vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is being reported by all 3 bureaus a charge off of {$240000.00} from XXXX XXXXXXXX XXXX. It is benig reported by Experian and XXXX  as a " charge off '' and that the account i question was closed XX/XX/XXXX yet months following there is no data until XX/XX/XXXX they state a last payment and XX/XX/XXXX a 1st deliquency. For years XXXX and XXXX they report " no data '' then pick up in XXXX CO which means charge off and have continued to present. 
I have submitted multiple disputes only to receive a message that the account has been verified and that it belongs to me. Well the problem I have is ; I have spoken to a XXXX XXXXXXXX XXXX representative from the number that is provided. They have NO record of me or the debt nor have they been reporting according to this representative the other day and have opened an investigation, report # XXXX. 
It is my opinion XXXX and Experian are self reporting perhaps for personal gain, but it is now become noticeable this is harassment. I also disputed this information with XXXX and they have since " removed '' this from my credit report. 
This information is causing me financial harm and have been denied loans which I needed to purchase a home. Now they have changed this information to closed v/s charge off which from their description a " closed ' account can remain for 10 years v/s 7 years for a charge off bad debt, late payments. This has now reached the 7 years.

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 2020-01-04 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: ID Analytics, Inc.
State: NY

Complaint narrative:
This company sagestream, never heard of reported to XXXX XXXX XXXX, made up info about my credit, such as consumer associated with too many phone charges, and that balances on credit limits too high, where are they getting information, and then to top it all off they said my credit score was XXXX what is this at the time my score was XXXX, something no right they need to be investigated, who are they, now Im denied a credit card at XXXX, and I have a account already with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been a long time customer of Capital One with both a Credit Card and Car Loan. Despite the very high interest they charge I have an an almost perfect payment record with both accounts. I was only late one time on the Credit Card account by a couple of days and have never been late on the Car Loan. Despite this outstanding record, Capital One has turned down my request for a modest increase in my credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage loan was purchased from XXXX  XXXX XXXX by Select Portfolio Servicing XXXX Inc., out of XXXX XXXX XXXX, Utah. I was notified by mail by XXXX, but notification was sent to the wrong address. I contacted XXXX when mortgage money hadn't been taken out of my account ( automatically ) by the end of the month ( due the XXXX ). I was told by XXXX that I had a two month " grace period '' to pay the new mortgage holder. I paid SPS two month 's mortgage, before the XXXX of the month the following month, as it took a week or so to obtain SPS 's mailing address, my new account number, etc. At that time the mortgage payment was {$1500.00}. Before any type of rate hike happened by the Federal Reserve, SPS raised my payment amount to {$1600.00}. When I called SPS for an explanation, I was told it was their prerogative as I had paid my mortgage ( 2 month 's worth ) after the first of the month ( but before the payment was late on the XXXX? ). Moreover, every month upon receiving my statement, SPS indicates that what I owe is {$3200.00} XXXX charging me interest on this larger amount rather than the {$1600.00} - the amount I really owe ). This additional principal balance is what I am being charged interest on, and they add this additional {$1600.00} principal balance on the XXXX of the month - two days before the payment would actually be late. If you look at my monthly statements, although they show this {$3200.00}, there never is any late charges because I am never late paying the mortgage amount of {$1600.00} XXXX which again, should be {$1500.00}, not their arbitrary amount of {$1600.00} XXXX. SPS also attempted to charge me PMI, although this loan is a land loan ( and I also have my own private insurance on the property ). SPS simply won't remove this additional {$1600.00} XXXX for a total of {$3200.00} XXXX from my monthly principal balance owed, and again, are charging me a higher amount of interest each month for this inflated {$3200.00} balance they put on my statement each month. I would appreciate some help in getting my payment amount of {$1500.00} reinstated, and reimbursement for the additional interest amount they are charging me each month by doubling my payment amount on each statement ( again, my payment has never been late ). Further, I want reimbursement for the additional amount that SPS is charging me each month - from the {$1500.00} my payment amount is supposed to be to the arbitrary amount SPS is now charging me of {$1600.00}. Please note, again, at the time SPS raised my payment amount from {$1500.00} to {$1600.00}, there had been no rate hike by the Federal Reserve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion continues displays innacurrate employer on credit report. XXXX XXXX  is inaccurate. I work XXXX, I have sent verification of that to transunion but they confirmed agreed to remove innacurrate information but reappearing.

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 2020-01-04 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The mortgage loan was sold several times last year when I feel behind due to an job injury and I was on XXXX. My current mortgage lender consistently records my payments as XXXX days late, when I am not. I have been caught up on all my payments for the last 6 months but they are still recording errors and they wont change them. If I dont pay my mortgage by the end of each month before the 1st, I will get a notice from he following week, along with a credit counseling package stating that I am now past due. I have until the XXXX of ever month to pay my mortgage until i am technically late, so I shouldnt be receiving any threatening phone calls or debt packages until then. They also dont update their entries to the three credit boards in a timely manner. My credit profile still shows that I am delinquent when my account is current. I have filed numerous complaints with the 3 credit agencies to correct the information but my lender will report that its correct per the FCRA. Which it is not! This is effecting my credit score. I wont to stay current so I can refi my loan and switch to a better mortgage lender!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: NY

Complaint narrative:
The original account was a result of identity theft. I have disputed with CKS financial regarding this fraudulent account and therefore their fraudulent collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: Clarity Services
State: CT

Complaint narrative:
[ Date ] [ XXXX XXXX ] [ XXXX  XXXX XXXX ] [ XXXX, ct, XXXX ] [ XXXX XXXX XXXX ] [ ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ Description of fraudulent transaction/account ] [ Dates of fraudulent transaction or Account Number ( if known ) ] Dear Sir or Madam : I am a victim of identity theft.. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ XXXX ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 

Enclosed with this request is the following documentation, as applicable : 1. I have Proof of my identity : i send A copy of my drivers license, ; and 2. i send Proof of my claim of identity theft : A copy of the police report about my identity theft ; and A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 


Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name is in the police report I send, address and telephone number is : If you have any questions concerning this request, please contact me at the above address or at XXXX XXXX

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

Complaint narrative:
[ Date ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, ct, XXXX ] [ XXXX XXXX XXXX ] [ ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ Description of fraudulent transaction/account ] [ Dates of fraudulent transaction or Account Number ( if known ) ] Dear Sir or Madam : I am a victim of identity theft.. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ XXXX  ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 

Enclosed with this request is the following documentation, as applicable : 1. I have Proof of my identity : i send A copy of my drivers license, ; and 2. i send Proof of my claim of identity theft : A copy of the police report about my identity theft ; and A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 


Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name is in the police report I send, address and telephone number is : If you have any questions concerning this request, please contact me at the above address or at XXXX XXXX

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

Complaint narrative:
According to my credit reports there is a few inaccuracies regarding my payment history on my account ... These three bureaus are not up to date with payment history and have inaccurate reporting in their system.. 

For account XXXX XXXX/XXXX this account has been current for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

For account XXXX XXXX this account show to missed payments in XX/XX/XXXX/XX/XX/XXXX which are inaccurate..

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 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone submitted a fraudulent application for a XXXX XXXX card. I contacted XXXX and they sent me a letter stating that the fraudulent inquiry would be removed from my credit report but it has not. This fraudulent inquiry happened in XX/XX/2019. The inquiry is still on my Equifax Report. Attached is a copy of the letter XXXX sent me saying that the inquiry would be removed and that they sent this letter to all the Credit Bureau reporting agencies but Equifax has yet to remove the fraudulent inquiry from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My score went down 27 points on an inquiry. The fact that they are unable to post real time and or correct debt information cost me financial harm and you as the alleged protection bureau do nothing. That's it in a nutshell FRAUD!

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 2020-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
LoanCare erroneously paid a higher tax bill in the amount of {$4900.00} when the correct bill was {$3300.00}. After numerous contacts with the company, LoanCare finally sent me an email stating that credit would be made to my escrow which still hasn't happened. Now escrow statement has been sent out with a higher escrow monthly payment due XX/XX/2020. 

I would really appreciate you looking into this and getting credit and escrow resolved ASAP. 

Also, your company 's customer service is horrible, but I'm sure you are aware of that from the internet reviews. 

Sincerely, 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 2020-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have an account with XXXX XXXX XXXX. I recently scheduled a payment on XX/XX/XXXX to be debited from my bank account on XX/XX/XXXX. I have done this several times in the past. Over the past week I have received no less than 15 phone calls per day from Conns even though I have already scheduled the payment for more than the amount due. This morning they called my Grandmothers home regarding my debt. I have never given them her number or permission to call that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: NY

Complaint narrative:
The original account was a result of identity theft. I have disputed with XXXX XXXX regarding this fraudulent account and therefore their fraudulent collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Back in XX/XX/XXXX, I contacted Wilshire consumer credit at the end of the business day to request, heavily request, a few more days before they send a tow truck to repo my truck, which the lady on the phone agreed to give me a day to call them back with an update as to whether or not I can come up with a payment. However, the very next morning at around XXXX XXXX they repoed my truck. I also had borrowed money With interest from someone to make the payment. But, in addition to this now useless loan, I lost my contract with my customer, as I am a XXXX XXXX. And because I didnt have my truck, I couldnt pick up materials and get the work started, this resulted in the loss of a {$6800.00} deposit, which further resulted and not being able to pay the rent, as I am the sole income provider for a family of XXXX in the XXXX XXXX XXXX Area. The total contract price I lost out on because theyve got my truck is {$18000.00}. All in all, because of the repossession, it cost me over {$20000.00} in income and fees, just so they can repossess a XXXX Work truck. I had also very recently prior to this, concluded a massive bankruptcy.

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

Complaint narrative:
My XXXX XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and only XXXX has removed it totally. Transunion and XXXX have not. It's XX/XX/XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed.

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 2020-01-04 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: FL

Complaint narrative:
Equifax did not have my loan info. on file, so I added it, when I did it suddenly showed 2 installment loans. I deleted the one and then they showed NONE on my report taking my credit score way down. I filed a dispute with them, they did NOTHING once again, I can not get them to answer me on the phone why this is not on my report, I gave them the loan #, the amt. the everything but yet EQUIFAX refuses to fix my credit score. Why are they allowed to play games with peoples credit when they are supposed to be regulated? I have asked you for help before and YOU did NOTHING .... XXXX is it going to take????????????????????????????????????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
XXXX XXXX - Inadvertently made a payment to loc by ACH. The wording is easily misunderstood payment page. Everything online and in email states that the full line of credit is available immediately. However, when you try to readvance it tells you you have to wait for the payment to clear ( 10-14 business days when you speak to customer service ). Discussed this with the supervisor at that time who gave me a one time courtesy advance on the same day. 

XX/XX/XXXX - Did it again. They can see the payment but can not change it. There's no alternative once you hit submit. There isn't even an overview page to confirm what you want to do. And once again, I am told that my full line of credit is available immediately but can not access it. 

The website needs to be fixed. Payment needs to be confirmed before processing or consumer should have the ability to make adjustments to payment information/cancel the payment within minutes of hitting submit. The wording on payment confirmation needs to be updated to reflect what is actually available vs. showing the full amount if it is infact NOT available. 

Hi, Thank you for payment of {$2600.00} on XX/XX/XXXX towards your XXXX Loan. Your payment details are listed below. 
Loan Agreement # : Payment Amount Received On : XX/XX/XXXX Next Payment Date : XX/XX/XXXX You have {$3200.00} available on your XXXX  Loan account. You may withdraw from your line of credit at any time and on any day by visiting our website XXXX or any of our 24/7 Advance Financial stores. 
Thank you once again for choosing Advance Financial and for your continued business. 
Kind Regards, Your Friends at Advance Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CHASE MORTGAGE SAID MY PAYMENT WAS LATE XX/XX/2016.

Company response to consumer: Closed with explanation