vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-05-12 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: CA

Complaint narrative:
THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT. I HAVE SENT NUMEROUS REQUESTS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT PROFILE. THE COMPANY IS NO LONGER IN BUSINESS, I HAVE NO IDEA WHERE THIS FRAUDULENT ACCOUNT HAS BEEN SOLD TO, I HAVE SENT NUMEROUS REQUEST ALONG WITH POLICE REPORT, NOTARIZED DOCUMENTS TO HAVE THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT. I HAVE SENT NUMEROUS REQUESTS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT PROFILE. THE COMPANY IS NO LONGER IN BUSINESS, I HAVE NO IDEA WHERE THIS FRAUDULENT ACCOUNT HAS BEEN SOLD TO, I HAVE SENT NUMEROUS REQUEST ALONG WITH POLICE REPORT, NOTARIZED DOCUMENTS TO HAVE THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT.

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MT

Complaint narrative:
My FICO 8 TU score went UP 2 pts to XXXX this month. Discover is saying they reviewed my account and need to reduce my credit limit from {$1600.00} to {$700.00}. I called in. They ASSURED me it was just a computer glitch. Then, mothers day dinner DECLINED. I called again. Yeah we are reducing your credit line. My account has steadily gone from a {$300.00} card to {$1600.00}. My credit is better than at any time so far. This is blatant credit discrimination. I am an XXXX  veteran, a protected class for discrimination lawsuits. I asked about COVID19 and why they are HURTING AMERICANS. I then told them I needed my credit line back so my kids dont go hungry tonight. While saying they dont want anyone to go hungry, they refused to undo their discrimination. I have never missed a payment. I have improved my credit. This is blatant risk exposure reduction at the expense of consumers. They are all doing this. HELP, CFPB!! HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
XX/XX/2020 {$2000.00} reported by collector on their website, logged into my account for them they over payment options and various offers to settle for a lesser amount. while going through the options on the website, i called their customer service to attempt a one time payment for settled amount. customer service rep told me they couldn't settle for that amount and then proceeded to tell me their website had a glitch and now of the offers would settle my debt. and the only amount that would, would be the {$2000.00}. i asked multiple times about the settle for less amounts and payment options on the website and even cited a recent letter from them that offered all the same options. and we told repeatedly that any payment offer i accepted wouldn't cover the amount of {$2000.00} to pay the debt off and anything less would leave me with the debt still unsettled. their website and a few letters all present the company as these are valid offers to settle. this customer service rep contradicted all of those things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We are 2 months behind on my mortgage. We have been making payments but have not been able to catch up on back payments. Have stayed in touch with servicer and let them know we are trying to catch up. 
I recently received a letter saying we were accepted in a forbearance. 
I never asked or applied for a forberence as I did not know what that was. I called the Servicer and asked what a forberence is and I said I did not ask for a forberence. They told me I did. I asked what date that request was made and they gave me a date and I said I never made that call to them asking for a forberence. I asked them about the terms and they said a balloon payment in 3 months. I told them to please remove the forberence that I did not call and ask for one. 
They are trying to trick me into a forberence and are lying. The Servicer is NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my current credit report from Experian credit reporting agency. I notice that an account under the name ( XXXX XXXX XXXX  ) reports inaccurate, misleading, Unverifiable, inconsistent information on my consumer credit report. 

Account : XXXX XXXX XXXXnk : Currently reports inaccurate balance and credit limit amount. A violation of FCRA rules. Sec 1681.

: Currently reports no last date of payment as required by fcra rules section 1681. As a result this is a violation.

: Currently reports no date of first delinquency. A violation of FCRA rules section 1681.

Currently reports multiple charged off status each and every month after Account has been changed off. A violation of FCRA rules section 1681. 
Currently reports Account last updated in XXXX of XXXX, while account was last disputed in XXXX of XXXX a clear indication that account was not properly investigated. A violation of FCRA rules section 1681.

Currently reports in comments that account meets fcra requirements, while reporting inaccurate, misleading, Unverifiable, information. A violation of FCRA rules.

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 2020-05-12 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: NV

Complaint narrative:
I did not authorize these companies to run my credit.

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 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a cash deposit to my account in the bank with a teller on Wednesday the XXXX of XXXX. I got a receipt. On the next Saturday, the XXXX of XXXX I checked my account and discovered that my deposit on the XXXX was not credited to my account. I called the US bank customer service number on the back of my ATM card. The customer service person, XXXX, filled out a lost deposit incident report and advised that I call the branch when they opened later that day. I did call the branch and talked to the branch assistant manger XXXX. XXXX checked around and even talked to the teller who handled my deposit. He remembered me and the amount. I said ... how about crediting my account. XXXX said that she couldn't do that ... that the bank had to look into where the problem was and that it may take awhile. I told her that I shouldn't have to wait for what is a bank problem. XXXX was very hard to deal with ... especially when she kept saying that she didn't appreciate my tone and that I was being disrespectful. 
Later, I talked with a real manager, XXXX XXXX. 
I have copies of my correspondence with Mr. XXXX as well as the copy of my original deposit.

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 2020-05-12 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: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Back in XX/XX/2015 I signed a loan modification agreement with XXXX   XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to Seterus. Seterus did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and Seterus reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement.

I have provided this documentation to Seterus ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Back in XXXX I signed a loan modification agreement with XXXX  XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to XXXX. XXXX did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and XXXX reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement. 

