vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 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: NY

Complaint narrative:
In XX/XX/XXXX I submitted CFPB complaint ID : XXXX This is about repeated issues with Transunion adding incorrect information and derogatory accounts to my credit report. This has happened 4 times in the past 12 years.

After this complaint, Transunion fixed part of the problem - they removed the derogatory account from my report that was not mine, but they did not fix the underlying issue : They have the wrong SSN, Birth date, and several incorrect addresses in my account.

Although I called this out, they did not correct these errors. With the wrong identifying information they will continue to add incorrect accounts to my credit report. This is unacceptable. Its also very confusing why they can not see this problem. When I call transunion they identify me by asking for my social, they must know my correct social to complete this identification.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly ( 120 ) days late on the DPT ED/XXXX   accounts. ( Please see pages 3 10 of the credit report and spreadsheet of accounts attached. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these, however I have been unsuccessful.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I contacted Equifax, regarding methods of verification used, in supposedly verified debt on my report. Hey closed the investigation out in the collection agencys favor, without providing me with satisfactory proof of debt being verified. 

Now, I have two different accounts on my credit report, claiming to won the same debt, without one of them being sold or transferred.

How can this be?!?! 


This proves that the debt was not properly verified the number of times that I asked for it to be!! Please see attached proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: WY

Complaint narrative:
I contacted Portfolio to discuss a settlement for the account originally reported by XXXX XXXX, who stated they are not reporting the debt at all. I have waited more than thirty days but no response has been sent and I have had no contact. I am attempting to negotiate a settlement of {$200.00} for the account balance of {$460.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
This company, Portfolio Recovery Associates, has been calling our phone number repeatedly, every day, for the past 3+ months. After the first several weeks of allowing our call-screening to ignore the calls, my wife answered the phone once, and the " agent '' asked her to confirm her name, her address, and then asked for her age, whereupon my wife insisted to know exactly who was calling and why they were calling. The person said that they could not divulge any specifics until she answered all of their personal data questions. My wife refused to do so and told them to stop calling. Yet, we continue to receive daily calls ( sometimes waking us in the morning ) which now come from different area codes and numbers each time ( circumventing our call blocking ) and never leaving any message or details on exactly who is calling, why they are calling, or how to stop the calls. I have the Caller ID report identifying " Portfolio Recov '' with the number that they used for at least the past 10 calls. This is harassment. We have no unpaid debt, as a review of any bona-fide credit agency report strongly confirms. Please force this company to stop harassing us and apply whatever punitive measures are available to ensure that they comply with all consumer protection laws. 
P.S. They just called again ( from XXXX this time ) while I am writing this at XXXX XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Sychrony Bank send a credit card to an address that I lived at in XXXX from XX/XX/XXXX to XX/XX/XXXX in XX/XX/XXXX. The credit card was somehow activated and then {$5000.00} was spent at a XXXX area XXXX XXXX. During this time, I lived in XXXX MA. Not only did I not request, or approve this card, I physically could not have made those purchases. I called the company immediately because they contacted me suspecting fraud and they corrected the situation and closed the account. However 3 months later the bank denied by case and started charging me again. They will not resolve the case

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 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This bank treats me horibke I lost my job and they want {$500.00} when I call they say I qualify for a payment program for 5 years but then when they enroll me they say their system wont allow them I cancelled I told them the credit counseling and they say they dont see this is ridiculous

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2019 - I received a Default Notice from Specialized Loan Servicing on Loan # XXXX. That letter stated that in order to prevent foreclosure of the home and bring account up to date, I would need to submit the amount of {$40000.00} within 33 days of the dated letter. 

I had finally gotten all my finances under control so I decided to empty my XXXX and savings to get this account current. I called SLS to confirm the exact amount needed the cure the loan and was provided with the following number {$41000.00} which included the month of XX/XX/2019. I sent a cashiers check for that amount and confirmed receipt within the allotted time. 

A couple of days after I confirmed receipt of payment, I logged into my account to confirm my account was current, instead it showed that I still owed more than $ XXXX in the account. This was around mid XX/XX/2019 and ever since no one at SLS has been able to explain where the additional $ XXXX came from. They acknowledge that the payment was not properly applied yet, theyve proceeded to foreclose on my home based on that additional $ XXXX. 
I have sent letters to the CEO and EVP of operations and no one ever responds. When I call the resolutions department, they always promise to open up a ticket to get the matter resolved but it never does. 10 days later the ticket is automatically closed with no resolution. 

I have copies of the letters Ive sent, the emails and copies of statements and Its been now almost 5 months and my home is still in foreclosure. 

PLEASE HELP!

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 2019-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Approximately 20 years ago, my parents opened a Custodial Savings account with USAA in my name with my father as custodian. 

Approximately 10-12 years ago, as a young adult, I accessed my own USAA banking account and said savings account was associated with it. I was able to see balances and transfer money in and out of it under my own authority. I have continued to use this account without issue since that time. 

Today, I noticed that this account ( with {$810.00} ) was no longer appearing. USAA did not warn me this would happen. USAA did not notify after it had happened as to why. I had to call to find out what had happened to my money. 

They informed me that it was an error on their part - that I should have never been able to view the account and that said error had been corrected ( 10 years later ).  What about the money in it? The custodian would be responsible for making me whole. And by the by, they were oh so sorry it took ten years to notice this and that that we didn't warn you before or notify you after that we had fixed our mistake that very much affects you. 

Despite my ability to see and use the account be a mistake, apparently none of the transactions I initiated through it are fraudulent or due to be reversed. This seems like a load of corporate CYA that I would love to have satisfactorily explained to me. 

Further, I was relying on money in this savings account to top off my checking account to cover an auto transaction that has posted but is pending. Obviously I may no longer be able to clear this transaction through my checking account because I - without warning - can't access the money in my savings account. The representative implied that the best solution would be to have the custodian transfer the money back to me - which may or may not happen in time. He would not commit to USAA eating any fees associated with a possible overdraft. 

I have been led to believe that this was a systemic error - mine was not the only account impacted. I am fortunate in that the custodian is still living and I maintain a good relationship with him. USAA seems to have had no contingency for situations in which the account holder and user can not contact the custodian.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have 3 credit cards with Capital One. All of these cards have an annual fee. I contacted Capital One and have tried to get the company to transfer these cards to cards to ones that don't have any annual fee. I was told to call back close to the time the fee would be due to check on any available cards that would be without a fee. I tried this many times as the fee on each card would become due. It was a complete was of time. I explained to them that I live on a fixed income and these charges are difficult for me to pay. I have no balance on these cards and the only thing I have to pay is their annual fee. All other credit cards I have there are no annual fees. JUST CAPITAL ONE. You would think they would have some understanding and want to help. I explained to them I don't want to close these cards because that would damage my credit score. Can anyone help me. I was only able to list one of the 3 credit card numbets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: WA

Complaint narrative:
Diagnosed with XXXX XXXX XXXX. mortgage had just been sold to new Servicer,  Midland Mortgage . I was unable to work due to weekly XXXX treatments and XXXX wouldn't start until XX/XX/2019. Husband also on XXXX. We contacted mortgage company immediately. We made XX/XX/XXXX and XX/XX/XXXX pmts. Went into the hospital in XX/XX/XXXX for XXXX. Stayed in contact with their DAC who agreed to let us make modified payments until my XXXX started. We made all those payments on time. Midland did not report anything to the credit bureaus until after we started the repayment program in XX/XX/2019. At that time unbeknown to us they reported us late for 2 instances, 60 days in XX/XX/XXXX and again 120 days in XX/XX/2019. We prequalified for another home loan before putting our house on the market at the end of XX/XX/2019. We were given a prequalification letter so continued with the house sale. After house was sold and closed, we were supposed to close on a new home within days only to have the loan pulled by underwriting due to the way Midland had reported our forbearance plan. Now we have nowhere to go and are unable to obtain another home loan. We would have never sold our original home had we known.

