vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$57.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} COLLECTIONS XXXX {$120.00} XXXX/XXXX   XXXX {$190.00} XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$6000.00}

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For months now, I have made payments to my PayPal Credit account with a PAYMENT REALLOCATION request. That is, my total balance consists of several charges made under the " EASY PAY '' ( which allow for 12, 18 or 24  months repayment without interest ), or " DEFERRED INTEREST PURCHASES '' ( which typically give me 6 months to payoff the balance interest free ). Naturally, my intention is to pay the balances with shorter repayment period first. So, when I make my payments, I specifically ask for a PAYMENT ALLOCATION, that is, for a portion of my payment to be applied to the EASY PAY balances ( this would be a REQUIRED MINIMUM payment ), and the balance ( this is not required, but I pay EXTRA each month to help pay these balances off before interest starts accruing ) to be applied to DEFERRED interest balances. 
Each month, my payments are inevitable MISAPPLIED. They are being FULLY credited completely to my lower APR or EASY PAY balances! Each month, I call 7-10 times, explain my situation, and spend at least an hour on the phone! I am told that " a ticket is created for this case '' and that someone in some back office has to go in and manually change the payment for it to be applied as intended. It takes many calls, but the payments eventually get reallocated somewhat correctly ( not 100 % as I requested, but close enough to where it is not worth spending hours on the phone again ). 
Now, since businesses have been operating remotely, the situation has gotten A LOT worse! My last two payments have been misapplied, and I CAN NOT get any help from anyone! I spoke to " representatives '', " account managers '' and " supervisors '' ... ALL TO NO AVAIL! They all sound like parrots, repeating the same lines each time : " we are sorry for inconvenience '', " your case is being forwarded to the proper department '', it can take 1-2 billing cycles for your account to be adjusted '', and on, and on, and on .... 
I just got off the phone ( 1 hour & 25 minutes total! ) with a supervisor ( XXXX ID # XXXX ), who assured me for the 3rd time that " they are working as hard as possible to resolve these issues ''. I have a huge list of names, employee ID numbers and dates of all the people I have spoken with over the last nine months! I will be more than happy to provide this information, if needed. I just can not spend hours on the phone anymore, and now filing complaints! This is inexcusable! The amount of internet aggrievances posted against this company are staggering! Someone needs to hear US!!! 
PLEASE 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 2020-06-02 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:
Experian is reporting incorrectly a collection/chargeoff in the amount of {$64.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was previously removed from XXXX  and XXXX   however, Experian has re-aged this collection and added a new account number along with a new reporting date. This is a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate account information be reported on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report, I have contacted the bureau to remove this however, I have not  been successful.

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 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Beginning of XX/XX/2020 I recieved a letter from my mortgage company stating my forced property insurance would renew XX/XX/2020. I made a payment on XXXX which cleared the escrow balance for the forced insurance bringing the escrow balance to XXXX. I also obtained my own homeowners with XXXX XXXX on XX/XX/20 which was promptly sent to PHH/Ocwen. Phh has verified receipt of the above document and yet is charging {$140.00} a month for an escrow account at XXXX balance. Phh has informed me as the mortgage company they have the right to tell me how my insurance will be paid and by whom being myself or them. I have paid my own homeowners insurance and do not care if PHH keeps the escrow account open only that they stop billing and attempting to intimidate me to pay for forced insurance I currently do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$3900.00} XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$6000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-06-02 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: Nelnet, Inc.
State: MD

Complaint narrative:
contacted nelnet on XXXX20 company refused to investigate late payments on account sent letter saying i was using a credit repair company. Covid -19 has reduced my income and i cant afford to pay some one .im requesting that these late payments be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent the below dispute letter in the mail on XX/XX/XXXX and haven't got any dispute results on this. Can I get an answer on this. 


Dear Transunion, I am writing to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is not required to remove inaccurate derogatory information from a consumers file under Section 609 that can not be verified. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I request that all future correspondence be done through the mail or email. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. 

Thank you for your prompt attention to this matter. 

Sincerely 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 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc.
State: FL

Complaint narrative:
Loan Servicer : Sofi Lending Issue : Servicer is refusing to release required funds from escrow to cover mandatory homeowners insurance premium. Lender has been provided all insurance information and information has been verified with the lender. They have stated they will hold funds because their system doesn't reflect a payment due although all invoices and documents have been provided by myself and the company. Receipt of documents have been verified by the lender. The lender has excessive escrow balances and should be making payment as required but due to some sort of issue within the organization, they have not. I have attempted to rectify from XX/XX/2020 to present XX/XX/2020 including emails and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX  XXXX {$3900.00} XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX  XXXX  XXXX {$820.00} XXXX  XXXX {$6000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-06-02 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$3900.00} XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$820.00} XXXX XXXX {$6000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Today XX/XX/XXXX nd I was not allowed to link my PNC bank account to my XXXX XXXX, and I need to pay my bill and am not able to transfer my money into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX XXXX Late dates : XXXX30 Creditor : XXXX XXXX Late dates : XXXX60, XXXX XXXX XXXX Late dates : XX/XX/XXXX30 XXXX XXXX XXXX dates:XX/XX/XXXX-60, XXXX30 ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX {$690.00}

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I contacted Chase bank to delay the payments on my credit cards as my business went to single digit occupancy due to COVID 19. I was told that there would be a forbearance on my statement balance in terms of NOT Late payment fee and interest charges ( interest charges will incur but will be taken off at the time of making payment in full ). I only agreed to the agreement as I have an excellent payment history never late and payment always in full. I have made payments in full but they will NOT waive the interest charges off according to what I was told at the time of asking for delay in payment due to COVID 19.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 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: OH

Complaint narrative:
On XX/XX/XXXX, I contacted Experian, to dispute that XXXX XXXX, is being reported incorrectly, but on XX/XX/XXXX, Experian, refused to correct the error, and updated my report with information that the alleged balance is correct. The error is in regard to a one-hundred-ten-dollar ( {$110.00} ) filing fee from a fruitless lawsuit XXXX XXXX, filed against XXXX XXXX, on XX/XX/XXXX, in XXXX XXXX  Municipal Court, which was later dismissed at XXXX XXXX 's request by the Court, on XX/XX/XXXX. XXXX XXXX, has tried to correct the error with XXXX XXXX 's Attorney, and XXXX XXXX, who responded that it believes there is no error, on XX/XX/XXXX, with no later response. Please find the attached Notice to Dismiss from XXXX   XXXX, and report from Experian ( uploaded as " untitled '' ), as well communications with XXXX  XXXX, in regard to this error. There should be no doubt that this error is being overlooked, XXXX XXXX is providing false information, and Experian, has material evidence.

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 2020-06-02 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140.00} XXXX  XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX {$690.00}

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 2020-06-02 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC has made a change that no longer lets you link your account with XXXX, presumably in an effort to keep customers using their in-house XXXX platform. That changes, or I leave PNC. It's that simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
contacted XXXX on XXXX company refused to investigate late payments on account sent letter saying i was using a credit repair company. Covid -19 has reduced my income and i cant afford to pay some one .im requesting that these late payments 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
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
contacted XXXX on XXXX company refused to investigate late payments on account sent letter saying i was using a credit repair company. Covid -19 has reduced my income and i cant afford to pay some one .im requesting that these late payments 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
Consumer complaint received 2020-06-02 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$960.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am victim of theft by deception from a caller that showed up on my phone as XXXX support and I was told that my XXXX account had been hacked. I was told that XXXX security discovered 2 hacked financial transactions and that once I downloaded what I was told was an XXXX  operating system app the XXXX representative was going to walk me through the steps so that the alleged financial transactions could and would be reversed. The person had me use the XXXX  link from my bank which is Wells Fargo and the person was sending fake text codes for me to use in order to complete the fraudulent illegal transaction. 
I lost {$500.00} dollars as a result once I learned that I had been scammed I immediately filed a claim with Wells Fargo and a claim was filed with their online fraud department. I also have filed a police report which I was told that the police were contacting the secret service since the transaction involved money and possibly an international scam I am concerned that Wells Fargo is not going to return the funds which I cant afford to not recover. 

Any help is greatly requested and appreciated

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