vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2020 I went into a Loew 's Store in XXXX XXXX XXXXI have a Loew 's Account and was seeking information on 2 hour fire doors. The gentleman told me it was a XXXX charge for someone to come out and measure the work.He never told me that I was not going to get the measurements or a copy of the measurements.I met the Loew 's representative at my rental unit and had given the renter a 24 hour notice.When I called Lowe 's store the representative state that I could not get a copy of what I paid for. He then stated that I had to deal with his location and that was not stated up front to me.I live 30 miles from this XXXX XXXX California store and had I known this would have gone to a XXXX California Store where I live which is 5 miles from me. He also ststed that they can not transfer my work which was not told to me.I have called XXXX repeatedly with no success as I just get a machine. I did call The XXXX XXXX Store and it got no where.

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/20 I requested a free annual credit report, I received my reports from XXXX and XXXX but not Transunion. On XX/XX/20 I received a letter from Transunio stating they could not locate my report so I gave them a call on XX/XX/20 and they were able to pulled my credit report and mail it to me which I received on XX/XX/20. The issue I am still having is I an trying to sign up for a credit monitoring program called " XXXX XXXX '' but for some reason it can not pulled my Transunion report. My Transunion is still showing on " XXXX XXXX '' so I do not understand why Transunion keep having an issue with location my report. Please help me because I need this situated as soon as possible Thanks

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My lender pulled my credit and there is a XXXX XXXX account showing on my credit file. I had NEVER signed for a credit card with this company. I was added as an authorized user but at no time did I have a card with this company or an account with this company. This is hindering my loan being processed. I am attaching proof that this debt is not mine this was for XXXX XXXX XXXX. Had this been mine I too would have been sued!

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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/XXXX XXXX purchased my loan from XXXX I had a balance with XXXX of {$130000.00} and paid of {$7000.00} before they took over now I have a balance of XXXX. I also began a modification review with Shellpoint in XXXX of XXXX because I couldnt pay XXXX of mortgage and it went up again to XXXX so I requested a modification I fell behind but always paying. On XXXX I requested a modification and they continued to charge late fees, and other fees while under review. I then got an approval letter in XXXX XXXX, XXXX to immediately begin paying a trail payment of {$960.00} beginning XX/XX/XXXX not giving me a chance to recover what I was behind XXXX and XXXX. They have since reported me to all three credit bureaus at a highe mortgage payment owed XXXX instead of what I actually owed thats unclear {$130000.00} and Late payments for the months in which I was under review for the modification affecting my credit by aproximately 40 points from where I was hurting my credit. Covid 19 took a toll on everyone and Shellpoint didnt take this into consideration and continued to report my balances incorrectly and lateness while under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I received 17 called in four days. I have told the company, Receivables Performance Management multiple times that I did not owe the debt from XXXX. My account was closed with XXXX in 2017. I went on a payment plan with them to pay over a XXXX dollars. I paid the amount in full. I never received a letter or call from XXXX for three years. The last two months I started receiving numerous calls from XXXX XXXX XXXX stating I owed a balance to XXXX. When I tried to explain that I paid it in full, they ignored me and tried to get a settlement. I was even told I would not be able to buy a house if I did not pay this off. They originally stated that I owed {$170.00} and then came back and stated I owed {$200.00}. I called XXXX and they were not able to tell me what the charges are for. I called Receivables Performance Management and spoke to a very rude and short supervisor, XXXX, who stated he would sent out a breakdown of what I owe. My main complaint is the amount of calls I received with no explanation of what they where for, XXXX not able to explain the charges, and the amount that I owed doubling for no apparent reason. Also never receiving any inquiries from XXXX about an over due balance until XXXX years later through an collections agency threatening to put the amount on 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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account has been paid and I have a account with them I have a active card with them now. Im not understanding what going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage has reported on XX/XX/2020, " Between XX/XX/2020, and XX/XX/2020, the following remark was added to this account : Affected by natural disaster. '' This statement is neither authorized nor correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My lender pulled my credit and there is a XXXX XXXX account showing on my credit file. I had NEVER signed for a credit card with this company. I was added as an authorized user but at no time did I have a card with this company or an account with this company. This is hindering my loan being processed. I am attaching proof that this debt is not mine this was for XXXX XXXX XXXX. Had this been mine I too would have been sued!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My lender pulled my credit and there is a XXXX XXXX account showing on my credit file. I had NEVER signed for a credit card with this company. I was added as an authorized user but at no time did I have a card with this company or an account with this company. This is hindering my loan being processed. I am attaching proof that this debt is not mine this was for XXXX XXXX XXXX. Had this been mine I too would have been sued!

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is showing or added a remark that my mortgage is affected by a natural disaster. However, the account with XXXX XXXX   Servicing is current and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX and Wells Fargo is showing a charged off account on my credit file. I have never had a Wells Fargo account that went into charge off. I was only an authorized user and at no time was I responsible for this thing. It is showing on my report as that I am a cosigner and I AM NOT a cosigner.

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 2020-05-01 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: AZ

Complaint narrative:
improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. EXPERIAN is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.

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 2020-05-01 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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: DC

Complaint narrative:
On XX/XX/XXXX, I responded to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX, ( XXXX ) XXXX, XXXX pursue vehicle purchase ). After completing credit application, XXXX, XXXX XXXX, I received updated information from salesperson, credit score XXXX ( Equifax ). Thereafter, I responded to finance office, met with XXXX XXXX, who advised. '' monthly note will be approx. {$400.00} ''. I did not accept this offer. 

On XX/XX/XXXX, I contacted General Mgr. ( XXXX XXXX ), XXXX XXXX, to obtain additional information XXXX XXXX XXXX, and explore information XXXX XXXX XXXX. Afterwards, I did not accept offer. On XX/XX/XXXX, I responded to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX. I purchased XXXX XXXX XXXX. On XX/XX/XXXX, I received letter from XXXX XXXX XXXX XXXX XXXX, Notice of Adverse Action. 

Additionally, on XX/XX/XXXX, I received Notice of Adverse Action from Kia Motors Finance, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : Application Number : XXXX. It appears because I didn't accept XXXX XXXX XXXX XXXX XXXX ' offer, they used the XXXX credit score ( XXXX ) to support sending the Notice of Adverse Action. If I would have proceeded with the offer, they used the XXXX credit score ( XXXX ). 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, Ga, XXXX, ( XXXX ) XXXX, is currently Lien Holders my vehicle. Please see attached supporting documents. Thanking you in advance for your assistance with this subject matter. It's also important to " Do unto others as you would have them to do unto you ''. 

In closing, I agree to CFPB Publishing my description on consumerfinance.gov., with the understanding that ALL of my personal information is excluded.

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 2020-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
On XX/XX/XXXX, I called my mortgage co. to ask what kind of disaster relief assistance they were giving their valued customers. I was offered the opportunity to refinance my loan from 3.875 % to 3.327 % as a permanent fixed loan. I agreed. 
On XX/XX/XXXX I rec 'd a letter from the underwriting dept. asking if I had a loan from XXXX for XXXX. The answer was no, I have not had another loan. On XX/XX/XXXX, I rec 'd loan doc 's to sign. I signed and returned, hoping to close quickly. I rec 'd a letter on XX/XX/XXXX saying we should be closing soon. 
I have been calling my mortgage company since those corresponded letters and no response. Finally, heard from a Senior Team Leader XX/XX/XXXX. He said he would check into the situation and never heard back from him. This has been a very confusing situation for me because, I financed my loan with this mortgage Co.in XXXX. How could an underwriting Co clear me for financing at that time if there was a loan in XXXX. I do not know anything about the loan in XXXX. Thanks for your kind consideration to this matter. Blessings!

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 2020-05-01 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: KS

Complaint narrative:
I applied for the XXXX XXXX XXXX card the first week of XXXX, XXXX. With the offer on my XXXX XXXX XXXX there was a offer of XXXX points after spending {$2000.00} in the first three months. Rather than apply through the app - I was concerned about cyber security so called AMEX directly to apply for the card. I stated my reasoning for upgrading related to the XXXX points offer. I was approved for the card and was expecting to see the points after i spend well in excess of {$2000.00}. When i didn't i called to inquire : I called on XX/XX/XXXX and spoke withe XXXX # XXXX case was opened and would be resolved within 4 weeks XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX AMEX is no saying the issue has been reviewed and resolved and since " THEIR '' call taker did not mention the offer in the " conditions script reading '' that the dispute is denied. The offer continues to sit on my XXXX XXXX - they have charged me the {$95.00} annual fee. I have been probably a XXXX year customer of AMEX and XXXX . I called because of the offer on my XXXX App - i referenced the reason when i called - because THEIR representative didn't include in the fine print reading - I am denied???? Pure bait and switch advertising -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I applied for loan with XXXX , XXXX . It check my credit, it provided my credit scores to me on XX/XX/2020, It provided on that report Key Factors That Adversely Affected Your Credit Score, " TOO MANY XXXX XXXX XXXX ACCOUNTS. '' This quote was shown for both XXXX  and Equifax but not XXXX. I've never had such an account, and such accounts are normally associated with people who can not get low interest loans. My scores in the 800s. 

In tracking the cause down, I asked for and received 3 credit reports, one from each of the credit bureaus about XX/XX/2020. None of these reports showed any XXXX  XXXX  XXXX  ACCOUNTS. In speaking by phone to representatives of these entitities, they agreed that that my credit report did not show any such accounts but could not explain how that information was reported. Each also denied that it had any other report on me, which is contrary to conversations I had with FICO and CFPB representatives. I am unsure who is right but matters not. 

Everyone denies but no one can explain how adverse information got reported. I also spoke with a representative at XXXX XXXX XXXX who also denied knowing where this info came from and pointed to FICO. XXXX denied knowledge a few days ago but promised to call back after checking further but never did. Today, XXXX, Equifax denied any knowledge of how that info got reported. 

I chose to caption this as a consumer report as I've been led to believe that a consumer credit report, other than the actual credit report exists at the credit bureaus. Whether it does or doesn't, somebody needs to figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I scheduled a payment plan to pay {$150.00} on XX/XX/30. On XXXX, they took that payment and an additional {$1100.00} from my account. Taking my entire stimulus payment and leaving me in the negative. My rent check bounced and my other utility payments that I had set to clear the first week of XXXX will also bounce. XXXX XXXX XXXX  ... we cant do anything, call your bank. Ruthless predators that are taking advantage of people during a pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
During XX/XX/XXXX, I contacted American Express to request a payment plan for the outstanding balance on my account. They accepted my request. However, they did not complete the setup of the payment plan correctly. They excluded almost 25 % of the balance in error, and it started aging as unpaid. I have paid the monthly installment every month and not been late. I have contacted American Express every month to request correcting the amount that was excluded. They tell me every month that it is under review and someone will call me back. No one ever calls me back. In XX/XX/XXXX, I started calling every week. In XX/XX/XXXX, I started calling every day. Finally in late XX/XX/XXXX, they called me back and stated that there was nothing they could do and the amount shown as unpaid and aged more than 120 days and negatively showing on my credit report was going to have to stay that way. I requested a manager and director call me so I could appeal, and now they will not call me back yet again. I feel disempowered and the victim of terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sold something worth {$70.00} to someone and they chase quick pay'ed me the money and then they called Chase and said it was fraud. Chase thennclosed my account without even contacting me and I can't open an account there anymore. I've tried calling multiple times and going in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. XXXX  is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.

Company response to consumer: Closed with explanation