vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: KY

Complaint narrative:
flagstar bank texas, ive never missed or been late i which for you to pull my records of bank account and see for your self, this bank rouned my credit before they started doing this issues to me and only reason know this is on 2x time they double billed me i went to my bank to refinance and they told me my new credit and who did it to me, they double charge me and keep back payment to make out to be late till next mounth that i send in and then they'll cash in 2 payments ( this is their resent thing they started doing ) sometimes ill get a bill for less than {$50.00} then after sending my normal payment in will go back to their over billing deal, they got my credit bad enough now the my truck payment thinks they should be paid on XXXX of month and start harssing me much sooner, i still have several bills they sent 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 2020-07-22 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am reaching out to you directly to get further assistance regarding an outstanding balance Radius Global Solutions ( RGS ) forwarded to the Credit Bureau Agency. I received a second alert from XXXX  and XXXX regarding this outstanding balance. However, I never received phone calls nor letters in the mail regarding this matter. 
Had it not been for XXXX and XXXX providing me with the notificationalerts, I would not have known anything about this. I contacted RGS at the phone number listed below from the website and spoke with a young lady who was not able to find my information in the system. I asked her to transfer to a supervisor, which she did after begging her to do so. She initially told me that she may not be able to do that because she works from home and does not have that information. She transferred the call to a gentleman who was able to transfer me to the correct person, Supervisor XXXX XXXX (? ) from the MN office. She tried to help me but was not able to find my name in the system as well. She asked that I provide my SS number to her, and I declined. I provided all the other information she asked for, but she was not able to find my name in RGS 's database. If I truly have an outstanding balance with a company that RGS works with, I am fine with that and will settle it timely. All I ask is to be notified of this appropriately before my information is sent to the credit bureau. When the RGS employees were not able to locate my information, I can't help but think if this was fraudulent activity. If it is, then it needs to be brought up to the credit bureau for further investigation. I just hope that this was an oversight on someone's part. And if so, I am needing your assistance to get it rectified as soon as possible. 
Thank you for taking the time to read my lengthy background 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 2020-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed several things with the bureaus and they have not responded to my request. It has been several months and I need to know where I stand with the information I disputed.

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have attempted to resolve this matter with this company since 2015 and have not been able to do so. This company is still reporting debt under my name for something I am not responsible for. I have attached a copy of the contract they sent as " proof '' of debt along with a letter I sent to XXXXn for their review of this item. This fraudulent contract does not contain my signature, therefore making it invalid and proving that this company is trying to collect a completely fraudulent debt. Please make this company delete this item from my credit history once and for all. Thank you.

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 2020-07-22 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: NE

Complaint narrative:
The credit bureau is reporting a chapter XXXX bankruptcy on my credit report. This is not my account and needs to be removed immediately. XXXX credit bureau has already removed this public record 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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Disputed this collection previously in XX/XX/2020, and it was removed from credit report, but has came back by a different collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I do not recognize hard inquiries from CBNA/Best Buy on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from 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 2020-07-22 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 is incorrect
Company: Verisk Analytics Inc
State: CA

Complaint narrative:
XXXX XXXX has incorrect information about my former property. It has a list of numerous loss claims that supposedly occurred while I lived there XX/XX/XXXX to XX/XX/XXXX. The new owner can not get insurance through XXXX and is threatening to sue me because I allegedly did not report all the known damage. There were no claims submitted while I loved there. I called XXXX XXXX and they were unable or unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: MD

Complaint narrative:
I filed a bankruptcy in XXXX of 2020. I disputed items that were in that bankruptcy with the three credit bureaus. The items have been updated properly on one bureau. But your bureau did not properly update them. 
Federal law requires that you update the present status of an item or remove it after dispute. I provided copies of my bankruptcy schedules clearly showing these three items. I have attached them to this complaint. 
The items that should be listed as " Included in Bankruptcy '' are : XXXX XXXX XXXX XXXX ( Acct. XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( Acct. XXXX ). And XXXX XXXX ( Acct. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On or around XXXX XXXX, I contacted Wells Fargo and requested a XXXX   month payment history going back from XX/XX/XXXX to XX/XX/XXXX. 
As of today 's date XXXX XXXX, I have not received this requested document and I have spoken to an account specialist on several occasions and was told my request was finished and being sent to me, but I have not received it and I need this information to complete an application for a new mortgage.

