vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
my complaint is about blatant violations by LVNV/Resurgent and XXXX, XXXX and XXXX. I asked LVNV to validate a debt they have listed on my credit reports. The first letter I sent was in XXXX they sent a bill to me. I again asked them for proper validation and they ignored my request. Since then I have sent 4 other letters and got no response. I can provide the letters upon request. I then disputed with the credit bureaus using the factual evidence from my reports. Needless to say I found several violations and inaccuracies so I disputed those as well even so they continue to report with no regards for the laws. I will attach pages from my report so you can record these violations. Each bureau has been reporting different information which can't be accurate. such as trying to re-age an account, also moving an account to another area on my report. Changing a collection from open to closed then back open. XXXX even went on to say they were no longer reporting this LVNV account but it's still there. This account has been listed with consecutive Charge-Offs for 2 years straight as well as reported late and past due on this collection. See for yourself.They seem to think the laws don't matter. I can't be the only one they're doing this to. I could really use your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am looking over my credit report and for the past few months XXXX is the only company that show 's my XXXX 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as XXXX 's. I have provided a screen shot of XXXX showing I have a XXXX 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.

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 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
My problems began in XXXX when my only son XXXX  out of state. When we go home, my husband was diagnosed with XXXX XXXX. He died that year in XXXX. At that time my income was reduced to less than half, I was left only with survivor spouses share of his annuity. I also had a very small Social Security income due to my few years of working and I was a XXXX of a small XXXX XXXX. 
In XXXX I was put in the hospital as an emergency with a lump on the XXXX XXXX XXXX XXXX I was immediately put into intensive care for approx 6 weeks. Then I was declared a XXXX and put in a XXXX home until I could get someone to care for me in my own home. 
In XXXX of XXXX, I issued a power of attorney to have my fiances handled as I could no longer use my XXXX XXXX XXXX XXXX, I was XXXX. I also lost the XXXX   because we lived out of town and no one wanted to take over the business, even when I tried to give the business away. The business was closed and I lost that small amount of income from that business. 
In XX/XX/XXXX, my POA notified all my credit card companies, all my charge accounts, and Bank of America whom possessed my mortgage account at that time. The Bank of America was requested to close the account because of the health and financial changes. All these companies were notified of the change in health and income changes and advised that there was no money in the bank so they were asked to stop the automatic payments. Most of the companies did not stop the automatic payments and the bank refused to close the account because they said XXXX had to personally come in to close the account. I don't know how they expected a bedridden person without transportation to personally appear at the bank but they did. As a result of the continued automatic payments the bank account was drained dry. When the Bank was asked to close the account there was approx {$1200.00} in checking and {$400.00} in savings. The bank sued me for outstanding balance. That still has not been paid as I have no money. The XXXX XXXX XXXX knowing the circumstance turned my mortgage account over to XXXX XXXX XXXX. I have tried to get them to lower the interest rate of XXXX percent, the loan payment, refinance the loan, close the account without further payment due to the unscheduled health and financial changes which was outside of XXXX 's control. 
XXXX has lived in the home since approx XXXX and wished to stay there until she dies. She is elderly, XXXX and the only other options would be to be put in a state run XXXX 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 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
PHH Mortgage has continued to apply forced insurance to my account even though I have had continuous coverage for the 15 or more years that I have owned the property. I and my insurance company have provided them with proof of insurance and they keep ignoring it. They have recently started servicing my accounts and I have had problems with them on both mortgages that they service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: NY

Complaint narrative:
I notified transunion that I am a victim of identity theft

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 2020-05-26 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: FL

Complaint narrative:
I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted XXXX  about this issue and they told me they already fixed the error on their end and I would need to get in contact with Transunion, XXXX and XXXX about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..

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 2020-05-26 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX REPORTED TO THE CREDIT BUREAUS THAT MY ACCOUNT WAS 30 AND 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX, WHICH IS NOT CORRECT, THE ACCOUNT WAS CLOSED AND PAID IN FULL BACK IN XX/XX/XXXX, I NED THE CREDIT BUREAUS TO UPDATE MY CREDIT BUREAUS TO THE CORRET INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX REPORTED TO THE CREDIT BUREAUS THAT MY ACCOUNT WAS 30 AND 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX, WHICH IS NOT CORRECT, THE ACCOUNT WAS CLOSED AND PAID IN FULL BACK IN XX/XX/XXXX, I NED THE CREDIT BUREAUS TO UPDATE MY CREDIT BUREAUS TO THE CORRET INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-26 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: AL

Complaint narrative:
I HAVE TWO CLOSED ACCOUNTS TAHT ARE NOT MINE AND SHOLUD HAVE BEEN DELETED, EQUIFAX SENT ME DOCUMENTATION STATING THAT THEY DELETED THE INFORMATION, HOWEVER IT IS STILL SHOWING ON MY CREDIT REPORT. 
I NEED THE TWO ACCOUNTS DELETED FROM MY CREDIT REPORT/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: GA

