vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
First in XX/XX/XXXX I received an unemployment check that I did not apply for. I returned it. Then on XX/XX/XXXX I received a voice mail from the fraud department of XXXXXX/XX/XXXX( XXXX XXXX concerning a credit card application, reference number is XXXX ). I called a branch in XX/XX/XXXX on XX/XX/XXXX and he could find no record of my name or address. On XX/XX/XXXX I received an email from XXXX XXXX saying someone had an inquiry on my credit report. I looked and there was a inquiry from Capital One/Cabels concerning a credit card application with a XXXX phone number XXXX. I called and it went to a voice mail. On XX/XX/XXXX I received 3 more emails about another inquiry ( XXXX XXXX, XX/XX/XXXX and Capital One. ) I checked and it was for XXXX XXXX XXXX inXX/XX/XXXX. I contacted their fraud department. I spoke to XXXX XXXX ( XXXX option XXXX  ) and told him of the suspected fraud. He said a loan had been applied for under my name and ssn and he would alert the underwriters. He sent me an ID Theft Packet with forms to be filled out. I have my credit reports frozen and fraud alerts on all three. I have notified my banks of the suspected fraud and changed my logons and passwords. I have started filling out the ID Theft Packet and am filing a police report. Contacting you was a recommendation from my bank,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
equifax showing unknown payment history hurting my score FCRA viiolations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TN

Complaint narrative:
I paid off a debt in XXXX XXXX 2020 in the amount of {$600.00} and was told it would be reported in 4-6 weeks. I called the debt collector XXXX XXXX XXXX and they said it shows its been paid off but dont know why the bureaus havent reported the paid off status.

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 2020-12-10 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: NC

Complaint narrative:
XXXX  showing unknown payment history hurting my score FCRA viiolations

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 2020-12-10 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: NC

Complaint narrative:
XXXX showing unknown payment history hurting my score FCRA viiolations

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 2020-12-10 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I received a letter in the mail from XXXX XXXX indicating my application was not approved because " Unable to access credit bureau due to freeze or lock '' The agency listed was SAGESTREAM , LLC. 

I have no idea who this company is. I can not contact anyone at the number listed because it is just a recording. The website doesn't provide ANY information on how my info is collected and used to for credit inquiries. I have never contacted this company or any of its aliases to put a lock or freeze on my credit report. They are lying and providing false information to deny consumers access to credit. Most of these individuals are low-income individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have an account with Barclay 's Bank. During this pandemic I had lost some income due to loss of some work. I called barclay 's bank and was told I can go on a smaller monthly payment and lowered interest rate for 5 months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account 60 days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for 5 months. We weren't even near the 5 months. I made the payment they wanted and requested to please remove that 60 day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from XXXX  and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full 5 months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Subjects known as trans union require entire ssa number vs last 4 digits dob etc then with fraud reporting want a phone number as refuse too contact by paper mail company not supplying advertised services and allowing for things too be listed that doesnt even apply too credit reporting!

