vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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: TX

Complaint narrative:
I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF 2 ACCOUNTS ( XXXX XXXX XXXX  and XXXX  XXXX XXXX NA ACCOUNT ). I had disputed this issue with Trans union bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The accounts are visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. 
Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, 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 explanation
Consumer complaint received 2020-08-12 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been having issues with this collection agency for sometime. They refuse to show any documents or the original contract. The account still reports inaccurately to my credit report and I have sent them a letter stating that there are many errors with the way it is being reported to all 3 credit bureaus, from the account status being reported as open when it is a collection and a collection account CAN'T be open if it is an account that was already charged off. To payments being reported as well or late payments being reported when the account is a collection how are there payments being made? There are many errors and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2020 To Whom This May Concern : I've spent last three days starting on XX/XX/XXXX trying to find out why my Vantage Score displayed on the Chase Credit Journey dropped from XXXX to XXXX practically overnight. I've contacted XXXX who is the credit bureau connected to the Chase Credit Journey website and Chase Customer Service then Chase Credit Specialist Unit and also the Chase Credit Journey Customer Service. I've ordered all my credit reports from all the three credit bureaus and there wasn't anything significant on any that would indicate a decline of 139 points. I have disputed a few minor discrepancies such as wrong telephone numbers or addresses and they were addressed. I have also been told by the credit bureaus that my score was unavailable with no explanation. I've never made a late payment on my only credit card, Chase Freedom or applied for a loan, mortgage or anything as of the like, period. I've asked for advice from Chase and XXXX and was told to ask a Licensed Credit Advisor.  I'm on Social Security Disability and by no means can afford to pay a Credit Advisor. Someone needs to give me an explanation for all this confusion and take responsibility for this mistake or mix up. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
My health insurance was having trouble getting a correct bill from the medical provider XXXX XXXX XXXX. They finally got a final bill AFTER I was sent to collections. They never gave me the opportunity to pay prior to going to collections which I explained to both the Provider and the Collection Agency. After months of going back and forth and proving I should've had a {$0.00} balance I ended up just paying with the promise that they would delete this from my credit since the accounts should've never been there to begin with. Now a month later they STILL have not deleted the collections and refuse to. They refuse to give me any information to their CEO to escalate the issue and they refuse to give me their corporate info so I could file a complaint with them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To Whom It May Concern : I have been a customer of TD Bank for 25 years, although originally XXXX XXXX. I can say that the customer service and operations of the bank have gone completely down hill since XXXX was acquired by TD. 

I had a overdraft line of credit from TD Bank on my checking account, which I had for nearly 20 years. That account had fraud on the account, and needed to be closed. At that time, I was unable to use my overdraft line with my new account. I paid the balance down to {$4.00}, but was unable to pay the final balance online from my account as I have done for 20 years. Since I was unable to pay and I did not receive a payment due notice, I did not make a minimum payment, which would have been {$0.00} or less, based on the balance. This occurred in XXXX of this year, right as XXXX XXXX was becoming an issue and as bank branches were closing. 

I downloaded a credit report in XXXX due to a potential loan for a boat and realized there was a 60 day late payment on my account from TD Bank. I was not notified there was a payment due, the payment was late or they were adding late fees of {$5.00} per month on my account. I had significant funds in my other 6 TD accounts to be able to pay the balance, which I wasn't able to do through TD 's website or normal channels. I spoke to TD and on the phone, they were able to have the balance paid from my existing accounts in XXXX. They requested I send a letter, which I did, to dispute this from my credit report. In the prior 25 years, I had never made a late payment to XXXX Bank or XXXX bank on any of my loans. They responded with a from letter that the dispute was rejected. 

This negative payment, the only one on my credit report, is causing my credit score to be as much as XXXX points lower than it should be. It is causing me to have significantly higher on any loans I have applied for, including a recent RV, which caused my interest rate to be 8.5 % versus 5.99 %, meaning I would be paying an extra {$500.00} per month for no reason. 

I tried reaching TD Customer Service last week and spent 5 hours being bounced around, having my calls dropped and never being able to speak to the correct person to try and get this dispute resolved. I believe this both a violation of standards a bank should use in allowing customers to pay their bills, to notify them of potential violations before it would affect their credit or using common sense to avoid an issue with a 20 year client. 