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 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear paypal you previously said on this CFPB claim case # XXXX : " You will need to withdraw your funds to a XXXX XXXX. ( End of Quoting ) ... I can not put my XXXX, can you please FIX your glitch because Paypal system says : " We're sorry. We're not able to process your request right now. Please try again later. '' ( see picture attached ). ALSO I uploaded my authentic XXXX national photo ID already to comply with Paypal limitation. I just want my money to be transfer to another paypal account or to be transfer to my XXXX XXXX account, I have waited Unlawfully more than 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Transunion ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
We closed on hour house in Tennessee on XX/XX/19. Our payoffs to the Mortgage and HELOC were applied on XX/XX/19. The Mortgage was cleared out immediately, however the HELOC had an over payment. I called in to XXXX XXXX the week after that and was told it would take XX/XX/XXXX business days to receive a refund check. After that time had elapsed, I called again and was told that I would have to wait until the statement cycle ended then it would be XX/XX/XXXX business days to receive a refund check. I called today XX/XX/19 and was told now that it will take 45 days from the end of the statement cycle, with 5 days off so now I have to wait another 40 days for them to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting incorrectly a collection on partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. XXXX is reporting correctly. I have attached a copy of the deletion letter from XXXX and respectfully request that Experian remove this line item from my credit report. This reporting of a collection that does not exist is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing this due to non-compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Messerli & Kramer received a judgement against me for a XXXX credit card in the amount of {$740.00}, they started garnishing me XX/XX/2018 and had a stop date of XX/XX/2018 and received the garnishment XX/XX/2018. Messerli & Kramer has failed to update my credit report & took over one year to close my judgement, with me even filing with the courts against them and complaining to my local attorney generals office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Again today ; XX/XX/2019 I tried to sign in my Wells Fargo online account information. It did not recognize me again. I just was re-instated on XXXX XXXX as Wells Fargo sent me a notice there was suspicious activity on my Card in XXXX. I tried to call when I received the Letter via USPS explaining this and my card was placed on hold .. I called and left a message. At that time as the signer wasn't there. He returned my call and refused to talk with me as I could not provide my Verbal password I reset in XX/XX/2019. It had been blocked as it was invalid since XX/XX/2019. It seems when I make an XXXX Purchase. XXXX  XXXX and / or XXXX submits two seperate charges. One for the Purchase for the Product. One for TAXES. Wells Fargo sees this as a breach. I've been breached at Wells Fargo 7 times IIRC.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
A freeze is supposed to remain in place until you ask the credit bureau to temporarily lift it or remove it altogether. If the request is made online or by phone, a credit bureau must lift a freeze within one hour. On XX/XX/XXXX, I made an online request to Equifax to temporarily lift my credit freeze for XX/XX/XXXX. Equifax utterly failed to do so even though it repeatedly confirmed orally and online that the freeze was lifted because my prospective lender ( XXXX XXXX ) tried repeatedly to see my credit file but said she could not do so. In disgust, I made an online request mid-day on XX/XX/XXXX to permanently lift the credit freeze. However despite repeated assurances online and over the phone, my lender could not read my credit file either on the afternoon of XX/XX/XXXX or all day today XX/XX/XXXX. 
Equifax says it lifts a credit freeze within one hour and on my online Equifax account MyEquifax it appears to do so. But practically the freeze stays on longer than that because my lender can not read it. A few minutes ago I made my sixth call to Equifax asking why the credit freeze has not been lifted. Now Equifax is requiring me to complain to them in writing and to send them my social security card and my drivers license because I supposedly can not confirm information in my credit report -- a credit report I reviewed in detail yesterday and this morning and even disputed some outdated employment information in the file today. What is wrong with Equifax?

Company response to consumer: Closed with explanation