vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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: HI

Complaint narrative:
Prior to the COVID related shutdown, my credit score was over 800. Due to the reduced interest rates, I decided to refinance my car loan. My rate was higher than expected so I asked why. My credit score dropped over 100 points to below 700, so they only offered a higher rate. I finally reached out to the credit reporting agency this week, and their latest report has my score back into the 700s. I just happened to be discussing this with another friend and they also noticed a drop. I posted on XXXX and asked if others noticed it -- 4 people replied that theirs had also dropped. I think they should be investigated for dropping credit scores for no reason, except for a possible 'financial crises. ' Fortunately, I am still working full-time, so my pay has not been impacted by the shutdown. I just think it's wrong for credit scores to be lowered for no reason. 

Apologies for going this route, but none of the questions preceding the opportunity to describe the issue really applied to my situation. I'm going to reach out to the bank about their proposed interest rate and see if they can adjust it. I haven't signed the loan docs yet. 

Thank you for your time and looking into this situation. 
XXXX and stay safe, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: CA

Complaint narrative:
I have requested for verification of debts, and all 3 credit bureaus failed to verify my debts, and they have also failed to remove the items from my reports, and I have notified them they are in violation of the law. They refuse to do anything about it. I've sent each credit bureau numerous certified letters, with return receipt, outlining what accounts I was asking for verification on. They responded back, but they did not verify the debts or remove 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
Consumer complaint received 2020-05-04 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: CA

Complaint narrative:
I have requested for verification of debts, and all 3 credit bureaus failed to verify my debts, and they have also failed to remove the items from my reports, and I have notified them they are in violation of the law. They refuse to do anything about it. I've sent each credit bureau numerous certified letters, with return receipt, outlining what accounts I was asking for verification on. They responded back, but they did not verify the debts or remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Second Round Limited Partnership, Austin, TX Branch
State: MN

Complaint narrative:
I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 

In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Lendmark Financial Services
State: MN

Complaint narrative:
I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 

In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: STERLING JEWELERS, INC.
State: MN

Complaint narrative:
I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 

In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have the US Bank Cash+ Credit Card XXXX I have been not getting the Rewards Cash back as the company advertised. I fear there is likely intentional avoidance to prevent giving customers the correct amount of cash back. 

I have signed up for the correct categories on the US Bank signup page. I should to be getting 5 % cash back on TV, Internet , & Streaming Services on my credit card. There have been multiple instances where US Bank has refused to give my the 5 %, instead defaulting to 1 % for no reason. I have such obvious merchants that US Bank lists on their website as being supported : XXXX, XXXX, and XXXX XXXX XXXX that there is no reason I should be having any issues. 

There have been instances where XXXX XXXX  XXXX was given 1 % and 5 % cash back. This could not have happened since there was no change in billing and the information has come through the exact same. Additionally, I have never received 5 % cash back on XXXX or XXXX, only " qualifying '' for 1 % cash back for billing with two of the largest merchants in streaming. I pay my bills through them directly and should have absolutely no issues. 

US Bank claims may claim that these " discrepancies '' are because of codes that the merchant uses. If that is the case for XXXX, XXXX, and XXXX XXXX  XXXX then I am wondering if US Bank is defrauding thousands/millions of customers either intentionally or due to their faulty system. Again, I will repeat that these merchants are listed on the US Bank website directly when signing up for these cash back rewards. 

I am demanding that US Bank looks at each of my changes, adds to my rewards balance what I am owed, and then continues to categorize correctly indefinitely. I then demand that an independent consumer watchdog launches an investigation into US Bank 's fraudulent activity to ensure that they are not defrauding their customers with this obvious ploy to pay out less in credit card cash back rewards.

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 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I became deliquent with my mortgage in XXXX and was unable to qualify for a modification. In researching I discovered that XXXX XXXX had a program for a partial reinstatement payment for properties in foreclosure. I requested this program from XXXX XXXX but was told that no such program existed, although I sent them XXXX XXXX documentation for this program. I reached out to XXXX XXXX and requested that they intervene, which they did. XXXX XXXX ( Case # XXXX ) had them place the foreclosure on hold while a partial reinstatment plan was established. The plan was to include a lump sum payment, by me, to bring the past due balance down to a manageable monthly payment. During this time I received a letter from XXXX XXXX that the loan had been transferred. When I called and spoke to XXXX XXXX of XXXX XXXX I was told that it had not been transferred and I would be receiving a letter. I received correspodence from XXXX XXXX on XX/XX/XXXX stating that the partial reinstatement plan was in review. However, the loan had been transferred to Select Portfolio Servicing and took effect on XXXX. I went through another loss mitigation application process with SPS which was denied. I appealed and in my appeal I requested the partial reinstatement plan and furthermore provided them with documentation from XXXX XXXX. I also expressed that I had been working with XXXX XXXX on a partial reinstatement plan. It is my understanding that when a loan is transferred to a new servicer, the new servicer is to consider the workout plan between the borrower and the previous servicer. SPS has not given me that opportunity. At this point they are only giving me the option to fully reinstate although XXXX XXXX has a program for my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I HAVE CONTACTED THE COMPANY SEVERAL TIMES TO NOTIFY XXXX  CREDIT AGENCY TO REMOVE ALL NEGATIVE ITEMS AND AS OF TODAY 'S DATE NOTHING HAS BEEN DONE BY NET CREDIT. I HAVE ALSO FILE SEVERAL CFPB COMPLAINTS AND NET CREDIT REFUSES TO COMPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Audubon Holdings Group
State: WA

Complaint narrative:
On XX/XX/2020, I paid in full a charge off. ( {$320.00} ) Original lendor was XXXX Visa Credit Card but the debt was sold to XXXX XXXX XXXX XXXX. The debt collector agreed to a " pay for delete ''. To be specific the charge off was suppose to be deleted off all three credit bureaus. The XXXX XXXX XXXX   XXXX visa account is still reporting as a closed account and still reporting the late payments when the account is suppose to be completely deleted.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-04 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: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington Mortgage has now falsely reported my XX/XX/2020 payment as 30 days late. This is the third adverse retaliatory action taken against me since I attempted to exercise my rights under The Fair Credit Reporting Act ( FCRA ) by disputing Carrington 's handling of my XX/XX/2020 payment. Currently, the 3 negligent acts taken against me include : reporting my XX/XX/2020 payment as 30 days late, reporting my XX/XX/2020 payment as 30 days late, and inflating my principal balance back up to {$48000.00}. I will gladly attach bank statements showing my cleared checks to Carrington and credit reports showing the above facts. Carrington 's actions are clearly a willful violation of Federal Law. 

While the reality was that Carrington was sending these false reports ( e.g. 30 days late XXXX, and 30 days late XXXX ) to the credit bureaus, Carringiton would write me letters hinting that they were investigating my account history as evidenced by the following quotes in a XXXX letter : our records show that the CMS Loan Administration Support Department originally received an inquiry from you on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ... 
Moreover, the Loan Administration Support Department received the following Automated Credit Dispute Verifications ( ACDV ) from you : ( 1 )  on XX/XX/2020 from XXXX  ( 2 ) on XX/XX/2020 from XXXX  ( 3 ) on XX/XX/2020 from XXXX  ( 4 ) on XX/XX/2020 from XXXX ( 5 ) on XX/XX/2020 from XXXX  ( 6 ) on XX/XX/2020 from XXXX ( 7 ) on XX/XX/2020 from XXXX  ( 8 ) on XX/XX/2020 from XXXX  and ( 9 ) on XX/XX/2020 from XXXX.. 