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
An erroneous item Bankrupty with on my credit report involving a judgment that the credit bureaus are claiming they verified through you. Federal Courts do not share this information with 3 Parties / Lexisnexis. Im aware such information is public information and they sold that information to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Ocwen Financial Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX I owed for the prior month XX/XX/XXXX and for the current month XX/XX/XXXX. On XX/XX/XXXX of XXXX I made a mortgage payment for {$1400.00} and on XX/XX/XXXX my XX/XX/XXXX payment posted on the amount of {$1400.00}. The result of these payments in XXXX of XXXX mean that we were current with our payments AS OF XX/XX/XXXX. All year PHH Mortgage has reported in error that our XX/XX/XXXX payment was 30 days late. As we are monitoring credit for improvement we were able to see the mistake and we went through PHH appropriate dispute department. They did an investigation and indeed agreed that the XXXX was ON TIME. They mailed a letter to our home and emailed to me as well in encrypted email the letter stating that the error was corrected on their reporting system and that XXXX, XXXX, XXXX, and XXXX would be informed. Using credit monitoring we are able to see that the information has NOT been updated and we were then told to dispute the negative reporting. We did this and XX/XX/XXXX we received notification that the XXXX day late for XXXX of XXXX was not corrected and that it was in fact verified with PHH. Confused, we contacted PHH and we were connected with an escalation specialist XXXX ( I have her direct contact information ) she asked me if we disclosed documentation with our dispute and I informed her that I had not seen a option to do so, she said that she could see the document from PHH and that it was a matter of time before the correction would be visible to the 3 credit reporting agencies. I then went back into my dispute area with XXXX Credit Reporting app and I was able to upload the documents provided to me by PHH verification that the XX/XX/XXXX payment was NOT XXXX days late and they would correct per their investigation. We were correct. PHH was reporting in ERROR! Today I received the results of the additional dispute and the XXXX day late payment for XXXX of XXXX has AGAIN been verified EVEN THOUGH!!! I spoke with PHH and I HAVE THE DOCUMENTS showing that it SHOULD BE CORRECTED. I will attached the documents from PHH. I would most certainly appreciate this information to be corrected. The late payment is effective our credit worthiness and we have gone the whole year paying that price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I used a 3rd party to book a vacation home for XX/XX/XXXX, a day before my arrival the " host '' informed me that I couldn't come because a current guest had a high fever and it was dangerous. I resulted in having to find a place to stay with my XXXX month old baby and XXXX year old last minute. When I asked the company for a refund since the " host '' cancelled on me, they deleted my account. Then I found out that this was part of a scam of the company ( XXXX XXXX XXXX ). On XX/XX/XXXX I disputed the charge, sent documents and told American Express what had happened. The merchant responded with fabricated evidence and apparently my documentation wasn't seen by the back office representative, instead of informing me to re-submit my documents, they sided with the merchant because they sent fake evidence. I tried to re-submit the dispute numerous times with different ways of sending evidence and never once was my evidence reviewed properly. On XX/XX/XXXX, the merchant decided to charge my credit card another {$5700.00} and {$1600.00} because they saw that Amex was letting them get away with the first charge. 
I once again contacted Amex and told them this was fraud, XXXX months later they charged my credit card when I had not made any transaction with them for that amount! Amex deleted the {$1600.00} charge on my account, but for some reason kept the {$5700.00}. 
On XXXX XXXX, I was told by Amex they would have a resolution within 30 days, it has been 30 days and no resolution has been made and they keep asking me to send personal information such as transactional data from other accounts, private conversations I had with friends proving that I was homeless while I search for a place to stay. I feel violated, mistreated, and that Amex is acting negligent in accepting fabricated evidence from a merchant. 

Attached is the correspondence I've had with American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal recently reviewed their terms of service. They have locked accounts that do not have Social Security Numbers assigned to them. They will not allow the accounts to receive money and more importantly will not allow the account to remove the funds already in the account nor will they allow the user to delete the account without the account holder giving them their SSN. They are holding personal information hostage in exchange for SSN 's. If Paypal requires the information for doing business in the future that is fine however you should be able to delete your account to protect your personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: FL

Complaint narrative:
I do not recognize these accounts. I believe I was a victim of identity theft. I have no contracts or agreements with these companies. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! Once again I confirm that accounts are not mine, because I assure you, I have never taken out these accounts.

