vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 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: SC

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC
State: CT

Complaint narrative:
Dear CFPB, I need your help resolving a problem with HarborOne, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NH XXXX www.harboronemortgage.com HarborOne has  offloaded my home mortgage to XXXX  XXXX.XXXX.XXXX XXXX  is placing numerous, daily phone calls to my mobile number, leaving a message to call them back, when you do the only thing available is an automated system and no way to get a human being on the phone. 
Back in XXXX I reached out to HarborOne XXXX NH only to be told they can not help me and gave me the XXXX. XXXX  link If you follow the link you will see for yourself : XXXX  does not list an email address on the Contact Information portion of the web site link. 
XXXX has a Login, but there is no mechanism for me to access Set Up of that feature. 
Add the fact that XXXX answers the phone with automation, no means or mechanism to speak with a human being or leave a voice message. 
At this point XXXX is not sending me my monthly statement. 
I am in fear they are trying to make me late or put me into default. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing Account Number XXXX, with XXXX  XXXX XXXX. I have been paying {$300.00} a month for more than a year and XXXX  XXXX XXXX continues to state on my credit report that this is a charge off. The amount owned never changes as well. 

Example of XXXX  : XXXX  XXXX XXXX XXXX {$24000.00} Closed 27 charge-offs Example of Transunion : XXXX  XXXX XXXX Last reported XX/XX/2020 {$24000.00} Reported balance Remarks Charged off as bad debt Profit and loss write-off Transunion and XXXX  please remove from 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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a hard inquiry on XXXX XXXX from XXXXXXXX XXXX XXXX  XXXX  XXXX from purchase made on XX/XX/XXXX which I did not authorize on purchase made. I asked before purchase to salesperson XXXX XXXX at store XXXX I had an account she stated it's open account from XX/XX/XXXX and she just needed to update Information job history and address I asked if it was going to be a hard inquiry because I didn't want one on my credit report she stated it would be a soft inquiry because they do in house finance and I already had an open account in good standing. I then made a purchase amount of XXXX I paid XXXX cash in store with a balance of XXXX on XX/XX/XXXX and made a XXXX payment on XX/XX/XXXX I recently seen a hard inquiry on credit report from Synchrony bank for XXXX XXXX. I called both parties on XX/XX/XXXX and Synchrony bank has no Account with me and XXXXXXXX XXXX XXXX  states I have a in house account with them and not with Synchrony Bank. I called XXXX XXXX in XXXX XXXX and they said they cant help me but they will check into it. As of XX/XX/XXXX I have an open account from XX/XX/XXXX with XXXXXXXX XXXX XXXX  a hard inquiry from Synchrony bank for XXXX XXXX XXXX and no current account Information from purchase of XX/XX/XXXX from XXXX XXXX  on credit report. Please help me 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 non-monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I had an accident at work on XX/XX/XXXX and was ordered to go to XXXX ( at : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) by my former employer, XXXX, through workers comp. I have since been harassed by this third party creditor ( Merchants Credit Guide ), who has been falsely accusing me of this debt which falls under the responsibility of XXXX. I called XXXX and they even provided me with a claim number : XXXX and a dedicated line to XXXX XXXX XXXX XXXX for XXXX employees : XXXX XXXX XXXX XXXX XXXX. The XXXX representative confirmed that various charges can be handled under one claim. On XXXX and XX/XX/XXXX, I disputed the two charges that Merchants Credit Guide placed on my credit reports. Under my XXXX  report, they only removed the one that was for {$230.00} and kept the one for {$1000.00}, even though they ( Merchants Credit Guide ) listed the same account creation date of XX/XX/XXXX for both. They also only removed the ( opposite ) charge of {$1000.00} on my XXXX  report and kept both on my XXXX  report, even though I disputed all ( 2 ) of the charges, via all three bureaus. There are so many inconsistencies. I dont know how they can confirm that I dont owe a certain amount to one bureau, and yet confirm that I do under another bureau. Lastly, the creditor needs to handle this issue with XXXX and not me because I do not owe this debt. The creditor has even gone so far, as to call my partners relative to discuss the debt ( this, in itself, is already in violation of the Fair Debt Collection Practices Act ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I ordered a XXXX using my PayPal account. It was supposed to stretch my back. Instead, an order from XXXX arrived with a cheap piece of plastic that collapsed when I put my back on it. After trying to resolve the issue with the merchant, who did not provide a sufficient response, I turned to PayPal to dispute the charge, which I should be allowed to do for merchandise that was not received as advertised ( AKA a back stretcher that didn't collapse ). PayPal responded that for the {$34.00} purchase, they would require me to ship the item back to THE XXXX AT MY OWN COST, likely costing substantially more than the {$34.00} I paid for the item. This is unacceptable. PayPal advertises that it protects consumers but this is not protecting us. The case ID with PayPal is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am applying for a loan and need to unfreeze my account at Experian. I have called 10-15 different numbers listed on XXXX as well as logging into my account on Experian. The Experian website is as close to no help as any website I have visited. Even when logged in there is nor readily identifiable way to go to the the section to unfreeze you account. They only hype unlocking you account, which is a fee based action, and do not show a way of getting to unfreezing. If you go to questions and answers they talk about the differences between unlocking and unfreezing, but there are no links to either. If you search on XXXX to unfreeze your account you can find an area within Experilan to accomplish the unfreezing. Unfortunately you need to know your pin number to accomplish it. They do have another part of their website where you can request your pin online. Unfortunately, after filling out their form it comes back and says we can't provide the number. You will have to provide 4 or 5 pieces of identity to them by mail to Texas. That obviously will not be timely to obtain a loan. 

