vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My score was XXXX. I did nothing different the status even says they show no changes to my report yet Transunion dropped my score by 61 points. This is not fair and a way for this agency to assist companies in applying higher rates because of a low score. I have not been late in over three years on any of my accounts. I have not applied for new credit. I have not become delinquent on any of my accounts, and I continue to pay down my balances which most are below 30 %. There is no explanation for this drop in my score. There should be an explanation required by the credit bureaus to drop a score so significant with no changes to a consumer 's report. Please assist.

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 2020-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Trying to link a veterans loan to my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Adv I received an email solicitation from Wells Fargo offering consumers {$400.00} for opening a new checking account online, based on which I did so, beginning the process online onand concluding it on XX/XX/20 at the branch per the direction of Wells Fargo. As advertised and represented by various Wells Fargo personnel on various occasions, the promotion required the account to receive credits by direct deposit transaction and becomes payable after the account has been open for 90-days. My account meets both conditions and I have yet to receive the {$400.00} credit. Moreover, when I inquire as to the credit, Wells Fargo responds by requiring me to verify my Tax Identification information, which was already done at time the account was opened when I provided them with my Social Security Card. 

Please note the account was initially opened as # XXXX and was transferred to # XXXX on XX/XX/20 due to an unrecognized debit on the initial account.

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 2020-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
PHH said they were now serving my XXXX from Ocwen but I got no written notification. PHH has reported that I was late for three months on my mortgage which was untrue as I was sending payment through auto pay to Ocwen which did not send them to PHH. This happened between XXXX XXXX time frame. I contacted Ocwen when this showed up on my Credit report whom referred me to PHH. I contacted PHH as I and XXXX XXXX where deployed out of country and made the missing payment as I awaited Ocwen to return the payment. PHH claimed I did not make XXXX and XX/XX/XXXX payments But I can prove the payments did go to PHH. They also are not honoring XXXX XXXX SCRA orders provided to them in XXXX. I tried to make a mortgage payment an hour amok and they have disabled once again my ability to make my mortgage payment as they are fraudulently trying to get late fees from me. This is a disservice to me as a consumer not being allowed to make a timely mortgage payment and for phh to affect my credit by saying I've been late 4 times. This is erroneous and misleading information that I believe is racially driven and fraudulent to collect undeserving late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have communication problems with target red card and the issuer of the card TD bank, as i seek help from both and I end up paying XXXX and I feel like the way they said they need to justify the fraud on my expense, first let me tell you as I do my best to write as cohesive as I can I might have tons of run on sentence and Im totally depressed due to the fact that target falsely reported me to credit agencies while Im trying to get help from them and in XXXX their employees told me twice that I dont need to make payment as my account under investigation well so much for that. Any way I didnt get help after the fraud was resolved but left extremely slapping account to the point made me dizzy cant understand I made purchases on XX/XX/XXXX XXXX and returned immediately as the store manager helped me to return and repurchase XXXX for Excat stuff, well when finally got hold of fraud department speaking with XXXX XXXX the fraud happened on I believe XX/XX/XXXX for XXXX and o e in XXXX in XXXX that I wasnt aver of so the fraud got fixed but she left such chaos that what ever I returned she put it back several times as purchased and returned and refused to fix target answer was they have to justify the adjustment on my expense and Im pretty much screwed said XXXX target employee and I reached out to TD bank via XXXX cause I wasnt getting help that too give me phone number that I stayed on hold several times over 1:45 or could be 2 hours I send screen shot no response no help but they wore fast to reporting me as 30 days late non payment when their own employees twice twice in XXXX told me no worries ur account its under investigation target its cheat and fraud refuse to help and they always have problems with their return cash register with receipt or on the target red card they ask for driver license and keep you accountable oh you max ur return how so when I have receipt or its on my card oh its not coming up always they have problems abusing my information hopefully someone here can hear me out over decade of being target red cardholder never been late ever and all of the sudden since they refuse to help and falsely reporting me to credit agencies. Greatly appreciate your prompt attention to this matter. Thank you. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: PA

Complaint narrative:
on XXXX XXXX I file dispute to against TransUnion to investigate incorrect information that was reported to my credit report. TransUnion has reported incorrect collections to my account as well as incorrect personal information. There was a {$130.00} collection, a wrong name, 2 wrong addresses and a wrong employer. I requested an investigation for these items and I never received a response or update regarding the investigation.

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 2020-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
The company promised to email agreement via email which included if settled, the collection would not be reported to collection agencies. All conversations are recorded. 

Email was not received and the collection is now on 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 2020-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My paypal account has US {$1700.00} which has been restricted for more than 180 days. The last transaction date was XX/XX/2019. However, after logging in to my account, I found that I could not perform any operations and could not access the withdrawal page. I have contacted paypal many times by email, but I still can not withdraw cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an account that appears on my credit that I believe is a result of identity theft because it is not mine. I have filed a police report and a report at Identitytheft.gov. Both have been sent to the credit bureau and they refuse to delete the information from my report. They have ignored my numerous letters and calls dating back to XX/XX/2019. I'm assuming maybe because they see that I'm a XXXX XXXX from my proof of identity documents that they feel they can just ignore me. I've gone through all the proper protocol and they continue to ignore me, which is resulting in me not being able to purchase another car for work.

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 2020-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I went into XXXX  to get my car serviced. They offered me a discount if I filled out a credit application. I insisted I was not interested in any credit cards and that I was not looking for new credit especially when I was trying to buy property. They insisted that the application was not for a credit card and was not a hard inquiry and that in order to get a discount on the job they were doing on my car I had to fill out the application. I told them about ten times that I was not interested in any credit with them. They insisted that it was just an in house credit that would never Hit my credit. After I filled everything out they said I was approved for {$600.00}. I asked them how this could be if this was not a credit card application?? When I got home I double checked to make sure it was not on my credit! It appeared as a hard inquiry credit card! I don't want this credit and was essentially tricked into applying for it or the staff did not understand this application process.

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 2020-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an account that appears on my credit that I believe is a result of identity theft because it is not mine. I have filed a police report and a report at Identitytheft.gov. Both have been sent to the credit bureau and they refuse to delete the information from my report. They have ignored my numerous letters and calls dating back to XX/XX/2019. I'm assuming maybe because they see that I'm a XXXX XXXX from my proof of identity documents that they feel they can just ignore me. I've gone through all the proper protocol and they continue to ignore me, which is resulting in me not being able to purchase another car for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On my credit file Macys has been reporting an account as charged off with a {$470.00} balance. When I called trying to fix my debt I was told my account was NO LONGER with Macys and was sold to collection agency. The agency was XXXX XXXX. Any payments would be owed to the collection agency NOT Macys. 

I received a letter in the mail from XXXX XXXX to resolve my debt so I called the agency spoke with a representative. XX/XX/2020 I made a payment and resolved my debt. I was told I was my balance was now {$0.00} and I am no longer responsible for my debt. The charge off would be removed once Macys is informed. I received my confirmation letter on XX/XX/2020 XX/XX/2020 I noticed that Macys updated my credit file reflecting a new amount owed as if I paid them instead of the collection agency. It continued to be listed as a charge off write off as bad debt instead removed

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 2020-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: PA

Complaint narrative:
on XXXX XXXX I file dispute to against Experian to investigate incorrect information that was reported to my credit report. Experian has reported incorrect collections to my account as well as incorrect personal information. There was a {$130.00} collection, a wrong name, 8 wrong addresses and a wrong employer. I requested an investigation for these items and I sent a demand to reply letter on XXXX XXXX I never received a response or update regarding the investigation.

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 2020-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$62.00}.

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 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was the victim of fraud that caused a delinquent account to appear on my credit report. I corrected the issue and the fraud has been removed from my credit report. 

However, this fraud is continuing to affect my credit score, because Chase decreased all of my credit lines. For example, I had a credit line of over {$30000.00} and it has been decreased to {$5000.00}. 

This is as a result of the fraud, and I need to have that credit decrease decision that was made solely due to fraud reversed. I have never had a late payment or a delinquent account, and I have been a customer for about a decade. 

However, they have no mechanism in place to reverse their decision although they are fully aware of the fraud This is creating a feedback loop, because my high credit utilization is decreasing my credit score. But when I ask to have my credit limits re-instated so that my utilization returns to normal I am told that they refuse to do so because my utilization is too high. But it is their decision, based on fraud -- and they KNOW it to be fraud -- that has made my utilization appear so high. 

It was previously about 3 % across ALL of my credit lines. Now it is over 70 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been trying for the last 9 months to dispute two fraudulent accounts opened in my name with Discover credit, the keep tell me that they don't show these accounts fraudulent and they can't explain or provide me with proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2020-06-07 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: Ocwen Financial Corporation
State: HI

Complaint narrative:
I have made two separate complaints to XXXX  and XXXX  about information being reported twice from the PHH mortgage since early XXXX closing date. It shows that I HAVE TWO MORTGAGES with PHH, which absolutely incorrect. Im receiving phone calls and correspondence about one mortgage loan being past due and contacted PHH Mortgage and nothing has been resolved? The reported balances is {$280000.00} and the other {$270000.00}, which makes it appear on my credit report as over extended credit. Please let me know how to correct this error on my credit reports.

Company response to consumer: Closed with explanation