vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
A Cash App account was opened using my name, address and other identifying information. On XX/XX/2020 there were three ( 3 ) separate payments from my XXXX XXXX XXXX XXXX XXXX, to this fraudulent Cash App account in the amounts of {$19.00}, {$19.00}, and {$9.00} ( totaling {$49.00} ). I called my bank to flag these transactions as fraudulent. On XX/XX/2020 a Visa debit card for the Cash App account was shipped to my address. I have attempted to contact Cash App, and its ' affiliates, Square and XXXX XXXX, to inquire how I can close this account or flag it. None of these companies provide contact information to speak with a representative. The only way to contact is via your Cash App account ( which I do not have, one was opened fraudulently ) or via Social Media ( highly questionable ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has effectively prevented my mortgage lender from pulling my Credit score with them. They can pull XXXX  and XXXX, but the XXXX score is hidden/non-viewable. 

I have spent literally roughly 20+ hours on the phone or holding for someone trying to get this resolved to no avail. The main number for disputes is : XXXX, I have spent over 7 hours on hold and no one picks up. Most times, the call just hangs up and doesn't connect to anyone.

When I initially applied for a home loan interest rates were 3.62, now they are 4.50 %, which equates to XXXX XXXX in extra interest payments over the lifetime of the loan. 

I need my score, as I am trying to buy a house and move out of state, I am effectively a prisoner because of their ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
I opened this loan with Regional back in 2018. The branch manager XXXX was nice at the time of the loan, but as time went on she became very rude and unprofessional. I've had a financial hardship which caused me to fall behind on the agreement, I've reached out several of times to offer a settlement to pay this balance, and have it removed from my credit and even spoke with corporate several of times. I was approved of an {$800.00} settlement, but never received anything in writing stating that they would remove negative item from my credit report. I am wanting to resolve this issue because it is hindering me from moving forward with employment, which is causing great stress. I am willing to work with this company, but I will need them to hold their end. I was informed by the Branch Manager that she would reach out to all credit bureaus once settlement paid in full to have item no longer reported to my credit, it would be a pay for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
- Current Loan of $ XXXX with Provident Funding - Applied for refinance with Provident Funding as the variable interest rate went up to 4.5 % from 2.75 % ( Loan # XXXX ) - Applied for refinance with $ XXXX downpayment to reduce further depth and also monthly payment. Locked the interest rate to 2.875 % for 21 days. 
- Current payment of {$3400.00} will be going down to {$2700.00} approximately - Provided all income and debt information to Provident Funding.

- Provident funding play game as the interest rate for XXXX ARM went up to 3.5 % - Provided every information and they suspended my loan application - Not able to reach the mortgage broker, always get voicemail. 
- Responded through email that the underwriter is not approving due to income/debt ratio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MA

Complaint narrative:
Hi. On the XXXX  of every month I receive XXXX benefits.On XX/XX/2020, someone took XXXX dollars out of my U.S . DIRECT Express debit card.I am still upset over it. I contacted them and, gave me the runaround.I have no idea how they did it.Please help me.Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I am XXXX XXXX, I was contacted in XX/XX/XXXX in ref to the home at XXXX XXXX. Where my brother XXXX XXXX had lived until his death until XXXX of XXXX, I was informed of the mortgage on the home and asked if the family would be willing to take over the payments. I was informed that they needed a copy of his death certificate and a summary of my relationship to XXXX which I faxed. From that point, I would called Loancare to inform them that I had not received any paperwork and each call I started to get a run-around. I reminded Loancare that they contacted me, and was told my name was found in the file and now they have an issue with speaking with me. 
I received a phone call from professional services who informed me of the house being on a foreclosure sale and provided me with the name and phone of the legal firm involved. 
When I pointed out the incorrect information on the application and asked who assisted with the application, and accountablity in these actions. The family does not want the home sold and was told that they also could help in getting the payment lowered. I just want the packet sent and how do I make the payment of {$260.00}? I have spoken with my city , county government and legal aid. They all agree something is wrong. I feel that the family is being viewed in a negative light due to possible communication or behaviors from XXXX children, which the family has no connection with. Again, we/siblings are willing to pay the mortgage on our family ( parents ) home at 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 2020-04-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
A previous co-worker stole my license and had access to my personal information and used this to rent an apartment in my name and then broke the lease and now the apartment property has put the entire debt on my credit and this has ruined my credit and is preventing me from being able to rent a new property. At the time this occurred I was not aware as I have been in the same rent house with my husband for 5 1/2 years. This occurred just 2 years ago. I have disputed these charges with the debt collectors and the credit bureaus and they are not accepting this or helping me or willing to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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 received a call from a student loan company stating about a debt I owed. 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 or gave anyone consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1200.00} DEPTEDXXXX  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 2020-04-03 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 received a call from a student loan company stating about a debt I owed. 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 or gave anyone consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1200.00} DEPTEDXXXX 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 2020-04-03 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: FL

