vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested Experian remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Business Bureau
State: IL

Complaint narrative:
Med Busi Bur XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
on XX/XX/XXXX I sent in a dispute requesting that they delete the public record due to incorrect reporting between the credit bureaus. I sent in proof and ask for an immediate deletion. Results came back and nothing was changed. This inaccurate reporting is wrong and goes against the law. I also have two credit reporting incorrectly XXXX  XXXX bank. Attached is the information that is reporting incorrectly. Please help me remove this inaccurate information. 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 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Our current mortgage is with Select Portfolio in XXXX XXXX XXXX, XXXX. We have been working with XXXX XXXX out of XXXX, XXXX. since XX/XX/2021 to refinance our mortgage. Upon checking the title, XXXX found that Select Portfolio never recorded the lien/deed. We have contacted Select Portfolio on many occasions and have spoken to numerious agents who have not been able to get the process handled. With this being said, XXXX XXXX has cancelled our loan process due to being unable to get the title information correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX stated that the balance on my account is due to the XXXX  deductible which ally only covered XXXX and the insurance didnt however the insurance company took the XXXX  deductible out of the settlement check before they even paid XXXX so Im still confused as to how do I have a left over balance on my account when there was no deductible included in the first place the settlement amount that the insurance settled for was XXXX when they subtracted the XXXX  dollar deductible that left a balance of XXXX so again Im confused why they are saying the balance left on my account was the amount the insurance didnt cover

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 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hello I have one credit card left on my account that I have been trying to dispute for almost two years. I had total of 3 credit cards, now I just have one because I paid off the other two. again I was trying to dispute it but the capitol one company have been giving me hard time.the account is close and send to debt collection. Again I paid the other two and I told them between the two cards I gave you guys XXXX is it something that can be done with the last card. I paid the other two XX/XX/XXXX  and XX/XX/. This last card is XXXX balance on it the last payment I made on it wasXX/XX/XXXX. The account status is closed, and Its charged off as bad debt canceled by credit grantor. They have no information of me. They been hounding me for the money ever since and its affecting my credit score drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: MD

Complaint narrative:
Received three mailings in the past 45 days for debts in 3 different individuals names that do NOT live at my address. I still have two of them. I threw the other one out. The two I have now have other people 's names on them that I do NOT know. They do NOT live here. I have lived here for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX BANK-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXXBalance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) -Balance : $ XXXX-Date Opened : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To XXXX, Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
MY XXXX XXXX XXXX SON WAS BEFRIENDED BY UNKNOWN PERSON ON XXXX, WAS TOLD HE CAN MAKE MONEY BY CASHING A CHECK. HE RECEIVED A CHECK OF {$4500.00} AND WAS TOLD TO DO A MOBILE DEPOSIT AND THEN INSTRUCTED TO SEND MONEY OFF TO DIFFERENT PEOPLE THRU CITIBANK " XXXX '' OF {$1000.00}, {$1000.00}, AND {$500.00} AND WAS TOLD HE CAN ALSO KEEP A PORTION OF THE MONEY. HE DID THE MOBILE DEPOSIT AND THEN STARTED TO REALIZE SOMETHING WASNT RIGHT AND FEARED THIS WAS NOT A LEGIT SITUATION AND SOUNDED LIKE A SCAM AND TOLD THEM HE WASNT GOING TO SEND THE MONEY AS REQUESTED AND WAS GOING TO TELL THE BANK THAT IT WAS A SCAM AND WOULD NOT CONTINUE WITH SENDING OFF THE MONEY TO THE PEOPLE THRU XXXX AS THEY INSTRUCTED HIM TO. THEY THEN SENT HIM PICTURES OF A GUY ALL DRESSED UP WITH A XXXX AS A XXXX  AND CALLED HIMSELF AN XXXX AND HE WAS SENT TO XXXX MY SON IF HE DIDN'T DO AS THEY SAY. MULTIPLE VERY THREATENING MESSAGES. HE FEARED FOR HIS LIFE AND ENDED UP SENDING THE MONEY AS REQUESTED THRU XXXX. AFTER THAT HE CAME TO ME FREAKING OUT THAT AND I GOT INVOLVED AND CALLED THE BANK TO REPORT THE FRAUD AND DISPUTE THE CHARGES. THE MOBILE CHECK THAT WAS DEPOSITED APPEARED VERY FRAUDULENT THE 1ST SECOND I SAW IT WAS SUPER OBVIOUS. THE BANK 1ST OF ALL SHOULD HAVE NEVER ACCPETED THAT CHECK. THEY SHOULD HAVE REJECTED IT. THE BANK DID NOT HONOR OUR DISPUTE FOR THE 3 XXXX PAYMENTS AND I APPEALED THEIR DECISION AND THEY ONCE AGAIN RESPONDED THAT I AM RESPONSIBLE FOR THE CHARGES OF {$2500.00}. I FILED A POLICE REPORT - MY SON WAS THREATENED AND FEARED FOR HIS LIFE AND THE BANK IS NOT CONSIDERING THAT AND NOT TAKING RESPONSIBILITY THAT THEY SHOULD HAVE NEVER ACCEPTED THE DEPOSIT IN THE FIRST PLACE.

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 2021-09-29 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: AL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2021-09-29 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: Synovus Bank
State: GA

Complaint narrative:
First Progress has inaccurately reporting late payments on my credit file and these late payments are causing me undue hardship because they are inaccurate. I attempted to contact the company several times and they have an answering service with individuals from overseas who are extremely rude, lack knowledge of company policies or how to remove this inaccurate information off my account. This company continues to report late payments on my XXXX credit report to no avail illegally, I have never missed a payment with this company. I setup this account with my monies as a secured credit card but now because of their inaccurate reporting they are causing my credit report to suffer more damage then they are assisting me. I would like them to immediately cease and desist reporting this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I submitted an application to Wells Fargo Home Mortgage to refinance my existing mortgage on XX/XX/XXXX. I was informed by the representative that I had to pay appraisal fee & if the application was disapproved I would be refunded the fee. I agreed and paid the fee. However, during the process I received the approval estimate for the agreed loan, however, the company disapproved the application during the final steps of the process because my deed was a life estate deed & they requested I reverse the deed. I attempted to change the deed however with the Covid outbreak the office was closed to the public & everything was being done by mail which would take longer. I informed the mortgage co. & they stated that I would lose the rate lock that would result in paying another fee to keep the rate lock. Therefore, they closed the application & I requested the refund of the fee, which was denied. I filed a complaint with the company & they responded on XX/XX/XXXX stating that the fee was to a third party & they had no evidence that the representative informed me that I could be refunded. I have full powers of the property in the life estate deed & the company informed me that I could remove it & then place it back in life estate deed once the refinance was completed, which did not make any sense to do and cause more fees.

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 2021-09-29 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: LA

Complaint narrative:
Their are inaccurate information on my credit reporting

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 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a checking account ONLINE yesterday with Citibank. Per my instructions, they've already taken money out of another account ( from a different bank ) to fund my new Citibank checking account. However, when I opened the new checking account, Citibank only furnished me with the last four ( 4 ) digits of my new Citibank checking account number. In order for me to register to have access to this new checking account, Citibank requires me to have the full account number ( not just the last four digits ). I've called Citibank on the telephone ( having to hold for up to 20 minutes before someone answers ) several times and Citibank will not give me the full account number. They just transferred me to different departments ( like credit cards ) that has nothing to do with my checking account. Citibank is the worst financial institution I've ever dealt with.

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 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that it's removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I assisted my sister-in-law with a gift of funds to refinance her home after my brother died. The lender sold the loan to PennyMac. Since the close of the loan in XX/XX/2021, I have received all the emails sent from PennyMac Loan Servicing referencing my sister-in-law 's name with loan and escrow information. I have called on 5 different occasions to get the correction made. Today 's call with XXXX, the rep that answered, is my last attempt at getting a simple correction made to information that was given incorrectly. When she didn't understand the explanation twice, I suggested she escalate the call. I was put on hold twice while she escalated, but never transferred to anyone that might have a better understanding of the issue, I hung up after a 17 minute call to nowhere. I attempted to provide her with my sister-in-law 's email and she indicated I have to have the borrower call to make the change. It is not a change. It is a correction and the borrower 's information should not be sent to someone not authorized to receive it. On two of the previous calls the reps took the information for the correct email, but obviously never made or submitted the change. I have attached the most recent email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I had student loan from 2010 when I was in college. The student loan is for XXXX XXXX in XXXX, FL. The loan was suppose to be for XXXX I paid XXXX of it. I owe XXXX left, I been gradually paying it over the years. but the impact of the remaining balance have left my credit score tremendously low. it was originally at XXXX but I got it down to XXXX on top of paying the other loan. Again its been open and I would like this resolve from my account. its XXXX XXXX service US Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
I began to get collection notices from XXXX starting on XX/XX/2021. I received another debt collection notice on XX/XX/XXXX, also by email and then yesterday, I received another collection notice in the mail - that is on XXXX. I have never taken a loan from XXXX. I have never contacted XXXX. I have no idea of what they say is the amount of the loan. I have never received any funds from 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 2021-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I took out a loan with World Finance Corporation in XXXX, SC this past summer. The first payment was less than 30 days late. They never once tried to contact me through my personal number, but instead began to call my office numerous times a day over a course of a week. I had XXXX during the second billing period, so I was unable to go into the office to pay the bill. I was told to slide the money under their door. I payed a {$240.00} payment that day. They continued to call stating I never made the payment. Eventually, after speaking with corporate, they honored the payment. Just recently, I forgot to make my payment online that was due XXXX XXXX. Today, they called a family member of mine that was listed as a reference. I never received a phone call from them to my personal phone. Instead, they called a family member. They are using bullying and harassment tactics. I have always paid my amount due, and actually paid more than the minimum payment. They do not have permission to call my place of work or family members to bully me when I am less than 30 days late. This kind of practice should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Their are inaccurate information on my credit reporting

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 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am holding Checking Account with Bank of America way back from 2010 Last year in Covid due to personal emergency I had to withdraw the fund and due to which I went low on balance and I was started charging fees Due to personal situation I did not got a chance to review the account and was keep getting charged for 12 months around XXXX $ I spoke to them and request to wave the fees but they are not considering the same I had another saving account link to the same account and have enough balance but they are not considering that

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation