vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 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: GA

Complaint narrative:
XXXX XXXX company is falsely reporting a late payment to Experian. I tried to remedy the issue with the company on multiple issues, to no avail. In short, the payment did not process on the due date, so I called to remedy the issue, and thought everything was solved, until I received a notification for a late payment. This was for a payment due in XX/XX/2020. Had I not been able to make the payment, I would have called prior to the due date and asked for assistance as provided by the CARES Act, due to COVID-19. 

There are discrepancies ( as I have included proof of in the attached file ) with XX/XX/XXXX electronic record keeping system, and it causes me to question the record keeping practices of the company as a whole, and the validity of the information furnished to the credit bureaus overall. On XX/XX/2020 XXXX attempted to process 3 payments at the amount of {$190.00}, in the total of {$580.00}. This amount was {$190.00} more than authorized to come out and {$190.00} more than actually owed at the time. This is also not the date or the amount I discussed over the phone with a representative. I discussed a one-time payment of around or about {$390.00}. The only record XXXX seems to have of the {$390.00}, is in the notes, and not annotated on the financial records. Despite someone trying to correct this issue on XXXX behalf, before I caught it, the payments still processed through our account. This is also reflected on the XXXX website transaction history where it shows 3 payment reversals effective on XX/XX/2020 ( Im sure due to an employee/the system recognizing the error before we did ), as well as a fourth payment attempt on XX/XX/2020. The records for the fourth payment attempt also falsely read that the payment was not received until XX/XX/2020, despite our bank records ( see attached ) showing otherwise ( that payment was received on XX/XX/2020 ). We also incurred almost {$60.00} in returned item fees, due to a discrepancy on XXXX behalf of attempting to take {$580.00} out of our account at once. In addition to this, I was under the assumption that we were a month ahead on payments from the initial start. This is an account that I have with my ex-husband, so we only put what's needed in there for the timeshare payment, and nothing more. 

Please see the attached PDF for a more detailed explanation.

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 2020-11-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
OVER THE LAST 4 MONTHS HAVE SENT EMAIL SENT FAX OVER TO EQUIFAX NO REPONSE BACK PLEASE FIX THESE I HAVE CREDIT AND SENT OVER TO YOU WITH DRIVERS LICENCSE AND SOCIAL SEC CARD PLUS 18 PAGES OF DOCUMNETS ITS ME HAVE CREDIT WITH XXXX  AND XXXX,,, IM IN THE MIDDLE OF BUYNG A HOME THIS IS STOPING ME TO GET IT IF THERE ANY FREEZE AND FRAUD PLEASE REMOVE THEM ASAP EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XX/XX/2020. Thank you to CFPB and NewRez for your help today. Briefly -- The NewRez website is UN-secure and is NOT functioning at all. Specifically, there is absolutely no place to login. The page is entirely BLANK. I removed ALL cookie and pop-up blocks, and still have not been able to log onto the website. This has been going on since at least XXXX XX/XX/2020, if not longer. With the website down, I can not view anything in my account until NewRez repairs its website. Since NewRez is responsible to pay my taxes and insurance from ESCROW, I need to be able to view this information. Further NewRez is obviously aware of the problem since I am most likely not the only customer affected. This level of dereliction is not acceptable for a banking or mortgage institution. Please resolve this problem, so that I and other customers can gain access to our accounts. Thank You, Sincerely.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: ND

Complaint narrative:
I had my unemployment benefits deposited into my chime account. Chime then put my account on hold. I cant access my funds, pay my rent or nothing else. Ive contacted them. Sent them all the supporting documents they wanted and my account and my funds is stink inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Order two spin bikes. Never received them, trucking company damaged them during shipping and returned them to shipper. The credit card company XXXX is charging me {$500.00} for canceling them I did not cancel them they never made it to me. Shipping company imaged them and returned them to shipper. Company said they cant send replacement they dont have anymore.

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 2020-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is reporting a number of inaccuracies on my credit report. 1. The High Balance differs between all three Major Credit Bureaus. 2. The Date of Last Activity differs between all three Major Credit Bureaus. 3. Date opened differs between all three Major Credit Bureaus. 4. Account Rating differs between all three Major Credit Bureaus. 5. Account Status differs between all three Major Credit Bureaus.

