but not removed 2 ) I requested 3 accounts to be removed as all 3 were closed more than 10 years from the closing date. This were not removed even though each has a comment " will automaticially be deleted ten years from the report date. '' Report date? What date?? that does not make sense. 

Biggest PROBLEM- AN ACTIVE ACCOUNT WAS CORRECT ON THE FIRST REPORT DATED XXXX. I MAKE NO REQUEST FOR ANY CHANGES. IT WAS NOT MENTIONED IN MY LETTER XXXX. 
B UT EQUIFAX MADE A CHANGE UNDER ADDITIONAL INFORMATION : " A TEMPORARY UPDATE FREEZE ON FILE. THERE IS NO EXPLANATION AS TO WHY.. I CALLED THE COMPANY. EVERYTHING IS CURRENT AND IN GOOD STANDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has reinserted addresses on my credit that I disputed and the took off but reinserted the addresses. I do not live at XXXX XXXX XXXX XXXX, XXXX, ohio XXXX nor did I ever live at XXXX XXXX XXXX, XXXX ohio XXXX. Both these addresses was removed but equifax keeps reinserting them. I have sent in several forms of documentation supporting my dispute and they seem to keep doing what they like. There is also a few more accounts that was reinserted without notification nor validation nor verification. XXXX XXXX, XXXX, and XXXX XXXX. I have had it up to no witts end with this agency. CFPB obviously does not do there job this should not keep happening! Remove these address and the accounts that XXXX is showing in there computer system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
Hello, my home loan was purchased from XXXX XXXX XXXX by FlagStar bank in XXXX  of 2019.  At the time of my refinance, Flagstar bank was given proof of homeowners insurance.  I have received several notifications from FlagStar that they never received proof of insurance and that they are going to charge me for reinsurance, which is taken out of my monthly mortgage payment.  I have repeatedly called, emailed and faxed this company to proove that I have had consecutive homeowners insurance and yet they repeatedly deny receiving my proof.  I just want them to stop taking money from me fraudulently.

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 2019-08-05 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:
I have sent in all the proper documents to have this item remove from my credit. I was told by Experian that if i sent in the ftc and other supporting docs that they will remove the 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 non-monetary relief
Consumer complaint received 2019-08-05 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. GM financial  is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card with XXXX, opened 6 months ago. According to XXXX, Bank of America, which is my personal bank, has been stopping and returning my payments to them, even though I have ample funds to pay my scheduled payments. On XX/XX/2019, a scheduled auto pay of {$25.00} to XXXX was returned by B of A unpaid. On XX/XX/2019, a payment I sent of {$54.00} was returned unpaid XX/XX/2019. A scheduled payment on XX/XX/2019 was cancelled by the Bank of America. XXXX has closed my account, and I can no longer use the credit card. 
I called Bank of America on XX/XX/2019, and spoke with XXXX in Texas at XXXX XXXX. I was transferred to XXXX in bill pay. XXXX called XXXX, and promised Bank of America would write to XXXX explaining B of A 's continual errors had caused my problem. During this call I spoke with XXXX at XXXX XXXX ( same phone call ) and she told me I would be receiving a copy of the letter to be sent to XXXX to solve the problem. This woman had me spell out and confirm my email address repeatedly, even though I have been receiving email from the Bank of America at that email address for years. No letter was sent to me. 
I called Bank of America at XXXX XXXX on XX/XX/2019 to check why nothing had been done. I spoke with XXXX, who transferred me to XXXX, who helped me initiate a conference call to XXXX.XXXX from XXXX ( id # XXXX ) and I spoke as of XXXX XXXX. We were transferred to XXXX at XXXX ( ( id # XXXX ). XXXX took a credit report from me to see if she could restore my card. The system has locked my account down and could not be reopened. XXXX would not speak with Bank of America and myself on the phone at the same time. 
I wrote a letter asking for help from XXXX Executive Branch. XXXX ( sp? ) from the Executive Branch of XXXX called me to tell me a letter needs to be written from Bank of America, on their letterhead, to XXXX, XXXX XXXX XXXX, XXXX XXXX, SD, XXXX. XXXX 's phone number is XXXX XXXX. She called me Friday, XX/XX/2019. The letter needs to indicate that bank error has caused my unpaid payments. I spoke with XXXX in West Virginia at Bank of America on XX/XX/2019, XXXX, and requested a supervisor. I was advised the supervisor would call me back as soon as 15 minutes later. No call was ever received by me from anyone at Bank of America since then.

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 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
CFPB, I have a automated payment set up from my checking account to pay off my Amazon debt. I didnt expect my minimum payment to increase. I was charged for three late fees from XXXX, XXXX, XXXX and I didnt receive notification of them until XXXX. I would like to file a complaint because I never miss a bill payment and I didnt receive a notice from Amazon until I made contact with them by phone and received notification that they emailed me notification about my minimum payment increase from {$25.00} to {$27.00} I have been paying the minimum payment of {$25.00} for more then 36 months and I wasnt expecting for there to be a minimum payment increase or receive notification by email that my minimum payment increased from {$25.00} to {$27.00} after three months of my automated payment. I would like to file a complaint because I shouldve received notification about my late payments each month. 

