vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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:
Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at zero unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and XXXX XXXX that I see I am not alone ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at XXXX unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and wallet nerd that I see I am not alone ... ..

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 2020-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I tried to contact PNC Bank to settle the HELOC I have with them but they are ignoring my request and making the communication dificult. I'm refinancing my first mortgage to pay off the HELOC but I don't have enough equity and PNC need to provide a settlement with a lesser amount. I have tried several times with no success. Please assist with the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TN

Complaint narrative:
I looked at my credit report and noticed a few accounts I did 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 2020-08-21 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: IL

Complaint narrative:
XXXX  and Experian are fraudulent on my credit accounts XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # 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 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I made on online {$31.00} payment to Wells Fargo Credit Card. On XX/XX/XXXX I noticed that the pending payment shown on my Wells Fargo Credit Card was {$3000.00}. I checked my bank account where the payment was taken from and I saw that my balance was a negative amount. Wells Fargo had taken a non-authorized payment of {$3000.00}. I immediately called Wells Fargo Credit Card and they informed me that there was nothing they could do until after mid-night on XX/XX/XXXX. 

I called back on XX/XX/XXXX am time, and I was informed by the Credit Card Department that the reversal on my account would take 2 business days. 

I called am on XX/XX/XXXX to follow up and was informed that it would take 11 business days for the bank to return my funds to my bank account. I informed the person I spoke with that this was not acceptable and demanded to speak with a manager. 

I was then transferred to Wells Fargo Compliance Department who informed me that all she could do was file a complaint against the misinformation. I demanded that this matter be escalated and I was then informed that an executive from Wells Fargo would call me. I have not heard 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 monetary relief
Consumer complaint received 2020-08-21 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: IL

Complaint narrative:
TransUnion and XXXX are fraudulent on my credit accounts XXXX XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # 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 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: DE

Complaint narrative:
I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Asset Recovery Solutions LLC for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$120.00} with acknowledgment that acceptance of this offer will settle the account, stop all collection efforts, and will be removed from credit reporting bureaus. FCRA guidelines were not followed on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. Again, It will be acknowledged the debt to be removed and considered paid in full and can not be sold to another third party. Failure to respond will mean you do not accept this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage is refusing to provide us with our payoff amount until the last possible date required by law. This appears retaliatory in nature due to us having to file complaints in the past for their failure to properly pay two years of taxes and our attempt to refinance away from their company. 

Our new lender reached out to them onXX/XX/2020 and were told they could not utilize the automated request and had to email the request to get our payoff amount and then their request was not processed. When contacted and asked why, the company reported that they filed it as a duplicate request with the online request submittedXX/XX/20. The lender asked the title company to attempt to obtain the payoff. The title company called onXX/XX/20, the Freedom Mortgage representative said " sure, I can get that right over to you, what is the account information? '' After the account information was provided the representative said " there is a note on the account indicating that it can not be provided untilXX/XX/20. '' No further reasoning or justification was provided. The title company and the loan officer have submitted other payoffs to this company after ours and have already received them back. This was so out of the ordinary that the title company reached out to to the lender to let us know this is the first time, in dealing with Freedom Mortgage specifically, it has ever happened. 

We reached out directly to get the pay off amount, which in all the loans we've ever had has been easily found, and were told " we are legally allowed seven days before providing that information. '' They have made no statements or indications as to the technical reasons why in 2020, where all lending is computerized, a lender does not have that information readily available at all times or why this information can not be generated for us. 

It is these kind of predatory and underhanded tactics that have pushed us for the first time in five mortgages to refinance away from a lender. Now, rather than allowing us to leave, they're taking as long as legally required to make us wait until they can create some other roadblock to slow down our escape. Lastly, they have left us with an inadequate escrow balance after they used our escrow account to pay for penalty and legal fees ( {$680.00} ) related to delinquent taxes they failed to pay despite their promises to cover the fees ( reference previous reporting to CFPB that they covered these fees ). This company has a history of poor escrow handling and consumer financial transactions!

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 2020-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Initially my home care card credit limit was dramatically reduced causing my score to plumint approx. 28 points. I made a huge payment to the balance owed making the card usage around 33 %. When they reduced the limit it took the card to over 90 % usage which dropped my score. 

I received an alert on my credit this week that they have decided to close the above mentioned care swell as my car care credit card making my credit drop another 36 points. In total my credit has suffered over a 60 point drop at the hands of this creditor. How is anyone supposed to improve themselves and their financial standing if the creditors are aloud to make changes that negatively impact scores. Especially since I have not missed a payment with this creditor or any creditor to warrant such actions.

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 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In XX/XX/2020, I Called to inquire on a letter received, I proceeded to ask multiple questions but rep started talking to me aggressively repeating to me if I am not going to make a payment then the conversation is done. With every question I asked concerning the debt they say I owed, the answer was she don't know. A couple weeks later, received a letter in mail from a lawfirm In which the debt collector had hired them to seek help in collecting. I called that lawfirm and asked questions. They informed me they had already filed suit on this account with the courts. I was in total shock, I was confused as to who this lawfirm was and confused as to how they were in connection with the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I have contacted XXXX, Transunion, and XXXX to let them know that the addresses on my report were not mine. They stated they could not fix that for me at this time. Also, Inquiries that were on both my reports I had explained to them I do not have any accounts with them and that I never gave the people permission to use my information. They again stated to contact the companies to have them removed. I had contacted the companies and no information is in their system to show I have any account with them. Also, with XXXX  my name for under known alias is wrong and for my middle name they put XXXX instead of it being an XXXX. I have already filed a complaint with the Federal Trade Commission too.

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, while logged into my Visa card account, I looked at my credit report from Experian. I noticed on XX/XX/XXXX, a Hard Inquiry was done from " XXXX  XXXX XXXX XXXX ''. I looked this up, it is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I phoned them to ask what they are doing with my credit report. Spent about 1/2 hr on phone, they took my info and said someone from their fraud dept would get back to me. Three weeks later and still no call. I am a retired person, never had a small business and di not apply for any funds. Someone would have to have my Social Security number to do this. My internet searches show this is where a small business applies for money due to Corona Virus relief. I tried calling them back at XXXX, on XX/XX/XXXX but that was not successful. I did an online complaint at XXXX on XX/XX/XXXX. ID # XXXX. No response received. Tried calling Experion today, XX/XX/XXXX to do a dispute. Their site directed me to file a dispute online. I tried that but when I got to the screen showing the Hard Inquiries, it said I CAN NOT file an online dispute. The XXXX ph number given for help was a joke and still could not speak to someone. Called Consumer protection Bureau today, Also submitted a report to Identity Theft.gov, ref XXXX. I downloaded a mail in Dispute from Experian and will send in. I really dont know if someone has my idenity or not. I show I was breached from XXXX. I have not seen any other issue?

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 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northtown Capital Services Group LLC
State: TX

Complaint narrative:
This is my landlord. They contacted them looking for information on my whereabouts, employer etc. Disclosed personal information that they shouldn't have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Reach Financial LLC
State: VA

Complaint narrative:
I had a consolidated loan with XXXX XXXX XXXX and at the end of the process, the remaining amount owed was transferred to Liberty Lending , LLC at 27 % interest. The payments towards the loan with Liberty Lending began in XX/XX/XXXX. I was in the XXXX XXXX until XX/XX/XXXX and started a civilian job immediately following terminal leave. I was laid off in XXXX of XXXX and requested a forbearance. A 60-day forbearance was granted in XX/XX/XXXX and my first payment was due in XX/XX/XXXX when the forbearance ended. In XX/XX/XXXX, Liberty Lending told me that I was late on my payments and began to charge additional interest and late fees. Payments can only be made via the website. I have paying what I can every month. Today I went to the website and can not make a payment, see my balance, or any other account information. I have called the number on the website several times to no avail. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX I am filing a complaint with the Attorney General Office against Credit Acceptance Corp. After they repossession the car and sale the car my deficiency was {$9500.00} which after all the money Credit Acceptance collect on the car I do not own them a dime .The principal was {$13.00} the car sold for {$4600.00} plus {$6500.00} from GAP .They respond to the complaint about the car dealer I was filing in XXXX and close the case, but the did not answer the complaint about rip off and over charge and they add almost {$3000.00} on top the {$9500.00} please help me out .The only thing I ask for these people to take this thing out off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submitted a complaint a month ago, i have been trying to get an account fixed for months. The company sent me a letter of deletion which i have forwarded to Experian twice, once as a dispute and once on here. They removed the account at that time or so i thought. I have been trying to buy a home and this account showed back up on my report. So either Experian didn't remove it or did then put it back on. This has been months trying to get this fixed

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 2020-08-21 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:
XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I called rpm services willing to pay a debt. Its debt I have no recollection of. I told them Im more than willing to pay the full amount as long as its removed from credit. Im in the middle of purchasing a home. They refused to have it removed. They claimed to have called me over 25 times. I never received any phone calls from them. I had to find out about this collection thru a credit check. I had been trying to get a hold of them about the issue for a whole week. Phone number is XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I have had a number messaging me and threatening to have me arrested for not making a payment through XXXX XXXX or through an XXXX card payment I cant get them to give tell how to pay this o er time with my debit card

Company response to consumer: Closed with explanation