vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-30 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: WA

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: WA

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: KS

Complaint narrative:
I am being over charged for this loan I called to make arrangements and the person was rude and said he wouldnt not stop the interest on the loan I am in a financial hardship the interest they are charging me is illegal. I borrowed XXXX and the loan is up to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
today I noticed through the free page that provides credit score that Transunion under my credit score without any reason as it provides the information please investigate this erroneous information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I had my credit at XXXX suddenly low for the use of a card for {$150.00} when its limit is {$1000.00}, 22 points of my credit went down, this affects me now that I want to get my house, Transunion and XXXX  did this by mistake there was no excessive use of 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 non-monetary relief
Consumer complaint received 2019-11-30 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: PR

Complaint narrative:
I had my credit at XXXX suddenly low for the use of a card for {$150.00} when its limit is {$1000.00}, 22 points of my credit went down, this affects me now that I want to get my house, XXXX  and Equifax did this by mistake there was no excessive use of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I was recently switched from the XXXX  XXXX XXXX XXXX to XXXX loan servicing c/o Loancare for my mortgage. I did not apply for this change but I understand that mortgage servicers can sell loans. 

Since the start of my mortgage, I have auto-paid half on the XXXX of the month ( or close thereafter based on bank availability ), the remaining half on the XXXX of the month ( or immediately thereafter based on bank availability ), for payments that are due the subsequent XXXX of the month. For example, for a mortgage payment that is due XX/XX/19, I paid half on XX/XX/19, the remaining half on XX/XX/19, and the mortgage due XX/XX/19 was paid with those proceeds. 

Loancare recently received a half-payment XX/XX/19, a second half payment XX/XX/19, for a mortgage payment that was due XX/XX/19. Instead of applying the amounts to the payment, they chose to misdirect my first half-payment on XX/XX/19 to unapplied principal, which was not at my request or discretion. This caused the payment due on XX/XX/19 to be listed as " late '', with an additional {$1100.00} still owing. 

I would like you to punish Loancare servicing for making this change that was not in accordance with how my past payments have been processed. I would ask you to force them to reverse whatever the XXXX they did with the XX/XX/19 payment and apply it to the regular mortgage payment. I would ask you to force them to make any corrections with the credit reporting bureaus that might have occurred due to their errors.

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 2019-11-30 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: PR

Complaint narrative:
Today, XXXX XXXX 2019, I requested a credit line increase for my XXXX credit card account, now administered by the bank called XXXX XXXX. XXXX XXXX used XXXX, as the credit bureau where they pulled my credit report, also without affecting my credit score,  because they use a soft inquiry, just like XXXX XXXX. But, once again and as I expected, XXXX XXXX  XXXX XXXX XXXX incorrect credit reports about my 2 accounts with them keep appearing also on XXXX, and it is negatively affecting even a {$400.00} credit line increase request, with no possibility of consideration, unless XXXX   XXXX also receives the evidence as fast as possible, in order to see that all the steps were followed by myself with XXXX XXXX  XXXX XXXX XXXX in order to correct this error they allow, against the Law called the Fair Credit Reporting Act : I am including the Brief currently been seen at the First Circuit Court of Appeals in XXXX, MA, because I also had to complain against a magistrate judge here at the XXXX XXXX XXXX XXXX XXXX for his unsupported conclusion, against all the evidence included. My Interrogatory to XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) clearly presents the incorrect credit reporting problem, the steps I followed, and why I had no choice but to file a Lawsuit. The Brief size in MB is too large for the CFPB, so I had to divided it today, XXXX 2019, but the Brief was not sent today to the Court, as the same Brief shows. XXXX XXXX   never answered. I am sending the Brief to the 3 credit bureaus, no matter they can only contact XXXX XXXX,. so there is evidence that I did took the Case to the Courts and the problems the violations against the Law from that other Bank unfairly creates to myself. Please verify at the pacer.gov web site under case XXXX to see this is an exact copy. Last payments to XXXX XXXX Credit Card were made, as agreed, last XXXX XXXX 2019 on the amount of {$120.00}, and now there is just 1 more payment needed to reach 36 payments made directly to XXXX XXXX XXXX XXXX under that certified payment agreement for this credit card with the same XXXX XXXX  XXXX XXXX XXXX, but none were reported to the credit bureaus, and the XXXX XXXX last payment of {$260.00} was made on XXXX XXXX 2019, as agreed. Both accounts are with the same Bank, and Paid as Agreed. Please review the Brief for details.

