vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-07 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:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Three of the four credit reporting bureaus have failed to add/update my credit file with my mortgage, even though my lender, XXXX DBA XXXX XXXX, is properly reporting it every 30 days to all 4 bureaus. XXXX, Equifax nor XXXX have added my account with XXXX to my credit file. My mortgage account is appearing properly on my XXXX credit report. XXXX feels that it has done everything legally possible to get my trade line with them reinstated with the credit bureaus to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: COMMERCE BANK
State: IL

Complaint narrative:
I have been working with Commerce Bank since XX/XX/XXXX regarding derogatory payments being reported on my credit report. They have indicated to credit bureaus that I have not paid my account in XX/XX/XXXX and XX/XX/XXXX. The account has had a XXXX balance since XX/XX/XXXX, however they report that I owed a {$13.00} on this account and failed to provide statements. I filed disputes with all bureaus on XX/XX/XXXX and contacted the bank. All of the disputes were denied by the credit bureau. Commerce bank admitted the mistake over the phone and removed the {$13.00} ; they said the issue would be resolved with my credit report within 30 days. They would not issue a letter to my mortgage broker in the interim. There was no update in XX/XX/XXXX report so I continued to call them ; no answer, and no update to my credit reports. I have spoken with Commerce Bank, Loss Containment, Credit Dispute,  Customer Service, and their Regulatory Risk Management department. They have admitted that they have made an error however will not remove these marks from my credit report. This has cost me time ; and the ability to purchase a home in a timely manner. This is unacceptable ; no one at the bank seems to know what to do ; my credit report is being artificially lowered by around 100 points and preventing me from moving forward with a purchase without a significant increase in my downpayment amount and a much higher interest rate than I would otherwise have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Wakefield & Associates and a validation letter was sent. On XX/XX/XXXX I reviewed my credit profile again as Wakefield & Associates had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, was ran through Medicaid and not paid and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC
State: NC

Complaint narrative:
I previously sent CoreLogic a letter to place a security freeze on my Corelogic report but instead of them placing a freeze on my report, they told me that they are a reseller of the consumer report information provided by the three credit bureaus, so they didn't place a freeze on my CoreLogic 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 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I thought I was purchasing sneakers From the XXXX  page XXXX XXXX but I was scammed for {$900.00} through XXXX XXXX for half And XXXX for the other half. When I realized it was a scam I tried texting them but I was blocked and when I called my bank and XXXX XXXX they both told me they couldnt help me because I had authorized the purchase all BOA could do is make a claim and they actually told me I need the scammers permission to get my money back like what tell me where he is and Ill go get it myself it makes no sense sane person scammed my friend for XXXX and the worst part is we cant even get his page banned reported it multiple times and its still up 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
show tooltip button XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ALL FTC VIOLATIONS REPORTED AND SENT TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I paid my debt as requestedXX/XX/XXXXand was told that my account was satisfied and closed by Midland Funding ( the legal subsidiary ). When I called to check on my account with Midland Credit Management ( the consumer support division ), I was told they had no record of my payment and it was " in another system. '' This is a situation where I have paid as agreed and they are sending me from one company to the next, playing hot potato with my attempt to clear my account and remove their trade line from my credit report - which they indicate they must do per their very own website policies. I can never get a straight answer from anyone, any time that I call, regarding how long it will take and what steps need to be taken other than a very broad " can take up to 30-45 days '' each step and " you must wait, thats the way things are. '' All the while, their employees and supervisors take a smug and arrogant attitude and pursue shame and guilt as tactics to give themselves some unnecessary space from answering the question at hand. The point remains that I have no debt with this company and they are in no hurry whatsoever to resolve my claim and clear my name. They are hiding behind technical incompetence and " the way things are '' as opposed to having a positive outcome with a client of theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My name is XXXX XXXX I'm a recently XXXX  XXXX XXXX Veteran that had my signature signed fraudulently signed by Ocwen LLC in XXXX as a co-borrower for a refinance. Here 's a little history. I was a co-signer on a Mortgage with my Mom from XXXX. Fast Forward to XXXX and Ocwen refinanced a Mortgage with my Mom and they apparently got her signature and put mine as a co-borrower as well. The Documents were never sent to me, or notarized which they need to be. When my Mom died in XX/XX/XXXX, I discovered then that I was on this Mortgage then. After unsuccessfully trying to contact Ocwen to refinance this in my name, they gave me the run-around. I was deployed overseas then, and they never told me that my Mom must have refinanced with her signature, and my ( forged ) signature from them on this document is when I noticed a $ XXXX Mortgage remodification was done in my name without my consent. I found this out from XXXX XXXX Mortgage, which is who Ocwen sold the mortgage too. XXXX XXXX were the ones who told me about the $ XXXX when I tried to refinance with them since I was getting nowhere with Ocwen. I believe they committed Mortgage fraud, they never called me, emailed me, or anything back in XXXX when they did this refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Approximately XXXX XXXX I was contacted by my mortgage holder ( Freedom Mortgage ) to re-finance my current mortgage at a lower rate. I took them up on this offer and they stated it would close before my XX/XX/2020 payment was due. This didn't happen. We tried to close before XX/XX/2020 payment was due. This didn't happen. Since this process began back in XXXX, ( now approaching 90 days ) I have had trouble trying to contact Freedom Mortgage for the status on my loan. In XX/XX/2020, I was told that a subordination agreement was sent out to XXXX XXXX XXXX ( my bank ) to  sign. Again in mid XXXX I was told a subordination agreement was sent out. Last week in XXXX I was told again, by the loan processor, that a subordination was sent out. Each time I have contacted XXXX to check if they had received a subordination agreement. Each time their answer was NO. For the past four weeks I can not get the loan officer to return any of my calls. I have asked to speak to a supervisor on four occasions, but get voicemail and no return phone calls. I even sent an email to the CEO XXXX XXXX with no results. I call their phone number and you get please hold or enter your phone number for a call back. I have done this at least 6-8 time during the past 3 weeks with no return phone call. Since this process began, the only thing I have received is 5 change in terms, of which the last one had an error. Too many lies and untruths from this institution. I'm a retired banker and know the process.

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 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX NY, XXXX. This is in regards to American Express card # XXXX On XX/XX/2020, I purchased tickets to a XXXX basketball game from XXXX  using my American Express card for {$550.00}. The company sent me the wrong tickets and refused to exchange them. I contacted American Express and they sided with the company since the company has a policy of no refunds. American Express did not look into the nature of my complaint - i.e., I was sent the wrong tickets. 

The game was cancelled due to COVID and then the whole XX/XX/2020 XXXX  season was cancelled. XXXX offered me credit that is good until XX/XX/2020. Unfortunately, all arena events are cancelled in my area for XX/XX/2020due to COVID. I again submitted a dispute to American Express. They did not read the complaint and simply re-stated that the company does not issue refunds. 

XXXX XXXX have refunded all ticket holders for the XX/XX/2020year and XXXX  is keeping the money.

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

Complaint narrative:
show tooltip button XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ALL FTC VIOLATIONS REPORTED AND SENT TO 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 2020-07-07 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: LA

Complaint narrative:
show tooltip button XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ALL FTC VIOLATIONS REPORTED AND SENT TO 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 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I received a new PNC credit card and set it up for automatic payments online. When the first payment was due the payment didn't come out. When I was notified the payment wasn't made I called in and paid the amount due and set up autp pay again and had the late fee removed. The same thing happened again in XXXX so I called in to find out why the auto pay didn't come out and it turned out that when the representative put the auto pay in place for that one payment but not for recurring auto pays. So I called in and paid the payment but they refused to remove the late fee because they said it wasn't their fault. My statement clearly shows that the payment I made was an auto pay. Basically it's just a miscomminucation on their part that they told me I was set up for auto pay but didn't mention I had to do it differently for it to be recurring. The last time I called in we figured out what happened and they assured me the recurring auto p [ ay is on now but still will not remove the {$39.00} late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Radius Global Solutions and a validation letter was sent. On XX/XX/XXXX I reviewed my credit profile again as Radius Global Solutions had not responded nor has the account been reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, was ran through XXXX and not paid and that all information is correct.

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 2020-07-07 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: AL

Complaint narrative:
Ive tried multiple times to dispute Fraudulent information oN my reports. Equifax and XXXX  has customer service thats overseas and the workers barely understand English Ive been hung up on for lack of them understanding English. Ive contacted the company thats on my report and they says that theres no accounts listed in my name with them so why is it being reported on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm trying to correct some personal information with Experian and the number they give to call is literally useless - XXXX. There is no option there to speak with anyone. Just some useless automated operator that does not provide any information and eventually hangs up on people.

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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I went into the Chase Bank to withdraw XXXX dollars from my checking account, the machine turned red and said attention can not distribute your cash at this time, it gave me a receipt, saying that it took the XXXX dollars and at the bottom of the receipt it stated. " We aren't able to give cash right now. Please call us at XXXX. '' XXXX. I called and was told too submit a claim with my bank I did that and still no refund or contact from chase regarding the issue. The manager that was in charge at the time would not look at my receipt or help me trying to explain the process. She did not care at all, she also told me the machine was acting up earlier that morning, wasn't working properly, but failed to put a sign on the machine and didn't put a sign on the machine after I left because my mom went in there to speak with her about the issue, and there was no sign that she's still let people use that machine and knowingly wasn't working correctly, was very rude to my mother as well. I went into another Chase Bank on XX/XX/XXXX spoke too a manager showed him the receipt he told me he would file a complaint against that supervisor and try too get to the bottom of everything but I have yet too be contacted I just want my money refunded back it is a lot that was taken and I have bills and am XXXX.

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

Complaint narrative:
XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.

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 2020-07-07 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: TX

Complaint narrative:
XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.

Company response to consumer: Closed with explanation