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 2020-12-10 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:
I do not recognize these accounts. I believe I was a victim of identity theft. I have no contracts or agreements with these companies. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! Once again I confirm that accounts are not mine, because I assure you, I have never taken out these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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:
On yesterday XX/XX/XXXX, I logged into XXXX and saw that my Equifax has dropped 4 points. This was very confusing. Then I logged into XXXX on this morning XX/XX/XXXX and saw that my Equifax score had dropped another 20 points. I called XXXX and talked to a representative XXXX and she told me that it dropped because XXXX XXXX XXXX, my credit card agency, reported that I had a XXXX balance. I told her that this did not make sense to me because it was for this reason, that I had a balance of XXXX when XXXX XXXX reported to XXXX on XX/XX/XXXX and for this reason, my score went up 28 points. So I was having difficulty in understanding how my score can drop 20 points simply because I had a XXXX balance with XXXX XXXX XXXX when for this reason, my score increased 28 points on XX/XX/XXXX ( see attached ). 

I have a number of issues with the companies involved. First, my credit balance of XXXX ( above issue ) at XXXX XXXX caused me to increase my score on XX/XX/XXXX by 28 points and I was given the explanation that for this same reason, my score dropped 20 points. When XXXX XXXX reported a balance over the limit, it only dropped 4 points so if this above explanation is true, then having a balance of XXXX  would cause your score to drop 24 more points than being over the credit limit. I would think being over the limit would show more financial irresponsibility. 

Furthermore, the second issue is, I noticed that when XXXX XXXX reported that I had a XXXX balance on XX/XX/XXXX, my credit score dropped 4 points ( see attached ) and then when XXXX XXXX reported XXXX balance again on XX/XX/XXXX, it dropped 20 points. Why did XXXX XXXX reported so quick in succession? and this single report was used to drop my score 4 points on XX/XX/XXXX and then again on XX/XX/XXXX it dropped 20 more points. Why was this one action by XXXX XXXX charged against my credit score to drop my score twice, two days in succession. This does not seem right or ethical and it does not seem right that XXXX XXXX would report twice quick in succession. I also believe that XXXX could possibly been reporting wrong scores because when I checked myEquifax, my score did not match what XXXX was showing and I doubt if the explanation by the XXXX representative was correct or that XXXX was correct in showing these decreases in my score and for the reasons stated. I feel that all of these companies needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY

Complaint narrative:
To XXXX XXXX XXXX XXXX we dont owed any mortgage payment. They bought the loan mortgage from Wells Fargo Bank and Wells Fargo bank said there is outstanding balance of {$5500.00}. 

Wells Fargo Bank claimed that we have outstanding balance on loan mortgage payment in the amount of {$5500.00}. This alleged outstanding balance had no support whatsoever. Please see the documents that I sent via certified letter of which your office signed the return address of certified letter last XX/XX/2020. FYI and record too 4 times said documents were faxed via XXXX  fax machine and the receipt I got it is ok. This means the six supporting documents were delivered to your office and when I called your office the staff I talked to said no documents were received. The question why on four attempted faxed the documents your office staff said no documents were received? So certified a letter with return address of which your office signed the certified letter return address last XX/XX/. Please use said documents because it is very clear on said loan mortgage statement that we dont owed any money from Wells Fargo Bank. 

Please see my previous complaint and reference number are XXXX Wells Fargo and for 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 2020-12-10 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 have an account with XXXX XXXX XXXX. During this pandemic I had lost some income due to loss of some work. I called XXXX XXXX XXXX and was told I can go on a smaller monthly payment and lowered interest rate for XXXX months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account XXXX days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for XXXX months. We weren't even near the XXXX months. I made the payment they wanted and requested to please remove that XXXX day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from transunion and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full XXXX months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.

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 2020-12-10 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 have an account with XXXX XXXX XXXX. During this pandemic I had lost some income due to loss of some work. I called XXXX XXXX XXXX  and was told I can go on a smaller monthly payment and lowered interest rate for 5 months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account 60 days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for 5 months. We weren't even near the 5 months. I made the payment they wanted and requested to please remove that 60 day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from XXXX  and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full 5 months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I apply for tanf in the state of GA on XX/XX/2020 on the XXXX I was approved. I was told ill be getting a card in the mail in 7 to 10 it been 12 day and no card. I have lost my card insurance due to not being able to pay

Company response to consumer: Closed with explanation