vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-11 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: MN

Complaint narrative:
The following credit inquiries listed on my Equifax and XXXX  credit report are all fraudulent and unauthorized : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Credit Inquiry XX/XX/2021, Factual Data is mortgage company they advise that they dont see my information on computer spoke two mangers two different days ; they advise I need to report Fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: MN

Complaint narrative:
My XXXX XXXX XXXX  Visa Credit Card : XXXX is lost/stolen. All of the transactions listed from XX/XX/2021 to XX/XX/2021 for {$400.00} is all fraudulent charges and transactions. My card is lost/stolen with fraudulent transactions.

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 2021-07-11 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX  and Experian credit report are all fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XXXX buyer reported my sold item and ebay charged my account XXXX for an XXXX  i sold in perfect conditions to buyer and he recieved it at right address.I never got my XXXX  back and they want to make me oay for something i sold correctly it isnt fair and i dont think this charge is correct. Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
In XXXX I was approved for a modification from Ocwen Loan servicing on my mortgage. I filled out the documentation and faxed it off. They said they never received it and told me I had to start all over in the modification process. For the next 3 years I made appointments with relationship managers, submitted documentation over and over and over again. Each time I would be denied but never told why. In XXXX I applied to a program called Making Homes Affordable that the State of Oregon and OHSI ( Oregon Homeownership Stabilization Program ) offered and got approved. They would help me catch up my mortgage and Ocwen would not send them the total dollar amount needed to catch up the arrears. Ocwen literally played games with both myself and OHSI. By this time I was very close to going over the {$40000.00} limit this program allowed. This drug on into XXXX, I went over the XXXX and Ocwen wouldn't return OHSI 's phone calls, emails etc. Ocwen then sold out to PHH Mortgage/newrez and I have spent the last two years trying to get somewhere with them. I make appointments with relationship managers who have to call me at a time that works for them. Several times I would not get the call or I would get disconnected. The few times I did get to talk to one they offered no answers, no help, just fill out another application and resubmit. The last time I called I got passed around for 45 minutes to different departments and then hung up on. I have documentation going back all the way to XXXX Letters, applications, income documentation, notices stating they need more documentation or the documentation is expired and I have to resubmit, etc. I was told recently I was denied because its more then 90 days past due. It was more then 90 days past due when they purchased the mortgage from Ocwen. They are burring me in my home and for the last 7 years I have tried to get this fixed. XXXX XXXX from OHSI has been helping me since XXXX trying to get this fixed and he also has gotten the runaround. I am now at an accelerated amount of {$280000.00} with the principal balance interest bearing {$140000.00}. I can not get any help, they said they don't have any program to help me because i am 90 days past due. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: OR

Complaint narrative:
Hello, I have disputed a bankruptcy showing up on my report in 2013. Since I have opened many accounts with a 100 % on time payments. I have taken advice from credit report companies and score goes down a lot. My score stays between XXXX XXXX approximately. Over the last eight years I have paid and continue to pay tens of thousands in interest. My report doesn't even come close to accurately describe my responsibility to make payments on time. I have been told bankruptcy should be removed after seven years and one of the reporting agencies ( XXXX  ) removed it and my score went way down. Equifax, XXXX  do not remove even when I dispute it and request they remove. I am a lower income senior who needs help. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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:
Help, Help, Help. 

The TransUnion Credit Bureau Company insists on ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today on XX/XX/2021, that the TransUnion Credit Bureau Company on XX/XX/2021 had lowered my score. The reason is that I have too many delinquent or derogatory accounts. 

I do not have any derogatory accounts ; I repeat, I do not have any delinquent accounts. 

No other Credit Bureau Company has lowered my score. In fact, they received a letter from the Mortgage Company " XXXX, '' and they immediately updated their systems, and my accounts with them do not show any delinquency or Derogatory. 

I am attaching all the official letters for the investigation. 

I worked hard all my life to maintain a good credit score and to have an excellent credit report.

TransUnion Company must stop building its decisions on false information. The company has to change back my score and report to where they used to be.