At all of the numbers I called there was not one that offered the ability to talk with an individual to resolve an issue. I have had to do the same thing with XXXX XXXX and XXXX  and both of those companies have access to persons by phone to resolve problems and in fact in both cases individuals were able to resolve issues and unfreeze my credit reporting. 

The level of assistance Experian provides, together with the power they have over financial transactions, is completely inadequate and they should be held accountable for their lack of service. I believe that they should either be forced out of business or required to provide meaningful service to their " customers. ''

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 2020-07-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX   XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX   XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, AZ XXXX MULTIFAMILY potentially negative icon Potentially Negative StatusClosed. {$15000.00} written off. 
Account TypeUnsecured Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7500.00} written off. {$7400.00} past due as of XX/XX/XXXX. 
Account TypeUnsecured Balance {$7400.00} Account Name XXXX XXXX / XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$240000.00} Highest Balance {$0.00} Terms 30 Years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For the last three days after updating my new address and phone number I can not use my debit card due to " Fraudulent activity " there is no fraudulent activity all I'm trying to do is spend my money I've talked to the bank three different days XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX had my account verify on the XX/XX/XXXX made the bank aware I would be spending a good amount of my money in my checking account before hand. The Bank reassured me that they were aware that I would be spending some money right after I got off the phone I would be buying supplies due to the pandemic and food which at this time I have not had any for a while a few hundred dollars worth of supplies and food they said yes do it we have it noted on your account, I then shop, buy, then check out to be accused of fraudulent activity by the bank via electronic transfer Today the XX/XX/XXXX I am told that they can't do anything about that fraudulent activity notice to just keep trying to use my card different places till it works and they would send me a new card within 10 days. This is a pandemic i don't have money I have XX/XX/XXXX of the XX/XX/XXXX I can not leave my home I'm in XXXX oh yeah and that I am XXXX with XXXX XX/XX/XXXX to where I can't even go out normally without assistance this is why I virtually bank Very unprofessional I've talked to over 12 people the last three days working for this Bank.they 're all aware that I will call them if there was any problem with my card because I have been calling them about my card to just all this to come about because I updated my address and phone number due to a move which is being displaced I have been displaced due to the pandemic so guess it's just unreal that they can not do something about this for 10 days they can't hurry up and get something to me knowing I have no food they just can't help me no more they can't do nothing for me.so this pink is going to let me go without food or supplies needed supplies I'm not talking about just supplies I am talking about I needed supplies due to being in quarantine that I can not get my own money out of their Bank with the debit card that I've had for a while from their Bank do to change my address 80 point news XXXX XXXX i d i can't give him a current ID because the DMV in California is not open to just anybody I have numbers from the DMV showing that I have been contact with them I have applied for an ID I was turned down on my appointment date at the California DMV due to social unrest in the pandemic to go back three more times to not be able to go inside the DMV I have a work ID that's not good enough for from the city of XXXX public library they act like a library card no it's a employee ID from the city of XXXX for the public library like I keep telling them which has my picture on it name on it. It works better than a California ID anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
In XX/XX/XXXX, I began to receive notifications for a bill from USAA, who had previously provided me with renter 's and auto insurance. USAA had made the decision on XX/XX/XXXX to cancel my policy for non-payment. 