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 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners
State: AZ

Complaint narrative:
I contacted XXXX  about the debt and disputed it many times. The paper work on the debt seemed shady to me. The bill we supposed to be covered by XXXX XXXX in Texas. I see know charge of date in the paperwork. It looks the bill is un clear. I contacted the collector and informed and be keep telling me wrong dates and making up what thing mean on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: RateGenius Loan Services Inc
State: TX

Complaint narrative:
I came across rate genius on XXXX XXXX. And nowhere under the terms and conditions did it state they were going to do a hard pull on my credit report. Not only one but 4 Harding inquirys. I want them to send a request for deletion to all four banks. That was done without my consent or knowledge. I do not approve of the predatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Address reporting on my credit report does not belong 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 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NY

Complaint narrative:
I received a letter from XXXX XXXX on XX/XX/XXXX in regards to a debt owed by a previous rental company XXXX XXXX for the amount of XXXX, looking over the amount I disputed this debt for incorrect amounts based of what I was told by the property company I thankfully still had text messages from the property companys VPN with statements proving what I would owe, I gave Hunter Warfield that documentation via email from the property company XXXX XXXX which shows it was not reflective to the amount stated. I contacted Hunter Warfield by phone on XX/XX/XXXX disputing the debt, emailed them the information I had. 
I called the collection agency to verify they had received my email and they confirmed they had and I should hear back in 2 weeks from XX/XX/XXXX. 
On XX/XX/XXXX I tried calling Hunter Warfield to check the status of my debt and was disconnected after the language prompt. I attempted to call several times with the same issue, I then sent Hunter Warfield support services an email on XX/XX/XXXX in attempt to communicate and explained the issue I was having reaching them by phone. With no response, I did mail them a letter on XX/XX/XXXX again disputing this debt to have it in writing. 
I received a letter XX/XX/XXXX dated from Hunter Warfield for XX/XX/XXXX again verifying the debt owed with no other communication stated and far as my dispute. On the front page of the letter is the number to contact a XXXX XXXX at XXXX when I call the number I am again hung up on after the language prompt. 
I am unable to get into contact with this agency and this agency isn't making an attempt to address my dispute after several attempts by phone, email and by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
I was evicted from the apartment complex, XXXX XXXX ( which has been sold to someone else and the name has been changed to something else ) in XX/XX/XXXX. I was never contacted by the management company XXXX XXXX XXXX or anyone relating to them. 

I was contacted 18 months later ( between XX/XX/XXXX/XX/XX/XXXX ) by Hunter Warfield, Inc. telling me that they were a law firm representing XXXX XXXX XXXX XXXX XXXX stating that I owed them over {$10000.00} and when I explained to them that I did not owe them the money and I had disputed the debt on all three of my credit reports to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the debt was removed because they did not report accurate information. I was then told by Hunter Warfield that they proved to the credit bureau that the debt was accurate so it was back on my credit report after being removed. I then told them that it was against the law for them to put something back on my credit report and they said that it was not. I then asked them if the debt was accurate can they prove it to me by showing me a ledger or something and then I was told, " We don't have to send you anything or prove anything to you because we proved it to the credit bureau ( XX/XX/XXXX ) .Then they hung up on me. 

I know that I don't owe them over {$10.00} and they refuse to show me anything proving that I owe them money because I don't owe them. They are committing fraud by trying to make me pay money that I don't owe them..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: IL

Complaint narrative:
CREDIT BUREAUS REFUSING TO DELETE UNAUTHORIZED FRAUD ACCOUNTS FROM MY CREDIT FILE. THEY ARE INDICATING THEY CONTACTED CREDITOR AND I CONTACTED CREDITORS AND THEY INDICATE THEY NEVER SPEAK TO BUREAUS ON COMSUMER FILES. THEY ARE UPDATING INFORMATION IN=STEAD OF REMOVING ACCORDINGLY.

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 2020-11-09 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: IL

Complaint narrative:
CREDIT BUREAUS REFUSING TO DELETE UNAUTHORIZED FRAUD ACCOUNTS FROM MY CREDIT FILE. THEY ARE INDICATING THEY CONTACTED CREDITOR AND I CONTACTED CREDITORS AND THEY INDICATE THEY NEVER SPEAK TO BUREAUS ON COMSUMER FILES. THEY ARE UPDATING INFORMATION IN=STEAD OF REMOVING ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: IL

Complaint narrative:
CREDIT BUREAUS REFUSING TO DELETE UNAUTHORIZED FRAUD ACCOUNTS FROM MY CREDIT FILE. THEY ARE INDICATING THEY CONTACTED CREDITOR AND I CONTACTED CREDITORS AND THEY INDICATE THEY NEVER SPEAK TO BUREAUS ON COMSUMER FILES. THEY ARE UPDATING INFORMATION IN=STEAD OF REMOVING ACCORDINGLY.

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 2020-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I received a letter from BofA stating that if I paid for a appraisal and my LTV was 80 % or below I could cancel my PMI. I sent in the required documents and a appraisal was done. I received another letter dated XX/XX/2020 that they had received the appraisal and my request to cancel my PMI. ON XX/XX/2020 I received a letter stating my XXXX needed to be 75 % before I could cancel my PMI. This is a primary residence and it should be 80 % XXXX. I'm currently at 78 %. I have contacted them on several occasions with no help.

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 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing is attempting to collect a debt on behalf of XXXX. when I reached out to XXXX to inquire about the debts removal, they informed me, that I don't have a debt with them. There records show I closed my account in XX/XX/2018. The debt didn't appear on my credit until XXXX this year though.

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 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC
State: TX

Complaint narrative:
ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX.COLLECTION COMPANY NAME. CREDIT SERVICE. DATE OPENED XX/XX/2019 WITH COLLECTION. FIRST REPORTED XXXXORIGINAL BALANCE : $ XXXX.RECENT BALANCE {$1400.00} AS OF XX/XX/XXXX.THIS COMPANY CONTINUES TO REPORT ON ALL THREE OF MY CREDIT REPORTS INTEREST ON THE ORIGINAL AMOUNT $ XXXX.THIS IS A MEDICAL BILL, NOT A LOAN. THEY CAN'T ADD INTEREST ON A MEDICAL BILL. I'VE DISPUTED THIS SAME ACCOUNT MULTIPLE TIME WITH THE CREDIT REPORTING AGENCIES. THE DISPUTE PROCESS IS SUPPOSE TO BE 30-60 DAYS FOR VALIDATION TO BE DONE. I'VE DISPUTED THIS AGAIN A COUPLE OF DAYS AGO AND IT HASN'T BEEN 30-60 DAYS. I RECEIVED A MESSAGE ON MY CREDIT REPORT WEBSITE THAT REPORTING AS ACCURATE INFORMATION. IT'S LIKE THE CREDIT REPORTING AGENCIES ARE NOT DOING A FULL INVESTIGATION. I WANT THIS REVIEWED AND REMOVED FOR INACCURATE REPORTING WITH XXXX  THE ORIGINAL CREDITOR AND THE COLLECTION AGENCY CREDIT SERVICE.THANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CO

Complaint narrative:
In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding TransUnion, XXXX, and XXXX continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX ( TransUnion ), XXXX XXXX  XXXX  ( TransUnion  and XXXX ), and XXXX XXXX XXXX ( XXXX, XXXX, and TransUnion ) still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from XXXX, XXXX, and TransUnion in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All 3 credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from XXXX  showing deletion of XXXX XXXX XXXX  XXXX, Account # XXXX and 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 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
on XX/XX/24 within 2 hours of the purchase of the gift card, I called US Bank at XXXX after I noticed that the XXXX XXXX card loaded with an amount of {$500.00} was not working and may have been hacked. I was told by the representative that my card had been deactivated and that I will get a new one in the mail within XXXX business days. 

Yet, several hours later my card ( that has always been in my sole possession ) had been used fraudulently. 

I called 5+ times their number to file a dispute, every time I get transferred to their dispute team I get disconnected after waiting VERY long time on the phone ( once after XXXX mins! ). 

So I need to file a dispute and get my money back!

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 2020-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
A fraudulent loan for a car was opened in my name. I have filed identity theft, police reports and done everything I was suppose to do to ensure this car loan was not taken out by me and have it removed from my credit report. I have called the company, disputed the charges and nothing has happened. The representatives were very rude. If I used a company for a car loan service it would never be this company

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 2020-11-09 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal is reporting information incorrect, inaccurate, and confusing. 

1. Account numbers are different between credit bureaus. 

2. High Balances differ between credit 2 bureaus. 

3. Date of Last Activity is different between the 2 credit bureaus. 

4. Date reported is different between the 2 credit bureaus. 

5. Date Opened is different between 2 credit bureaus.

6. Balance Owed is different between 2 credit bureaus.

7. Last Payment is different between 2 credit bureaus.

8. Past Due Amount is different between 2 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an auto loan with Wells Fargo Bank. 

Wells Fargo is limiting my amount of early payments to XXXX/day. 
I would like to pay off a higher amount to reduce my principle but Well Fargo doesn't allow per their policy when I spoke with a supervisor. 

I have used auto loans with other banks ( XXXX  XXXX XXXX and XXXX XXXX ) and I have never been limited on making early payments. 

I was wondering if this is legal for Well Fargo to be limiting early payment limits.

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