vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 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: TX

Complaint narrative:
I'm writing this letter because this company is hurting my credit report and I have a factual evidence to prove so : I open my account on XX/XX/2019 and the rep which I called on XX/XX/XXXX verified my due date for the account and every payment that I made on this account. she told me on a recorder called that my payment was due on the XXXX of every month and that my payment was {$51.00} dollars please see below for my date and record of payments XX/XX/XXXX i paid XXXX dollars ( double payment ) XX/XX/XXXX I paid XXXX dollars ( another double payment ) XX/XX/XXXX i paid XXXX dollars XX/XX/XXXX I paid XXXX dollars ( double payment ) XX/XX/XXXX I paid XXXX dollars ( double payment ) So technically I paid {$200.00} in XXXX which should have covered my XXXX XXXX XXXX and XXXX payments then in XXXX I paid {$51.00} which should have covered my XXXX payment in XXXX I paid {$100.00} which should have covered my XXXX and XXXX payment and in XXXX I paid {$100.00} which should have covered my XXXX and XXXX payment and the payment on XX/XX/XXXX for {$51.00} would have covered my XXXX payment the only time anyone could ever say that I was late was my XX/XX/XXXX payment which I paid 17 days later on XX/XX/XXXX which I've been paid XXXX 's payment 15 days early essentially. 

the Fair Credit Reporting Act says that they can not report me late unless I'm 31 days late and this is absolutely ridiculous I called and ask their company to take care of the issue because it's clearly an accounting issue and I have never been late more than 30 days on a recorded call their supervisor said that I was more than 30 days late in XXXX because of how they applied the payment but on my credit report it shows that I was on time in XXXX but that I was more than 30 days late for XXXX 's payment this is an accurate as technically I paid {$150.00} in the month of XXXX and they verified this I'm trying to get a house in this is having a major effect on my credit report simply because they do not know how to do accounting. the supervisor tried telling me that they applied my over payments to the principal but that is their fault not my fault this is an accounting issue and I've never paid them late I want this account either removed completely from my credit report or I want them to update the status that I was never more than 30 days late thank you for your consideration PS they recorded the call on XX/XX/XXXX and I also reported the call to prove to my attorney of what they said

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 2020-02-28 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: NY

Complaint narrative:
My credit report reflects two hard inquiries being made into my credit as follows : Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.

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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2020 I TRIED TO CALL TRANS UNION, XXXX, XXXX  AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK XXXX THAT WELL

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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report reflects two hard inquiries being made into my credit as follows : Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: NY

Complaint narrative:
My credit report reflects two hard inquiries being made into my credit as follows : Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: Integrated Asset Recovery LLC
State: CA

Complaint narrative:
Portfolio recovery is misrepresenting itself as a factoring company on my credit reports which is a violation of the FCRA as they are actually debt collectors. The inaccurate reporting is for XXXX XXXX XXXX XXXX, account # XXXX. I have attached proof directly from my credit report which should without a shadow of a doubt verify the inaccuracy.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I sent a letter to a collector that I found on my credit report for a debt that I paid and was assured would be deleted YEARS AGO. I sent them a letter asking them to do what they promised when I paid the debt, and delete it. that mail was returned to me because the address was incorrect. so I waited, checked my credit, got the address again, and it is the same. Penn Credit has not reported accurate data. I want this account deleted and I have no idea how to contact them. They've never sent me any mail. I only settled the debt to get it removed from my credit, and it's still there, and no my right to dispute it has been fully removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
My credit report reflects two hard inquiries being made into my credit as follows : 1. Inquiry from XX/XX/XXXX Institution Information Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 2. Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
NewRez became my loan servicer in XX/XX/XXXX ( mortgage was originated in XX/XX/XXXX ). My first payment was due to NewRez in XX/XX/XXXX, which I made. I subsequently made a payment in each of the following months. 

Suddenly in XX/XX/XXXX I was contacted by NewRez to inform me that I am 1 month behind on payments. As I had made a payment is each month, I thought this must be an error. I have called and emailed NewRez a dozen times at this point and can not obtain any clear information. I was able to learn that all the payments that I had made to NewRez were reversed on XX/XX/XXXX and reapplied. One representative told me that their appeared to be an error with the reapplication of the payments, but needed a " supervisor '' to review my account. The supervisor was supposed to call me back, but I have received no such call. Instead I have received several collection calls. 

I mailed an Notice of Error to the address posted on NewRez 's site in hopes of finally getting some information on this matter. If there is anything the CFPB can do to help me, I would welcome the assistance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: FACTUAL DATA CORP.
State: NY

Complaint narrative:
My credit report reflects two hard inquiries being made into my credit as follows : 1. Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 2. Inquiry from XX/XX/XXXX Factual Data XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
ftc violatoions XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-02-28 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: OH

Complaint narrative:
I have submitted multiple dispute with Equifax. Equifax is reporting late payments on my credit file for a XXXX XXXX account that was closed and paid in full in XXXX. I have also contacted XXXX XXXX who indicates they have not submitted anything to Equifax. Each time I file a dispute which has been three times, Equifax adds another month to the late payment. This has been devastating and is impacting my credit reputation. I submitted a letter to Equifax asking for written documentation and proof that XXXX XXXX is submitting this information. Equifax will not provide any written documentation and keeps indicating that XXXX XXXX is submitting this information. I have attached written letters and disputes that were mailed to Equifax. I am very concern that Equifax is not accountable for these errors. 

