vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 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: MI

Complaint narrative:
XXXX XXXX  closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX XXXX  closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did

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 2020-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
An XX/XX/XXXX account contacted me offering to sell me their account for {$90.00} and I agreed. They asked me to pay via Paypal and set it as friend and family and I did. They then immediately blocked me after receiving the funds. Their XXXX isXX/XX/XXXX and the e-mail address associated with their paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: CORELOGIC INC
State: NY

Complaint narrative:
The following shows up on my report, CREDCO, when I click on it on the side it shows as misc. I have no idea of what this is or why is it even showing up on my report. It says it was done on XX/XX/XXXX but I have not ran or tried to use my credit as of yet. 
Not only that but the following also shows Institution Information XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX I have not applied for this as well. Please help me on how to dispute these issues.

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 2020-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
my FHA refi has me paying the taxes instead of escrowed.

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 2020-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
XX/XX/2019 XXXX year old was diagnosed with XXXX, he stayed in the hospital x 2 months. I notified penny Mac of hardship no options were offered denied need for forbearance. I eventually picked up second job to catch up. In XX/XX/2019 my son fell really XXXX from XXXX and stayed in the hospital until XX/XX/XXXX. My son was seriously XXXX near   XXXX unable to go to work during this time had approved leave of absence without pay mostly, explained to penny Mac they didnt care or offer any assistance until Covid-19. I have written them and asked if they could delete the late payments since account is in good standing and provided medical documentation from my sons XXXX and hospital stay during the months the payments were late, I received no response. Can you please assist? Im asking for forgiveness if the late payments can be deleted due to my previous hardships?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: NY

Complaint narrative:
I previously notified Equifax that I am a victim of identity theft and there is a fraudulent XXXX account. Account number says XXXX, and it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one whose recorded telephone calls I requested. Is involved with trying to fake a situation with accomplice law enforcement officers and steal my debit card. The retuned letter from capital one leads to the accomplice 0hone calls that day about this crime. XXXX has chatter that proves this and XXXX XXXX has them trying to set it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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:
A fraudulent account is reporting on my credit report that is impacting my credit scores. 

XXXX {$620.00}

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 2020-08-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX  XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXXNot Mine Delete/remove from my credit file.

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 2020-08-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXXXXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXXNot Mine Delete/remove from my credit file.

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 2020-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Moneytree Inc
State: CA

Complaint narrative:
I had an emergency and I went to MoneyTree asking for a loan, the guy thatassist me asked me to sign my contract, he didnt mention the interest rate, until I sign my contract, Now is becoming very dificult to pay every month. can you assist methank you so much

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 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC 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 2020-08-16 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:
A fraudulent account is reporting on my credit report that is impacting my credit scores. 

XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A fraudulent account is reporting on my credit report that is impacting my credit scores. 

XXXX {$620.00}

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 2020-08-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
This is my payment receipt The payment wasn't confirmed on the game but it did reduce my account balance. 
Google XXXX Thank you. 
You've made a purchase from XXXX XXXX XXXX XXXX on Google XXXX. 

Order number : XXXX Order date : XX/XX/2020 XXXX XXXX CDT Item Price XXXXXXXX XXXX ( XXXX XXXX XXXX : XXXX ) {$4.00} Tax : {$0.00} Total : {$5.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: NY

Complaint narrative:
I previously sent toXXXX and Experian documentation that I have been a victim of identity theft, please see attached FTC report and required Identification again for this second request

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 2020-08-16 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: GA

Complaint narrative:
I have been disputing with Experian about the same incorrect items as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They keep saying items verified or call the creditors directly. I ask for proof of debt validation of these accounts, but they do not provide anything to show how they validated these accounts as being 100 % accurate or verifiable per FCRA. 

I have reached out to these alleged companies and they either do not have my information on file or they did not respond to my certified letters asking for proof that the accounts belong to me. My concern is, how is Experian validating a debt as being accurate but when I call or write a dispute letter with the information, they provided on my credit report get no response from the creditor? In this case, Experian has failed me in making sure that all information they put on my credit report is 100 % accurate and verifiable. This is damaging my overall credit report with future creditors.

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 2020-08-16 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: WA

Complaint narrative:
Each year I order my credit report for review. In XX/XX/XXXX I attempted to request by report on line without success ( because Equifax does not correct errors ). I ordered the report via mail. On XX/XX/XXXX, I received two reports both dated XX/XX/XXXX with two different confirmation numbers. The information on the report was again wrong. I mailed a letter dated XX/XX/XXXX to Equifax with the corrections, their form completed. and documentation to support corrections. I also sent a copy of my XXXX letter requesting the same corrections. I reported XXXX to both CFPB and the Washington State Attorney General as Equifax falsified my report, failed to release my report and failed to correct my report etc. 
The same request was made to XXXX  and XXXX. I received their XXXX reports with no errors. 

I have had no response from Equifax Information Services LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC 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 2020-08-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX and XXXX continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

XXXX has not even replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I have a signed and executed Forbearance Agreement with Dovenmuehle Mortgage stating we have to pay {$0.00} XXXX, XXXX and XXXX XXXX  payment due to COVID-19. I then paid on time my XXXX and XXXX XXXX  payments. BUT the Mortgage company, IN ERROR, reported me 90 DAYS LATE to all three Credit Reporting Agencies. Upon contacting my mortgage company, which took 6 different people and almost 7 hours of phone calls ... I finally reached XXXX XXXX, a Manger and he admitted that they in error didn't not report the the credit bureaus the proper information for many of their customers in Forbearance. He gave us a verbal and it was on their recorded line and he advise me that another department would mail us a letter in 5-7 business day stating such. Problem it that due to their error, my score dropped from the mid to high 700s to the low to mid 600s!!! This caused me NOT to obtain a Mortgage Pre-Qualification letter and I lost the home that I put an offer on! I need help ASAP as I CAN NOT wait 30 days for my score to rebound and the Mortgage company is not willing to do anything to help! ( supporting docs attached. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: DISCOVER BANK
State: GA

Complaint narrative:
Beautiful day. Happy XXXX. XXXX has been one heck of a year. =- ( I humble myself to truly say thank you for taking a look at my situation. 

For about 2 months now I have been trying to respectfully dispute some issues with my credit. I sent and mailed off my ID and Social along with the proper documents and information needed for these companies to look further into the matter. Some of them said the items are accurate and have been verified ; however, I humbly asked and requested that they send me my signature showing that I have a binding contractual agreement with them. 

Month after month 2 now they have failed to show me this information. XX/XX/XXXX was when I last submitted this dispute and I do have certified mail receipts to track their inability to produce the necessary documents requested. 

They are tying to buy time as I have given them everything they need and require.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have received updates from XXXX and my credit score shows on XXXX XXXX, same day received update from Chase Bank that my score on XXXX  is XXXX which is obliviously incorrect since they claim is from the same source. 
Chase Bank is modifying credit score to put customer in disadvantage when applying for credit or mortgage. I did re-finance my mortgage last year with chase and they used much lower score for my application then what was on all 3 credit bureau. 
Also they pulled my credit report twice and now that has big impact on my credit ability. I have contacted them to remove second inquiry and they wouldn't do it This practice will cost mu thousands of dollars for the time remaining on my mortgage, someone needs to investigate this practice, Im not expert but believe this is against law and violates consumer rights

Company response to consumer: Closed with explanation