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: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im trying desperately to fix my credit score. Im a XXXX  veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, XXXX  and XXXX XXXX, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.

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 status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I have called Hyundai numerous times to try to have my lease account closed and updated on my credit report and my husbands credit report. I have also contacted the credit reporting agencies. I traded my XXXX Hyundai XXXX in on XX/XX/XXXX. They sent me my final bill on XX/XX/XXXX I made the final payment in full and they cashed my check on XX/XX/XXXX. I have called Hyundai and my husband has called numerous times and they keep saying they will submit a request for it to be closed and send a paid letter to us as well as update both of our credit reports. Both our reports are not updated and they are reporting zero information at this point. I have been hung up on and my husband has escalated this to a manger XXXX on XX/XX/XXXX he claims this would be corrected. My husband called again today XX/XX/XXXX and spoke to another manager XXXX and she said the account is still open and put another request In and nothing else she can do to help us. I have enclosed a copy of the final bill they sent me and a copy of my checking account where they cashed my check for that amount.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good afternoon, Someone took money from my Wells Fargo checking account using two ATM machines. I filed a dispute and received a new debit card ( Claim # XXXX XXXX I assumed that, since Wells Fargo was sending me a new card they acknowledged there was a fraud, otherwise there would not be a reason to think the old card was not good to use. 

I called the bank on XX/XX/2020 and some specialist called XXXX answered with an arrogant and rude attitude. He kept raising his voice and interrupting me and told me that I was the one using the card to retrieve the money, practically calling me a liar and a thief. Since I insisted, he then kept me on hold for 30 minutes, just to come back to tell me what he and the previous guy I spoke to, had told me before : that the dispute was denied ( I have a screenshot of the phone call waiting time ) I also asked him to check the cameras to verify it was not me the one retrieving the money but he did not do that and instead he kept telling me that I was the one taking the money because I was the only one who had the ATM card. 

I've been a client of Wells Fargo for more than 20 years, I have a checking, a savings accounts and my business account was being processed but now I just want to close all my accounts and have Wells Fargo giving me back my money. 

Thank you for your attention, I really hope you can help me with this uncomfortable situation. 

XXXX XXXX XXXX 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 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
AMEX Removed my {$50000.00} credit limit and put me on Monthly Full Balance payments on XX/XX/XXXX. I have been a Platinum Member for 19 years with an excellent payment history. I Went to my statement to extend my Balance over time to give me some help during Covid Lockdown and learned of this change to my account. AMEX customer support could not tell me why but I subsequently found an email in my junk folder telling me of the change. Due to a change in my credit report. How is this legal? Pull my only access to short term credit ; in the middle of a lockdown ; with a Stellar Payment history ; WITH AMERICAN Express! Happy to pocket the profits for 19 years! Im sure the answer I get is : Sorry ; they are a private Co and could do what they want! Just once ; maybe do the right thing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I paid my two months mortgage amount of {$3300.00} ( XX/XX/2020 ) and {$3300.00} ( XX/XX/2020 ) to my lender ( Stearns Lending - XXXX XXXX ). Then I also received another payment notice from XXXX XXXX   that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from XXXX XXXX. How did my confidential information got transferred to XXXX XXXX? When did my loan was sold? 
My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
SLS - Specialized Loan Services - a XXXX XXXX lender served me with foreclosure paperwork dated XX/XX/2020. Ive been advised that the CARES act stops foreclosures after XX/XX/2020 until 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 2020-05-08 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: EQUIFAX, INC.
State: AK

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Files are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I have repeatedly disputed the CONVERGENT OUTSOURCING attempted debt collection of {$310.00} on a XXXX   XXXX  account. This collection is from a XXXX XXXX account that was paid in full upon termination of service. The final bill in the amount of {$160.00} was paid through XXXX XXXX online bill payment via EFT on XX/XX/2018, which was received by XXXX XXXX on XX/XX/2018. This debt is due to a clerical error by XXXX XXXX failing to apply the final payment to the account. The account was then sent to collections with heavily inflated fees which brought the amount to {$310.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a Bankruptcy that is showing on my credit report and I have tried to have the information removed and nobody has responded to 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am waiting for the Coronavirus stimulus check to be deposited into my PayPal account. The IRS website states that the money was deposited into my PayPal account on XX/XX/2020. It is now XX/XX/2020 and I still haven't received the money into the account and PayPal has NO customer service right now due to the epidemic. I can't reach ANYONE!!! WHERE IS MY MONEY?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I HAVE NO CONTRACT OR DEBT WITH THIS COMPANY THIS IS MY 3 TIME REQUESTING THIS DEBT OPENED DUE TI IDENTITY FRAUD REMOVED. THIS IS NOT MY ACCOUNT, I REQUESTED A COPY OF THE ORIGINAL CONTRACT WITH THEM OR THEIR CLIENT WITH WET SIGNATURES ONLY NEVER RECEIVED THE INFORMATION REQUESTED. I AM DEMANDING THIS ACCOUNT REMOVED FROM MY CREDIT NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Good afternoon, I sent my right to cancel in on XX/XX/202 at approx. XXXX XXXX/L to the message center and to XXXX XXXX the following week I received a check from XXXX XXXX XXXX. I began to reach out and find why I received the check and what they wanted me to do with it as I had canceled the refi process. On Monday the XX/XX/XXXX I called Freedom Mortgage and spoke with a XXXX XXXX. I explained my situation to XXXX he informed me that he was reaching out to XXXX and his supervisor and would call be back. On Wednesday  XX/XX/XXXX I called Freedom Mortgage and spoke with a XXXX XXXX. I explained my situation to her and informed her who I spoke with she said she was look into it and get with a supervisor and would call be back that day. On Thursday XX/XX/XXXX I called Freedom Mortgage to get a status update and XXXX happened to answer the phone again. We had a discussion as to what was going on and why he didnt call back. I asked to speak with a supervisor and was transferred to XXXX XXXX. I explained to XXXX the situation she said she would call me back within 24hours to give me a timeline I waited approx. 28 hours before I tried to call her back on her direct line, she provided to me when we spoke. The call was not answered I left a voicemail. I received an email from XXXX XXXX on XXXX and approx. XXXX/L had no update on timeline for correction. I called XXXX XXXX direct number on XX/XX/XXXX as I have not heard anything with no answer. I then call the customer service number on the website and ended up getting a phone number for management team. ( XXXX ) XXXX XXXX, the number provided hangs up as I was not provided a state code. I called back after googling a state code and was told I had the wrong department. I was transferred to customer care spoke with XXXX ( XXXX ). XXXX said he sent my information to XXXX XXXX but she was in a meeting. XX/XX/XXXX approx. XXXX/L I have not heard back from anyone at Freedom Mortgage, logged into website no changes indicated there. They have had ample time ( 10 business days since I made them aware 23 days since loan funded after XXXX filed ) to provide a timeline and or correct the problem. No communication initiated by Freedom next step file complaint with CFPB.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a Bankruptcy that is showing on my credit report and I have tried to have the information removed and nobody has responded to 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
As one who pays my credit card bill in full every month without fail, I was surprised to see a notice for " EBill 's due '' with an amount of XXXX $ and a due date of XX/XX/XXXX. What makes it so confusing is I payed the full bill of XXXX on XX/XX/2020. The website would appear to be baiting those who have paid already into paying twice. It is very deceptive. 

I called into Bank of America and was told by the agent that it was a feature that I would want as a BoA customer. No, it is not and it appears to be a deliberate attempt to confuse consumers. I asked that they would fix it in their system and they told me that they can not. 

XXXX XXXX XXXX XXXX XXXX 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 2020-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
Due to the economic impact of COVID-19 ( coronavirus ), XXXX XXXX is implementing measures to ensure the financial stability of the company. The current pandemic situation has impacted our business significantly, and as a result, we find that we must make some difficult personnel decisions. 
Effective XX/XX/2020, XXXX XXXX is implementing a temporary furlough of certain nonessential positions. This notice is to inform you that your position is included in this furlough and as such, you are being placed on a temporary, unpaid leave of absence effective, beginning XX/XX/2020. The length of this furlough is currently unknown. It is important to note that your employment continues to be at-will and nothing in this notice or other furlough communications is intended as an express or implied contract. 
You may be eligible for unemployment benefits under these circumstances. Contact your local unemployment office for information on eligibility and applying for unemployment benefits. Present this letter to your local unemployment office as evidence of your employment status. 
XXXX XXXX will communicate with you regularly during this period. If your personal phone number, email or mailing address has changed recently, please provide your current contact information to human resources immediately. Please feel free to contact human resources at XXXX or ( XXXX ) XXXX ext. XXXX with any questions. 
If you find alternate employment during this period and do not intend to return to work at XXXX XXXX, please notify human resources immediately of your voluntary resignation.

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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Several credit card companies have lowered credit limits without warrant or late payments. 
XXXX XXXX American Express XXXX Lowering available credit, without just cause, is also lowering ratios, which are lowering my credit scores. 
I have a woman owned small business ( XXXX XXXX XXXX XXXX XXXX ) I can not run my business without credit. 
I was disqualified from a lease of a dishwasher from XXXX XXXX XXXX. 
I dont think that credit companies, should lower my available credit, Without just cause. 
This is directly causing me ill affect to being able to run my restaurant. 
The declined lease was of my credit score from XXXX to XXXX, For no cause of my own. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I would like to dispute the charged off account established by Nissan Motors Inc., dated 2017. I was a co-signor and unaware of such a charge off. The vehicle company never reached out to me regarding the account whatsoever.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
received a BUSINESS CREDIT CARD from XXXX XXXX ( account # XXXX ) card is used for corporate expenses only!!! equifax has put this on my CONSUMER REPORT ( this is not about any delinquent payments or anything negative ) it just doesnt belong on my CONSUMER REPORT!! this has dropped my credit score substantially!! it belongs on my business 's credit report not my personal report!! XXXX has already deleted this from my report - equifax should do the same!! 

this card was obtained through my corporation!!!

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: OH

Complaint narrative:
I am XXXX XXXX. I know for sure I am being CHEATED out of a decent credit scores due to MASS UNAUTHORIZED Inquiries that have impact my credit scores. These are inquiries made by companies with whom I have NOT applied for a loan or credit. I do not think its fair to ruin my credit score whereas these unauthorized inquiries remain on my credit file for up to 2 years. I need to know to whom do I contact to have mass unauthorized inquiries removed at once. I refused to be a victim of all credit bureaus that powers over their decision to leave these unauthorized inquiries on my credit report when I have for the last 6.5 years has worked my XXXX off trying to maintain decent credit and or credit scores? and allow something to hold me back while trying to purchase a condo. 
I have spoke to a local attorney who has informed me that if I did not go into to these companies and or speak to any of these companies to authorized them to run my credit file then all fraudulent inquiries must be removed from my credit reports at once. 
I mean all credit reports. transunion, XXXX & XXXX asap. I have no ideal how these companies I am posting in this complaint got a hold of my social security number. anyways if its not me then all inquiries must be removed. I have also sent hard copy US mail & email process to United State Attorney General 's office, Congressman XXXX XXXX. This must stop it ruining peoples opportunities to better themselves. How can this happen if you have never been in their face and or phone call and or place of business

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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am XXXX XXXX. I know for sure I am being CHEATED out of a decent credit scores due to MASS UNAUTHORIZED Inquiries that have impact my credit scores. These are inquiries made by companies with whom I have NOT applied for a loan or credit. I do not think its fair to ruin my credit score whereas these unauthorized inquiries remain on my credit file for up to 2 years. I need to know to whom do I contact to have mass unauthorized inquiries removed at once. I refused to be a victim of all credit bureaus that powers over their decision to leave these unauthorized inquiries on my credit report when I have for the last 6.5 years has worked my XXXX off trying to maintain decent credit and or credit scores? and allow something to hold me back while trying to purchase a condo. 
I have spoke to a local attorney who has informed me that if I did not go into to these companies and or speak to any of these companies to authorized them to run my credit file then all fraudulent inquiries must be removed from my credit reports at once. 
I mean all credit reports. XXXX, XXXX & equifax asap. I have no ideal how these companies I am posting in this complaint got a hold of my social security number. anyways if its not me then all inquiries must be removed. I have also sent hard copy US mail & email process to United State Attorney General 's office, Congressman XXXX XXXX. This must stop it ruining peoples opportunities to better themselves. How can this happen if you have never been in their face and or phone call and or place of business

Company response to consumer: Closed with explanation