I have attached a follow up letter with XXXX XXXX to show on XX/XX/XXXX they responded after I reached out regarding the late payments posted to my Equifax Credit file on XXXX and XX/XX/XXXX. To date this is the only documentation I have received from XXXX XXXX via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: FL

Complaint narrative:
XX/XX/2020 I TRIED TO CALL XXXX XXXX, XXXX, EQUIFAX AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK ENGLISH THAT WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: FL

Complaint narrative:
XX/XX/2020 I TRIED TO CALL XXXX XXXX, EXPERIAN, XXXX AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK ENGLISH THAT WELL

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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN

Complaint narrative:
In the spring of XX/XX/2019 we received an extra charge that was put on our monthly mortgage invoice in the amount of {$2600.00}. After Multiple phone call attempts to Lakeview Loan Servicing customer service, someone finally told me the reason the extra charge was added was because of attorney fees related to the sale of our neighbors property. I was confused as to why we would be charged attorney fees when we had nothing to do with the sale of our neighbors property. I called my neighbors attorney to inquire and he confirmed we should not have been charged any sort of fee. He created a letter to state this and I sent it to my mortgage company. It has been almost a year and the fee has still not been reversed.

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/XXXX went to Costco with my husband who has a Costco Citi Visa in his name. He attempted to use the Citi Visa but it was declined. 
XX/XX/XXXX returned home to verify that Costco XX/XX/XXXX. bill of {$540.00} had been sent electronically by our bank through bill pay service. Check had cleared. Further, the XX/XX/XXXX. bill due in early XX/XX/XXXX was in process of being paid the precise same manner. Noted that I had paid bill pay and the check paying Citi Visa showed my name ( I have a different last name than husband ) but same address and credit card number was on the bill pay check to Citi Visa. 
XX/XX/XXXX My husband and I called Citi. We explained that we had the cleared check and they told us to send the cleared check to an incorrect PO box in S.D. 
XX/XX/XXXX I mailed the cleared check with an explanation to Citi. 
XX/XX/XXXX My mailed check to Citi was returned with message saying incorrect address XX/XX/XXXX I called Citi and they provided the correct address. For a second time, I mailed check to Citi to the correct address XX/XX/XXXX My husband received a letter ( dated XX/XX/XXXX ) from Citi Visa sayng they had recieved my check, they were holding the money {$540.00}, and asking which account it should be credited to.Also, he was incurring a late penalty. 
XX/XX/XXXX My husband and I again called Citi to explain that check bearing my name, was sent by our bank and intended for my husband 's account. We explained that I have a different last name as my husband but we live at the same address. Again, the bank check had my husband 's card account number on it. The bank said they were holding our money but could not credit my husband 's account unless we sent the form mailed to us. Citi refused to refund the late fee. The XX/XX/XXXX form says we may call Citi directly to explain.On the XX/XX/XXXX phone call, Citi Visa said they were recording our call. My husband said that he would record the call as well ( legal in VA ). Citi said they would hang up if we recorded the call. We did not record as we wanted this issue settled. 
XX/XX/XXXX Mailed the form letter back to Citi again. 
As of XX/XX/XXXX, have not heard from Citi.

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I used the AMEX Serve for a cruise with XXXX XXXX I took XX/XX/2020. I deposited XXXX to the card. After the trip the card was charged XXXX but still had holds from the vendor XXXX that equaled the total amount XXXX. I called Amex the day I got back to America with the final charge posted and my complaints about the holds. After informing them XXXX released the holds and it was up to my bank to finalize I was told by the first rep it takes a total 3 business days. After a week of phone calls ( XX/XX/XXXX to XX/XX/XXXX today ) and given different time lines from different reps. XX/XX/XXXX I spoke with XXXX XXXX who said by XX/XX/XXXX {$220.00} funds would be available. Today I was told by a supervisor XXXX XXXX XX/XX/2020 that I would only be receiving XXXX cents by XX/XX/XXXX of my money as the card was in the negative from the pending charges. Not one time did any rep including the supervisor offer to help the situation call the vendor or anything to rectify the issue. They could see what was happening ( supposedly ) but their hands were tied and they  blamed the vendor XXXX for bad timing on canceling holds XXXX already released a week ago. She didn't believe that and I couldn't believe that she tried to blame the vendor when a few seconds before on the phone with another rep they told me its nothing Amex could do to release the holds and it takes them up to 8 business days. What a rip off! Just a week before I had an issue with a declined transaction being deducted from the card only to be told the funds would be returned and never were. They told me they would have a supervisor call me within 2 hrs to find out why they funds that were " on hold '' did not refund. Please what ever you do don't USE AMEX SERVE. Not only was customer service unprofessional, the supervisor told me she would disconnect the phone call if I asked for ID # one more time b/c she already gave me the information. I was livid at this point but was able to get the number ( XXXX XXXX ) is the name. How dare she threaten me when Being a consumer keeps her phones ringing. I explained to her this is stealing and she argued with me I was crazy then she disconnected the phone. I would like my money back asap or help with this matter asap! Another issue I explained was each day a hold was released by Amex doesn't show me on the website or the customer service rep so that they could see clearly what was being held and the final amount that was deducted from the card. That to me is confusing for anybody ( consumer or representative ) and not user friendly what so ever. I also requested an email on several occasions at least stating the conversation that we had but she was unable to do that so what type of help was she giving accept for me to kiss her behind and Amex. Absolutely terrible. Ill stick to my Unsecured and Secured credit cards from here on out. 

Serve.com XXXX Domestic Calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We were behind on payments and entered a Chapter XXXX bankruptcy in XX/XX/2015. Our unpaid principal mortgage balance at the time was {$100000.00}. The total paid to Ocwen through the bankruptcy trustee was {$29000.00}. and when we exited the bankruptcy they said our principal balance is {$99000.00}. They can't or won't provide any information how the money was applied to the account or an explanation as to where the other {$21000.00} is. We recently applied for a modification and now they say they're adding arrears of {$16000.00} back in to the principal balance so our payments under the modification will be more than the regular payments.

Company response to consumer: Closed with explanation