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 2021-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have used Venmo for several years. 
My bank funding sources randomly become blocked on the Venmo platform and Venmo 's response has been to use another bank. They provide no explanation nor solution other than to use another bank. 
I have used XXXX XXXX  and XXXX XXXX  as my funding sources, and my accounts with those banks have been successful in using Venmo ( for months at a time ), then all of a sudden, my transactions using those banks, become blocked. No reason, no explanation and no solution has been offered by Venmo other than to use another bank. 
I have used 3 different accounts that I hold at XXXX XXXX  and XXXX XXXX  and I find this to be unacceptable. 
I have called my banks and both say the problem is not on their end and in my contact with Venmo, they say to try again or use another bank. 
I am being discriminated against for unknown reasons and I want my bank accounts with domestic US financial institutions to be accepted for transactions ( again, they worked for months, are valid, but now, all of a sudden, Venmo has blocked them ). 
My most recent request # with Venmo for this issues is XXXX. 
Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: MN

Complaint narrative:
I am still having an issue getting my Sage Stream Consumer Report. I have sent identification documentation, but I havent received my Sage Stream Consumer Report as of today. All of the information, accounts and credit inquiries listed on my Sage Stream Consumer Report is all fraudulent information, accounts and credit inquiries, because I was just recently released from XXXX after being XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, DOB : XX/XX/1974, SSN : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: OH

Complaint narrative:
I lost my wallet and now after reviewing my credit report I see someone has been trying to buy things using my personal information. I have not given any of the companies that are on here to review my credit for anything.

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 2021-07-12 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: LA

Complaint narrative:
I've been disputing XXXX XXXX account along with other inaccuracies with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX XXXX myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX XXXX, TransUnion, and 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 2021-07-12 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: LA

Complaint narrative:
I've been disputing XXXX XXXX account along with other inaccuracies with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX XXXX myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by Equifax, XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: LA

Complaint narrative:
I've been disputing XXXX XXXX account along with other inaccuracies with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX XXXX myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX, Experian, XXXX, and 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 2021-07-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am making this complaint because despite my efforts for a resolution I have failed to receive a LAWFUL remedy for fraudulent reporting of adverse accounts on my report. On XX/XX/21 I sent letters out to the credit reporting agencies Experian, XXXX, XXXX  requesting deletions of these account but after 60 days only one account was remedied. 
They following account needs to be DELETED from my consumer report : Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Account Status and Last payment XXXX Account Number : XXXX I XXXX XXXX as the only " natural person '' and also " original creditor '' did NOT give instruction for these agencies to furnish this adverse account on my report, I do not validate this alleged debt. According to Congress law under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G )

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 2021-07-12 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: MARINER FINANCE, LLC
State: LA

Complaint narrative:
I've been disputing my Mariner Fianance account with XXXX XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to Mariner Finance myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX XXXX XXXX, and Mariner Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a " loyal '' American Express cardholder for over 30 years. As far back as I can remember, I have a flawless payment history. The latest humiliation/discrimination regards covid-19 relief. This allows members to postpone payment without penalty. I was hospitalized earlier this year due to Covid 19 and have had financial challenges since. I did use the benefit once since then but did make my payment as promised. Because of continued hardship, I was unable to make my payment on time. I requested an extension per the relief offered to all American Express members. It was denied but I was told I still had until XX/XX/XXXX to make payment without penalty. I can and will keep my word. However, when I asked why I am being denied ( please remember I have been a " loyal member '' for over 30 years with a flawless payment history, their agent in the finance department could not answer. He then attempted to get further information from his supervisor but it was denied. No further information was provided. All I could get was apologies but absolutely no information as to why the benefit for which I paid a large annual fee was denied. Again, given my very long history with American Express and an excellent payment history, I was denied a benefit provided to all members. I feel that I a being singled out or penalized and what is worse is, no one will tell me why. In XX/XX/XXXX, I used my card extensively and still paid my bill in full and on time. Their response was to lower my available credit. They wanted to confirm my income. I provided it and it was still not enough reason to restore my credit line. I do not know why this is happening but I am very offended. I feel discriminated against and I am not even able to defend myself or rectify the matter - if any. I am no longer happy with American Express. If, after enduring all these years, and going through Covid 19 are not reason enough. to be a proper member of this " club '' then they do not need my business and I shall let everyone know of my trauma. This is a trauma because every time I have needed my American Express, at the most inopportune times, they have let me down. I no longer believe in their " Don't leave home without it '' motto. It is misleading and they don't provide their services as offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 lost my wallet and now after reviewing my credit report I see someone has been trying to buy things using my personal information. I have not given any of the companies that are on here to review my credit for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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