vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I recently refinanced my home with loanDepot. During this process, the Loan Officer XXXX XXXX and I had an agreement : that I will receive {$1000.00} in Lender Credit for the two friends I referred him. Before the referrals, on XX/XX/XXXX, he sent me a Closing Disclosure that showed fees in Section B ( Services Borrower Did Not Shop For ) to be {$1400.00} and a Lender Credit of {$2500.00}. After the referrals, on XX/XX/XXXX, the fees in Section B had increased by {$820.00}, but the Lender Credit had only increased by {$1400.00} ( the Lender Credit should have increased by {$1800.00} ). In other words, {$320.00} of the {$820.00} fee increases in Section B were not compensated for. My understanding of TRID rules is, if fees in Section B change from one disclosure to another, the lender needs to make up for the difference. 

My family has brought up this issue with the Loan Officer XXXX XXXX and his supervisor XXXX XXXX on XX/XX/XXXX. XXXX XXXX has agreed that {$320.00} should be refunded. However, they have stopped responding after XX/XX/XXXX. Emails to them on XX/XX/XXXX and XX/XX/XXXX have not been returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been having a nightmare with Citibank, they closed both my checking and savings accounts since XX/XX/20. However, they are refusing to return my balances to me. Im so hurt and upset about this. It has been almost four months of countless calls, visits to the branch etc. All to no avail. I received an email from Citi stating that no funds were owed to me after the closing of my accounts. I have attached my bank statements and also my bill from XXXX that I have begun repayment on. The email also states that any funds received from XXXX would be returned to them. After contacting the XXXX, I was informed that no funds have been returned to them. Can someone please me resolve this matter? Thank you so much

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 2021-01-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ACCOUNT IS BEING REPORTED WITH {$7800.00} BALANCE XXXX XXXX 2021. MY XXXX XXXX XXXX XXXX BALANCE IS {$0000.00} XXXX. CORRECT INFORMATION. MY DUE DATE IS THE XXXX OF EVERY MONTH.

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 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion took a collection off and then they put it back on This is the THIRD time they have done this!

This is so ridiculous {$1100.00} is owed in the collection. It was removed and then placed back on. 
This is not okay to keep taking off and putting back into my credit report and it needs to be removed completely! 

They did not verify collection they just placed it back on!

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 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or about beginning of XXXX XXXX i had apply for a credit card ( walmart /capital one ). it was turn down because of the credit score that XXXX had sent them ( XXXX ). i had called XXXX about it and they said they did not tell capital one that, dated XX/XX/2020 from source : XXXX consumer relations. I have an XXXX credit score of XXXX on line from XXXX. i had filed a dispute with XXXX  on XX/XX/2020, about this. ( # XXXX ) .now i don '' t who is tell what to who or who is just putting down the wrong information. I had sent a letter to capital one with the same information, that seem to be the only way to contact.them haven't heard from them. 

Now just apply for a XXXX XXXX credit that was turn down by The creditor is XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX again by XXXX  info, .I only use 2 % of my credit creditworthiness. & credit score of XXXX i have 21 credit card i really don't need another card but i get for the discount & rebates. 

THANKS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Accounts on credit report. company called me while recovering under XXXX. Accounts were to be paid by the VA, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-07 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: CITIBANK, N.A.
State: IN

Complaint narrative:
We opened a company credit card with Citibank over twenty years ago, and the company has since closed. The credit card remained active, and a few months ago, I paid off the balance. There was a return, which caused a credit amount on the card. I asked Citibank to send a check and close the account. Citibank sent a check in the name of the closed account, but I can not deposit the account since I do not have a checking account with the name of the closed company. I have the check that was issued by Citibank in the name of XXXX XXXX XXXX  XXXX, and at this point, Citibank is saying there is nothing they can do. 
So, I understand that Citibank will keep my money in the amount of {$310.00}. 

Is this fair?

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 2021-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Chapter XXXX Bankruptcy XX/XX/2021 To Whom It May Concern, Your company is currently reporting a negative listing regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
Debt is in litigation and should not be on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I purchased a brand new XXXX phone XXXX of last year. I used XXXX financing through TDRCS ( TD Retail Card Services ) to purchase the phone. I did not like the phone so I returned it through XXXX during the manufacturers allotted window. XXXX was late in crediting the account and as a result I was incorrectly assessed late fees. I was sent a letter from collections at TDRCS stating I owed money. I was told by XXXX that everything was taken care once I submitted my phone back and they credited the account. After talking to TDRCS collections about the situation they told me I had to file a dispute with TDRCS customer service, a different office. I filed a dispute in early XXXX. TDRCS has reversed the charges because they have sided with me but my credit score was dropped more than 70 points for the unpaid late fees. I called customer service and they told me to file a dispute with the credit agencies and they couldn't fix it despite them reversing the charges. I was incorrectly assessed late fees and then my credit report was hit with unpaid charges after XXXX credited the full amount back to TDRCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Chapter XXXX Bankruptcy XX/XX/2021 To Whom It May Concern, Your company is currently reporting a negative listing regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.

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 2021-01-07 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: FL

Complaint narrative:
Chapter XXXX Bankruptcy XX/XX/2021 To Whom It May Concern, Your company is currently reporting a negative listing regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.

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 2021-01-07 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: IN

Complaint narrative:
I have tried multiple to have my XXXX  auto loan show correct information on my experian report. I have made my payments on time and it doesn't show anything. My auto loan does not even show up on my credit report, so now I'm not receiving any benefits towards my credit. Please help me understand why this information is not being shown on my credit experian 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 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To whom it may concern, I have been a long time American Express card holder, platinum card holder with average annual card purchases of {$280000.00}. Never missing a payment. I contacted American Express on XX/XX/XXXX requesting assistance, a payment arrangement that American Express offers for Covid19 related financial difficulties do to my bank accounts being hacked and all available funds embezzled. The American Express customer service agent after presenting my details stated that American Express has no program at this time to offer me. I repeatedly asked why as this made no sense to me. The more I questioned the agent the more she responded with short responses. I requested to speak with a supervisor. The agent finally agreed to transfer my call. The American Express agent whom I then spoke with was exceptional, she stated yes there is a program, which requires a down payment equaling XX/XX/XXXX of my balance then 11 equal payments and my account would remain in good standing and no derogatory reports to the credit bureaus. At that exact time I did not have the funds to make the initial payment to enroll in this hardship program. I asked what is the last day and was told XXXX. On XX/XX/XXXX. I received a letter from American Express that my account was closed due to foul language. In the same letter I was provide a phone number to call with any questions. I called this number to the corporate office numerous times per day only receiving recorded messages. I had left voice mails which took American Express 5 days to reply. During this time on XXXX I went to enroll in the hardship program notated on my account and was then informed since my account was closed on XXXX I NO longer can enroll nor speak with any American Express customer service representative and that I only can speak with the corporate office. To date XXXX I have received 3 calls and nothing has been done, my credit now is ruined by American Express. I was a great customer spending in excess of {>= $1,000,000} in past 4 years alone. American Express needs to be held accountable for their abusive actions. How can American Express be allowed to do this to anyone? 

Then to add to American Express unethical tactics my XXXX XXXX XXXX card was also cancelled.The 4 explanations offered NONE pertained to any true event.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank failed to appropriately investigate my dispute. I submitted a certified letter on XXXX and Citibank did not report the negative item as disputed to XXXX, XXXX nor XXXX. Which again proves Citibank did not investigate my dispute or cares about my concern. I am including your response letter which states that a dispute note was added to the " XXXX XXXX account each time '' which is a not truthful. You have not provided any documentation that shows you investigated my dispute. I am providing proof of your failure to follow the law by properly reporting my dispute with the submissions of my XXXX, XXXX and XXXX credit reports to the CFPB.

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 2021-01-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: VA

Complaint narrative:
On XXXX my card was compromised and someone charged my card numerous amounts of unauthorized charges. 
In the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive reached out to my card company server all times to dispute that this was unauthorized and they havent gotten back to me about whats the solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: IL

Complaint narrative:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from 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 2021-01-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX that I was ( 30-60 ) days late in 2020 on the XXXX XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. ( I have also attached the call log information confirming my conversations with XX/XX/XXXX for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and needs to be removed. I have contacted XX/XX/XXXX as well as the bank to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation