vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX XXXX {$190.00} US DEPT ED XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I applied for a COVID 19 forebearance in XX/XX/XXXX due to losing my job because of Covid 19 and today I received a Debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stating that my car loan payment wasnt received for XXXX and they are reporting this information to the credit bureau agencies. I received an email shortly after my application for forbearance that my request to not pay for 3 months was accepted but they are now still reporting this lack of payment to the credit bureau. I received the delinquency letter from them dated XX/XX/XXXX and When I just called them they said they called me and I didnt answer the phone so they are not accepting my forebearance request. This bank is not following federal guidelines due to the Covid 19 crisis mandates. Please contact XXXX XXXX XXXX XXXX to ask them why they are not abiding by Federal rules.

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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX, I had a dispute rent payment dispute with XXXX XXXX XXXX XXXX, XXXX, PA which was sent to collection agency ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, vide Account Number XXXX. The disputed was resolved on XX/XX/XXXX. 
The XXXX XXXX XXXX informed me that all Credit reporting agencies, including Equifax Consumer Services were notified in writing on the closure of dispute. In XX/XX/XXXX, I approached XXXX for COVID Loan, and for Standard Equity Line of Credit ; however XXXX declined both my applications based on Credit Reports provided by the Equifax Consumer Services stating ; " Delinquent Past or Present Credit Obligations with others. '' I made made numerous unsuccessful phone calls to Equifax at the provided # ( XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX at ( XXXX ) XXXX, and Collection Representation, Ms. XXXX XXXX, confirmed that the Account # XXXX was closed on XX/XX/XXXX and all Credit Reporting Agencies, including Equifax, were conveyed this information in a timely manner as per guidelines. She also promised to send a written response to validate action of XXXX XXXX XXXX. 

The Equifax Consumer Services has acted negligently by not correcting my Credit History for more than 2-years, and this has tarnished my image, credit score, and credit worthiness. Equifax Consumer Services provided incorrect Credit Report to XXXX, which deprived me to obtain timely financial assistance in form of low interest Loan and Equity Line of Credit. 

I am requesting the CFPB for assistance to get my Credit Report corrected, take appropriate action against Equifax for being negligent, and provide fiar compensation for tarnishing my image and preventing me from obtaining timely financial assistance in COVID-19 crisis. 
Regards XXXX XXXX XXXX XXXX, XXXX ,  XXXX, XXXX, XXXX Attachment- Proof of Payment to XXXX XXXX XXXX Credit Card Payment Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was involved with a payday loan from ace cash express that I couldnt pay back. Ace cash express called me and threatened to find someone from their location services team to locate me and serve me court papers. When I tried to get information about the papers they wanted to serve me they said they only communicated with them via email and their is nothing they can give me. Ace cash express also told me they will continue calling my job or family members until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX  XXXX {$190.00} US DEPT ED XXXX {$1700.00}

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 2020-05-05 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX XXXX {$190.00} US DEPT ED XXXX {$1700.00}

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 2020-05-05 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not good.I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them 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 2020-05-05 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not good.I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them 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 2020-05-05 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 — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I was notified that my credit score with SageStream was around 400 which was odd because my credit score with the top 3 is over 800. I submitted an inquiry and credit report request per their website instructions and 3 months later I get a letter stating that my credit score is XXXX  BUT there is no credit report. 

This all seems very suspicious to me so I am reluctant to ask for it again given the information they collect. 

I am not sure how some unknown credit agency has the right to report my score less than half of the big 3!!!! I think it is a scam and it will hurt people if they have to rely on bad information when requesting credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Page 1, Paragraph 4 of my Promissory Note indicates that I have the right to prepay my mortgage with any prepayment charge yet SPS, INC is charging me a Prepayment Change on EACH of my loans ( XXXX & XXXX ) totaling more than {$2000.00} per the last payoff quote. This is not my first complaint on them and this is not the first time they have tried to scam me. I am attaching the Promissory Note they provided in response to a previous complaint, a payoff quote they also provided, and my last monthly statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: CA

Complaint narrative:
I just reviewed my credit report because i received an alert staying that my personal information my have been part of the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made the payment for my Chase account on XXXX of the post minimum plus additional monies, for a total of {$150.00}. On XX/XX/XXXX I noticed that the accounted indicated I missed the payment and had been charged a late fee and I then reached out to Chase. I received a response on XX/XX/XXXX that they do see the payment, that the late fee would be reversed, and that the payment will show on the account. 

I checked my Chase account on XXXX and saw that the late fee was removed but now I had a past-due payment. I called on XXXX and was told that the payment was made " too early '' and was posted to the previous billing cycle even though I had a minimum payment amount for the billing cycle in question. I was told there was nothing that could be done and that I was just asking them to " lower my balance ''. I made a payment on XXXX to bring my account current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 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:
I have a XXXX  balance on my XXXX Credit Card that is open. I would like that adequately reflected on all credit reports.

