vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 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: UT

Complaint narrative:
I have sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond. 
XXXX XXXX services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!

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 2020-09-22 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: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information on my credit report for some years now and they refuse to corrected the inaccurate payment history. The reports has been creating hardship for me by causing me to pay higher interest rates on financial products or sometimes out right denial by financial institutions.

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 2020-09-22 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: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information on my credit report for some years now and they refuse to corrected the inaccurate payment history. The reports has been creating hardship for me by causing me to pay higher interest rates on financial products or sometimes out right denial by financial institutions.

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 2020-09-22 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 am trying to review my credit, and make sure all the items on there are correct, but there is account that have been on my credit for a long time that absolutely should not be there. I have no contracts with this company, and did not agree to pay any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/31 Chime closed my account. After several emails and calls they stated the would send me tracking info and a refund check. Approximately XXXX I received the check. Try to deposit it into my NFCU account and it was declined as stating the issuing bank rejected it. I also went to the issuing bank, XXXX  XXXX XXXX and they stated the check was also no good! I have called Chime and all they can tell me is someone will contact me in 24 hours or go back to the bank and tell them to call then to verify the funds. I have been going through this whole issue with Chime for almost a month! They sent me a bad check!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo Home Mortgage immediately after running my credit report for new credit with another company. I had found that my Mortgage has been set up on a repayment plan that I had not set up and that I was being reported 5 months delinquent from XXXX of XXXX to XXXX of XXXX. Upon notifying them they conducted a 30 day investigation only to have XXXX XXXX come back and tell me on the XXXX of XXXX that she can see based on the notes and phone call that I didnt set this payment plan up and I am the one on the loan. She also informed me that there would be nothing that she could do about being that she had already discussed with management. 

I was told a verification was done and though they know I didnt set up the reporting is accurate and they will not be able to change. I asked if Im the loan holder and you know based on recorded calls and notes inputted by the Wells Fargo Representative sometime in XX/XX/XXXX/XX/XX/XXXXtimeframe that I didnt create this payment plan how are you reporting accurately to the three credit bureaus. This has seriously defamed me and is causing me extreme harm. I hold a high level Security Clearance and my income is in jeopardy along with my ability to obtain new credit and Im suffering.

I cried on the phone with Mr. XXXX XXXX, he said he would relook into The problem is that if we change for you we may be legally liable to others for not changing theirs. I waited another week for him to only return and tell they would return two months of late fees, but wouldnt change reporting of Delinquencies to Bureas. I am at a lost here and seeking to offer them another opportunity to correct their error before pursing more civil avenues

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 2020-09-22 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: FL

Complaint narrative:
There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from 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 2020-09-22 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: FL

Complaint narrative:
There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from 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 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
XXXX XXXX are reporting two outdated accounts on my credit. I called XXXX and they stated that both accounts are 10 years old. Yet they continue to re-age the accounts and report them on my credit. I have been disputing these accounts with XXXX for a year now and they are still violating the Laws of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
" XXXX XXXX '' XXXX XXXX is calling my friends, family, employer and extended family telling them they are trying to locate me regarding a lawsuit. 

I called and spoke with XXXX, she claims it's not them calling but a 3rd party location processor hired by the State Of California. 

They said I have a case # XXXX from LoanMe.com which they now own and are trying to collect on. She refused to give me the company address or information. 

LoanMe had / has my current address, phone number and e-mail address. They were also notified in writing to only contact me not my family or employer. 

XXXX is harassing me by unnecessarily contacting people not involved and giving them inaccurate information about me and a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XXXX I got an American Express card, In XXXX I was not receiving my bills, I contacted American Express, They told me that my account was placed with a collection agency. I received several calls from a collection agency call XXXX  about the account. In XXXX I sent a letter to get the debt validated. See attach. 

I called them in XXXX for a follow-up and was told they no longer had the account. I called American Express and informed them that the company is no longer holding the account and they never validated the debt. I explain to them that I sent them a validation letter and got no response. 

When I called in XX/XX/XXXX, I was told the account charged off. In the month of XXXX, I received 8 phone calls of harassment from a company called XXXX XXXX, I asked them to validate the debt, I sent them a letter to validate the debt, They never did. When I followed up with them, I was told they no longer had the debt. 

They told me it was back with American Express, I called American Express collection to speak about the bill and they were rude to me and never validated the debt. I asked to send me the bill by email because I had to move out of the country. They refused. 

I've tried for many years to get the debt validated and got no way. The statue of limitation for them to sue me has passed. They had my wrong address, they did not validate the debt. I ran my credit report yesterday only to find out that they put the debt back on my account. 

I contacted them and they said because I disputed it, they put it back on my account. This is really some XXXX. I do not owe this debt, It's on my three credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA

Complaint narrative:
I have a mortgage with Sun West Mortgage Company, Inc, ( SWMC ). I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to have SWMC return unauthorized transactions of {$1000.00} to my escrow account. I sent a request to SWMC on XX/XX/XXXX and have not received a response. 

Upon acquiring my property, SWMC sought an XXXX insurance policy on my behalf in order to close my loan. At closing, every document reviewed by me either contained my signature or initials. My closing disclosure document reflected the premium for my XXXX insurance policy, which I funded during closing. However, after my mortgage closed, SWMC obtained and paid for additional insurance without my knowledge or approval. As a result, SWMC caused me to have an escrow shortage and my mortgage payments went from {$720.00} to {$820.00}. The first payment at the increased mortgage amount was effective XX/XX/XXXX. I have informed SWMC that this higher payment will not be sustainable for me but SWMC have not helped. 

Since XX/XX/XXXX, when I discovered the unauthorized transactions, which took place in XX/XX/XXXX, I have been seeking answers from both SWMC and the insurance broker, XXXX & XXXX as to what occurred. I got nowhere with the insurance broker and though I received an automatic message from SWMC that my concerns were escalated for a complete review, I also got nowhere and took measures to mitigate the escrow impact on my mortgage by seeking a loan modification from SWMC. My request and appeal for a loan modification so that my mortgage does not end in default were denied. My XX/XX/XXXX request to refund my escrow account of the unauthorized charges have gone answered ; this request was sent to the CEO, MrXXXX XXXX XXXX ; customer service ; management ; and the insurance departments. On XX/XX/XXXX, I followed up in an email to Mr. XXXX and to date, I have yet to receive a response. I thank the CFPB for looking into this very important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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 am trying to review my credit, and make sure all the items on there are correct, but there is account that have been on my credit for a long time that absolutely should not be there. I have no contracts with this company, and did not agree to pay any money to 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 2020-09-22 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
State: SC

Complaint narrative:
I received a payment on PayPal.com for a product I sold on XXXX. I was instructed to upload the tracking information on the website and 24 hours after deliver the funds would be released to me, almost a week later and multiple emails, phone calls and messages with PayPal and I still don't have my money. I called customer service again and spoke with XXXX ID XXXX and he XXXX he would send me a text but I told him I couldn't get texts and be on the phone and the text expired several minutes later. He said I'd just need to wait, but I told him the website says funds will be released 24 hours after delivery. I ATTEMPTED TO EXPLAIN THAT XXXX, FL IS A SUBURB OF XXXX, but he said the shipping information didn't match the records. I told him I shipped to verified address and he still hasn't release my money! They've had my money and won't release it!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I paid off my Macy 's credit card on XX/XX/2020 with Hana at XXXX. At that time, I asked for my account to be closed. XXXX assured me that it would be closed and even told me I could never open another Macy 's account again. 

On or around XX/XX/2020 I received a statement in the mail with the closing date of XX/XX/2020 and a balance of {$2.00}. This is their minimum fee for having the card. I called to see why I was charged on an account that was closed. The automated system said my account was closed, but that I had a balance of {$2.00}. I waited to speak with XXXX at XXXX and I received a very run-around answer and said they would be able to waive my interest fee. He then said after 72 hours the balance shouldn't show anymore and that I shouldn't receive any more statements. 

This creditor is famous for charging this fee, then tacking on a late payment fee for not paying the {$2.00}. Ridiculous. It seems highly illegal to charge anything on someone's account that is closed.

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 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc
State: CA

Complaint narrative:
this company siad I ordered their product and was charged to me on XX/XX/2020. 3 months later, I got a bill for {$150.00} from the collections company and told me i have 30 days to dispute the charge. 

I sent a letter to National Medical Administrators and also XXXX  limited-Black Label-No disputing the charge, I also sent them a copy of my credit card statement for the month of XXXX, 2020 which shows no transaction for the {$150.00}. I am waiting for their reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
We have a mortgage with the following company : Shellpoint Mortgage Servicing XXXX XXXX XXXX  XXXX XXXX, Michigan XXXX Shellpoint escrow does not pay the Homeowners insurance, we pay for this premium each year. Twice a year, Shellpoint sends us a letter stating that the insurance policy has lapsed and that they are imposing a policy at a rate which is 10X the cost of our policy. Each time this happens we upload a new copy of the policy which Shellpoint ignores and implements their own policy. Phone calls can not be routed to the organization which issues the policy letter, the Escrow organization denies responsibility, and all documentation is not acknowledged. Twice a year I have to have my insurance agent resolve the issue which takes several days to resolve. 

We have no recourse to prevent this issue, we can not get in touch with the correct department and we can not get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I bought a cell phone at XXXX from a XXXX kiosk over 7 years ago. I returned the phone to XXXX before 30 days. XXXX claims I never returned the phone, but I did, I had a receipt for the returned phone. They sent my account to collections, I called them, sent them a copy of the return, but they still refused to credit me and said, '' they couldn't take the account out of collections. '' This account has been sold to several different collection agencies over the years, and I've called every single one of them explaining I returned the product, but they insist I pay {$470.00}. 
Because the accounts been transferred so many times, it looks like my debt is only 2 years old. If I kept the phone I'd have paid for it, the XXXX manager at the time was aware of the return, I even sent them a statement from him saying he accepted the return. 
According to XXXX, they never authorized the return, but the return was made at the XXXX kiosk where it was purchased, then I was directed to the XXXX return desk to complete the transaction. It was paid for on my XXXX XXXX at the time, I closed that account because I closed XXXX XXXX. I'd appreciate this bogus collection which has plagued my credit creating a false low & constant derogatory blemish on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
Was a victim of fraud. Refused to refund the money after all documents were provided. The continue to ask for documents that fraudsters don't provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MO

Complaint narrative:
XXXX hired Enhanced Recovery Collections. I attempted to settle a debt I don't even feel I owe being that I paid this already with XXXX  but I wanted this struggle to be over. I attempted to settle the debt but they started playing games telling me XXXX was the lowest their client would accept. I offered {$96.00} - they then put a team lead on the phone who offered {$120.00} and then stated the same thing that this was the lowest they could settle for. I asked for corporate and was on hold almost 30 additional minutes.

Company response to consumer: Closed with explanation