vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do 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 explanation
Consumer complaint received 2020-04-30 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do 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 explanation
Consumer complaint received 2020-04-30 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:
I have asked experience to remove XXXX XXXX XXXX from my credit report and XXXX XXXX   XXXX it has been removed from other credit reporting agencies but not from experian

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 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I am submitting a complaint about several collection agency that is continuously reporting false information on my credit report. I have tried reaching out to the creditors and the credit bureaus several times, I have also disputed the inaccurate debt with the credit bureaus. The collection agency do not have the proper paperwork that this debt is mine and/or that the debt has been paid off. The collection agency Convergent Outsourcing inc that states I owe XXXX $ XXXXThis reporting is not accurate this was paid in full and/or I returned cell phone to XXXX by mail in lieu of paid in full.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I changed my phone number & network provided from XXXX to XXXX XXXX. 

I have made upwards of 30 attempts to change my phone number via the web portal, and have made multiple phone calls to the customer service team. 

These calls have ranged from completely useless ( First Communication  XXXX ) to helpful but unsuccessful ( XXXX - XX/XX/XXXX ). 

I no longer have access to my old phone number, however it is still listed as the primary means of Two-Factor Authentication. This is a huge security risk as someone could claim this number and pretend to be me. No  other finanical instituation has had an issue with this change ( XXXX XXXX, XXXX, SSA.Gov, CA State, Federal ) For the last time, this phone number is not a VoIP. It's not my fault you never update your systems. You are putting my financial information at risk by not complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: MO

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$310.00} XXXX XXXX XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
The PayPal Credit overview page on the internet, which is run by Synchrony bank has misleading information that leads to shady practices and them collecting interest on balances that I thought they were helping me avoid. First, the PayPal credit overview page makes it very difficult to understand the regular purchase accrued interest balance from the deferred interest balance. Then it shows an " Amount to AVOID Standard and Deferred Interest '' which makes one think that the amount will then be split between the expiring special financing purchase balance from that month and the regular purchase interest accrued, so that I can avoid paying standard interest balance. Wrong! The representative I chatted with stated that any payment beyond the expiring special financing purchase balance gets applied to other special financing purchase balance that is expiring at later dates unless I specify how to split it. By doing this, they then continue charging interest on regular purchases that I was trying avoid ( and that they were leading me to believe I was avoiding ) and defeats the purpose of highlighting Amount to AVOID standard and deferred interest as I am not really avoiding any interest if they are IMPROPERLY applying my payment beyond the expiring special financing balance to other deferred interest and not how they are making you believe its being applied. Case in point, my deferred interest balance expiring in XXXX is {$440.00}. The " Amount to AVOID Standard and Deferred Interest '' shows as {$550.00}. If I send that payment, they don't automatically allocate the extra {$100.00} towards my standard interest balance unless I tell them, instead they would apply all the balance to deferred interest balances, thus continuing to charge standard interest on the balance of {$100.00} that they had led me to believe I was going to avoid. I have been paying the " Amount to AVOID Standard and Deferred Interest '' for years thinking that I was avoiding interest, when in reality I have not. If this is not shady, I don't know what is. In contrast, the XXXX XXXX Credit card will apply balance first to any deferred interest that is expiring that month and any over payment to the standard interest balance, thus truly helping me AVOID standard interest.

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 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
Please note I'm redoing this complaint, called to canceled the orginal one # XXXX because I didn't have proper documents attached. 
I recieved a call from a medical debt collector asking for me to make an immediate payment of {$310.00} over the phone. I suspected this to be a scam and asked if they would mail me documentation and if it truly was mine then I'd make payment. The woman told me I would not get anything by mail and demanded payment. I continued to question the legitimacy and she hung up on me. I still to date have not received anything by mail or proof of this medical bill belonging to me. This phone conversation took place on XX/XX/20 at XXXX. If this is a real collector that call should have been recorded & this information can be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
on XXXX/XXXX/2020 I attempted to schedule my normal monthly payment for XXXX/XXXX/2020. Every time I attempt to confirm the payment details I get a a pop up saying the payment can not be processed due to technical issues. 

Online chat is unwilling to help because it is a mortgage, and I have been on hold for over 30 minutes now. This is the 2nd month of paying Fifth Third, and the 2nd month I've had to call to be able to actually pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am currently trying to refinance my original mortgage with a new company and being approved the company has tried to get my payoff amount from the original mortgage company. The original mortgage was a HAMP. When I received the payoff, it went from {$100000.00} to {$120000.00} of which {$20000.00} was charged for " shared modification appreciation ''. I was not told at the time of the payoff request that they would take into consideration any improvements done to the property and reduce the " shared modification appreciation '' amount. I spoke with the company and was told if I sent all the documentation showing expenses incurred for improvement on the property, they would take this into consideration and reduce the amount of the appreciation. I sent everything in on XX/XX/XXXX and have been waiting to hear from them ever since. In the meantime, I had to postpone my closing with the new mortgage company since this is an important piece of information needed. I have been calling the original mortgage company at least 2-3 times per week requesting the new payoff amount and as of today I still do not have it. I am getting the runaround and need help to resolve this. 