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 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed several things with the bureaus and they have not responded to my request. It has been several months and I need to know where I stand with the information I disputed.

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 2020-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed several things with the bureaus and they have not responded to my request. It has been several months and I need to know where I stand with the information I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX, I checked my XXXX  Credit Report, and it showed a collection from Southwest Credit Systems. The date of the debt was XXXX, XXXX. This debt is over 7 years old and should no longer be on my credit report. It was for a cell phone service to an organization of which I was an XXXX. The organization folded, and XXXX charged me with the balance. They said they would remove the charge, but never did. 

In any case, this happened before XXXX. I filed a dispute with XXXX, and all they did was " update '' my credit report after contacting SW Credit Systems. But nothing on the report changed. SW Credit Systems left the date as XXXX instead of XXXX or XXXX. So a debt that should be removed from credit report is reported as XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: FL

Complaint narrative:
Ascension continues to call family members and mail information regarding debt of our deceased Dad. Their tactics are disgraceful including calling our Dad 's grandchildren.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sent a {$1.00} transaction from myself ( ME ) to XXXX XXXX ( CO ) to test an e-commerce button I had just installed on the company website. Mistakenly there was a {$26000.00} item in the cart, and PayPal processed the transaction for {$26000.00}. 

The problem was complicated by the fact that in trying to block the transaction for happening I disputed it with my credit card provider. Then after after being told that a dispute would prevent a refund to XXXX XXXX I un-disputed it, and then after that didn't work either I re-disputed it. This created a series of transactions that exceed the ability of customer service agents working on chat to understand and resolve. 

So now after months of attempts to reverse or annul the transaction at PayPal, multiple and continuous attempts to reverse or fully credit the transaction at my credit card provider, and at the online merchant backend provider, on behalf of myself ( ME ) and of XXXX XXXX ( CO ) have failed and PayPal now insists that I personally ( ME ) owe the {$26000.00} but they won't refund that money to XXXX XXXX ( CO ), so I'm stuck holding the bag for a completely fictitious {$26000.00} transaction. It's a bookkeeping mistake, somebody needs to make another debit or credit entry, but I can't manage to speak to anybody at PayPal. Everything is by chat only, with low-level agents who don't understand and refer me to everybody else like the credit card company. But XXXX says that PayPal tells them that too much time has gone by so the case is closed. I need to talk to a human being with a brain, or else take it to court with PayPal, but I'd much prefer to speak to a human being. 

I can no longer use my credit card because of this and I'm incurring penalties and interest on the full amount. I thought it would be settled in a few days, but since it has been going on for almost four months it has turned into a personal financial crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 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: TX

Complaint narrative:
I have a HARD INQUIRY on my Equifax credit report from a company XXXX XXXX from XX/XX/2019. I did not authorize this credit report pull from this company and I want this " hard inquiry '' removed from my credit report at once as it is impacting my credit score due to this fraudulent inquiry. 

I have tried multiple times to get Equifax to clear up this erroneous, false, and fraudulent information on my report only to get an excuse that it was authorized. 

I DID NOT AUTHORIZE THIS CREDIT PULL. 
EQUIFAX needs to correct what process or system disconnect made this credit pull possible and ensure that this doesn't happen to other people going forward. 

I want this removed from my credit report at once. 
I WILL NOT SEND IN ADDITIONAL INFORMATION via old fashion mail to Equifax for this issue - they need to allow for real-time resolve to errors that they have made on their part that are impacting a consumer. I want this resolution to be immediate and swift - it has been over a year fighting this to be removed. 

I DID NOT AUTHORIZE THIS CREDIT PULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
i askes transunion to verify that information on my credit report is reporting 100 correct. transunion fail to reply with in a timely matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: EQUIFAX, INC.
State: OK

Complaint narrative:
i askes XXXX  to verify that information on my credit report is reporting 100 correct. XXXX fail to reply with in a timely matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
National Credit Adjusters placed a debt on my credit report on XX/XX/XXXX that I have no knowledge of nor did I ever receive written communication regarding this debt. National Credit Adjusters never sent me any type of written communication or proof that this debt belong to me. This company did not try to contact me regarding this debt or provide proof prior to placing this debt on my credit report. Per FCRA debt collectors are legally obligated to send out written notification/bill regarding debt as well as giving a consumer 30 days to dispute/respond PRIOR to placing a debt on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had an account with capital one. The account was in good standing until someone stole my info and charged on the account. I do not know who did this. I have tried to dispute this matter as well as went through the credit bureaus and have not had any help from them. I was sick with XXXX XXXX and during treatment out of state my identity became compromised which led to many accounts being opened and used fraudulently. I have since out fraud alerts on my credit reports. Please help to resolve this issue. I have attached my XXXX XXXX XXXX XXXX XXXX ID card a well as XXXX letter to show I have been a patient and treating with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TX

Complaint narrative:
I have a HARD INQUIRY on my TransUnion credit report from a company XXXX XXXX XXXX XXXX from XX/XX/2019. I did not authorize this credit report pull from this company and I want this " hard inquiry '' removed from my credit report at once as it is impacting my credit score due to this fraudulent inquiry. 

I have tried multiple times to get TransUnion to clear up this erroneous, false, and fraudulent information on my report only to get an excuse that it was authorized. 

I DID NOT AUTHORIZE THIS CREDIT PULL. 
TRANSUNION needs to correct what process or system disconnect made this credit pull possible and ensure that this doesn't happen to other people going forward. 

I want this removed from my credit report at once. 
I WILL NOT SEND IN ADDITIONAL INFORMATION via old fashion mail to TransUnion for this issue - they need to allow for real-time resolve to errors that they have made on their part that are impacting a consumer. I want this resolution to be immediate and swift - it has been over a year fighting this to be removed. 

I DID NOT AUTHORIZE THIS CREDIT PULL.

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: OK

Complaint narrative:
Discover offered my XXXX percent interest for 18 months on purchases and balance transfers. They have changed my purchases interest rate but keep the balance transfer rate. They also illegally allocated my payments to my balance transfers and not the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I've been a loyal customer of Chase for years and with the recent pandemic, my business slowed. I was charged a {$95.00} annual fee for a card I have not used in a while and trying not to as I navigate the COVID environment business wise and the loss of business income. I asked for a courtesy waive of the yearly fee as I've always maintained my accounts in good standing and the agent rudely declined. I felt that not only was she not able to resolve my concern but was very rude in my interaction. 

I am requesting for a review a waive of the annual fee for this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Vehicle was deemed a Lemon under NJ statutes, I was told I did not have to pay for the vehicle while under attorney protection. Ally continued to call & harass myself and my father, while attempting to repossess the vehicle. 
Ultimately, the vehicle was totaled in a crash. Now, trying to get in touch with someone at Ally has been an absolute joke. HOURS wasted on the phone, on hold, the wrong people transferring calls, payments misdirected, absolutely abysmal. 
The astronomical amount of XXXX  and laziness shown by these people have prevented me from closing on a house. Because I need this matter to be cleared, myself, my father, and my insurance company have been trying non-stop to get someone with half a brain to get moving on this. 
There have been MAJOR issues with Ally and the handling of this. Their Total loss department was contacted by my insurance company on XX/XX/2020 to initiate the loss. It wasn't until two weeks later my insurance company called them to find the status and they didn't even begin the process!! The Gap insurance company has NOTHING from Ally and I had to open the claim myself ( which is Ally 's responsibility ) just to find out Ally has done NOTHING as well for the Gap payoff amount. 
My father took the initiative to pay off the payments that were in question ( in order to show the account is in good standing to allow the house lender to close ) and they screwed up where the payment went!! Now, their XXXX  caused another delay which is preventing the close on the house. 
Their customer service staff is completely useless in every way and now I will be without a home as I need to be out by XX/XX/XXXX, and the closing was supposed to be a week ago. 
If I can not get into my new house by Friday the XXXX I will unleash a lawsuit on them.

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