vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 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 — Problem with personal statement of dispute
Company: LoanCare, LLC
State: MN

Complaint narrative:
I recently sold my home due to a divorce and closed on the property on XX/XX/XXXX. I am in the process of trying to purchase a new home and had a credit report run to see what I qualify for. The report came back with a late payment showing in XXXX, XXXX, and XX/XX/XXXX. I do not understand the late payments that were reported to the credit bureau in XXXX and XX/XX/XXXX as the loan was paid in full on XX/XX/XXXX ( I have wire transfer confirmation ). 

Loancare took over my previous mortgage with XXXX, as XXXX went bankrupt. The change took place and paperwork was sent out in XX/XX/XXXX. I tried to make a payment for XXXX, but Loancare was working on setting up the new account and said there was a 60 grace period, so I sent my payment to XXXX thinking this would be forwarded to Loancare because I did not want to miss a payment ... this never occurred, so my payments were always a month behind. I was in close contact with Loancare monthly and kept them up to date on the progress of the sale of the property. I was always told that everything on the account was fine and to let them know when the sale happened, which I did. I have dates of payments made on the account from XXXX XXXX ... they are as follows : XXXX- {$450.00} posted on XX/XX/XXXX and {$450.00} posted on XX/XX/XXXX XXXX {$450.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX transfer was made on XX/XX/XXXX for full remaining balance. 

I had reached out to XXXX XXXX/Loancare early XX/XX/XXXX to let them know about the incorrect late charges on my credit report and I had to escalate a dispute to the credit department per email, which I did. I was told I would have an answer the end of XXXX, which I did not. I called several other times to speak with the credit department, but apparently they do not take calls or have a phone number. So, I finally spoke to a manager that said I may not have an answer until the end of XXXX, which was true. I received a letter on XX/XX/XXXX that said the dispute was reviewed and the info submitted to the credit bureau was accurate. I immediately called back to discuss and again, no way of speaking with anyone. This has affected my ability to purchase a new home as I can not have three late payments reported. Again, I can understand the report as late for XXXX because of the missed applied payment, but not for XXXX or XX/XX/XXXX as the loan was paid in full on XX/XX/XXXX. Can you please assist? I would greatly appreciate the help!

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Requested an NON E-OSCAR reinvestigation in a dispute filed against XXXX XXXX XXXX XXXX  ( acct. # XXXX ) on XX/XX/XXXX, on XX/XX/XXXX Trans Union claim they finished the dispute process, in one day.I find it hard to believe they contacted the company outside its E-OSCAR system and received results in one day.Current litigation was resolved with this company and a NEW UNIVERSAL DATA FORM was submitted, but Trans Union continues to violate Federal statues simply parroting its E-OSCAR system.

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 2020-05-08 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: NY

Complaint narrative:
These accounts are unauthorized and unverifiable and is damaging my overall credit profile.

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 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting a complaint against Portfolio Recovery which is a third party company who has purchased an inaccurate collection list from XXXX XXXX. They are reporting to XXXX, XXXX, and XXXX  that I owe there company XXXX on an account that is not my account. They are in violation of the Fair Debt Collection practice Act section 807-8 because they have no competent evidence bearing my signature showing I am contractually obligated to pay this debt. They are also in violation of the fair credit reporting act section 623-b.  for defamation, negligent enablement of identity fraud violation. They are also trying to collect funds from my social security benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was issues the Bank of America government card for my unemployment. I certified 4 weeks of unemployment and every time I received an email from the department of labor stating that my funds were in my Bank of America card. I kept having a XXXX balance on my card until i finally got tired of waiting and changed my payment method to direct deposit. However I am still owed for those previous 4 weeks. I called Bank of America and no one picks up the calls. Please help.

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 2020-05-08 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: AK

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Information is Attached.

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 2020-05-08 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: CA

Complaint narrative:
XXXX  and Experian are reporting a {$1800.00} balance on my XXXX   XXXX XXXX  account. This balance was forgiven and XXXX XXXX issued a 1099-C form CANCELATION OF DEBT. Since the creditor canceled the debt and forgiven the balance it shoul be reported as XXXX since I don't owe money to them anymore. 
I disputed the account to these credit bureau companies but they just ignored my request. I would like to know the reasons why they ignored my request.

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 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
Earlier this week, I received a letter at my apartment in XXXX regarding a " Notice of Assignment to a Collection Agency '' of an amount owed to New Jersey XXXX-XXXX. 

1. I have never received even a first notice of a bill owed so assigning to a collection agency is an exaggeration.

2. The collection agency is collecting for a toll of " {$1.00} '' an amount due of " {$51.00} '', inclusive of a {$50.00} " Admin Fee ''. In addition to the above, they add on an additional " {$4.00} Convenience Fee '' 3. I have in effect left my residence in Florida late XXXX ( 2020 ) in pursuit of an opportunity in the northeast and only moved into a new residence on XX/XX/2020. 
4. All of my mail was forwarded and I've received and paid other bills and tolls as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Victim of Identity Theft. I already have a personal loan account with XXXX XXXX XXXX  ( XXXX ) and the account number is XXXX. On XX/XX/XXXX XXXX without my authorization transferred XXXX $ s to my XXXX ( XXXX ) credit card and XXXX $ s to some account in XXXX. I never heard this organization XXXX. I leant about this activity when XXXX called me sometime in XX/XX/XXXX. Then i started disputing. I did not even realize that they transferred XXXX $ s to my XXXX CC. Sometime in XX/XX/XXXX XXXX gave me XXXX number of XXXX. I called them, they searched their data base with name, SSN etc. and they could not find any. XXXX wanted Routing ID and first 3 digits of account which they did not give. I reported to XXXX   and XXXX and they closed this account. Equifax is investigating. Sometime in early XXXX i consulted a Lawyer. As per my lawyer 's advise, following good faith tender agreement made XXXX $ s as FULL and FINAL payment to XXXX as XXXX $ s came from them. Even though i did not authorize i made this payment and they accepted. They deposited the check. Now they are coming after me for the remaining XXXX $ s which they ( XXXX ) themselfs don't know where they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
1st Franklin Financial - XXXX XXXX, GA ( 3 ) 1st Franklin Financial - XXXX, GA ( 2 ) 1st Franklin Financial - XXXX, GA ( 1 ) My approved loan was transferred to this location on XXXX. It was done by XXXX XXXX, Regional, after I had problems with the XXXX, GA office location. 

I have been in constant contact with XXXX XXXX. I had to submit my documents only. It was approved. 

XXXX XXXX contacted me on XXXX20 later in the day and said that the loan was not approved. Same company I was discriminated against and given incorrect information. XXXX XXXX tried to change her involvement after I was denied at the XXXX XXXX, GA location. 

This is my complaint. 

This company has denied my approval. I was approved in XXXX, GA. 

This company is SHADY. Seek legal advice and know your rights.

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 2020-05-08 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: OH

Complaint narrative:
i had a mortgage with XXXX.i got a letter from them in XXXX, saying they were gon na sell my loan to XXXX  XXXX.i did online reviews of there company, and decided i don't want any part of them.so i paid the mortage off on XXXX.i sent a cashiers check, i got the letter from XXXX saying paid in full i got an alert from XXXX  credit bureau XXXX XXXX saying my credit score went from the 800 '' s to the six hundreds.so after investigating, XXXX   XXXX  said they hadn't received a payment in 120 days.the credit bureau report said , amount owed XXXX, amount paid XXXX, after all of this XXXX  admited that it was a mistake.but they want me to send them a letter asking for them to remove it from the credit bureau.i said '' u just told me it was a mistake '' and now u want me to ask u to please remove it!!!, after the hard ship i have been through!! but i did send them the paid in full letter from XXXX, a copy of the cashiers check last week.i called them today XX/XX/XXXX, they said they had received my documents, and do u believe they still want me to send them a letter requesting them to remove it from my credit report!! i said, wait a minute, i'm the victim here, shouldn't you be sending me and apology letter!! i have allready the attorney general.they suggested i also contact u.

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 2020-05-08 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: CA

Complaint narrative:
I received an alert on my credit monitor that there was a credit inquiry made on TransUnion on XX/XX/XXXX. I accessed my Transunion credit report online, and saw a hard inquiry from a company that I did not recognize. I attempted to complete their online dispute processes, but there was no way to dispute this inquiry online. I contacted TransUnion, and they told me that I would have to contact the company first. Unlike other previous inquiries, I did not recognize this company and they did not have a phone number listed. The agent said that they did not have a contact number for them as well, and I would have to get a police report and then mail that along with a " Letter of Authorization '' to remove the inquiry. I asked if I could just upload this and was told that I had to mail it in as this was their policy to not accept online disputes of inquiries, citing a law and their policy. 
Nearly every item on my online credit report had an online option to correct : from addresses, to employment, to late reports -- except inquiries. The excuse that was given for no online dispute option was nonsensical, and TransUnion allowed a company to give very little information about themselves in order to access very much information about myself.

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 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Due to the COVID-19 epidemic, all eligible tax-payers have been sent Economic Impact Payments. I was able to enter my information on the IRS.gov site and IRS updated the " Get My Payment '' portal on XX/XX/XXXX stating the following, " We scheduled your payment to be deposited on XX/XX/XXXX to the bank account below. '' The bank account I submitted to IRS is attached to my PayPal account and as of XX/XX/XXXX XXXX PST I still have not received the funds. I contacted PayPal multiple times to check the status and their customer service support has been anything but helpful. Here are a few of the responses they have given me : " XXXX XXXX XXXX XXXX XX/XX/XXXX ) Thank you for the information, it typically takes 3-5 business days for the deposits to be processed by the IRS. However, I don't see any deposits in your account. 
I would suggest you to wait end of the day, If the funds doesn't reflect, I would suggest you to check with the IRS. '' " XXXX XXXX XXXX ( XX/XX/XXXX ) Hello XXXX! My name is XXXX and Ill be assisting you as XXXX is not available. I have reviewed the previous conversation and understand youre concern with regard to direct deposit. 
I appreciate you bringing this to our attention, so that we can deal with this immediately. 
It usually takes 3-5 business days for the payment to reflect on your PayPal account when IRS disbursed the funds. It's still 4th business day today. 
I would request you to wait until tomorrow end of the day and if you still don't see payment on your PayPal account then you can contact us back. '' " XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Hello XXXX! My name is XXXX and Ill be assisting you as XXXX   is not available. 
I would like to inform you that the IRS checks takes 5-7 business days to clear and credit it to you. 
Thank you for understanding in this matter. '' " XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX, it was sent to you on XX/XX/XXXX and XX/XX/XXXX is bank holiday, 2nd and 3rd are weekend. From 4th XXXX it is now 4th day today. Please wait it will be credited to you. '' " XXXX XXXX XXXX ( XX/XX/XXXX ) Sorry for the inconvenience caused, The deposits are worked in batches. Those batches are worked throughout the day and there's no real rhyme or reason to who ends up in what batch when. As soon as your deposit gets processed to us we deposit it to the account. This process is done throughout the day until the close of banking business XXXX XXXX Pacific Standard Time. '' At no time was I able to speak with a representative on the phone, raise my issue to a supervisor or gain any meaningful update about the status of the payment. I am going to be homeless in a few days and I really have no hope for remedying this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: AL

Complaint narrative:
On XXXX XXXX i sent all 3 credit bureaus certified mail disputes of inaccurate things on my credit report and i have not received anything yet over 45 days now. my understanding if a investigation take more than 30 days all inaccurate information must be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
I have been trying to work with my lender and my XXXX on completing a loan modification packet but they keep saying they are not receiving or clearing documents. 

They have advised several times that a manager would call back but no answer for almost 2 months now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
On XX/XX/2029 I a settlement on a debt was agreed on by Southwest Credit Systems and myself. The amount that was due was {$1100.00} and we settled for {$630.00}. I asked them would they remove my debt from the credit report which they said yes. Once I made the payment they informed me that a letter would be sent to me stating that I no longer was in debt to this company and that a settlement was made. I once again asked them would it be removed from my credit and they said yes but it would be 10 to 15 days. 

A few days after XX/XX/XXXX, I called them and someone told me that once I received the letter that I could send it to the credit bureau to be removed faster. 

Since then I have called several more times to delete my debt to Southwest or report the correct information to the credit bureaus so my credit can be cleared but they refuse. 

This has caused me many problems in moving forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: TX

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized activity on my chase checking account ending in XXXX, via debit card ending in XXXX. Below are the fraudulent charges and status of each. 

XXXXPOS DEBIT XXXX XXXX XXXX XXXX AL XXXX ( chase credited account still under review by chase ) XXXXPOS DEBIT XXXX XXXX  XXXX XXXX TX XXXX ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- XXXX. Chase stated this was delivered to my billing address, upon checking the tracking number this is not my billing location nor a location that I know anyone. Chase refuses to intervene further ) XXXXPOS DEBIT XXXX XXXX  XXXX GA XXXX ( chase credited account still under review by chase ) XX/XX/XXXX POS DEBIT XXXX XXXX XXXX  XXXX XXXX CA XXXX ( chase credited account, but company reimbursed amount after investigation closed ) XX/XX/XXXX POS DEBIT XXXX XXXX  XXXX WA XXXX XXXX ( 4 charges ) ( chase credited account still under review by chase ) I wanted to provide all information as most are still under review, but the one that needs immediate action is 04/12/2020-POS DEBIT XXXX XXXX  XXXX XXXX TX XXXX ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- XXXX. Chase stated this was delivered to my billing address, upon checking the tracking number this is not my billing location nor a location that I know anyone. Chase refuses to intervene further ). 

I have taken steps to secure my identity included changing passwords, ordering a new debit card etc. It is clear that fraudulent can likely be traced back to perpetrator who used my information on their XXXX account, this should help bolster my claim but instead I was accused of 1st part fraud with no resolution. Furthermore my account has never been compromised, its certainly not new and I have never had an issue prior. Its a bad first impression using their fraud services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08 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: AL

Complaint narrative:
On XXXX XXXX i sent all 3 credit bureaus certified mail disputes of inaccurate things on my credit report and i have not received anything yet over 45 days now. my understanding if a investigation take more than 30 days all inaccurate information must be deleted from my credit reports.

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