vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: DC

Complaint narrative:
Im writing to request assistance with a late payment reported by my XXXX XXXX XXXX XXXX credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the XXXX XXXX XXXX XXXX credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted XXXX credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.

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 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
America express dont access keep get a bill never use the card America express say have a balance never use the card how is the company saying payment been make from XXXX XXXX dont have bank account this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This was never resolved is NOT A DUPLICATE COMPLAINT! THEY have not provided any proof or accurate verification therefore under the FRCA they must delete inaccuracy information from the report. This have not take place to date.They was more than enough time to gather the requested information and source. THIS NEED TO BE REOPEN or resolve immediately. Forwarding the complaint to the company is NOT acceptable. They need to take necessary action. Thanks in advance

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 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
America express dont access keep get a bill never use the card America express say have a balance never use the card how is the company saying payment been make from XXXX XXXX  dont have bank account this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: NV

Complaint narrative:
I have paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} balance and XXXX XXXX Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX balance and that I am in good standing with a XXXX   balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been denied apartment applications due to id theft on my credit report that XXXX  and equifax refuse to remove even with the documents required to remove ( ID theft report, social security number, and drivers license via mail with tracking number. ) I believe my rights have been  violated and I would like these accounts to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I attempted to contact my servicer regarding my loss of income due to the impact of the Corona Virus -COVID-19. There are no servicing or assistance options via the servicer website and I have left ( 2 ) messages and requested a means of contact. The Web message specifically states to contact the bankruptcy department but does not provide any contact information. I waited on hold for 1:09:59 seconds to be connected to the bankruptcy department and the call was routed back to customer service who stated " well you didn't get bankruptcy this is customer service ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
Last month I was looking at my credit report and found various accounts that where fraudulent. Please help me remove 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 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made several complaints regarding XXXX XXXX XXXX to experian. 
XXXX XXXX  has opened two accounts with wrong information to collect a debt one with XXXX one with XXXX. The one with XXXX isnt even on my credit report its so old they are reporting false monies owed and the age of the account. They are also doing it on the Auto loan as well I wAs in a car accident and the insurance paid the car then the finance company took the car sold it and never took that amount they received and credited it to the account they are also reporting the account as being opened XX/XX/2019 and a new debt owed when it is false they are not reporting the accurate dates or monies owed from either accounts which goes against my rights. I have sent numerous letters and made several calls and still it is being reported on my account fraudulently. My car loan was not opened XX/XX/2019. Please help me thank you

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 2020-04-02 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: CA

Complaint narrative:
Last month I was looking at my credit report and found various accounts that where fraudulent. Please help me remove 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 2020-04-02 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: CA

Complaint narrative:
Last month I was looking at my credit report and found various accounts that where fraudulent. Please help me remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is FOCUS RECEIVABLES MANAGEMENT {$870.00} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FOCUS RECEIVABLES MANAGEMENT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  FOCUS RECEIVABLES MANAGEMENT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FOCUS RECEIVABLES MANAGEMENT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FOCUS RECEIVABLES MANAGEMENT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.FOCUS RECEIVABLES MANAGEMENT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TX

Complaint narrative:
I have been denied apartment applications due to id theft on my credit report that experian and XXXX refuse to remove even with the documents required to remove ( ID theft report, social security number, and drivers license via mail with tracking number. ) I believe my rights have been violated and I would like these accounts to be removed immediately.

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 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank for XXXX disclosed debt ( including amount ) to my ex-in law. The amount is {$600.00}. They have been harassing me and those associated to me. I was recently laid off and with Covid it is very difficult to get a job and my other debts such as rent and car need to have priority. They leave aggressive messages telling me I have to call them or something bad is going to happen. Honestly, the messages are insane. Its {$600.00} and they make it sound like Im going to jail if I dont pay it. They have also left aggressive message for other members of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1 ) I have tried to keep a great fico of XXXX since XXXX, never missing a payment or been late, paid off a XXXX truck loan & am in my 4th house since XXXX ; and even when I have had no auto loans or CCard debt in XXXX with a small mortgage of {$630.00} mo including taxes & ins the highest my fico would get is " XXXX '' with 34 yrs of never being late or missing a payment on anything, how is that possible? 
2 ) I just got a XXXX XXXX  XX/XX/XXXX ; along with the card Is a XXXX  credit score of XXXX, So I download my 3 credit reports flawless on payment history, took a hit on length of credit history & debt to income- medium impact.I went into some CC`s that I have open with & without a balance who offer your fico score from XXXX  they go from XXXX. Something is not right here. I have fought the 3 bureaus & fico with the help of fl. attorney general`s assistant Ms , XXXX XXXX XXXX back in XXXX she also thought something didn`t look right after me sending a package with my 3 credit reports & opened up an investigation, but It didn`t go anywhere but she did try. Here in Fl everything Is based on your credit score auto, boat, home, Ins`s, ; interests, & even when you might apply for for an apartment, house rental

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
My ex-husband- XXXX XXXX-divorced over a year ago. The mortgage ( # XXXX-through Quicken Loans ) was solely in his name. I got an Assumption and was able to put the mortgage solely in my name approximately 6 months ago. The mortgage has been put in my name. XXXX also signed a Quit-Claim Deed for this property ( XXXX XXXX XXXX, XXXX XXXX, Ga. XXXX ). I filed it at the XXXX County Tax Assessors office. The title is in my name. Quicken Loans has refused to give me online access. The highest level officer I have spoken with, XXXX XXXX, told me the reason I can not have online access to my mortgage is because it was acquired through assumption and since the way the original loan was obtained ( through my ex-huband 's information ), his information is still online in that file. I asked them if they could put his information in a separate folder. He said no. If I wanted to know anything about my mortgage, I had to call or email. I could not have an online account like other customers. When it was time to file my taxes, I could not obtain the information I needed. I had to wait on hold for a representative and ask them to please mail me the information. I went online with a Quicken Loan representative and asked her if a customer of Quicken Loans obtains a mortgage through assumption, do they get online access like other customers. She said yes, they do. I downloaded this conversation and emailed it to XXXX XXXX. His response was that he will forward this information to a leader for review. A leader called me this morning ( XXXX? ). She apologized for the miscommunication and she said the person who told me I could have online access was dealt with. She then told me they are not working on giving me online access to my mortgage. Recently, my mortgage payment changed because of lack of escrow. I got a letter in the mail. I called to change my payment and I was on hold for more than an hour. This and other situations could have been avoided if I had online access like other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
GMAC appeared on my credit report and I have no clue who they are. I XXXX  them and it states that they are a auto finance company and I never had a loan with 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 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I paid a settlement amount to pay this loan off. I also paid to have it removed from my credit report with the letter they provided me stating it was paid and has a XXXX  balance. It was removed and Portfolio put it back on my repot for the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Netspend Corporation
State: IL

Complaint narrative:
Bank : Netspend Prepaid Debit Card Services Email : XXXX Telephone : XXXX On XX/XX/2020 I had a stay over at a XXXX  XXXX  in XXXX, Georgia. When I checked in I was charged {$110.00} and was told a {$25.00} deposit would be refunded to my account after checking out. I checked out of the hotel on XX/XX/2020 and received a receipt to show the hotel only billed my debit card {$92.00}. I never received the deposit and the bank is refusing to refund the money. I called the hotel and was told they released the {$25.00} and to contact the bank again because they would have to release the funds into your account. I tried to resolve this issue with the bank several times and every representative I speak with put me on hold and never return to the phone. I have been hung up on by a representative 3 times after waiting over an hour to speak to someone. Each Customer service sound very incompetent, the last representative was looking at the wrong transaction and would not listen to me moving forward and when I calmly ask to speak with a manager or supervisor she placed me on hold for a long period of time then disconnected the call. I attached the receipt from the XXXX XXXX XXXX XXXX, the text message receipt of the transaction from Netspend Prepaid debit card services, and of the last call to show how long I was holding before and after the representative hung up on 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 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is AARGON AGENCY XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AARGON AGENCY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) AARGON AGENCY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AARGON AGENCY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AARGON AGENCY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AARGON AGENCY has not even tried to contact me regarding this Fraudulent collection account. Please have them  remove this collection account immediately.

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 2020-04-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive made an attempt to update information on my account and several accounts were included in bankruptcy. Now, it appears that the accounts are showing as new collections and in dispute. Ive not initiated any disputes, please update with current information.

Company response to consumer: Closed with explanation