Complaint narrative:
First the information on the account is correct. I paid before all the late charges however it must have processed on the next day. Second, We received a response to the complaint that XXXX XXXX reports the same information to all the credit bureaus. If that's correct, how do all the bureaus have different information. This process has been emotionally and physically draining. I hope that this will resolve the situation. I've submitted supporting documents to show the various inconsistencies by the different 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 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX, XXXX and XXXX JPMCB Card put late payments on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they were having issues with their autopay and that they will correct the issues but they haven't. I just checked my credit score last month and it now shows on all 3 credit reports and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$220.00} XXXX  XXXX {$870.00} XXXX XXXX   XXXX {$970.00} XXXX XXXX   XXXX {$530.00} XXXX XXXX   XXXX {$820.00} XXXX/XXXX   XXXX {$530.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX   XXXX {$940.00} XXXX  XXXX XXXX {$430.00} XXXX/XXXX   XXXX {$820.00} XXXX/XXXX   XXXX {$530.00} XXXX   XXXX {$970.00} XXXX   XXXX {$820.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMIISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: DE

Complaint narrative:
On XX/XX/2020 I called US Bank customer service phone number four times from back of the card. I pressed zero to talk to a live representative and the phone automatically hangs up. I need to unlock my phone and get directions on paying a bill and a representative is unavailable. Not good!

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the accounts below several times with you to no avail. 
Please mark each account below as being disputed XXXX  and XXXX  investigated the following accounts below and have decided to delete the account from my credit report. Please do the same as per the Fcra rules and regulations with regards to uneven reporting among the credit agencies XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Experian indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 

It has been over 30 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the adove accounts from my Experian file pursuant to 15 U.S.C. 1681i  ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.

Experian has 10 days from the receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experian 's willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. I look forward to an amicable solution to this matter.

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 2020-04-03 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: TN

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX, original creditor XXXX XXXX XXXX. ( Please see page attached from my credit report. ) The opening date of this account is not in XX/XX/2019. In fact, this account is over 7 years old and was opened fraudulently from an ex-girlfriend who forged my signature. I filed a fraud affidavit and this account had previously been removed. I never gave permission or authorized anyone to open this account. This account has also been sold and re-aged and should not be reporting at all. This is a violation of the Fair Credit Reporting Act and is mandated that this line item be removed from my credit report. This false reporting of a collection/chargeoff, that is not mine, is seriously harming my credit score. I have contacted the bureaus 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 2020-04-03 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: FL

Complaint narrative:
First the information on the account is correct. I paid before all the late charges however it must have processed on the next day. Second, We received a response to the complaint that XXXX XXXX reports the same information to all the credit bureaus. If that's correct, how do all the bureaus have different information. This process has been emotionally and physically draining. I hope that this will resolve the situation. I've submitted supporting documents to show the various inconsistencies by the different 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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
First the information on the account is correct. I paid before all the late charges however it must have processed on the next day. Second, We received a response to the complaint that XXXX XXXX reports the same information to all the credit bureaus. If that's correct, how do all the bureaus have different information. This process has been emotionally and physically draining. I hope that this will resolve the situation. I've submitted supporting documents to show the various inconsistencies by the different bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/2019 WF/XXXX XXXX  put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would update the account but they have failed to do so after many attempts from my end. This has popped up two other bureaus and has greatly lowered my score.

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I checked my credit report on XX/XX/2020, and under credit score it shows 4 factors hurting my credit score : 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of Sufficient credit history 3. Lack of sufficient relevant real estate account information 4. You have too many delinquent or derogatory accounts I disagree with equifax factors hurting my credit score.My credit card accounts are not recent.I have plenty of credit history.I dont own a house/property and the lack of real estate account information is just ridiculous.This should not affect my credit score if i dont own a house or property.Because i dont own a house or property, Im being discriminated against me by equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TN

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX, original creditor XXXX XXXX XXXX. ( Please see page attached from my credit report. ) The opening date of this account is not in XX/XX/2019. In fact, this account is over 7 years old and was opened fraudulently from an ex-girlfriend who forged my signature. I filed a fraud affidavit and this account had previously been removed. I never gave permission or authorized anyone to open this account. This account has also been sold and re-aged and should not be reporting at all. This is a violation of the Fair Credit Reporting Act and is mandated that this line item be removed from my credit report. This false reporting of a collection/chargeoff, that is not mine, is seriously harming my credit score. I have contacted the bureaus 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