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. THESE FRAUDULENT ACCOUNTS ARE CAUSING ME UNNECESSARY HARDSHIP. PLEASE INVESTIGATE THESE ACCOUNTS AND SEND ME AN UPDATED COPY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I was trying to refinance our XXXX in FL with AmeriSave. I was originally quoted a $ XXXX cash out refinance with and a buy down rate option. When I was sent the disclosures the Loan Officer, XXXX said he forgot to include the $ XXXX cash out but to sign the documents to get the loan started and he would make the amendment. I paid the {$500.00} deposit on XX/XX/2020, which was said to be refunded at closing. I then waited several weeks with no one returning my calls, I submitted documents they requested but could not get anyone to speak with or email me back.. I did continuously receive text messages from the company that were computer generated stating that if I needed help to reach out to my loan officer. After several weeks of no contact, XXXX finally called me to say the laws had changed and I could not get the $ XXXX cash out. I said okay then I do not want to move forward with the loan, please refund my {$500.00}. He said okay and let 's talk in the future if the laws change. I agreed and waited for my money to be refunded, which it never was. After multiple calls to XXXX he finally informed me my money would not be returned because an appraisal was conducted. I never received a copy of said appraisal nor would I accept this as the reason for not refunding the {$500.00}. The terms of the loan were never correct and I feel like I have been a victim of predatory lending and a bait and switch. I have called the company at least 10 times for help and no one will call me back.. I am asking to please have AmeriSave refund the {$500.00} to me immediately. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I keep getting emails for increasing my rewards that can be used as a statement credit at least twice a month. I activate by clicking link. Sometimes I get message I am already activated. I have accumulated XXXX points according to my statement. Every statement had showed an increase in points. I try to redeem but there is no option for statement credit. So I also tried to redeem for store and then my point drop to XXXX cents. I thought maybe it's me that I am doing something wrong so I have tried multiple times. I used contact link and said how do I redeem. I got email saying to use the link on website the same one that I did and could not redeem. I have other credit cards and I have had no problems getting points redeemed. I am really bothered that they try to keep me using this card by their numerous emails to activate for statement credits. This is a shop your way rewards card. This is deceptive and fraudulent advertising. Small print says terms subject to change but why keep sending these emails if the terms are not statement credit if not to keep deceiving me into using their card.

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 2020-05-26 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: NY

Complaint narrative:
I notified Experian that I am a victim of identity theft and they accused me of being a credit repair company/person. I am not a credit company, I am a person, human

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 2020-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This Amazon Store Card XXXX XXXX account was opened approximately one year ago under last four digit account number XXXX, then without consent the account was closed and a new account was issued under last four digit account number XXXX. The account sustained some concerns when the Synchrony Amazon card was being billed twice or not being properly balanced out correctly so after a few transactions were paid off, I opted to close the account and be refunded the {$100.00} deposit. When the {$100.00} deposit was not returned, I made a transaction for {$99.00} for a pair of XXXX XXXX XXXX  XXXX Shoes ( bicycle style ) size 6.5-7 ( 37 ) and I never received the product. This transaction occurred approximately one month ago from today ( XX/XX/2020 ). It was further attempted to open a new amazon account without a deposit but the initial reason for denial was because I already had an open account. As of today, XX/XX/2020, the denial from Amazon Store Card-XXXX after this account ( s ) were allegedly closed has not been disclosed but a denial was issued. Therefore, I did not receive the merchandise I purchased with the Amazon Store Card XXXX XXXX and deposit of {$100.00} ; being the XXXX XXXX XXXX  XXXX Shoes, I have not been refunded my {$100.00} used to initiate the card one year ago, and I was denied a non-annual fee Amazon Store Card without a deposit as of today XX/XX/2020.

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 2020-05-26 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a $ XXXX principal payment on my mortgage in 2019. Wells Fargo has done creative accounting and failed to credit my account for the proper amount paid. Instead they continued to charge my interest on the high balance. I have complained several times and then they tried to fix the issues, but continues to do creative accounting. To date I still have not received money back for interest paid nor is my balance fixed. They claim the money was used to pay taxes or insurance, which the $ XXXX was only to go towards the principal amount. This is not the first time Wells Fargo has done creative accounting on my account. I keep paying and my balance is hardly ever lower in the past 15 years. Forensic accounting needs to be done on my account and Wells Fargo should have to pay a penalty for doing this! If I am not pursuing this, Wells Fargo would get away with this fraud!!!!

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 2020-05-26 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To Whom It May Concern, I am looking over my credit report and for the past few months XXXX  is the only company that show 's my barclay 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as barclay 's. I have provided a screen shot of XXXX  showing I have a barclay 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.

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 2020-05-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am looking over my credit report and for the past few months XXXX  is the only company that show 's my XXXX 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as XXXX 's. I have provided a screen shot of XXXX  showing I have a barclay 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.

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