vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Name is XXXX XXXX XXXX, XXXX My Father was XXXX XXXX XXXX . He passed away XX/XX/XXXX. 
Our company XXXX XXXX , XXXX has a XXXX XXXX XXXX Charge Card since XXXX. I  took over as the Primary Responsible party after his passing. 

8 months ago ( XX/XX/XXXX ) XXXX first suspended my XXXX XXXX XXXX XXXX account stating I was deceased based on a report from Experian. They have subsequently reinstated it various times. 

XXXX says they are only reacting to Experians Monthly Electronic Filing that updates them every 30 days. 

XXXX says that the monthly Experian report shows the FICO Score and other derogatory notes like bankruptcies or in my case a score of 1 that indicates deceased. 

XXXX Told me to request a long form credit report and Experian gave it to me. I also spoke to specialists at Experian. According to Experian, No noticed associations with XXXX XXXX, XXXX or mixed SS # s/DOBs appear on my Credit Report Spoke to Experians special consulting department again on XX/XX/XXXX who reassured me there is no indicator of me being deceased on my report or associated w/ My deceased Father. 

In the meantime, I view all 3 bureau credit scores on my own that are over 800 and have purchased 2 cars and received a credit card line increase in the same period. 

ONLY XXXX has an issue with my credit report according to what they claim Experian is sending them- While Experian states nothing is showing on their end. 

I don't know what else to do to resolve this issue with XXXX. I have consulted all 3 Credit Bureaus multiple times for hours and hours over the phone, received credit reports and noted every item is correct. Until this is resolved, XXXX could suspend my XXXX XXXX account which would impede the way our business runs as we use this card for several recurring monthly charges and subscriptions. 


If necessary, I can be reached at XXXX. 

Thanks, XXXX XXXX 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 2019-07-19 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: NY

Complaint narrative:
On Friday, XX/XX/2019, I tried to transfer my American Express Membership Reward Points to one of the transfer partners. I immediately got a message stating : " This action will not be completed at this time, because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I've reached out to American Express numerous times and was told that the review could take 6-8 weeks. Well, it's been over 12 weeks, and several phone calls later, and as of today, XX/XX/2019, my MR points are still frozen. 

Can someone please tell me whats happing with my points, and when I'll be able to use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I.C. System Collections is attempting to collect a debt for XXXX. This is the 3rd time a collection agency has tried to collect a debt for XXXX for a account that XXXX keep claiming I have in the state of Florida. I recently filed a police report that was sent to XXXX yet the company is still sending collection agencies a a debt that don't belong to me.

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 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
I have been receiving at least 3-6 robo calls per day from numbers purporting to be in XXXX XXXX or XXXX Maryland telling me I owe a debt. They instruct me to phone a toll free number which resolves to Midwest Recovery Systems. I dialed XXXX. I asked the person who took the call to inform me as to who the creditor is. The person was XXXX and tried to intimidate me. He asked for my name which I was hesitant to give because he could look it up by the phone number. He said he had to ask because of the Privacy Act, which I know to be untrue. I did give my name. He then asked for my date of birth, which I declined to give him because it is XXXX. He then said he couldn't help me and hung up. 

I want the harrassing phone calls to stop. If there is a legitimate reason to call me this often, Midwest Recovery Systems must identify the creditor. They have never written to me. The XXXX XXXX XXXX recently suspended their accreditation for this very reason. Please make it stop. 

I do not want to provide any part of my SSN to this company because I do not trust them. My phone number is included in this complaint. They seem to be able to find that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/2019 at XXXX, I was contacted by Portfolio Recovery Associates regarding a debt. I confirmed with them that they were speaking to XXXX XXXX, but did not live at the address provided. I told them not to contact me again about this debt On XX/XX/2019 at at XXXX, I was again contact by Portfolio Recovery Associates regarding a debt. I confirmed that they were speaking to XXXX XXXX. When I asked what company the debt was with, they refused to provide any information. I let them know I was going to file a complaint with the CFPB if they did not stop contacting me because I do not live at the address that they stated on the phone. 

If this debt is related to XXXX XXXX, I filed a previous compliant with CFBP against XXXX  and their debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX in compliant XXXX. 

I am also trying to find out how they are getting my personal phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I ended employment with XXXX early XXXX. I keep contacting XXXX   XXXX to get my 401 transferred or cashed out. I keep getting the employer hasnt sent us information if its too long we will contact them. Why hasnt XXXX XXXXXXXX  called XXXX to verify my termination so I can access the funds which I put in!! Instead they rather sit on my funds and benefit from the interest it draws!

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 2019-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mortgage is with Wells Fargo, I was offered a loan modification XX/XX/XXXX, which I did not go thru with I was presently in an active bankruptcy during that time chapter XXXX. I continued to make my trustee payment to the trustee during this time and the trustee would disburse funds to Wells Fargo, life happened and my bankruptcy was dismissed XX/XX/XXXX, I had to refile XX/XX/XXXX a new bankruptcy chapter XXXX case. My1st trustee payment was due XX/XX/XXXX I was still making my mortgage payments the trustee and the trustee would disburse the funds to Wells Fargo my trustee payment increased and I was becoming difficult to make so I decided to reach out to Wells Fargo in XX/XX/XXXX to inquire about doing a loan modification I submitted the necessary documents and was told my file was being reviewed. I contacted Wells back the beginning of XXXX and was told that I would be offered the same modification from XX/XX/XXXX, there would be no review. I was like good that means my bankruptcy case can be dismissed because with the loan modification my mortgage will be brought current and there will no longer be arrears. I contacted Wells Fargo from XX/XX/XXXX, weekly up until this past Wednesday XXXX, each time I called I was told your loan is still under review we are trying to work out the finally # 's. That was the response each time. So by this time my bankruptcy case is pending dismissal as of XX/XX/XXXX, so now as today XX/XX/XXXX my case is pending dismissal because of the simple fact I was told by several people at Wells Fargo that I would receive the loan modification from XX/XX/XXXX, without advising me that I would need to pay {$12000.00} I don't have that type of money and I found this amount out on XX/XX/XXXX I'm raising XXXX of my grandkids and I can't afford to loose my home, I feel like all of the time I was contacting Wells I was not advised of the amount that I would have to pay and now I'm being told I could be reviewed for a loan modification with a new review but there is no guarantee that I will be approved. I know things happen in everyone 's life I'm simply requesting a loan modification with the arrears being added to the end of the loan I don't have {$12000.00} to pay Wells Fargo or anyone with that being said and to file another bankruptcy would cost money and the trustee payment would be to expensive.

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 2019-07-19 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: FL

Complaint narrative:
I have sent letters to these three companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. I called TransUnion customer service would not help and take care of the negative inquiries reporting to your credit report. 

XX/XX/2019 XXXX XXXX XXXX XXXX Tx XXXX XX/XX/2019 XXXX XXXX XXXX XXXX , NC XXXX XX/XX/2019 XXXX XXXX XXXX TX 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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have called/written to dispute this inaccurate information on my credit report and let them know this information is inaccurate. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, The XXXX 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 2019-07-19 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:
I did not authorize any of these accounts I've been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have attached numerous times a copy of my utility bill with my disputes through CFPB and Equifax states that they have not received not one document that I have downloaded to prove that this address is not one of mine. Equifax removed information from my report and reinserted the erroneous information again although I sent in proof of my address. XXXX account is not my account I do not have a mortgage loan, I do not live at XXXX XXXX XXXX XXXX, XXXX ohio XXXX. I requested credit applications bearing my signature and XXXX failed to send my what I requested. I am tired of going back and forth this is RIDICULOUS! No one is doing there job! I don't understand why going through CFPB makes a difference because it does not! I have sent in documentation several times and still there is erroneous accounts on my credit report that is damaging! The CEO of Equifax is XXXX XXXX I wonder did he go through this process when there was a breach in Equifax! I have attached for the last time a copy of my utility bill. NEVADA IS MY HOME AND IT HAS BEEN FOR SOME YEARS! REMOVE XXXX, ANY AND ALL ACCOUNTS THAT IS LINKED TO XXXX XXXX XXXX XXXX, XXXX OHIO XXXX AND REMOVE XXXX XXXX XXXX, XXXX OHIO XXXX WHICH I HAVE NO CLUE WHO ADDRESS THAT IS! I WILL BE SEEKING LEGAL REPRESENTATION! DO NO SEND ME A EMAIL STATING THIS XXXX IS VERIFIED WITH NO DOCUMENTATION! DO NOT SEND ME A EMAIL STATING IT IS A DUPLICATE IT WAS NOT RESOLVED THE FIRST TIME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank refuses to allow me, XXXX XXXX the coborrower on the loan to pay to avoid defaulting on the mortgage. I've attempted to pay both online and over the phone.

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 2019-07-19 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:
I did not authorize any of these accounts I've been a victim of identity theft

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 2019-07-19 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:
I did not authorize any of these accounts I've been a victim of identity theft

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 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I noticed that my bank account was less than it should be. I contacted my bank and they stated that there was a writ of execution on there! They provided me with the company contact information so I called. They said that there was a judgement against me back in XX/XX/2013. I asked if there were other options for payment and the woman said NO, we will not release the funds. I again asked if there were other options for payment. She again said No. I reminded her that this judgement was from XX/XX/2013 and she said it doesnt matter we have so long to collect and we will not be releasing the funds! I was never notified and they would not offer any alternative methods of payment then the one lump sum they were holding!

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 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I inquired to caliber home loan about email they sent saying they can drop my mortgage insurance and lower payment on my current mortgage.On the phone loan consulatant XXXX said there is no costs but {$190.00}. I pulled over as he said he must wait on the line while I initial documents online and he can change anything going forward such as term amount etc. I asked about closing costs and was told there were no costs other than {$190.00} as they already have mortgage on house and are simply refinancing. After reviewing it they were tacking on an extra {$10000.00} to my loan for closing costs and XXXX said they would be waved or reversed. So in addition to {$10000.00} closing costs my interest rate would be even HIGHER if I refinanced. So within 30 minutes after I told him I wanted to cancel via phone and numerous emails. The Following day XXXX continued to process loan even after I told him I didn't want to go forth especially with paying higher interest and putting an extra {$10000.00} on refinance loan. I contacted his boss XXXX who then after I told him why I didn't want to proceed asked me why not and continues not to stop this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have called/written to dispute this inaccurate information on my credit report and let them know this information is inaccurate. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was issued a refund in the amount of {$2200.00} from paypal to a CLOSED XXXX XXXX checking account on XX/XX/2019. Once I discovered this error, I went to a local XXXX XXXX branch in mid XX/XX/XXXX. They told me that if the account was closed then the funds would have been returned to paypal. So i called paypal many, many times requesting a trace. They said the funds went to the bank and they do not have them. This issue has been going on since XXXX when paypal would not allow the order to be refunded. I then filed a complain with the Pennsylvania attorney generals office which you will see the result in the attached files ( if i can attach files ).  I don't know what else to do besides file this complaint as both paypal and citizens bank keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: DISCOVER BANK
State: GA

Complaint narrative:
This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX XXXX XXXX XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX I filed disputes re false information on 4 accounts which resulted in sub par credit which has disqualified me from over 85 housing options and explained the urgency of situation since will be homeless as of XXXX. The creditors- XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX has sent documents and followed up in every way possible. I have done the same. No updates have been added to reports. 
My experience with Experian has been even worse.

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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Sterling  Hill Financial
State: DE

Complaint narrative:
This company is making me keep a 6 month contract with them for {$120.00} a month but they are only disputing one thing. For example, this month they only disputed XXXX. Also, I was laid off and can not afford the service so instead of them letting me stop using them, I have to pay them {$240.00} in XXXX. I believe I should pay only for service they are providing. I paid for XXXX which they did services for but I no longer want there service and they haven't done any service since XXXX when I paid them. 

Also, I was mislead because I signed up for who I thought was a XXXX " XXXX '' XXXX XXXX XXXX but turns out he is not actually doing the repair but Sterling Credit Group is. So I was mislead because I thought the XXXX XXXX  would be doing my credit. The XXXX advertised his credit repair on his channel through his website XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation