vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : XXXX  : 1. XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX XXXX 1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX   XX/XX/XXXX TransUnion 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/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 2019-09-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : XXXX : 1. XXXX XX/XX/XXXX 2.  XXXX  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX   XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX Equifax 1.XXXX XXXX XXXX   XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX, XXXX, XXXX 7. XXXX XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX. XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1. XXXX XXXX XX/XX/XXXX. XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX, XXXX 10. XXXX XXXX XXXX, XXXX 11. XXXX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian emailed attached XX/XX/2019 Experian XXXX - XXXX, your score decrease alert.pdf and XX/XX/2019 Experian XXXX - XXXX your score decrease alert and 6 reasons for credit score drop.pdf. 

For more than 2 years Experian has obstructed error correction. 

XX/XX/2019 Experian XXXX - XXXX, your score decrease alert.pdf conflicts with the 65 score increase in attached XXXX  XX/XX/2019 credit score from XXXX XXXX. 

In the attached XX/XX/2019 Experian XXXX - XXXX your score decrease alert and 6 reasons for credit score drop.pdf. Experian stated the 6 reasons for credit score drops : 1. You Have Late or Missed Payments 2. You Recently Applied for a Mortgage, Loan or New Credit Card 3. You Made a Large Purchase on a Credit Card 4. One of Your Credit Limits Was Lowered 5. You Closed a Credit Card 6. There Is Inaccurate Information on Your Credit Report Respectfully there has been no Late or Missed Payments. I have not recently Applied for a Mortgage, Loan or New Credit Card. There has been no non-fraudulent Large Purchase on a Credit Card. XXXX raised not lowered my Credit Limits. There were no closed Credit Cards. Yes there is a ton of Inaccurate Information on my Credit Report that you have obstructed  correcting for more than 2 years.

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 2019-09-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Sir or Madam : I have been attempting to correct erroneous credit reporting over the past two+ years. 

Many items on the report are simply wrong. 

I have family members with the same and similar names. I believe that this may be part of the issue. 

The dispute process has been employed multiple times over the past two+ years. 

XXXX XXXX, Equifax & XXXX ( a.k.a. the CRA 's ) have failed to correct or remove disputed items in accordance with the FCRA. 

Regarding the CRA 's obligations pursuant to 'ReInvestigation ', this is where the problem lies. 

After the initial disputes are filed, I get barraged with electronic, canned responses that are the same each time. These equate to nothing more than electronically-generated FORM LETTER RESPONSES. 

I have repeatedly asked the CRA 's to have a HUMAN BEING REVIEW SIMPLE ITEMS TO CORRECT OR DELETE, HOWEVER, THE CRA 's HAVE NEVER, TO DATE, HAD A PERSON PROCESS MY REINVESTIGATIONS ( which I understand violates the FCRA 's requirement for ReInvestigations ). Please EDUCATE ME ON THE FCRA HUMAN REQUIREMENT ( s ), if HUMANS ARE REQUIRED TO DO THE WORK. 

This has created an enormous stress and burden on my family and I. 

We are in the middle of a mortgage application to honor the lender 's requirement that we pay the entire mortgage off ( through rate/term refinancing ) on or prior to XXXX XX/XX/XXXX. 

As a result of the failure of the CRA 's, we have been denied credit from XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX even though the our credit is stellar/eligible outside of these errors and misreporting. 

We were offered a discounted payoff of our mortgage if we paid it off by XXXX of XXXX, however, we were unable to do so as a result of the CRA 's failure ( s ). 

All told, this problem is damaging us significantly. The total damages exceed {$200000.00} as of the present date ( XXXX XX/XX/XXXX ). 

We are in jeopardy of losing our home if we do not perform and honor our current mortgage contract by paying it off by XX/XX/XXXX. 

We do not have the means to file an FCRA lawsuit, so, please help us! 

On behalf of my wife, XXXX, & children, we thank you in advance for any and all assistance the CFPB can assist us with having the CRA 's simply correct incorrect and/or erroneous credit reporting. 

Sincerely, XXXX XXXX. 
XXXX XXXX, MI

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 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: OR

Complaint narrative:
PayPal closed my account then took money from a customer from a closed acct and took XXXX placed in my acct from his nobody knows why and now I lost customer and ccant return him his money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 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: MI

Complaint narrative:
Sir or Madam : I have been attempting to correct erroneous credit reporting over the past two+ years. 

Many items on the report are simply wrong. 

I have family members with the same and similar names. I believe that this may be part of the issue. 

The dispute process has been employed multiple times over the past two+ years. 

XXXX XXXX, XXXX & Experian ( a.k.a. the CRA 's ) have failed to correct or remove disputed items in accordance with the FCRA. 

Regarding the CRA 's obligations pursuant to 'ReInvestigation ', this is where the problem lies. 

After the initial disputes are filed, I get barraged with electronic, canned responses that are the same each time. These equate to nothing more than electronically-generated FORM LETTER RESPONSES. 

I have repeatedly asked the CRA 's to have a HUMAN BEING REVIEW SIMPLE ITEMS TO CORRECT OR DELETE, HOWEVER, THE CRA 's HAVE NEVER, TO DATE, HAD A PERSON PROCESS MY REINVESTIGATIONS ( which I understand violates the FCRA 's requirement for ReInvestigations ). Please EDUCATE ME ON THE FCRA HUMAN REQUIREMENT ( s ), if HUMANS ARE REQUIRED TO DO THE WORK. 

This has created an enormous stress and burden on my family and I. 

We are in the middle of a mortgage application to honor the lender 's requirement that we pay the entire mortgage off ( through rate/term refinancing ) on or prior to XXXX XX/XX/XXXX. 

As a result of the failure of the CRA 's, we have been denied credit from XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX even though the our credit is stellar/eligible outside of these errors and misreporting. 

We were offered a discounted payoff of our mortgage if we paid it off by XXXX of XXXX, however, we were unable to do so as a result of the CRA 's failure ( s ). 

All told, this problem is damaging us significantly. The total damages exceed {$200000.00} as of the present date ( XXXX XX/XX/XXXX ). 

We are in jeopardy of losing our home if we do not perform and honor our current mortgage contract by paying it off by XX/XX/XXXX. 

We do not have the means to file an FCRA lawsuit, so, please help us! 

On behalf of my wife, XXXX, & children, we thank you in advance for any and all assistance the CFPB can assist us with having the CRA 's simply correct incorrect and/or erroneous credit reporting. 

Sincerely, XXXX XXXX. 
XXXX XXXX, MI

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 2019-09-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted Equifax more than one time vs certified mail and have also called. 
Disputing and requesting that I personal information and name be updated and all those address and names that do not belong to me be deleted, and they refuse to comply with my request and Federal Law. I have mailed notarized letter with photo of my driver licence and social security card showing them what name is and how it is spelled, and still no change. Just as of XX/XX/XXXX I was mailed my report, which still has all inaccurate information my name is XXXX ( XXXX ) XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Nor have they remove all of those addresses that are not my address and the employment that is on there as well. This makes me give further verification to whom I apply for credit because I have all these different names and address and employer on my credit report. 
The following is inaccurate and needs to be deleted : ( 6 addresses this completely inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX employment that needs to be deleted XXXX ; XXXX XXXX ; PHONE NUMBER ( XXXX ) XXXX Please remove all inaccurate information and update my credit profile as to the following information is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also have never send me the proof that they investigate my dispute I have requested twice and they keep telling me it has been verified and accurate and the other disputed just have Not Specified Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX They have yet to provide me with proof of an investigation and any reporting documents that this is my debt and reporting accurately I have requested it by mail and phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I found XXXX, XXXX pesos bills while cleaning out my garage. I didn't know where to exchange them or their worth and asked several people. I was told to try BBVA. I went to one branch and was told they would exchange the pesos at 19 %, approximately  {$1500.00} US dollars, but only if I had a checking or savings account. I was told by a teller that I had to have a {$25.00} deposit to open an account and the pesos would be exchanged and the funds would be deposited into that account. I left that branch to think about it. After a couple of hours, I went to a different branch closer to my home and was told the exact information from two tellers. I opened a savings account and received a receipt for the pesos with the buyback quoted at XXXX. The next morning, I received a phone call from the bank stating that I wouldn't receive the exchange. I was told that the two tellers at the second branch and the original teller all made a mistake and I could pick up the pesos and I could keep the account I only opened to exchange the pesos open. After I questioned why I was told the pesos could be exchange if I opened an account with a {$25.00} deposit, I was told the account could be closed at no charge or fees. I feel that I was scammed into opening a savings account and mislead. I have a receipt with the quote for the pesos at an approximate amount of {$1500.00}, which is what three different tellers at two different branches told me, and now the bank refuses to exchange them. The receipt does say the rate quotes are subject to change and are only an indication rate. But the rates didn't change. I gave the bank my money to open an account I didn't want and told to pick up the pesos. After arguing with the branch vice president and president, I was told I would be called back the following day. I have been playing phone tag with them since. I feel that this is a serious and important issue and that I'm being ignored and swept under the rug, hoping I'll go away. I would like the account I never wanted closed, my {$25.00} returned, and an explanation for why the bank won't honor a collection receipt for the exchange of the pesos, as promised by the three tellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PMAB,LLC
State: NC

Complaint narrative:
Threatening to take my money and house. Already talked to debt collectors on a payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C Systems Collection agency does not have the right to collect or report on my credit report as a debt owed. I have repeatedly requested XXXX, XXXX and XXXX to remove from my report per the FCRA section 609 immediatly. I have requested an original copy of the signed contract from I C Systems Collection and they have failed to do so. This item remains on my report and is hindering my ability to obtain credit. I demand this be removed from my credit report immediatly.

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 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I had a balance with Amex of {$2900.00}. I submitted a payment in the amount of {$500.00} and they ran it as {$5000.00}, which is over {$2000.00} more than I even owe them. When I contacted them through chat, XXXX XXXX was unwilling to provide me the information to ensure that they fix the system error that causes them to take money that is not owed to them. I have never before been allowed by any other credit card company to pay an amount that is MORE than what I owed. They kept my money for 48 hours and were unwilling to even give me back the {$10.00} I spent to transfer money immediately from my XXXX so that I would not be overdrafted from my checking account. This conversation took place between XXXX XXXX EDT on Monday, XX/XX/19.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
My mortgage of 14 years with Ocwen transferred to PHH mortgage services in XX/XX/2019. Due to hurricane Florence I was in a 6 month forbearance plan. I didn't call Ocwen and ask for the plan, Ocwen called me and made the offer. Before Ocwen shut down there website I printed off 1 year of payment history and printed the last 6 months of confirmation of payments. When PHH mortgage services took over the loan they told me I was delinquent for the XX/XX/2019 payment. I sent PHH proof the XX/XX/2019 payment was made, ( confirmation number and bank statement ) I've sent 5 certified letters with copies of confirmation numbers and bank statements to prove all payments have been made on time and my account has never been delinquent. I've had numerous phone calls to the company and spoken to 6 different people, to no avail. PHH will not correct the error on their end. I know they have taken one of my payments and applied it to XX/XX/2019, which, had already been paid and I've sent them proof of that, which now means 2 payments were made in XX/XX/2019. Now PHH persistently insists I am a month behind regardless of all the confirmation of payments made on time and the bank statements. I think this is a deliberate attempt to try and foreclose on my home due to the equity I have in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. TransUnion, has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the  Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive. In fact TransUnion response has been vague, it does not explain what they investigated, the nature of and results of their investigation, who they talked too or when the investigation took place. In fact, unlike XXXX & XXXX and they have repeatedly failed to prove me of a copy of my credit reports in order to substantiate their findings.

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