vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 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: TN

Complaint narrative:
I am reaching out to you for help because Equifax and XXXX  refuses to raise my credit score after a bankruptcy was removed from my credit profile back in XXXX of this year. I filed chapter XXXX bankruptcy in XXXX of XXXX and paid if off within 3 years. Since that time I have incurred new credit, refinanced my mortgage, opened a new car loan, paid student loans on time, and opened several major credit cards that all paid on time. When my bankruptcy was removed in XX/XX/XXXX, I knew that my score should increase because I've opened new credit since the bankruptcy but instead Equifax and XXXX  refuses to add the points that I deserve. I have called them and pled my case however, I was told to wait 30 days and to contact each creditor under the bankruptcy from 7 years ago and ask them to remove the negative remark. The thing is there are no negative remarks because it was removed when the bankruptcy was removed. I believed that I am being discriminated against because I am a single XXXX American woman. My credit scores with all 3 bureaus, XXXX, Equifax and XXXX  were close to the same, XXXX, before the bankruptcy was removed but now there is a 30 point gap in my scores. XXXX  added the points back to my score which put me in the 700 's with my score while Equifax and XXXX  made excuses and gave me the runaround. There is no other explanation for this other than prejudice against my ethnicity and sexual orientation. I only want to received what I have worked to get and ask that my credit score is brought up to what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I purchased a {$100.00} VANILLA VISA GIFT CARD for my friend 's birthday and when I mailed it to her it was destroyed in the postal system and all she received was a piece of the mailing envelope in a clear plastic post office bag. The birthday card and the {$100.00} Vanilla VISA Gift Card were never received. I went back to the XXXX XXXX where I purchased the card and they retrieved the Serial Number of the card from their internal computer system. The card was issued by XXXX XXXX and is serviced by InComm Financial Services , Inc . I telephoned the number listed on the packaging XXXX and they issued case number XXXX to me after verifying the card had not been used and asked that I send a government id such as my driver 's license to verify my address. I sent them a copy of my license to a number they initially provided.to me at XXXX. After waiting two weeks and never receiving a replacement card I telephoned back and learned that the fax number provided to me by their employee was wrong so I re-faxed my license to a new number they provided XXXX on XX/XX/2019. After waiting weeks again I telephoned back and they said they now want a copy of a recent utility bill not over three months old to verify my address. I advised them my current license was verification they originally said i could send.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
On XX/XX/19 I tried to call the number provided on the letter I received from the company on XX/XX/19 and the recorded message says that the number is not in service. There is no other number to call only a website and a mailing address for payments. A letter confirming that I do not owe this money and submit any necessary confirmation to all 3 credit bureaus if necessary that I do not have any outstanding debt that was not discharged in chapter XXXX bankruptcy proceedings.

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 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
There was a fraudulent transaction for {$39.00} on my credit card ending in XXXX. The bank canceled the card and issued a new one with a new account number ending in XXXX. However they simply transferred the fraudulent {$39.00} transaction onto the new card.

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 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Started receiving notices about an unpaid debt from Scott & Associates. I had no knowledge of this debt and sent a verification of debt request in XX/XX/2019. I never received a response verifying the debt and the company continued to harass me and call about this debt. They have now filed a lawsuit for collection on a debt that is not mine. Claimed amount is {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: LEXISNEXIS
State: CA

Complaint narrative:
I discovered two weeks ago that Lexisnexis -- as part of the Risk Solutions part of their company -- had a report on me that includes information about another woman with the same first and last name, but different middle initial and different social security number. This woman 's financial information is negative and I am in the process of trying to complete a financial arrangement which this information is blocking. I called Lexisnexis to dispute the information. The person I talked to was able to determine the problem by a simple visual examination of the data but said the dispute process would take 30 days. I asked that it be expedited. 

I should point out that none of the information in the Lexisnexis data base is in any of the reports from the credit reporting agencies, like XXXX. 

My immediate concern is the difficulty the inaccuracies are causing me. But in the course of my discussion with the Lexisnexis representative I became alarmed about the quality of Lexisnexis information in general. I was told that the data collection depends on first and last name only ; it isn't even sophisticated enough to take different middle names into account -- much less, apparently, social security numbers. Lexisnexis Risk Solutions describes the product as providing 'powerful analytics tools and targeted solutions that support more informed, more effective decisions '. Nothing about my situation supports this description.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: FL

Complaint narrative:
Equifax refuse to release my credit report. I sent my approved documents 6 TIMES my social security card & passport. They continually stated they didn't receive the documents or the picture is not visible. How could they say the picture isn't visible when I was informed the document wasn't received

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: OR

Complaint narrative:
I was notified this morning XX/XX/20 that I have a student loan payment of over {$400.00} due on the XXXX. 8 day notice, which is actually 6 business days of notice. This is atrocious and unacceptable. 

How am I supposed to come up with that money on the fly right before the XXXX holiday and right around the holiday season? I have at this time requested a forbearance due to my financial situation but this delay is absolutely egregious and irresponsible. 

XXXX day notice is and should be the norm, not this 6 business day notification. I can not fathom how this occurred and why it was not processed sooner nor was I notified earlier. I have paperless notifications and billing, so there is no excuse there to associate with snail mail being the cause or root of this delay in notification and notice.

I imagine I am not the only one to experience this and I can not believe this has happened. I am hoping that my forbearance is approved or I will be forced to submit a late payment, which will negatively impact my status as a borrower, have negative repercussions upon my credit profile and ripple into another stream of problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one bought out my walmart account. They keep reporting the credit card twice on my credit report. so it looks like i have 2 accounts open for XXXX and it is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: ID

Complaint narrative:
Company refuses to troubleshoot password without card 3 digit number. When I closed my account I cut up my card therefore no longer have the 3 digit number on the back. I had been paying my bill online but then my password got stuck and now I can not retrieve or reset. Website log in states to call customer service. I called customer service they said they can not issue a new card or reset my password. They would not let me talk to a supervisor. I complained to Flagstar Bank via XXXX and received a call but it was their banking division who tried to talk to someone on the credit card side but did not receive any assistance to assist me. Credit card stated I can make phone payments. I want to pay online. I want to reset my password.

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 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
We have been slow pay on our mortgage due to medical problems and expenses ( my husband is a veteran ), but all payments were paid within the month due with usps receipts to verify. The mortgage company says we are 45 days delinquent. We owed XX/XX/XXXX and I paid it today, but they show we owe XX/XX/XXXX,  even though their website shows it paid. Also, they did not apply the payments as directed & I have copies of my records for that. Below are payments : XX/XX/XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX transferred to Specialized Loan Services, LLC I called on XX/XX/XXXX to get the new loan numbers so there would be no mixup. 
DUE DATE MAILED USPS # AMOUNT PAID on Principal AMOUNT SLS APPLIED XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} # XXXX Late Fee paid {$5.00} XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} # XXXX Late Fee Paid {$5.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1100.00} XXXX Transaction # XXXX Late Fee paid {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} Label # XXXX Late fee paid {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late fee paid : {$5.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXXLate Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} XXXX Late Fee Paid : XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} Paid online Confirmation # XXXX Also, they show us late 9 times on our credit report and refuse to fix it.

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 2019-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Flat Six Holdings Inc.
State: IN

Complaint narrative:
On XX/XX/2019 I went into XXXX in XXXX, Ohio to obtain a short term payday loan. I borrowed {$400.00} on that day and paid the loan in full in the amount of {$440.00} on XXXX XXXX. At no point during that transaction was I informed that Ohio no longer did payday loans and that it was now a line of credit loan. I also have no recollection of being handed any information regarding an annual fee to keep a " line of credit open. '' On XX/XX/2019 I received a phone call from XXXX about an outstanding balance. Upon returning their call I was informed of the annual fee. I was also told I should have received an email regarding that information. After thoroughly searching my email, I have no such email. They directed me to their lender, Crestline Finance. On XX/XX/2019 I called Crestline Finance and spoke to a customer service representative who directed me to her manager, XXXX ( sp ). I was told that if I did not pay the annual fee of {$150.00} in addition to the the {$10.00} credit reporting fee, my account would continue to accrue interest and go to collections. It was explained to me that the interest would not be based on the fee but rather the entire line of credit amount, even though there is no outstanding balance. The explanation was very confusing and repetitive but from my understanding their lines of credit extend to approximately {$1000.00}. I was approved for {$400.00}. The word collateral was used to explain why I would then be charged interest on not only the approval amount but also the remaining {$600.00}. The process was never explained clearly why I would be accruing interest on a loan with a {$0.00} balance, having no interest in " keeping it open. '' I was also told that I am not able to close the account, thus it will keep accruing interest, until I pay the annual fee, which I was not transparently informed of. 

I apologize for the confusing explanation but there wasn't much clarity to from the conversation. I am familiar with lines of credit and in my experience, if you don't use it, you don't pay for it. I realize that {$160.00} seems like it isn't worth this trouble. However, the deceptive practices and confusing/unethical product are worth taking the time to report. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I transferred money from my bank account to my PayPal business debit card and my bank shows the funds were taken ( XXXX ) $ but PayPal says the transaction is still pending when my bank says they released the funds to PayPal already. PayPal says it should be in my PayPal account by the XX/XX/2019 and upon checking it was not there. I am being bullied by PayPal cause they know I need my money. They keep trying to withhold my money from me by making it appear that my bank never released the funds when they did Already and my new balance reflects this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received an email threatening to sue me over an unpaid pay day loan. They have threatened to take legal action before it is even filed. Refer to the attached document and to comeplaint # XXXX on which it is plainly stated that I was put in the companies do not contact list. They have broken that word to me and to CFPB. Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
I got a phone call from waypoint Resource group. The collection agent (?? ) demanded I verify an address. I refused as I have my bank account compromised recently. The agent refused to send anything by mail after admitting she had my address. I believe this may be regarding a balance with XXXX XXXX   XXXX  but I sent the modem back and got no correspondence. I saw this on my credit report and disputed it with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I returned merchandise to a merchant in the amount of {$58.00}. The merchant processed the refund to be sent to my American Express Bluebird card, however, Bluebird removed the refund from my available balance by debiting my card for {$58.00} and it's description reads that the transaction is being held for merchant review. Everytime I have a return transaction, Bluebird chooses to prevent my access to the returned funds. It happens all the time. Bluebird always blames the merchant for the hold rather than taking responsibility for their own actions on my account. Other financial instruments from other companies I've used have never taken away and held my refund using the same exact merchants. This us an ongoing problem. They are currently holding funds from me that they have received from a merchant for no valid reason and I demand access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
These are inaccurate. I hope you can help me get this corrected. 

Date Last Active : XX/XX/2019 XX/XX/2019 Date of Last Payment : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My bank account was hacked in the summer of 2017 and my account was frozen for weeks. I have a letter from the bank confirming this. I missed two payments due to the hacking and have given WFDS the bank letter MANY times to no avail. Due to that WFDS has my account showing TWENTY SIX TIMES!!! This has destroyed my credit score which was in the 700 's for my entire adult life. I'm now XXXX. PLEASE help to get this resolved!

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 2019-11-20 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: CA

Complaint narrative:
I disputed items on my credit report with XXXX  and Equifax and they sent a response stating that they investigated my dispute however they failed to provide me documentation showing that they did an investigation. they stated that they asked the furnisher of information and they confirm or stated that the debt belong to me. 
I then requested that they send me the Method of Verification and i only received another letter stating that they verified what i was disputing. they keep sending these generic letter and not doing what the law requires. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify- though the physical verification of the orginal signed consumer contract - any al all accounts they post on a credit file. otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

Accounts from XXXX  that I want method of verification done and written verification in the way of a contract are : 1 ) XXXX  XXXX account # XXXX 2 ) XXXX  XXXX account # XXXX 3 ) XXXX XXXX XXXX account XXXX XXXX Accounts from Equifax that I want method of verification done and written verification per Section 609 ( a ) ( 1 ) ( A ) and written verification in the way of a contract are : 1 ) XXXX  XXXX account # XXXX 2 ) XXXX  XXXX   account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: OH

Complaint narrative:
There are two items on my credit that don't belong to me, i have tried to remove them and have gotten no where, this is stopping me from buying a home. 

the items below are what needs removed XXXX Opened XX/XX/XXXX for {$220.00} XXXX XXXX Opened XX/XX/XXXX {$170.00} these items no dont belong to me, they are fraud

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