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 2020-05-05 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:
I have a XXXX  balance on my XXXX Credit Card that is open. I would like that adequately reflected on all credit reports.

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 2020-05-05 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$0.00} XXXX XXXX {$700.00} XXXX XXXX   XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/2020 the mortgage company sold to a new company. I received a letter at the end of XXXX from the new company stating that payments for XXXX could not be recieved by them until XX/XX/XXXX and after. I made the payment on the phone on XX/XX/XXXX and it is credited on my account when I view my statement on the website. At the end of XXXX, I received the payment coupon for the XXXX payment. It stated I needed to pay {$450.00}. XXXX. I called the company after looking on line and seeing a totally different amount to pay. I did not receive a return call. I emailed the company on XX/XX/XXXX and received a letter in the mail on XX/XX/XXXX stating that the mortgage company received my inquiry and would get back to me. They have not and it is XX/XX/XXXX! I sent in the coupon they gave me with a check for XXXX which was cleared by my bank on XX/XX/XXXX. The check was sent before the due date. This amount is not shown as credited on my account as of today, XX/XX/XXXX. In fact I received the statement for the XXXX payment stating that i had made no payment in XXXX and now owe {$1200.00}. XXXX ( i assume their is also a late fee in there ). I emailed the company on XX/XX/XXXX. I emailed the company on XX/XX/XXXX and I called the company on XX/XX/XXXX with no answer and no replies back to me in any way about what the issue is with my statements and the website since 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 2020-05-05 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: GA

Complaint narrative:
COVID-19 has made it very rough for me financially. I have been doing what I can to improve my credit with the objective that I can move toward more resources and more assets. I am experiencing remarkable difficulty arriving at Equifax and endeavoring to address certain information on my credit report. Equifax has extremely poor correspondence, I didn't get a phone call, email or, mail, nor are they affirming the information I am challenging. In view of the negligence of the credit organizations I have not had the option to push ahead to quiet a segment of the budgetary weight I've endured during the ongoing months. I sent correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are attached and gotten no reaction. I want to have these issues examined and settled as fast as could reasonably be expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: CA

Complaint narrative:
I just reviewed my credit report because i received an alert staying that my personal information my have been part of the XXXX  data breach

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 2020-05-05 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: CA

Complaint narrative:
I just reviewed my credit report because i received an alert staying that my personal information my have been part of the XXXX data breach

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 2020-05-05 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:
I'm filling this report because, I check my credit and notice so many fraudulent Activity on my credit it seem like whoever stolen my Identity was out of control. they was running my credit with so many different major Companies. I would like to put a fraud alert on my Credit. these Accounts that's on this report I did not authorize these Accounts needs to be off my credit. 
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 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have applied for a Hardship Loan Modification to reduce my Loan Rate from 7 % to 3-4 %. 

Select Portfolio Servicing and XXXX XXXX are intentionally violating the Law by NOT reducing the Loan Rate from 7 % to 3-4 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/2020 among few purchases on XXXX with my Discover XXXX card Ive ordered XXXX XXXX XXXX for the {$160.00} which was successfully delivered to my business address in New York , located at XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. Unfortunately, during the inspection of the item right after arrival Ive discovered that it looks and performs way different from what was described, on top of that it didnt seem authentic XXXX XXXX product. Therefore, Ive requested a return and a refund within XXXX XXXX 30 Days return. XXXX authorized this return with XXXX XXXX XXXX associated with provided XXXX Return Shipping label XXXX ( SEE COPIES ATTACHED ). The tracking information associated with this label indicating that item was successfully returned back to XXXX facilities, located in XXXX, KY as of XX/XX/2020. Later Ive received an email from XXXX confirming the recipience of the item and that I should expect a refund being issued back to my account, however I didnt see it being posted back. 

Ive thoroughly reviewed documents, provided in merchants rebutting and would like to point your attention to the facts in these papers, such as. In each .pdf XXXX shows that the return tracking numbers are matching the return tracking numbers attached by me and shows successful return of packages FROM NEW YORK STATE ( where Im located ) TO KENTUCKY STATE ( where XXXX facilities are located ). In all of these pdfs you can see phrase return requested true altogether with a tracking description matching previously attached by me documents. Additionally, merchant attached copies of the original tracking information in the bottom of the rebutting documents, proving my address in New York and confirming the fact of the original deliveries, which Im not rebutting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$0.00} XXXX XXXX {$700.00} XXXX XXXX  XXXX {$1800.00}

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