I am hopeful the CFPB can at least get me to speak to someone at TD Bank to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
I have sent many disputes to the credit bureau 's regarding this matter. XXXX XXXX has already removed the account from my credit report but Equifax and XXXX refuse even though the account is not accurate. XXXX XXXX removed it because they saw the inaccuracies and removed it from my credit. I am filing this complaint because Equifax and XXXX  won't remove it even though my disputes to them have pointed out all of the inaccuracies. 

The account in question is from XXXX XXXX XXXX, Account number XXXX which shows a balance of {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Mortgage was recently sold to Specialized Loan Servicing ( SLS ). Within 45 days of assuming the mortgage, payment in full was made to SLS. The mortgage was paid in full on XX/XX/2020. Immediately thereafter SLS was contacted regarding the return of escrow funds held by SLS, method of payment for the return of the escrow funds, and verification of the address where the funds were to be sent. SLS indicated that a check would be sent to the verified address no later than 15 days from the date of the payoff. In early XXXX I contacted SLS as I had not received payment nor I had I received any correspondence from SLS. I was told SLS had sent the refund check to the verified address on XX/XX/2020. I asked for tracking information and was told they could not provide any. In XXXX I again contacted SLS as I had not received the escrow refund. I was told a stop payment would be put on the original check and a new check would be sent out. On XX/XX/2020 I again contacted SLS as I still had not received the escrow refund check. During that conversation I was told that no stop payment had been placed on the XX/XX/2020 check and that no new check had been sent. I was told that a stop payment would be placed on the XX/XX/2020 check and a new check was being sent out that same day ( XX/XX/2020 ). I asked for the check to be sent via expedited shipping and was told that could not be done. I asked for verifiable tracking information and was told that could not be done. I asked for the amount to be sent via direct deposit and was told that could not be done. I again contacted SLS on XX/XX/2020 as no check was received to date. During the conversation on XX/XX/2020 I was told that a check was not sent on XX/XX/2020, but a check was sent on XX/XX/2020. I asked for verifiable tracking information and was told there was none. I asked for the amount to be directly deposited and was told that could not happen. At that time I advised SLS they were directly in violation of regulations regarding escrow funds to be returned within 20 days and that I was demanding a check be cut, sent over night, and tracking information be provided. SLS was told that if these conditions were not met I would be perusing legal action against them. SLS responded that they would not put a stop payment on the check unless it was at least 30 days old and that they would not send a new check let alone overnight one or provide tracking information. To date no refund check which has supposedly been sent three times has been received. At this time I feel legal action is my only recourse. SLS stated they did not care when told I would be seeking legal action against them.

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 2020-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In XXXX, my mortgage company increased my mortgage payment for 36 months to cover an escrow arrears. 12 months later ( XXXX ), another escrow analysis was done ; my payments were adjusted, I paid ever dime they told me I needed to pay. 12 months after that ( XXXX ), another analysis was done, my payments were adjusted, I paid every dime of the increased amount. 

Here it is XXXX, and my escrow shortage was reported to be {$2000.00} ( it was {$5000.00} in XXXX )! 

All I'm asking now is to spread my extra payments over 36 months, not 12.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent many disputes to the credit bureau 's regarding this matter. XXXX XXXX has already removed the account from my credit report but XXXX and Experian refuse even though the account is not accurate. XXXX XXXX removed it because they saw the inaccuracies and removed it from my credit. I am filing this complaint because XXXX  and Experian won't remove it even though my disputes to them have pointed out all of the inaccuracies. 

The account in question is from XXXX XXXX XXXX, Account number XXXX which shows a balance of {$9000.00}.

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 2020-08-12 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: MI

Complaint narrative:
My Name is XXXX XXXX my number is XXXX I have not been able to do anything or get anything with my credit report because of identity theft which I have filed before back in 2003 and still on and off. So hopefully I can actually get some assistance with this this time last time the change XXXX XXXX XXXX with identity theft but no credit agencies fix my credit but yall keep allow him to get stuff in my name even after I have reported it. Know hes back to his old tricks and I found out hes up to it again. His current address I found out is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX North Carolina XXXX. And phone number XXXX XXXX XXXX XXXX also have aliases

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 2020-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
A full explanation is to be found in the attached correspondence, which was sent to FedLoan Servicing directly, however, please accept this summary. In XXXX FedLoan Servicing confirmed that my employer, the XXXX XXXX XXXX, was a qualifying employer under the XXXX XXXX XXXX XXXX program. They confirmed this several additional times via annual recertifications. In XXXX, nearly five years into what would have been a 10-year repayment schedule, I received a letter stating that they had certified my employer 's eligibility in error and were retroactively withdrawing credit for all of the qualifying payments I had made to that point. 

I made career and repayment decisions based on the certification of my employer 's eligibility and planned on loan forgiveness after making 120 monthly payments. As a result, I worked in a XXXX XXXX XXXX and earned less income than I might have otherwise. I also participated in the recommended repayment program and made lower payments, which resulted in interest adding to the balance of my loans faster than I was repaying them. 

This exact issue was litigated by the XXXX XXXX XXXX, which prevailed on the basis that the Department of Education had harmed borrowers and violated the law. I sent a formal appeal letter to FedLoan Servicing describing the situation and the harm they had caused me but was sent a form rejection letter. Upon calling to discuss the matter further one of their customer service agents said something to the effect of my letter being " bla bla bla. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
opened a new Lowes home improvement store card with Lowes.  purchased a stove and found out employee range up wrong stove on same day XX/XX/XXXX. lowes changed policy so can not make a refund on a new credit card until receive the card. can not even make a payment on the card as lowes employees tried to do to solve in the same store in XXXX MA. sent to corporate HQ after posting on XXXX and they say nothing can be done on refunds or payments. can only make purchases on this temporary account. so wrong stove rang up and still can not cancel order even though the store employees want to because of new policy set by either Synchrony Bank or the new Lowes CEO. would like the sale credited as should be done.

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have tried so any times to dispute this claim, but i see no action or improvement on my credit report. please, List of company, XX/XX/2020 experian, 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 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020, I contacted Amerisave to inquire about a mortgage refinance loan. I spoke with a loan originator and went through several options. We discussed several loan strategies and how my current rating would affect the rates. We even went so far as to only include the person I informed the loan originator that my goals were to shorten my term and lower the percentage rate even if it meant a slightly higher payment. I also did not want to pay anything at closing. We looked at many options and discussed how many of them actually paid the customer money instead of having to bring money to closing. I stated that I would like to get close to {$0.00} at closing to get all terms as low as possible. I then asked if I could discuss with my wife. I was informed that the rates change daily at XXXX. 

I returned the next day to complete the application. I waited till after XXXX to be sure I received the updated rates. I looked over several other options and settled on a loan with a 15 yr term at 2.5 % with no money due at closing. 

I went through the credit check process which revealed a credit score much than what the loan originator had shared with me to get pre-qualified. 

I was then taken back to the re-select a loan as the previous loan I had selected and pre-qualified for was no longer available. It was a matter of minutes between my first selection and having to re-select a new loan. 

The new loan has a 15 yr term with 2.5 % financing but now I have to bring {$8500.00} to closing. A very different loan. I checked man y of the options and ALL of them required me to bring many thousands of dollars to closing. 

This was not what I was told nor what I selected. This feels like a bait and switch and it is predatory in nature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have disputed accounts on my credit report as identity theft with XXXX  several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of 2020. The items reporting are for 2 AMEX accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted XXXX XXXX XXXX whom AMEX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to XXXX, AMEX, and XXXX XXXX XXXX yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both AMEX and XXXX XXXX XXXX directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow XXXX  has said they have verified them as valid. The only documents AMEX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: ZWICKER & ASSOCIATES
State: WA

Complaint narrative:
I have disputed accounts on my credit report as identity theft with XXXX  several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of 2020. The items reporting are for 2 XXXX  accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted Zwicker & Associates whom XXXX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to XXXX, XXXX, and Zwicker & Associates yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both XXXX and Zwicker & Associates directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow XXXX  has said they have verified them as valid. The only documents XXXX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.

Company response to consumer: Closed with explanation