vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had a PAID membership with Experian since 2016 and, have recently been running into problems with the billing department. They have been charging 5-6-7 times in a single cycle. When I call them to confront the situation they say it's my fault but, they will refund the money. Well, it just happened again. And, I'm sick of it. This time when i called they hung up on me several times. Didn't refund all of the money they took without authorization. And, they cancelled my credit membership without my permission. They are rude, incompetent and frankly shouldn't be in business.They are STEALING my money. And, I plan to press criminal charges and file a civil lawsuit, if this is not fixed immediately. They are also failing to respond to my disputes in the time permitted by FEDERAL LAW. They are letting inaccurate information be reported to my credit. Also, a violation of the FCRA.

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 2020-05-28 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: AL

Complaint narrative:
TransUnion was sent a dispute on several hard inquiries on my credit report via certified mail on XXXX. They didn't respond with the 30 days required by federal law. I contacted them on XXXX and they stated that they had 30 days from the time they processed the claim which is not true. And that they can't process thousands of letter per day because of covid 19. They actually sent the response to the wrong address. in the certified letter a copy of my DL and power bill was submitted.

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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I was scammed on a pup adoption website ( XXXX ) for a good amount of money. The money transfer was done through XXXX and the day of the purchase ( XXXX ) I found it was a scam and submitted a report to my bank ( Navy Federal ) with emails of the transactions that had occurred immediately. After emailing and calling the other party for the rest of the day with no response the bank was not able to get my money back through my fraud claim. I have tried requesting the money back through XXXX and everything else but I still have not gotten my money back and my bank refuses to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EMBRACE HOME LOANS
State: PA

Complaint narrative:
Embrace Home Loans I was given good faith estimate on XX/XX/XXXX for XXXX with my closing cost to be XXXX minus for any out of pocket costs for inspections etc. at closing. {$530.00} for appraisal, {$400.00} for home inspection & {$50.00} for pet inspection. This was not honored. 
My contract was written for XXXX closing cost XXXX, I was not reimbursed for my out of pocket costs as promised and I had extra expenses tack on at the last minute. I was not given my final numbers until about XXXX on XX/XX/XXXX and my closing was settle for XXXXXXXX on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 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: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I have filed a complaint with the three major credit bureaus and the investigation took well over 30 days.

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I contacted Chase Credit Card on XX/XX/XXXX via my account to request a response for the " Purchase Interest Charges. '' Since XX/XX/XXXX, I have been charged {$420.00} in " Purchase Interest Charges. '' I am about half my credit limit and make payments before they are due and far above the minimum amount. This is the only credit card I have. 

I received a response on XX/XX/XXXX. I responded to them on XX/XX/XXXX after no action was taken to remove the " purchase interest charges. '' I received a call from " XXXX '' on XX/XX/XXXX from the Chase Credit Card Executive Office. After discussing the additional monthly charges, he offered to remove the most recent one XXXX XXXX for {$100.00} ) but indicated the charges would continue as long as I have not paid the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have a business account with Wells Fargo that includes 2 checking accounts and 3 credit card accounts. 

To complete XXXX taxes our accountant needs the credit card transactions for XXXX - XX/XX/XXXX in a format that can be imported by his accounting software ( e.g. 
csv format ). 

Logging into Wells Fargo 's on-line system we are able to view all accounts on-line. 
There is an option to retrieve transactions both as pdf statements as well as csv files, when that format is required. 

We have tried to retrieve the csv files for the 3 credit cards on that account for transactions from XX/XX/XXXX to end of XX/XX/XXXX. When the downloads complete the only data provided is for XX/XX/XXXX up to the current date. 

After calling Wells Fargo to complain about this issue we are told that those transactions are no longer available and the only information available to us are the pdf files which cover all of XXXX. 

It it is inconceivable that Wells Fargo deletes credit card transactions more than 5 months old from its database, which is what we were told. 

This appears to be a matter of Wells Fargo instituting an arbitrary cut-off period for which it generates the csv data required by its customers for the previous year. 

Many individual 's would likely need that information for tax purposes and having someone renter the data from the pdf files that Wells Fargo makes available is costly and time consuming. 

We would appreciate CFPB 's view on this matter. 

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX are reporting a chapter XXXX bankruptcy but Experian is showing a XX/XX/XXXX discharge and XXXX  is showing a XX/XX/XXXX filing. Neither is accurate. I dont have a discharge or a filed open bankruptcy. I went to the court and saw this information is not true. The clerk of the court said they do not give that info to the agencies either. Both companies said the saw on XXXX  XXXX. I complained to XXXX  XXXX, they changed it and recommended I freeze my file. I did last year. Both agencies have not removed. I even sent a copy of my XXXX  file to them showing it is not on there. They are still quoting the XXXX XXXX  file, I have demanded they forwarded me a copy of that report, they have not

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently applied for credit and i noticed that this credit card reported a late payment in XX/XX/2019. As a 30 day late pay. I do not agree with this at all. I do not recall ever paying late especially over 30 days late. I demand they immediately remove this erroneous late pay from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: NV

Complaint narrative:
I see ample amount of account showing on my credit report that I have never opened

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 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Coorrespondence was XXXX XXXX PHH CEO XXXX XXXX, for assistance regarding the payoff balance described in a XX/XX/XXXX PO notice. The current PO balance is {$450000.00}, The original balance was {$450000.00} in XXXX, There is zero credit for 15 years ( 180 mos ) of making payments. There have been missed payments due to a bankruptcy in XXXX and the reduced work ability resulting from my XXXX diagnosis with XXXX  XXXX and my earning ability is now further impacted by the COVID 19 pandemic. 

The loan was originated in XXXX, with an original principle balance of {$450000.00}, with a 30 year term at 4 % interest rate. Based on those terms, the loan would have had an amortized balance at month 132 ( XXXX - XXXX ) of XXXX, plus missed payments at the time a modification was executed in XXXX Based on the XXXX Home Affordable Modification Agreement ( HAMA ) with Ocwen Loan Servcing LLC, the then existing principle was adjusted to a new balance of XXXX. ( a ) What was the existing calculated principle balance a time of modification? ( b ) how much was added to the principle balance? Is there a payment history record from XXXX to XXXX from the original servicer, XXXX XXXX? Also, I was never provided a dated, lender/servicer signed HAMA document

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On Wednesday XX/XX/XXXX, I had downloaded an investment app and had gotten a free stock. When I tried to deposit the money into my bank account, it said that it your bank made a change that prevents me from adding the money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: NV

Complaint narrative:
I see ample amount of account showing on my credit report that I have never opened

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 2020-05-28 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: NV

Complaint narrative:
I see ample amount of account showing on my credit report that I have never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I was setting up my checking account with a program called XXXX   XXXX, created by XXXX which sues robocallers. But while connecting my account, I got the following error message : PNC Bank has made a change that prevents you from being able to link your accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: NJ

Complaint narrative:
On XX/XX/XXXX, I obtained a copy of my credit report from Experian. After attempting to update my personal information that was reporting inaccurately, I received results in the mail from Experian dated XX/XX/XXXX. None of my personal information was updated, nevertheless, I noticed several accounts were reporting inaccurately and I knew specific accounts reporting was not mine. On my XX/XX/XXXX copy of my report, XXXX was reporting an account number consisting of 12 digits which I knew was inaccurate. However, I noticed that the account number was changed from 12 digits to 16 digits. I also noticed that XXXX was reporting an account number consisting of 12 digits and I noticed that the account number was changed from 12 digits to 16 digits on my XX/XX/XXXX credit report. After disputing my personal information a second time, on XX/XX/XXXX, I disputed four inaccurate accounts which were XXXX, XXXX, XXXX AND XXXX with Experian via U.SXXXX certified mail. Experian sent results in the mail dated XX/XX/XXXX deleting the XXXX  account and claiming to have verified the XXXX, XXXX and XXXX accounts. On XX/XX/XXXX, I sent Experian a letter requesting for a re-investigation to be done on the verified accounts by providing actual proof ( i.e., a note, contract, instrument ) for the alleged verified accounts. On XX/XX/XXXX and XX/XX/XXXX, Experian responded and refused to provide actual proof as to how they verified the accounts. Their response letters just stated that the accounts were verified. Experian completely disregarded my dispute and just sent the same generic computerized verification response as they did my previous request. Due to Experian failure to properly investigate my dispute and remove the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future. XXXX deleted the accounts from my report because they were not verifiable.

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 2020-05-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I received an email from XXXX XXXX that my score had changed. When I went to the Equifax site I could not log in because I forgot my password. There is a reset button that I clicked to get an reset by email. The email never came. When I called I got an automated line that started off in English but continued in XXXX for the remainder of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I recently applied for credit and i noticed that this credit card reported a late payment in XX/XX/XXXX. As a 30 day late pay. And in XXXX XXXXas a 30 day late. I do not agree with this at all. I do not recall ever paying late especially over 30 days late. I demand they immediately remove this erroneous late pay from my credit reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've disputed a judgment reporting on my credit report. This judgment is in violation of the FDCPA to my rights to privacy pursuant to the Privacy Act of 1974, and this judgment is also defamation. 

Note : Generally, defamation is a false and unprivileged statement of fact that is harmful to someone's reputation, and published " with fault '' meaning as a result of negligence or malice. 

I've asked the credit bureau for verification and they have not sent any proof of verification yet they refuse to remove this judgment. 

I then went to the United States Bankruptcy Court and was given a written statement claiming they do not validate nor verify any recorded documents to credit bureaus or third parties. 

So this judgment is reporting erroneously and its only intent is to cause harm to my character and reputation. Because this item is reporting erroneously it is in fact keeping me from job opportunities and other financial endeavors, which can only be defamation and an ill way to slander my character. 

I have sent letters to the bureaus letting them know that if this is not resolved I will have to take legal action and it may result in a law suit for defamation, negligent enablement of identity fraud, and violations of the fair credit reporting act.

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 2020-05-28 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: AL

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i was a victim of Identity Theft And Its Seems as they are still trying to apply for credit using my Information i have a Fraud alert on my credit Files they just tried to apply for credit with the inquiries that i did not give consent

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 2020-05-28 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: AL

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. PLEASE SEND ME AN UPDATED COPY OF 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 2020-05-28 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: AL

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. PLEASE SEND ME AN UPDATED COPY OF 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