The original mortgage company is XXXXPHH Mortgage Services XXXX XXXX  XXXXXXXX XXXX  XXXX, N.J. XXXX Contact person is Mr. XXXX - phone # XXXX - Option # XXXX - Extension XXXX Attention : Escalation Department General phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am locked out of account and I call several times a day stay on hold for hrs get disconnected. When someone does answer they can't help me. I have a replacement card that isn't working and I need to get in my account. Start ed calling 2 weeks from today and no results

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 2020-04-30 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: MO

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$310.00} XXXX XXXX XXXX {$520.00}

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 2020-04-30 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: MO

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of  my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine  and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$310.00} XXXX XXXX XXXX {$520.00}

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 2020-04-30 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 informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage currently actively and incorrectly reports late payments, althought the account was paid on time, and the house was sold in XXXX of 2019. They also charged junk fees like a property inspection fees, which I never agreed to.

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 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: OK

Complaint narrative:
I have received threatening phone calls that I owe {$4200.00} and to pay or will report on my credit bureau negatively. 
I contacted the company that it is Identity theft.

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 2020-04-30 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:
Let me once again outline what action needs to be taken. Since you have not validated the above referenced tradeline within the given timeframe, you are to immediately delete this incorrect account, in the form of a Universal Data Form, from files with the three major credit bureaus ( XXXX, Experian, and XXXX  ), and fax proof of the deletion to me immediately! 

Furthermore, since you are unable to validate this tradeline, it is lawfully assumed that you are unable to verify this account with the credit reporting agencies as well. 

Also note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( Nelson v. Chase Manhattan ). 

Please be advised that failure to comply with my requests will result in a lengthy and expensive legal battle with your company. Considering that you are not located in my state, you will have to appear here or retain outside counsel to defend your interests. This matter can be resolved without such action. 

For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action as necessary. 

Thank you, and I look forward to your resolving this matter expeditiously, as time is of the essence.

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 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I contacted my mortgage servicer to inquire about the CARES act Covid-19 National Emergency Partial Claim second mortgage as I have read about on ConsumerServices.gov and HUD.gov. My servicer would not even acknowledge the existence of such a program and only wanted to force me into options that would require immediate repayment. The customer service told me he has the final say on this matter when I asked who else I could speak to since he apparently didnt know of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It is my habit to monitor my small business checking account for duplicate charges, over-charges, charges for cancelled products & services, or products & services never received. I do so, primarily because I have noticed a sharp uptick in these types of " errors '' in recent years. The current algorithmic business culture seems to employ these tactics to increase revenue, knowing that most will never be caught or disputed. Wells Fargo has the opportunity to access the validity of my claims through an investigatory process. In all cases the WF investigatory process determined my disputed charges to indeed be " errors, '' and funds were rightfully restored to my account. Despite the acknowledged validity of my claims, WF tallies the number of such disputes ( the number of which is beyond my control ) and suspends ATM card privileges when a ( unknown ) threshold is met. This practice is clearly designed to discourage the dispute process. This practice favors the fraudulent billing practices of the corporations and business entities which generate the majority of the bank 's funds and subsequent profits. Small business and private individuals are not afforded the same privileges & protections as WF allows the billionaire business class. It is a morally bankrupt practice which should be legislated against. This is the 2nd time WF has truncated my contracted ATM services, rendering my WF accounts essentially unusable.

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 2020-04-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have attached a PDF file containing a detailed account of my complaint. This complaint involves American Express and XXXX Visa in relation to their response to the unethical consumer practices mentioned herein. If they had protected my interests and stood up to these businesses, as is stipulated in the cardmember agreement I signed, I would not be facing the issues I am now. This is both an issue of ethics ( on their and the other businesses ' parts ) and my financial/consumer rights ( as well as my rights as a person with a XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NV

Complaint narrative:
For all three credit bureaus ( XXXX, XXXX, Transunion ), my account balance for a XXXX XXXX XXXXXXXX XXXX closed account has failed to be updated to {$0.00} ( XXXX XXXX XXXX, REPORTED BALANCE {$720.00} ). The balance was paid in full in XX/XX/XXXX and I even received a letter from XXXX XXXX   XXXX XXXX dated XX/XX/XXXX advising that I don't have a balance and that my credit reports will be updated to show my {$0.00} balance. A telephone call with a representative from XXXX XXXX months ago suggested they had already reported my {$0.00} balance back in XX/XX/XXXX, yet my credit report from each credit bureau has yet to be updated. Furthermore, I've disputed the account balance multiple times with no success.

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 2020-04-30 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: NV

Complaint narrative:
For all three credit bureaus ( XXXX, Experian, XXXX ), my account balance for a XXXX XXXX XXXX XXXX closed account has failed to be updated to {$0.00} ( XXXX XXXX  XXXX, REPORTED BALANCE {$720.00} ). The balance was paid in full in XX/XX/XXXX and I even received a letter from XXXX XXXX   XXXX XXXX dated XX/XX/XXXX advising that I don't have a balance and that my credit reports will be updated to show my {$0.00} balance. A telephone call with a representative from XXXX XXXX months ago suggested they had already reported my {$0.00} balance back in XX/XX/XXXX, yet my credit report from each credit bureau has yet to be updated. Furthermore, I've disputed the account balance multiple times with no success.

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