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 2019-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
Today, XXXX XXXX 2019, I requested a credit line increase for my XXXX credit card account, now administered by the bank called Capital One. Capital One used XXXX, as the credit bureau where they pulled my credit report, also without affecting my credit score, because they use a soft inquiry, just like XXXX XXXX. But, once again and as I expected, XXXX XXXX  of XXXX XXXX incorrect credit reports about my 2 accounts with them keep appearing also on XXXX, and it is negatively affecting even a {$400.00} credit line increase request, with no possibility of consideration, unless Capital One also receives the evidence as fast as possible, in order to see that all the steps were followed by myself with XXXX XXXX  of XXXX XXXX in order to correct this error they allow, against the Law called the Fair Credit Reporting Act : I am including the Brief currently been seen at the First Circuit Court of Appeals in XXXX, MA, because I also had to complain against a magistrate judge here at thXXXX District Court of  XXXX XXXX for his unsupported conclusion, against all the evidence included. My Interrogatory to XXXX XXXX XXXX XXXX ( XXXX XXXX  of  XXXX XXXX ) clearly presents the incorrect credit reporting problem, the steps I followed, and why I had no choice but to file a Lawsuit. The Brief size in MB is too large for the CFPB, so I had to divided it today, XXXX 2019, but the Brief was not sent today to the Court, as the same Brief shows. XXXX XXXX  never answered. I am sending the Brief to the 3 credit bureaus, no matter they can only contact XXXX XXXX,. so there is evidence that I did took the Case to the Courts and the problems the violations against the Law from that other Bank unfairly creates to myself. Please verify at the pacer.gov web site under case XXXX to see this is an exact copy. Last payments to XXXX XXXX Credit Card were made, as agreed, last XXXX XXXX 2019 on the amount of {$120.00}, and now there is just 1 more payment needed to reach 36 payments made directly to XXXX XXXX XXXX XXXX under that certified payment agreement for this credit card with the same XXXX XXXX  of XXXX XXXX, but none were reported to the credit bureaus, and the XXXX XXXX last payment of {$260.00} was made on XXXX XXXX 2019, as agreed. Both accounts are with the same Bank, and Paid as Agreed. Please review the Brief for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: ONEMAIN FINANCE CORPORATION
State: AZ

Complaint narrative:
I discovered that OneMain Financial ran an authorized credit report on XXXX XXXX, 2019   without permissible purpose.

I sent OneMain Financial a certified letter on XXXX2019 requesting to contact XXXX, XXXX, & XXXX  immediately and have this inquiry deleted from my credit report file.  Certified letter was received by XXXX XXXX XXXX on XXXX/2019.

My request was ignored.  I am using Estoppel of Silence in my defense.  By law, OneMain Financial had a duty to respond but failed to do so. Therefore, this means that they agree with me that this inquiry was not authorized.

In addition, I am receiving constant emails from them.  I have unsubscribed to their emails, but I am still receiving emails from them. I am not interested in a loan or never have applied for a loan with them.  I need this to stop immediately as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I logged into Experian to check my credit report. The page that came up as soon as I logged on was a screen prompting me to enter billing information. It was for Experian 's Identity Theft Protection plan. However, it's not obvious that is what it is for, and the page almost makes it seem I had to put in my credit card information. 