In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. The debt owed to USAA was included in this bankruptcy. The bankruptcy was discharged on or about XX/XX/XXXX. However, USAA continues to attempt to collect this debt and alleges now that I have even enrolled in a separate policy. 

I have sent letters and several messages to dispute the debt ; demanded USAA cease and desist collection efforts ; provided three copies of my order of discharge ; and have spoken with a representative on the phone -- who verbally promised on XX/XX/XXXX to clear the debt but now refuses to honor the bankruptcy discharge. 

As of today, XX/XX/XXXX, it is my understanding that USAA will attempt to send this debt to collections.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: CA

Complaint narrative:
I disputed a few accounts on my credit report back on XX/XX/XXXX. It has been nearly two full months and I have heard absolutely nothing from the credit bureaus. I understand that mail may be delayed a bit due to Covid, but it is nearly double the time they have to respond. I believe that they have no intention of responding to me and that is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am disputing Account Number XXXX, with Bank Of America. I have been paying {$300.00} a month for more than a year and Bank of America continues to state on my credit report that this is a charge off. The amount owned never changes as well. 

Example of XXXX  : Bank of America Balance {$24000.00} Closed 27 charge-offs Example of XXXX  : BANK OF AMERICA Last reported XX/XX/2020 {$24000.00} Reported balance Remarks Charged off as bad debt Profit and loss write-off XXXX  and XXXX  please remove from 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 2020-07-24 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
Hello - Back in XX/XX/2020, Banco Popular de Puerto Rico ( or Popular Services ) issued me a rewards MasterCard through XXXX XXXX XXXX  XXXX. 

I transferred a balance from XXXX XXXX to them. 

I never received any monthly statements, calls, emails, etc. My bank has credit alert benefit and alerted me that Banco Popular reported me as not making payments and reported me late. 

I contacted them, immediately brought my account current with them and advised them I did not received any correspondence. I also asked them to correct the late payment notice on my credit, they said to contact you. 

I would just like to have the late notice removed from the report for this bank. I have a feeling you have received many complaints regarding this financial institution. I will be paying my account off fairly soon and closing this account. 

Please assist me or advise how I can remedy this. 

Thank you for time in advance. 

Sincerey, 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 2020-07-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The complaint is against equifax for not properly notifying me with in 30 days on two separate complaints.

See pdfs for verification. 
One submitted in 4 dintvrecieve response untill 6 And another submitted on early 6 not revieving a response untill XX/XX/24 You details you will have to look at supporting documents. This complaint us against Equifax, not the companies which initiated the disputes. 

When directly communicated with equifax they say thier system shows a response from the companies with in 30days, but the documentation in pdf format shows that they failed to notify me with in 30days.,  they refuse to admit fault even when presented with the evidence of the pdf. The complaints came through the cfpb, responses should be returned via the cfpb so that is trackable by and independent third party, and not he said she. 

I am specifically not mentioning the names of the companies, because if I do equifax with despite the validity of the accounts reguardless of what my note says or the menus options pressed before this page. They are not handling complaints as requested by users. 

This is a complaint against Equifax for not updating me within 30 days of the initiation of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NY

Complaint narrative:
I contacted the XXXX XXXX XXXX  in response to inaccurate information posted on my Equifax credit report. When I received the debt validation letter from XXXX XXXX XXXX, it became clear that the account on my report does not belong to me. The information on the documents provided are not my own. The name, address, and social security on the document is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX Debt Collection  harassment of the debtor for credit card charge-offs issued by Comenity Bank such as Victoria 's Secrets. I am a divorced XXXX  XXXX XXXX XXXX living on social security. I have a difficult time paying for XXXX  and the prescription XXXX  to minimize the complications of XXXX. I was XXXX  for complications  of XXXX for several weeks and spent six weeks in a XXXX XXXX. When I returned home my apartment was ransacked. Social security card, passport, and driver 's license were among the items missing. A Victoria 's Secrets account was opened and merchandise purchased. I don't remember opening up this account. Comenity Bank informed me the account was in collections. I began to receive multiple robocalls each day on my cellphone from different phone numbers. I answered the phone the call on my cellphone and immediately the call would terminate. Unless the number matched a contact in cellphone I just blocked the number. As a result of this continued harassment, I missed an important call from XXXX XXXX XXXX provider to inform me they had not received payment for the month. Within a week XXXX XXXX XXXX provider canceled the XXXX  coverage. I would have to wait until open enrollment for coverage.

Company response to consumer: Closed with non-monetary relief