vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In XX/XX/2020 my credit score went down 51 points on trans union and 69 points in XXXX. This is strange because I have no new accounts and all my credit cards have been paid on time. I have called trans union but they have been very difficult and were not able to explain why my credit went down by this huge sum. I am worried because my credit has never went down this much for no reason. XXXX  does not have an option for me to dispute my charges making it hard. No one can answer my question and it is proving to be frustrating. I am tired of not getting an answer or being told something generic and off the script. My credit has been reported falsely and I want to know why and I want it fixed.

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 2020-06-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Made an agreement with Chase Amazon credit card for 2 different offers for 0 % APR financing. Chase is stating that because I over paid my credit card by a small amount than what was due. The 0 % APR offer is cancelled and requiring full payment of remaining balance due immediately. Not only was never informed this was the case, they seem to want to penalize a slight overpayment. 

Attached you'll find 2 statements, one before and one after this error was made. You'll also notice no mention of overpayment cancelling the remaining 0 % APR offer on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: MO

Complaint narrative:
I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} XXXX {$23000.00}

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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
Myself along with my Title Attorney have been attempting to receive a payoff quote for my mortgage currently serviced by LoanCare. I  submitted my initial request on XX/XX/2020 providing both a mailing address along with a fax number. After no communication from LoanCare for almost two weeks I submitted another payoff request on XX/XX/2020 again with a mailing address and fax number. Still zero communication from LoanCare. I have also attempted to reach them by email at XXXX on XX/XX/2020 I have attempted to reach them by phone as well. Unfortunately they have a fully automated system. The only way I can speak with a live person is if I act like i want to refinance my home. When I explain my situation to them I once again get forwarded to the automated line. 

Not receiving the payoff quote is costing me interest daily along with the additional money for the tax credit I will owe the buyer of my home.

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 2020-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Autovest, L.L.C.
State: WV

Complaint narrative:
To whom it may concern, On XX/XX/XXXX, a complaint was filed with the courts of XXXX XXXX WV. to issue a judgment for a repossessed vehicle. On XX/XX/XXXX this complaint for judgement was entered/granted to the plaintiff, Autovest, LLC Assignee of XXXX XXXX XXXX  against me ( defendant in the matter ) in the sum of {$7400.00} with accrued interest of {$3900.00}, at a rate of 14.9 % interest per annum from the date of filing or relief and the costs herein expended. This case has not been settled nor pushed for relief until 10 years later when Autovest law office issued a " Writ of Execution '' on XX/XX/XXXX to seize my property via sheriff in attempt to satisfy the then amount balance of {$18000.00} that they say we owe, this " Pracipe For Execution '' or Writ was to be kept alive for 90 days. On XX/XX/XXXX the sheriff returned for comment on this that said, " Returned. No Property Found. '' Since then, no movement for relief has been sought by either party until XX/XX/XXXX when the Autovest 's attorney issued a " Suggestee Execution '' order to garnish my wages in the now amount due {$21000.00}. This recourse is unacceptable due to the statue of limitation being up on this matter of debt collection and any actions pursuant to. Do you have any suggestions on how I can remedy this predicament or how I may protect my wages from this illegal garnishment/action? Your assistance with this matter would be greatly appreciated! I can only imagine how many other consumers are faced with the same challenges as I am with this company. 

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 non-monetary relief
Consumer complaint received 2020-06-22 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: TX

Complaint narrative:
show tooltip button XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc

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 2020-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
On XX/XX/2020, a certain company made a vacuum cleaner which doubles as a air refresher presentation at my residence. I decided to buy the product so they linked me up via phone call with their affiliate loan company to finance the product for me. The loan company is called Preferred Credit Inc. During the call, I requested to know the interest rate on the loan, the Preferred Credit Inc. rep said he does not know, and that I will find out later. I pressed on him several times to disclose the loan 's interest rate, but he will not disclose it. Besides, the invoice they send via email does not provide interest rate, interest amount, not even account number on it. I saw some numbers on my bank account description and I assumed it was the loan account number. I called their customer service and asked again what is the interest rate I pay on the loan every month since XX/XX/2020, and the rep, who is a different person from the one I talked to at the time of signing the loan, will not tell me but I managed to get the interest amount from her. Out of a monthly payment of {$99.00}, {$64.00} was charged as interest amount for XX/XX/2020. Suspecting that the interest rate will be so high and they failing to fully disclose the interest rate to me, i requested to sign-up to their online portal. The rep sent me a link to sign-up ; after clicking on the link and having several error webpages, I got a way around it to sign-up to their web portal ; and confirming my suspicion, the interest rate was as high as approximately 22 %. Had this interest rate was disclosed to me at the time of signing up for the loan, I will not take this loan. The interest rate is outrageous and I am therefore filing a complaint for failure to fully disclose material information that will help me, a person of sound mind, make a reasonable decision ; especially when I requested for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
show tooltip button CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc

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 2020-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
show XXXX  button XXXX  XXXXDispute XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX filed ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} USDOEXXXX {$23000.00}

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 2020-06-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} USDOEXXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX a letter asking for verification of the debt that they say I owe. No reply was ever received back from XXXX. where is the signed contract that shows I ever had a contract with the original creditor of Amazon. It is well pass 30 days, I ask that this negative fraudulent account be deleted from my credit report ( s ). They are in violation of FDCPA

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 2020-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In XX/XX/2020 my credit score went down 51 points on XXXX XXXX and 69 points in equifax. This is strange because I have no new accounts and all my credit cards have been paid on time. I have called XXXX XXXX but they have been very difficult and were not able to explain why my credit went down by this huge sum. I am worried because my credit has never went down this much for no reason. Equifax does not have an option for me to dispute my charges making it hard. No one can answer my question and it is proving to be frustrating. I am tired of not getting an answer or being told something generic and off the script. My credit has been reported falsely and I want to know why and I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: LoanCare, LLC
State: IN

Complaint narrative:
today, XX/XX/XXXX, I spoke with XXXX/ Loancare about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or XXXX. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a brain injury that has affected my memory.

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 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have talked to XXXX, Transunion, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.

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 2020-06-22 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: LA

Complaint narrative:
I have talked to XXXX, XXXX, and Experian and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.

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 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I filed a dispute with Citibank regarding a charge for {$5700.00} to XXXX XXXX XXXX XXXX in Kentucky. The business installed the upholstery on a classic car. The job was so badly done that within three months the headliner came down, the seams were coming apart, the rubber seals were coming unglued. I informed Citibank that I was disputing the charge in XX/XX/2020. The bank removed the charge from my account while they were investigating. In early XXXX, the bank resolved the issue without informing me of their decision. I called them and sent documents and receipts and photos to support my dispute. I sent them emails and etc which they did not respond to except to call me on the phone that my balance was past due. The bank has also put the disputed amount plus interest and late payment penalty to my account. This was done without resolving the issue at hand. I kept calling the Dispute Department and each time, the phone goes dead. No one answered my call. However, I received another message by email saying that the dispute is still open and so, I replied insisting that they remove the charge from my account along with the interest and late payment penalty. 

In the meantime, I photocopied photos of the shoddy work and the messages that the business and I have exchanged from the time my complaint against their workmanship to the present and sent these documents and photos and receipts by mail to the bank. I am hoping that they have received these documents since they have not obviously read or even viewed the photos that are so evident of the work that was performed on the car. 

I am still waiting. I am attaching copies of emails that the dispute department and I have exchanged in relation to this dispute.

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 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC no longer allows funds to be linked to XXXX for stock trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
Original Debtor was medical, with Dr. XXXX of XXXX XXXX. Two different collection agencies are listing the debt on my report, resulting in a double posting for the same debt. All XXXX XXXX debts were forgiven me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
When my mortgage transferred to from one lender to PHH mortgage. They failed to escrow all my current taxes ( village tax ). That were already escrow. I have called multiple times and finally got someone to look into it. Now they are calling me and refusing to ID the company they are calling from when directly asked multiple time. I was only able to find out what company they were calling from based on reversing the phone number on XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX {$850.00} XXXX {$430.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$12000.00} XXXX {$2000.00}

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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Tri-Emerald Financial Group, Inc.
State: CA

Complaint narrative:
I applied for a refinance through LendPlus back in XXXX. The refinance was on a 4-plex that I own. I waited till the end of XXXX to get an appraisal done, and then the COVID shutdown hit in XXXX, and my application was turndown by underwriting. LendPlus did not communicate this to me till XXXX. LendPlus started the underwriting process over and I supplied additional supporting documentation in XXXX and XXXX. I was told that my application was approved by underwriting, but was asked for copies of my leases on my 4-plex. I live in one unit, so I supplied three lease agreements. Two of the three lease agreements are expired and are now on month-to-month lease agreements. The XXXX  do not intend on renewing their leases. LendPlus has indicated that the investor has issues with the lease agreements that are month to month ; consequently, as of XX/XX/XXXX, my refinance is not closed. I started this process late XXXX, and five months later, my loan still has not closed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I have submitted several disputes to XXXX  in reference to a paid Medical collections debt in the amount of {$340.00}, that continues to be listed as in collections and unpaid on my credit report. My last attempt was to resolve this matter was on XX/XX/XXXX. I received notice that the investigation was completed on XX/XX/XXXX. The account remains listed as unpaid. This debt was being paid through my state income tax garnishment. According to my record from the SC Department of Revenue, an amount of {$370.00} was paid to XXXX XXXX XXXX XXXX in XX/XX/XXXX. 
Please note that XXXX XXXX XXXX XXXX was renamed to XXXX XXXX. 

I have attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Account with Bank Of America HELOC states late payments where there was never one. 
Payment History is incorrect, and I am requesting that this item be deleted in order to adequately reflect my true credit history.

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