vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 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: IL

Complaint narrative:
purchased XXXX XXXX XXXX XXXX thru XXXX XXXX  XXXX that was paid off in XX/XX/2017 and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was 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 2019-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2019 my Venmo account was frozen, it is attached to my email XXXX phone number XXXX. With it frozen I was not allowed to move my Venmo balance of over {$1400.00} I reached out to customer support with no help other than a specialist will email. They reached out stating I owed a balance of {$270.00} to Venmo. I told them that my balance can be taken so I can resume use. They agreed as well. 

It was finally taken on today on XX/XX/XXXX plus an extra {$200.00} was taken which when I called today they exclaimed they did not know how this was happening. Even after it was taken, my remaining balance still can not he withdrawn to my bank account linked. 

To make matters worse they have been deceiving as on XX/XX/XXXX, I received an email from a XXXX XXXX who is an account specialist. He stated in his email that my balance was available for withdrawal as early as XX/XX/XXXX, which is incorrect as I still can not. They are also quite unresponsive as I have emailed the email they told me to reach out to multiple times to no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ALL " CRA '' REPORTING ERRORS OF INCORRECT " PACER '' DATA / NOT MY ACCOUNT " PUBLIC RECORD/ BANKRUPTCY CH XXXX '', PUBLIC RECORDS OUTDATED REPORTING PAST 10YRS AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has been nine ( 9 ) years since I had disputes with creditors. All negatives at this point should be removed. I called XXXX  and spoke to a representative. I asked him if all negatives have been removed from my credit report. He said no it takes ten years. I told him that is incorrect. It is seven years. I confirmed that with the Federal Trade Commission. That is hurtful to consumers, please remove all negatives from my Credit Report.

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 2019-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Panorama Mortgage Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX - home closing was to be on XX/XX/2019 according to all signed contracts. 

I am the seller, I was told first of all that the closing would be early XX/XX/2019, then pushed back to XX/XX/2019 due to buyer gift money. 

Loan office XXXX XXXX communicated with me several times on Friday XXXX assured me that the file would be sent to title on the XX/XX/XXXX which did not happen, XXXX central time was told again now the file should be sent on Monday at XXXX central time. Now it is XXXX central time and no file and no call back on the status of the buyer loan. No communication at all to provide an update. 

The name of the mortgage company is XXXX XXXX XXXX I have requested that two letters be written 1 ) My existing mortgage company with an explanation 2 ) A letter in regards to a major purchase XXXX XXXX XXXX or XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Applied for a Capital One Spark business card and was only approved for {$500.00}. As a tenured and valued credit card holder of two Capital One credit card accounts, this is a disgrace and a very small limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I entered into a payment arrangement and contract with XXXX XXXX XXXX in the beginning of XXXX and have made the payments on time, however XXXX has been reporting my payments as delinquent and that is an error. The arrangement was to lower the monthly payment temporarily and XXXX agreed to this, but reported to the credit bureaus in error and did not report to the credit bureaus accurately reflecting this change. The payment plan we have in place has been paid on time and the loan is being reported as delinquent when it is in fact current with our existing agreement and has been. All letters I have asked for verifying this have come without company letter head and also state the original monthly payment amount which is not relative to our payment agreement or my on time payments which are NOT delinquent as erroneously reported. Your letters say that I am past due, however the payment plan was paid as agreed and that is misleading information. The letter also does not reflect the on time payments for six month unemployment plan. I have never missed a payment as agreed with your company and yet you are still reporting me as delinquent. All payments under the new agreement have been made as agreed and XXXX is not reporting the loan unfairly and unethically to the credit bureaus as delinquent which reflects as if I am not paying the loan at all, which is not true because I am current with our agreement. A new agreement was made to defer payments on XX/XX/XXXX and it is still being reported as delinquent. It is not fair to report the payments as delinquent when the payment plan is paid as agreed. My credit score has went from the 600s to the 400s because XXXX is reporting the monthly payments as delinquent and that is FALSE. The monthly payments are current according to our agreement and I would like XXXX to current the false reporting and backdate the delinquent payments as current according to our plan.

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 2019-06-17 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: UT

Complaint narrative:
I entered into a payment arrangement and contract with XXXX XXXX XXXX in the beginning of XXXX and have made the payments on time, however XXXX has been reporting my payments as delinquent and that is an error. The arrangement was to lower the monthly payment temporarily and XXXX agreed to this, but reported to the credit bureaus in error and did not report to the credit bureaus accurately reflecting this change. The payment plan we have in place has been paid on time and the loan is being reported as delinquent when it is in fact current with our existing agreement and has been. All letters I have asked for verifying this have come without company letter head and also state the original monthly payment amount which is not relative to our payment agreement or my on time payments which are NOT delinquent as erroneously reported. Your letters say that I am past due, however the payment plan was paid as agreed and that is misleading information. The letter also does not reflect the on time payments for six month XXXX  plan. I have never missed a payment as agreed with your company and yet you are still reporting me as delinquent. All payments under the new agreement have been made as agreed and XXXX is not reporting the loan unfairly and unethically to the credit bureaus as delinquent which reflects as if I am not paying the loan at all, which is not true because I am current with our agreement. A new agreement was made to defer payments on XX/XX/XXXX and it is still being reported as delinquent. It is not fair to report the payments as delinquent when the payment plan is paid as agreed. My credit score has went from the 600s to the 400s because XXXX is reporting the monthly payments as delinquent and that is FALSE. The monthly payments are current according to our agreement and I would like XXXX to current the false reporting and backdate the delinquent payments as current according to our plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have been call ed on my cell phone as well as at my job by several shell companies under the same umbrella trying to collect on a capitol one credit that was included in a chapter XXXX bankruptcy in XX/XX/2009. I have repeatedly told them that the credit card in question was included in the bankruptcy. Each time, they place me on hold, they verify what I have told them and tell me that I will be taken off the call list. Unfortunately, the following week, I am contacting by a " new cmpany '' that they say is not affiliated with any of the previous callers. They always say my name will be removed from the list, but I continue to get calls at work and my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
On my rental history, there is a collection account that I never opened I never rented with the promenade red apple town center, this is a fraudulent account that was open under my name, identity was stolen

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 2019-06-17 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I have a credit card with CITI. CITI decided to convert the card months ago from a VISA to a Mastercard. I just found out that the conversion is still not complete and that they have been showing a balance on the account as twice the actual balance - as if the old card and the new converted card both hold my balance. This has negatively affected my ability to get additional credit from another company. I discussed this with CITI twice and they have confirmed that my balance on my credit score shows up as twice the actual balance and will continue to show up that way until they finish the card conversion I never requested. If this is affecting me, just think of the number of unknowing customers this is affecting. I am in the process of trying to move my balance off of a CITI account and close the account, but I can not make this happen immediately. Help. I have no idea how to stop this mismanagement of my information.

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 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I pay my mortgage to LoanCare , LLC. Originally, the loan was paid to XXXX. I started paying at least an extra payment since XX/XX/2018. The mortgage company has applied the extra payment as " payment in advance, '' which is to the advantage of the mortgage company. I have to call several times a month for the mortgage property to correct the situation. I have mentioned to them have a " XX/XX/XXXX. '' A computerized " XX/XX/XXXX '' is a computerized check to make certain that a customer is up to date on their mortgage, and additional payments go to " principal '' only. The mortgage company and the customer would not have to talk on the phone to correct the situation. 

The mortgage company website does not inform the customer the date that they receive the payment. On the other hand, the mortgage company has a column entitled as " applied date. '' Normally, the " applied date '' is different than the payment date. Based on what i have seen, It takes many days subsequent to the payment date to correct the entry. Having the customer 's payment date, the customer can calculate that the interest/principal portion.

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 2019-06-17 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Honda Financial Services Account # : XXXX VIN Number XXXX Dear Sir, My payment was late once with Honda for more than 30 days but i was not informed that they are going to make account delinquent. when i found out it was already on my credit report. which significantly affected my credibility. i explained to honda financial service by phone that i was travelling international thats why could not pay in time. but they said it will stay current. please help me remove this from my account. i have attached my recent statement for your reference. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have spent months and thousands of dollars trying to fix my credit, some due to fraudulent activity or identity theft! I paid and have all my records but transition refuses to clear my credit and good name. I have contacted them in numerous occasions but to no avail. I am beyond frustrated and disappointed!

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 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I co-signed for my sister on this vehicle, she has paid it down a lot but is upside down on it. I am trying to purchase a home but with 2 auto loans it is very hard. She is trying to remove me off the loan but MCMC is making it extremely hard. All I need to be done is my name off the 2015  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Recovery Service Incorporated
State: FL

Complaint narrative:
some time on or about fob XXXX company by the name XXXX XXXX # account XXXX company gold card that Carrie a XXXX per year membership fee that was paid in XXXX on that statement for XXXX. the company have three account with XXXX XXXX never late or never missed payment. last year XXXX XXXX request a copy of the financial statement which they already request them back in XXXX. and the financial record was submit to XXXX XXXX. XXXX XXXX after review those financial XXXX XXXX re -submit the account in 24 hour and re- open the account.. just because at the time the CPA have not prepare the Tax retune for the year XXXX. the representatives for XXXX XXXX stated that the reason for close the account and for the request for the statement was because my husband 97 % of the charge on the card. he is my husband and he run the company he make the money. I ask XXXX XXXX why they cancelled all of my account. with my income being XXXX and retire income is XXXX per year and we have more XXXX a total of home hold XXXX with over XXXX XXXX in asset.. and they already have this information on file. they could never give a good reason but your husband charge 97 % of charge. but they just took XXXX membership fee from us on the statement the first of the year .and then turn one of my account over to a collection agency a company by the name of American recovery service inc , why? for a XXXX bill that they cause not to be paid check the record never late never missed all paid my membership fee ever year. this is wrong on so many level. this harassment and discrimination, I believe this is a violation of one age just because I turn XXXX year old but I still work XXXX hour a week just pay my bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit 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 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I sent a cease and desist letter on or about XX/XX/2019 but have continued to receive calls on a weekly and sometimes daily basis. 
always with different telephone numbers sometimes local area code and other times with XXXX numbers or not local area codes. They never leave a message when I don't answer, so I call the numbers back to verify who is calling and sure enough, it is them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX  XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief