vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly late payments on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account was included in a bankruptcy years ago and has recently appeared on my credit report. This account should not be reporting at all. It is a violation of the Fair Credit Reporting Act to report inaccurate information and this line item needs to be removed from my credit report. I have contacted XXXX XXXX XXXX XXXX XXXX as well as the ( 3 ) bureaus to remove this item however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly late payments on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account was included in a bankruptcy years ago and has recently appeared on my credit report. This account should not be reporting at all. It is a violation of the Fair Credit Reporting Act to report inaccurate information and this line item needs to be removed from my credit report. I have contacted XXXX XXXX XXXX XXXX XXXX as well as the ( 3 ) bureaus to remove this item however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 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: AR

Complaint narrative:
I been trying to get insurance on my vehicles for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

US DEP ED XXXX {$5700.00} XXXX  XXXX {$14000.00} XXXX XXXX   XXXX {$240.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$400.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$640.00} XXXX XXXX {$170.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$640.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had problems with credit freeze, lost income, law investigations concerning covid19 7 year fraud alert, identity theft being detained had requested covid19 test kit they said they were out of test kits and I had to wait after all sick people my insurance covers test until XX/XX/XXXX they haven't sent my test kit yet was concerned about lost income, abuse and want to be out of their investigations.

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 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I conducted a debit card transaction in the amount of {$19000.00} to restore my vehicle after numerous disagreements between myself and the company which was XXXX The project was canceled and I was issued a refund on XX/XX/XXXX. Initially chase bank credited my account in the amount of {$19000.00} however after that and a few days later They re-charged my account in the amount of {$19000.00}. I have a return receipt from the merchant and Chase still refuses to re-credit my account.I have made numerous attempts in trying to contact Chase to resolve this issue however all my efforts have had negative results

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 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: GA

Complaint narrative:
My Federal Student Loans were discharged under President Trumps, XXXX XXXX XXXX XXXX XXXX, XXXX Veteran Loan Forgiveness Program on XX/XX/2019. XXXX  and Equifax are still reporting these accounts with an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have an auto loan with Capital One. I was set up on a payment plan in XX/XX/XXXX, to catch up on two or so past due payments. I was told that my loan would become current in XX/XX/XXXX. I made all payments as scheduled. 

The most recent payment I made was on XX/XX/XXXX, of {$530.00}, for my XXXX payment due XX/XX/XXXX. Today I received an email from Capital One starting my loan is 12 days past due, with a payment due XX/XX/XXXX, of {$520.00}, along with late fees of {$130.00}. 

Capital One can not give me a satisfactory answer for why my loan is showing past due, nor for why I owe any late fees, as my last few payments have all been made on time. They have also blocked access to my online account, so I can not login to their website to view my auto loan statements. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2020 we received a letter from the County of XXXX XXXX XXXX Tax Collector notifying us that we owed {$6900.00} in past due property taxes. We were perplexed since we have an impound account and our mortgage company PHH Mortgage is supposed to be paying them. Since XX/XX/XXXX, we have spoken to customer service at PHH 4 times, we have faxed a letter with the bill from the county 3 times and have emailed them twice. We can't talk to anyone in the tax department, and customer service has told us various things : that they mailed {$500.00} to the wrong county ( XXXX XXXX ) and were waiting for the money to come back ; on XX/XX/XXXX they told me they had mailed {$2900.00} to XXXX County ( XXXX County Tax acessor never received it ) ; Customer service has promised they will have the PHH tax department call the county directly and then call me, and they have done neither. Every time we call customer service we speak with a nice person with a foreign accent who can't locate our numerous faxes and promises to have the tax department look into it and call us back- and then we hear nothing. We are beyond frustrated!