I have provided this documentation to XXXX ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I noticed a {$4.00} transaction from XXXX XXXX pending on my bill on XX/XX/2020. I called Chase at XXXX. After being disconnected on the first call I waited 20 minutes on the next call. Once I reached someone with Chase, the operator told me to call the company that scammed me. Chase provided the phone number of XXXX. When I called the scammer, a foreigner, he wanted more information from me so that he would credit my credit card. He told me I had ordered some kind of membership that was advertised on TV. I told him that I did not. He asked for my last name and zip code and said he would credit my card within 2 days. I reluctantly provided this information. My credit card has not been credited as on XX/XX/2020. I tried calling Chase again on XX/XX/2020, and the recording said it was a 50 minute wait. The recording suggested going to Chase.com. I did go to chase.com and tried to dispute the charge. It then said I had to call XXXX to dispute the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
several times ive tried to contact sagestream to find out about my security freeze with no response or letter in the past 30

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: NV

Complaint narrative:
I did not authorize these companies to run my credit.

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 2020-05-12 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: NV

Complaint narrative:
I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
IRS economic relief payment scheduled direct deposit verified on irs.gov to direct deposit XX/XX/XXXX. No check was received nor any notice as to status or why it was not received. M & T is denying receiving it and they and I both verified on the IRS website that I was to receive a direct deposit of {$1200.00} on XX/XX/XXXX to my account. It is now XX/XX/XXXX. Nothing.

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 2020-05-12 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:
After reviewing my current Transunion credit report. I notice an account under the name ( XXXX XXXX XXXX ) is currently reporting multiple inaccuracies and violations under fcra rules. 

: Currently Account reports no date of last activity. A FCRA rules violation section 1681 : Currently Account reports no date of first delinquentcy. A FCRA rules section 1681.

Currently Account reports as being charged off but still reports negative remarks each month in payment history. A violation of FCRA rules section 1681. 
Currently account reports last date updated was in XXXX of XXXX while this account was disputed in XXXX of XXXX. A violation of FCRA rules.

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 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I made a purchase from a fraudulent company, XXXX ( XXXX XXXX XXXX ), using Paypal on XX/XX/2020 in the amount of {$99.00}. XXXX also claims payment is for item " XXXX  XXXX Item 1 '' and uses a personal email address " XXXX '' for their paypal account . As soon as the order went through and I didn't receive email confirmation or the order, I emailed and called the seller immediately to no avail. I got a gut feeling being a fake website/ scam, I immediate on the same day of the transaction XX/XX/XXXX ( within couple of hours maximum ), logged a dispute with Paypal stating this to be scam. So they should stop processing the transaction, which they never did and proceeded without proper investigation to allow funds being transferred to the scammer. 

On the dispute with PayPal and XXXX provided a fake tracking number ( for a order to different address in the same destination city ). PayPal accepts this without investigation and closes the dispute. I notified PayPal, that I have video surveillance in my house and do not show any deliveries from XXXX  that day either. Again to no avail and no investigation. 

Paypal has been made aware of this company by many other people and still allows its account to sell and denies disputes or to return money. I have provided these to Paypal and they never investigated and closed that dispute either to no avail. 

XXXX XXXX XXXX # XXXX XXXX XXXX   Additionally, The XXXX  tracking shows delivery to someone else 's address within same city of an item of 10lbs weight. The item I purchase a basketball hoop weighs well over 120lbs as per description on XXXX, XXXX XXXX.. Paypal has done no investigation on its part and just closed the case without proper communication and investigation into this matter and also has not safeguarded buyer 's and has left them vulnerable to fraud/scam by still allowing these sites to operate on their platform. 

While talking to a customer rep at paypal he agreed that proper procedures need to be implemented and that I " will not lose a penny with Paypal '', but that has not been fruitful either. There's no buyer 's protection that paypal touts and is deceptive in its tactics. Their platform may be serving criminal money laundering activity and the do not perform proper KYC/EDD/CDD checks on their merchants. 

Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
XX/XX/XXXX, my daughter totaled her XXXX XXXX XXXX. XXXX XXXX made a payment to JP Morgan Chase dated XXXX XXXX for {$13000.00} ( paper ). XXXX XXXX issued a second payment to XXXX XXXX XXXX XXXX dated XXXX XXXX for {$740.00} ( electronic ). The payment for {$720.00} was for extended warranty cancellation due to total loss. A payment was issued to JP Morgan Chase Auto on XXXX, XXXX for {$720.00} and cleared Chase Auto on XXXX XXXX. Chase denies this transaction and will not credit my account, therefore allowing no closure. The main issue is they are reporting me 90 days past due. I have been consistent in my correspondence with Chase and XXXX. We suffered a devastating fire XXXX XXXX. We lost everything. We have been in temporary housing trying to purchase a new home or credit for new appliances and furniture. Needless to say JP Morgan has tremendously affected my credit score due to their inaccurate bookkeeping. JP Morgan has admitted they posted our credit to the incorrect account and refuses to correct it. I have been denied credit due to this. I have been more than cooperative with Chase. I have sent every piece of documentation requested including the invoice and copy of the front /back of check that was paid on my behalf. I was reported 90 days past due today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I was looking to check my TransUnion credit profile after my other profiles do not show my XXXX XXXX. I made an account, inputing my credit card information, assuming it was a verification that I was who I say I am, like many credit sites ask. I was immediately billed {$25.00} and emailed an Order Confirmation, without ever being told I was buying a product or the price of the product. This is predatory behavior, and I want my money back. I immediately cancelled my " subscription. '' TransUnion should be fined for billing people without their consent. Regardless of fine print, they should be clear with how they are using your information, which, in this case, was my credit card information to bill me for a subscription. The fact that the cancellation process included a reason for " I did not know I was being billed '' is evidence enough.

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 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I checked my credit and saw the wrong information on my credit saying I have balance that I already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation