vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 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: NJ

Complaint narrative:
I just came back to XXXX after XXXX yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX  {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in 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 2020-07-09 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: NJ

Complaint narrative:
I just came back to america after 4 yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in america .

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 2020-07-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I just came back to america after 4 yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in america XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I requested a security freeze on XXXX XXXX and it hasn't been placed on and it has been 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I have 5 collection on my XXXX report that do not belong to me. They range from $ XXXX {$510.00}. I have at least 3 disputes and they keep saying it is mine. I called online information services ( collection agency ) and they verified it is not mine. XXXX individuals stated they can't not correct it. The last time I called I was left on hold for at least 10 minutes then they disconnected the call. This has dropped my score 56 points and I still got no help. This has been going on for almost a month. I don't know what else to do to get it corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inaccurate entry being reported under Experian. I have repeatedly asked for evidence to support your reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX  which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

The account has not been updated since XXXX 2019 ... ...

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 2020-07-09 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: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
I had the account for 3 years and never missed a payment until the end of the loan so they claim. They are reporting current no past due history with XXXX, XXXX  late 30 days ( XX/XX/2019 ) and XXXX ( XX/XX/2019 ). This company has never even sent a statement advising that that the account was past due and the statement that I did receive showed an incorrect balance. I reached out to the company and requested to have the 1 late payment removed as a Goodwill, it was declined due to FCRA guidelines. The credit bureaus advised me to contact the company and ask for a deletion since the account had been paid in full and the negative history was hurting my score. The company stated that it was against their policy to do so. I think that this company has discriminated against because they use unfair tactics, they never reported a late payment until the account was closed, never sent a statement with the correct balance showing that my account would be past due and has violated FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: U.S. BANCORP
State: IL

Complaint narrative:
As of XX/XX/19, XXXX XXXX has impacted my personal credit file for {$27000.00} and placed for collection. I have asked them to please remove this because this was supposed to fall under my business. 

They have failed to work with me and I am adversely impacted my personal credit.

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 2020-07-09 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Apple credit card services through Goldman Sachs keeps denying my credit card application because they say they cant verify my identity. Ive reached out to all credit bureaus to ensure my information was correct, but they keep saying they cant verify me and keep denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has incorrectly reported a 30 day late payment. During the investigation, Well Fargo reported an audit showed that a login attempt was made on the XXXX day of the month. They also reported that the login was potentially to another Wells Fargo account. This is extremely disturbing to me because I have only have one account with Wells Fargo. 

Upon contacting Wells Fargo, they were missing my personal details ( no phone number or email was in the system ) This is clearly a system issue on Wells Fargo 's end. 

In addition to the the incorrect late payment, I never received my tax documents from 2019. The attached document shows that according to Wells Fargo that I am not the account owner of my own account. 

I was notified by a non Wells Fargo credit service credit notification on XX/XX/2019 that Wells Fargo reported a 30 day late payment. I find that Wells Fargo 's reporting was incorrect and not accurate and that Wells Fargo acted unreasonably during the attempted resolution.

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 2020-07-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Back in XXXX I was supposed to be on deferment plan but ended up with forbearance plane.

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 2020-07-09 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: ID Analytics, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX my credit was pulled from this company. I have never heard of them and I would like to know why they are reporting MY personal information. They are reporting my score as less than half of what it actually is which has caused me to be declined for new loan requests. My credit score they reported is 300 points lower?!?! Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit fie. I was not in the hospital at this time and there is no way that this debt is mine. I think that my uncle has stolen my identity. I also never received a phone call, collection notice or letter which is in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
1. Exhibit 1, I rec 'd an email from Paypal with a questionable transaction, I had not made since I have not used Paypal for several years. 
2. I called listed below the email of this, assuming this is a legitimate email from Paypal. 
3. I talked with XXXX allegely he is from Paypal, that my account had been hacked rom several countries like XXXX, XXXX, XXXX, and locally from ststes like Clorado, Virginia, Texas, and Georgia. See Exhibit 12. 
4. Our phone coversation has been recorded on notepad and Shown on Exhibits 9-15. 
5. Anyway XXXX SAYS, I need purchase XXXX  gifts cards worth {$500.00} each for him to removed my name from these Hackers, so I will not have unusual trnsactions appearing on my Paypal Account, which is backed by my XXXX XXXX. 
6. XXXX made the assurance, not to worry about the purchase of {$500.00} gift cards, because I will be credited back for how many cards I bought. 
7. Starting onXX/XX/XXXX to XX/XX/2020, Exhibits 4 - 8 are the purchases for XXXX Gift cards, which I XXXX  ( my afterthought ) followed on the assurance I will get every amount back. 
8. EXHIBIT 2, is the email again from Paypal that returning {$3000.00} can not be done as Paypal being a company has minimum of {$4000.00} to disburse, so So need to purchase 2 more cards to make credit back to my XXXX XXXX  {$4000.00} and I did follow and purchase 2 cards. ( I already had misgivings about this, it sounded too much of a scam. ) 9. EXHIBIT 3 is the email, {$4000.00}. can not be done but need to be {$5000.00} plus {$500.00} for my patience, but I need to purchase 2 more XXXX gift card for {$500.00} each. That was the last straw, I cease contact with Paypal or XXXX. mY XXXX LUCK, WAS BEING sCAMMED. 
10. You are my last resort, my gut feeling, Iwas XXXX enough to get scammed, but if I was dealing with the real PAYPAL company, let this incident be a teaching moment for others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: VA

Complaint narrative:
I had the account for 3 years and never missed a payment until the end of the loan so they claim. They are reporting current no past due history with XXXX, EXPERIAN late 30 days ( XX/XX/2019 ) and XXXX ( XX/XX/2019 ). This company has never even sent a statement advising that that the account was past due and the statement that I did receive showed an incorrect balance. I reached out to the company and requested to have the 1 late payment removed as a Goodwill, it was declined due to FCRA guidelines. The credit bureaus advised me to contact the company and ask for a deletion since the account had been paid in full and the negative history was hurting my score. The company stated that it was against their policy to do so. I think that this company has discriminated against because they use unfair tactics, they never reported a late payment until the account was closed, never sent a statement with the correct balance showing that my account would be past due and has violated FCRA guidelines.

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 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
Chexsystems wrongfully misreported one of my accounts. Their system stated that I had closed an account ending XXXX, owing {$460.00} to XXXX on XXXX of 2017. When I check with the bank they said that I did not owe anything and that they would write me a letter stating so. I am still a customer of XXXX, and I was surprised that this would even happen, especially since I have been with this bank for over 15 years and that this so called debt which is inaccurate happened in 2017. That year I lost my bank card associated with XXXX, so we closed the account to prevent misuse ; When I called the Chexsystems a robot gave me an webpage to go to. This company provided no live person to speak with about this serious error on their part. I submitted my complaint via web, but got no confirmation number or anything to prove that I demanded that they fix the error on their reporting. 

The government should require that Such financial behemoths provide a live person to deal with such matters that so pervasively affect the lives of so many. 

When you tried to reach them, it is like trying to communicate with a mountain. You dont know if it even hear syou. Yet it can ignore you and drastically affect you negatively. 

I want Chexsystems to get back to me promptly and fix this wrong information on my record. 

Until they fix it I cant open another account. Why did this take so long for me to find out about this? I dont know. 

Who put this horrible company in charge anyway? The consumer alone can not fight this corporate dictate. 

Please help.

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 2020-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XXXX Amerisave Mortgage called us in regards to a VA IRRRL Streamline Mortgage Refinance loan. After they told us we could get a 2.75 % interest rate for the streamline loan we started the refi process. We then provided all documents which were uploaded into their system as requested. Then things went downhill. We waited 3 weeks and then reached out to our loan officer by email and voice mail but no response. Then after 45 days an underwriter called us and left voicemails but when we called back all we got was the underwriter voicemail. The underwriter never sent us an email so we could not respond via email. Then we had several online chat sessions and made a complaint that we were being ignored. The today, over two months later we received a NOREPLY email from Amerisave Mortage saying they could no longer process our refi. We DID NOT start this process, they did. They sent us a mortgage rate lock document and asked for many documents that we provided. Our credit score dropped because of this because they ran a hard inquiry. So all this effort on our part and now a lower credit score and have nothing to show for it, except that Amerisave Mortgage should be disqualified from doing VA loans. We are a XXXX XXXX XXXX veteran who does not need this total disrespect and unprofessionalism from any Mortgage Company. The Veterans Administration needs to Vet the mortgage companies that offer VA loans. When we purchased our home the other mortgage company was professional and timely. We logged into our account today XXXX and ALL documents we unloaded into their system have been deleted. So they are trying to hid the fact we provided many, many documents as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I received a letter dated XX/XX/2020 in regards to a debt that was already removed from my credit report. When I tried calling the number provided, I was directed to a scam phone service using the number XXXX. The debt was originally from XXXX XXXX and it has already been removed from my credit report. I refuse to pay credence excellence beyond belief as they have me a wrong amount due ( it should be {$0.00} ) and a fake number to reach them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
This is a continuation of a complaint that I filed with this company on XX/XX/2020 with the complain ID : XXXX. This issue had not been resolved to my satisfaction. I received an answer via email from a gentleman named XXXX with ID : XXXX on XX/XX/2020. In such email it states that and I quote : pursuant to the terms of the original promissory note and deed of trust, copies of which are enclosed for your reference, SLS is unable to apply a payment that is less than the total amount due. End quote. 
Oddly enough, copies of both ( the deed of trust and the promissory note WERE NOT attached so I could see on paper for myself if this is indeed true. I request to please provide me with those copies as they should have been attached to begin with. The only enclosures I received was the payment history and payment transaction codes. I still request an adjustment to be made on my late payment history so I do not show delinquent more than 31 days for XX/XX/2020 to potentially get a better rate on a refi! 
XXXX XXXX XXXX This is in regards of my mortgage acct : XXXX with SLS XXXX XXXX. XXXX XXXX, XXXX XXXX, Co. 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 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC amount owe {$1100.00} XXXX XXXX Not My debt Called Company to dispute XX/XX/2020 COMPANY STILL HAS YET TO REMOVE/DELETE from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Beginning in XX/XX/2019 fraudulent purchases were made on a Paypal credit card in my name. The underwriting bank was Synchrony Bank -- I contacted them by phone to alert to fraud, they investigated and did not resolve. I submitted additional info by fax, I filed a police report, more phone calls, more investigations and still no resolution. I have since hired an attorney and sent Synchrony Bank a demand letter stating that 100 % of these charges are fraudulent and still no resolution. The current outstanding balance on this account is approximately {$11000.00} at this point, including late fees and interest charges.

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 2020-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Neiman Marcus is partnered for a credit card with Cap 1.

For ALL cardholders ( even those is great standing ) that hadn't used their Neiman Marcus card for 2 years, Cap 1 automatically lowered the NM credit card limit to {$500.00}. 

There was no letter or communication sent to cardholders warning this would happen if they did not utilize the NM card. 
Neiman Marcus customer service told me 2 times on 2 calls they
could do nothing about this - it was done by Cap 1.

I called Cap 1 and they said it was NM that did it.

Bottom line - this hits our credit reports as a decrease in spending limit and thereby lowers our credit score - because now our overall debt to overall credit limit ratio looks worse. 

My overall unused credit limit reflected on my credit reports is now {$12000.00} less - that was a huge % decrease and negatively impacted my credit report score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
This occurs daily. 
The company " Harris and Harris Ltd ' calls at least once a day, stating that they are debt collectors, trying to recover debt. 
so you press one, to talk to them, and the first question they ask, is, 'what number are you calling from '. So I asked them, you called me. Then they say, 'they need the number to identify, who you are '. If they were calling me, they should know what number, called me. 
If I have to say my number. then they, can keep calling. 
This has been going, on, and on, for months. 
Even if you block their number they still get thru. 
They always hang up on you. 
They need to be stopped!!!!

Company response to consumer: Closed with explanation