When I press the decline button, I go to my overview screen. I know in the past I have frozen my credit, however, on this screen it shows " Your Experian credit file is unlocked '' with a button to " Lock Your File. '' When I click that button, it says my Experian Credit file is unlocked. What is not obvious is Experian is referring me to their personal paid service to protect 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 2019-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Convergent Outsourcing Inc has been trying to collect a debt that I do not owe ( from a XXXX bill ). I have sent them three letters ( certified ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting them to validate such debt. COI response has always been " we have completed our dispute investigation ... .debt is valid '' and they attach a XXXX Bill dated XX/XX/XXXX. This document does not verify the validity of this debt.

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 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NV

Complaint narrative:
Hello I receive service connection XXXX. I am currently homeless and live in XXXX nv. I have received my direct deposit from the va into a netspend account for over a year. I used an address 1 time in Massachusetts while I was there to get a card shipped to me. Netspend has since been able to change my address or ship me a card. They only allow me to open other accounts so I can be charged extra monthly and transfer fees. On XX/XX/XXXX the account I recipient my va deposit in was blocked from my use. Netspend refuses to transfer me to anyone. They laugh at me on the phone. I have been broken down in my truck for 3 days throughout a storm. I missed XXXX  because I had no funds to fix my car issue. My phone is off and netspend is requesting documents they know I can not provide at this time. I send them a XXXX birth certificate social security card an award letter with my current addressed on it. I also sent a XXXX and va I'd. They didn't approve any of my documents saying my I'd was to blury, they except nothing from the va, and they do not except copies of copies for my social security card. They are also requesting only a utility bill with the Massachusetts address on file. I never lived there and don't know how to get a proof of address there other than fordge a fake bill. The only other option they are giving me is to have my account closed and my check sent to the a address I don't live at in Massachusetts. I think they are laundering my money because this has happened several times where the have requested personal documents and unnecessary blocks. Please help, netspend is only allowing me to speak to the same people. I am 100 % XXXX and can not deal with this stress. There has also been countless forien transaction fees throughout my accounts. And money that gets taken out as change and then put back in as different amounts. I need my money I'm starving, stuck, cold, and my phone is now off.

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 2019-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
My mortgage was purchased from XXXX XXXX XXXX in XX/XX/XXXX. I received a letter at the end of XXXX my mortgage was sold to Specialized Loan Servicing LLC ( SLS ). I contacted SLS as I wanted to make a payment prior to XX/XX/XXXX. When I reached them, I was advised that I could not make a payment until the loan " Loaded '' on their system which would take a couple of weeks. I called back to make payment. The first payment was not accepted and called back again and made payment on XX/XX/XXXX. The payment was accepted and was told it was placed in a " holding place '' as the loan had still not loaded. The load was not loaded to the SLS system until XX/XX/XXXX. I made two additional payments, one on XX/XX/XXXX and one auto draft on XX/XX/XXXX. The XXXX payment posted for XXXX and the XXXX payment posted for XXXX. The XXXX payment was missing and listed as I was delinquent. I WAS NOT DELINQUENT. I called and was told it would take 30 days to correct my account for the payment that was placed in the holding place. I have called XXXX times, provided documentation from my bank statements of the evidence of payment via fax, and email. I also paid the home insurance that was delinquent by SLS on XX/XX/XXXX and I still have not received proper treatment or allocation of the payments. I have written the CEO XXXX XXXX without a response. At this point, I am at a loss as to how this organization is in business and what is happening with customers funds. I question the ethics of this organization as with over 14 years with XXXX XXXX XXXX I never had to call 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 2019-11-30 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 am a victim of identity

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 2019-11-30 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 am a victim of identity

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 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To Whom It May Concern : I have an American Express XXXX Honors card. One of the primary reasons for paying the $ XXXX  yearly fee was that they offer a complementary hotel room certificate after charging $ XXXX to the card. This certificate is impossible to actually use. I would like CFPB to force AMEX to honor the cardholder agreement and force AMEX to honor the agreement as it pertains to this matter. Thank you.

Company response to consumer: Closed with explanation