Carrington Mortgage attempts to hint that they were diligently and accurately attempting to correct any innocuous glitches with my credit report, yet I contend they were actually creating more problems ( e.g. false claim of late XXXX payment, false claim of late XXXX payment, and inflated principal balance back up to {$48000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank allowed over 15,000 worth of fraud on my account and their " customer service '' representatives are blaming me for the transactions. I have not left my city due to shelter in place, yet my card was used in ATMs in XXXX and XXXX XXXX for over a week while I was busy at home. Once I realized the fraud I tried calling chase and filing claims, their phone support was less than helpful as I was transferred from line to line to file claims, some of the customer service representatives even implied they didn't believe me because theres " the pin was used '' so it must have been me? That is ridiculous considering it is the banks job to protect their customers and figure out what happened to the money. Even though claims were filed for the transactions and a police report was filed, the funds have not been returned to my account- in fact I called back to check on the status of my claims ( filed two weeks ago ) and I was informed they decided there was no fraud! My account is over 4000 dollars in the negative in the middle of pandemic because Chase Bank wont take accountability or protect their customers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This bank is allowing strangers to use my available balance. They are also overcharging me for XX/XX/2020. I will contact the police if they do not stop bothering my credit card and banking accounts. I had an available balance of {$53.00} yesterday. The bank is allowing someone to access my credit card. I do not have any friends or associates to steal money from my checking or savings account. I paid a large payment on XXXX of 2020 yet I am farther over my limit. Why is that? Someone would have to back track my balance and available credit the last couple of months. This is ridicilious. How did I have {$53.00} available yesterday and now its {$53.00}. A stranger is causing my balance to go over the limit. My payment keeps increasing.

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 2020-05-04 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: AL

Complaint narrative:
XXXX XXXX has now falsely reported my XX/XX/2020 payment as 30 days late. This is the third adverse retaliatory action taken against me since I attempted to exercise my rights under The Fair Credit Reporting Act ( FCRA ) by disputing XXXX 's handling of my XX/XX/2020 payment. Currently, the 3 negligent acts taken against me include : reporting my XX/XX/2020 payment as 30 days late, reporting my XX/XX/2020 payment as 30 days late, and inflating my principal balance back up to {$48000.00}. I will gladly attach bank statements showing my cleared checks to XXXX and credit reports showing the above facts. XXXX 's actions are clearly a willful violation of Federal Law. 

While the reality was that XXXX was sending these false reports ( e.g. 30 days late XXXX, and 30 days late XXXX ) to the credit bureaus, XXXX would write me letters hinting that they were investigating my account history as evidenced by the following quotes in a XXXX letter : our records show that the XXXX XXXX XXXX XXXX Department originally received an inquiry from you on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ... 
Moreover, the XXXX XXXX XXXX Department received the following Automated Credit Dispute Verifications ( ACDV ) from you : ( 1 ) on XX/XX/2020 from XXXX ( 2 ) on XX/XX/2020 from Experian ( 3 ) on XX/XX/2020 from XXXX ( 4 ) on XX/XX/2020 from Experian ( 5 ) on XX/XX/2020 from Experian ( 6 ) on XX/XX/2020 from XXXX ( 7 ) on XX/XX/2020 from Experian ( 8 ) on XX/XX/2020 from XXXX and ( 9 ) on XX/XX/2020 from Experian.. 


XXXX XXXX attempts to hint that they were diligently and accurately attempting to correct any innocuous glitches with my credit report, yet I contend they were actually creating more problems ( e.g. false claim of late XXXX payment, false claim of late XXXX payment, and inflated principal balance back up to {$48000.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Was depositing my cash In the amount of {$320.00} at the atm in XXXX atm. the the atm short down and took my money. I call and informed the bank about what happened. they said they were going to investigate. they later credited me {$60.00}. they said the day that took my information said that I said I deposited 3 {$20.00} dollar bills. I called then again to have it fix but they did nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
This is my second complaint regarding this company. When I checked my credit report and saw I have a collections account from Bull City Financial Solutions. I sent this agency a letter on XX/XX/19 and again on XX/XX/19 asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative. I filed a complaint on XX/XX/19 regarding this issue and the company responded on XX/XX/19 stating they sent me validation. That is far from the truth. This agency has NEVER sent me anything. I have reached out to them numerous of time to validate the debt but with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Have attempted to contact the creditor multiple time by mail and phone. Have never received a written response from the creditor. Was able to speak to a representative and was told they had no information on my account.

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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Have attempted to contact the creditor multiple time by mail and phone. Have never received a written response from the creditor. Was able to speak to a representative and was told they had no information on my account.

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 2020-05-04 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: TN

Complaint narrative:
Have attempted to contact the creditor multiple time by mail and phone. Have never received a written response from the creditor. Was able to speak to a representative and was told they had no information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TN

Complaint narrative:
Have attempted to contact the creditor multiple time by mail and phone. Have never received a written response from the creditor. Was able to speak to a representative and was told they had no information on my account.

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