At this point we are refinancing to get away from PHH but can not finalize the refinance since we now owe {$7000.00}. in past due taxes that need to be paid first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: OR

Complaint narrative:
I was in the middle of refinancing my home and waiting for XXXX taxes to hand over paperwork when I discovered that XX/XX/XXXX when my mortgage changed who was handling our billing process stopped reporting to any of the credit bureaus. Not one payment has been late. All payments processed monthly. The credit reports show my mortgage was paid off and closed due to the forced change to who handles the billing process in XX/XX/XXXX. That was reason company said the change was happening for. From XX/XX/XXXX to current no data is reporting even though I still have a mortgage with them but they changed from XXXX XXXX to XXXX XXXX XXXX XXXX. They are required by law to report this information. My credit score decreased by over 100 pts due to this and now I am unable to refinance. The change to refinance was saving me {$500.00} a month. That is a huge necessary change I needed to do to help offset my business expenses to keep us floating while we are dealing with Corona Virus and financial strain. Not to mention having my score lower decreases other loan changes I may need to do. I have contacted the company 5 times and asked for a supervisor. Every time told they would escalate it but I have never received any response. I get that less people are working but this has been since XXXX. My doors to my office are closed but I am still required to work by phones just like the mortgage company is doing. There is no excuse that I am not getting a response. Not only do they need to correct this on all credit bureaus but I want to know how they fix that score that took a huge drop due to their paperwork mistake. The loan is under my name as primary and my mothers name as secondary. Both names need to report on our credit just like the loan has in the past with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I've contacted LoanCare about 5 times trying to have issue resolved. My mortgage was sold to LoanCare, they recorded the correct principal balance, but did not record the payment I had made to the previous loan servicer. I have been sent round and round with no one willing to correct my 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 2020-04-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: PA

Complaint narrative:
On XX/XX/2020 my card was used fraudulently. I called and reported this to Eppicard.com PA department. They cancelled my card, and issued out another one at no expense. I received the new card and activated it. Today XX/XX/2020 I called to check the status of my claim. The representative verifies my information ; then transfers me to another department for fraud. The rep XXXX who answered the phone, could not understand what I was saying ; then claimed the information did not match my social security number. Now keep in mind my information was verified prior to being transferred. I advised that my info is correct ; he stated " sorry ma'am I have closed your card '' and you have to provide proof you are who you say you are. I stated my maiden name is on this card and my drivers license has my married name. He stated I would have to show divorce papers. I have not divorced, how can I show this? He froze my card, I am unable to access my funds. They are unable to give me information, and refuse to say anything other than sorry. I have no job and this is the only funds available to me for my daughter. They are not trying to help me, and I am unable to use anything. It has been weeks since my first call to them about the fraud and they still refuse to assist. My $ is stuck in this pre-paid account. I want to report them for falsely closing my card, not wanting to listen to me verify any information and refusing to let me transfer my funds. 

They have no information and another deposit is on its way to this card and they won't allow me to use it. I have contact domestic relations of PA about this shady company. They also charge per call you make to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have worked at XXXX in XXXX via XXXX-XXXX XXXX  and received two checks for my wages for the first two weeks of XXXX then i deposited them to my bank account through the bank app. One day after i deposited the checks the bank ( BANK OF AMERICA ) closed my account and seized my checks without informing me or refunding me. I called their customer service number and asked them the reason, they told me the checks were forged. Then i contacted XXXX-XXXX XXXX and informed them about the checks they gave me. They said there was nothing wrong with their checks. Now bank of American besides closing my account but also do not refund me. I also went Bank of America at this address : XXXX XXXX XXXX, XXXX, TX XXXX, the manager looked at checks and said there was nothing wrong with them so i could cash them anywhere, then i cashed them XXXX, XXXX  also called me the next day and asked me to return the cash. I really need your help, please please please help me get my money back from Bank of America.

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 monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARKSIDE LENDING, LLC
State: IL

Complaint narrative:
I refinanced and after closing my first payment was due on XX/XX/XXXX. Prior to my first payment it was very confusing as I received multiple first payment letters. One to Parkside Lending and one from XXXX XXXX. I called both Parkside and XXXX XXXX  and XXXX XXXX  told me my payment was due to them. Over the last month my loan officer who has been helping me who is no longer employed by Parkside put me in touch with their servicing team. I have sent multiple emails and documentation. They are reporting to my credit report a 30,60, and 90 day late. At first they agreed to remove the 60 and 90 day late in which calls from the credit agencies to them have been denied. Even though I gave the a letter at the request of Parkside giving them authorization. In the documentation section I have uploaded my payment history. You will see payments made in XXXX, XXXX, XXXX to XXXX XXXX. There is no way Parkside can report me 30 days late for or later when I made payment in all three of those months. Currently they are showing my XXXX payment not paid. Parkside needs to remove all lates they are reporting to me credit and they are not being helpful. It is not my fault that I received multiple first payment letters. I received zero calls from Parkside during this time stating I was late or there was an issue.

Lastly I was told by my loan officer there are servicing transfer laws that should have protected me in this instance where they cant report me late due to their errors. This needs to be removed immediately.

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 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Bank has agreed as part of COVID-19 to : 1. Suspend payments on this account 2. not charge late fees 3. not report a past-due status to payment history, as late or missed payments, for this account to the consumer reporting agencies But Wells Fargo has not kept its promise and continue to report account as late with missed 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 2020-04-01 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: CO

Complaint narrative:
XXXX opened an acct in my name. I had attempted to get XXXX. The equipment was never set up properly. The installer was supposed to come back and pick up their equipment and never did. I discovered the acct was still set up fraudulently with a signed contract THAT WAS NOT SIGNED BY ME!! I then was contacted by one collections agency and they returned it to XXXX because I disputed the acct for fraud. Now a SECOND collection agency has added the acct to collections violating Fair Debt Collections Act. I have written several letters of dispute to all credit bureaus and they refuse to remove the account from my credit.

****This account was FRAUD, IT WAS WRITTEN OFF, and now sent to multiple collection agencies. **** *It was not my name signed to the contract and i was not notified of the 2nd collection agency violating my consumer rights**** *****The creditor is not the original creditor. acct was written off and sold to not 1 but 2 collection agencies. **** ****This account is from almost a year and a half ago and have bypassed their allotted time frame to add this to my credit reports. ***** The original creditor received amounts back on tax returns for losses. they are attempting to triple debt since this is now a 2nd collection agency that has attempted to collect this debt!! IT IS AND HAS BEEN A FRAUD ACCOUNT!! XXXX states I am liable simply because there is my name signed on this alleged contract and refused to investigate after I offered them proof of my signature.

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 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2020, I opened a new checking and savings account with Huntington Bank in the branch with a banker named XXXX. Before I left the branch, I deposited {$400.00} in cash. 
On Monday XX/XX/2020, I activated my XXXX service through the mobile app. I received a payment from my Mom in the amount of {$670.00} for my rent. A coworker of mine purchased a phone case for me and I needed to pay her back. The recipient also banks with Huntington Bank and she activated her XXXX service through her mobile app as well. I sent her a XXXX payment for {$6.00}. 

Later that evening, I tried to log into my account via the mobile app and was told that there was suspicious activity on my account and I needed to change my password. I attempted to change my password 3 times and received an error on all 3 attempts. I was then sent an email stating that my XXXX payment for {$6.00} was suspicious and I needed to call in to reset my password. 

On XX/XX/2020 I spoke with customer service and was advised that my account was suspended/on hold until I went into the branch and verified my identity. I went to the branch at XXXX EST and provided a copy of my ID to XXXX and was told the hold should be cleared. I called customer service back at XXXX and was told there was no updates about when my account would be cleared. I asked why over {$1000.00} was being held when there was only a suspicious transaction amount of {$6.00}. They could not provide me with an answer. 

As a result of this hold, I am not able to pay my rent, and in addition to the limited funds I have as a result of the pandemic I am being severely aggrieved by the situation. I advised this to the customer service team on my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
Fact, Simon Agency in is in violation of the following sections of 15 USC 1692 : 1. 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 1 ) 4. 1692d ( 2 ) I have attached all exhibits to prove they are in fact in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AR

Complaint narrative:
I been trying to get insurance on my vehicles for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

US DEP ED XXXX {$5700.00} XXXX  XXXX {$14000.00} XXXX XXXX   XXXX {$240.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$400.00} XXXX  XXXX {$130.00} XXXX  XXXX   XXXX {$160.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX  XXXX {$640.00} XXXX  XXXX {$170.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$640.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$19000.00}

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 2020-04-01 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 been trying to get insurance on my vehicles for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

US DEP ED XXXX {$5700.00} XXXX  XXXX {$14000.00} XXXX XXXX   XXXX {$240.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX {$170.00} XXXX XXXX XXXX {$550.00} XXXX  XXXX {$640.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$19000.00}

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