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 monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc.
State: WA

Complaint narrative:
This debt has to do with my daughter 's birth on XX/XX/XXXX. My former midwives ( In XXXX XXXX - XXXX XXXX, XXXX, WA ) planned to charge a second attendant fee but given that they transferred my care, they never had a second attendant. They then tried to change it into a transfer of care fee. They refuse to go through insurance XXXX XXXX ), although the only reason I worked with them to begin with was because they were in network. They passed on my debt to a debt collector ( Renton Collections ) who has not contacted me until I realized they've been reporting a debt against me since XX/XX/XXXX. I contested their claim via transunion as an invalid debt. Renton Collections provided a statement for {$200.00} giving no description of services. This needs to be billed through insurance and simply sending me a piece of paper showing {$200.00} ( with no description ) is not a verification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: FL

Complaint narrative:
This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. XXXX XXXX is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.

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 2019-08-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. XXXX XXXX is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. XXXX XXXX is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.

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 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX call me every day try collect account under my name form XXXX XXXX ( time Share ) Rude person. XXXX dispute w credit bureau because im never sign papers w my SS in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a credit card account with XXXX XXXX bank. The balance was {$.00} and was so for several years. I received a call in mid-XXXX 2019 from them. They informed me I had a balance due of {$79.00}. It was their annual renewal fee. I told them I did not want to renew and to close the account. They did not do then they reported to the credit agencies my account as late in XXXX, XXXX, XXXX. I contacted them again to resolve the situation. I was told they closed the account and removed the negative reports from my credit. 

This has not happened and they continue to report inaccurate info 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 2019-08-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a credit card account with XXXX XXXX bank. The balance was {$.00} and was so for several years. I received a call in mid-XXXX 2019 from them. They informed me I had a balance due of {$79.00}. It was their annual renewal fee. I told them I did not want to renew and to close the account. They did not do then they reported to the credit agencies my account as late in XXXX, XXXX, XXXX. I contacted them again to resolve the situation. I was told they closed the account and removed the negative reports from my credit. 

This has not happened and they continue to report inaccurate info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a credit card account with XXXX XXXX bank. The balance was {$.00} and was so for several years. I received a call in mid-XXXX 2019 from them. They informed me I had a balance due of {$79.00}. It was their annual renewal fee. I told them I did not want to renew and to close the account. They did not do then they reported to the credit agencies my account as late in XXXX, XXXX, XXXX. I contacted them again to resolve the situation. I was told they closed the account and removed the negative reports from my credit. 

This has not happened and they continue to report inaccurate info 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 non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
Finance manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. 

Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a mortgage equity loan with PNC Bank. I had a 60 day late payment put on my credit report in XXXX of this XXXX. I had been attempting to make the payment and dropping the payment in the night deposit as i do not have any other type of account with them. They were also transitioning all of the accounts do different account numbers at the same time, for what reason i have no idea. So i had written my old account number on the attempted payment. They did not attempt to cross reference the account numbers or anything and instead just held onto my payment. I did not realize this until almost two weeks later when i received something in the mail stating that no payment had been made. Again i do not have online access since i do not have any other type of account with them. I am just trying to get this 60 day late dropped to a 30 day late because of the obvious and strange circumstances that occured during this period of time. I am not current on this account but this obviously affects other credit items with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
These people are very unprofessional! First I refinanced my loan with them only getting {$100.00} out of it. When I went in that day, they had a kitten that they found outside locked in a room in the back! No food or water! Then XXXX put " optional insurance '' on my loan but didn't tell me it was optional! I had to call corporate and have them take it off. Third, on Friday XX/XX/19, XXXX XXXX called me at work! On my work phone! When I told her I needed something sent to me to show what I owe because I was about to file bankruptcy, because they never gave me any paperwork, she LAUGHED and said I couldn't file them on bankruptcy because I hadn't made my first payment. They let me skip my payment for XXXX, for " customer appreciation '' month but didnt tell me I was going to have that interest put on my first payment after I refinanced! I'm very dissatisfied with the way they do their customers and after reading other reviews about them, I'm starting not to trust them at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to get information on things that are reporting on my credit file. I decided to enroll in Experian monitoring site so I can get a better idea as to what is reporting. Since the site is run by the bureau I assumed that the information was more accurate than something like XXXX XXXX ( a third party ) reporting site. I received my report directly from Experian on XX/XX/2019 and they removed several things. However two months later those items reappeared without any notice. Since I am getting the information directly from the bureau how can they not report accurate information every month? This is frustrating.

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