vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received a request from Discover Card of which I have been an account holder for over 15 years ( account ending XXXX ) for my IRS federal tax returns, for no apparent reasons. Discover disabled my online access making it difficult to continue making payments. I refused to provide them with my very confidential and sensitive personal tax returns because it is illegal, and they could not come up with any valid reason other than verifying my name and address, which I told them could have been verified by DMV records or any other records, but not IRS. Credit card company has no right to request my taxpayer information if I did not request a new account, credit limit increase, I was never on default, I was never over the credit limit. I have excellent standing with Discover, and after I refused to provide this extremely sensitive personal information such as a person 's tax returns, Discover closed my account. Nowhere in my card agreement it stated that credit card company can request your tax return information. Is it even legal for Discover or any other credit card company to do it after they already granted me credit over 15 years ago and I maintained spotless credit standing with them????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I RECEIVED A LETTER IN XXXX REGARDING THE WELLS FARGO CPI CLASS ACTION SUIT. I HAVE A TRACKING NUMBER AND CALLED ONE TIME A MONTH SINCE XXXX AND ALWAYS GET A SCRIPTED RESPONSE FROM THE PERSON THAT ANSWERS. I HAVE NO IDEA WHAT IS GOING ON OR WHEN TO EXPECT ANY ANSWERS. I AM VERY FRUSTRATED AND DON'T KNOW WHAT ELSE TO DO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: MN

Complaint narrative:
The following credit inquiries listed on my Equifax and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX and XXXX, XXXX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The following credit inquiries listed on my XXXX and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK
State: MO

Complaint narrative:
My niece used my credit card without my permition a year ago. I reported it to Discover Card and sent them the police report and nothing was done to alleviate those charges from my discover credit card. In addition I filed chapter XXXX Bankruptcy on XXXX XXXX, and this account was included under the protection act of Chapter XXXX Bankruptcy. Under this act, my debt are protected by law. Doing this time, the debt would not be reported or collected. Discover Card reported debt that didn't belong to me, per the police report I submitted, stating that my niece stole it and ran up my credit card. I made a police statement concerning the matter. I would like Discover Card to delete this account from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit card account with XXXX XXXX Credit Card states 30 days late with payment on my Trans Union and XXXX  credit report. Thats inaccurate. I have never been late or missed a payment. All my payments I have made to XXXX XXXX have been on time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TN

Complaint narrative:
I have disputed the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX numerous times to Experian who refused to delete. I formally lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX and have never lived at XXXX XXXX XXXX XXXX XXXX XXXX. I called and Experian Rep refused to delete, I have written in my dispute and they have refused to delete and I have disputed online to no success. I did not live at this particular address although I lived at a address similar. I have submitted identity theft reports, and my old lease showing my old address similar to no avail. Experian is the only Bureau that is reporting this incorrect address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 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: MN

Complaint narrative:
My credit card account with XXXX XXXX Credit Card states 30 days late with payment on my XXXX XXXX and Experian credit report. Thats inaccurate. I have never been late or missed a payment. All my payments I have made to XXXX XXXX have been on time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except Bank of America. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.

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 monetary relief
Consumer complaint received 2020-04-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2029 I Ourchased clothing from a company paid {$430.00} The clothes arrived made cheaply and poor quality runs small / XXXX size Talked to seller and mailed items back as requested and got a tracking number. Informed ciiti card I mailed the items back. Gave Citi the tracking info Since XXXX to XXXX I have called and spoke to disputed given them info abt tracking mailed items to seller and Citi card has now closed my case and DID NOT refund my {$430.00}!! So I hav no products and no money!! Since Covid I can not reach anyone and the phone calls will not go through! I have emailed them no answers from Citi! I need my money refunded Citi credit card disputes XXXX Im so disappointed do not feel protected and will be closing Citi card the customer service is the worst I really need help getting my money back!! In 35 years I have never had such bad customer service with any credit card!! Thanks

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 monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except XXXX  XXXX XXXX. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except XXXX  XXXX XXXX. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I started addressing this issue with OCWEN 2 years ago - they have only pushed me from group to group and no one has given me any solace or resolution. 

I have called and addressed this issue likely 100 times in the last 2 years.

OCWEN 's lawyers conspired with my lawyer to commit fraud and did. OCWEN paid my lawyer XXXX XXXX and I paid my lawyer to refinance the property I live in, after discovering that there were 14 violations of TILA and RESPA in my purchase and sale. They conspired to settle the debt by adding 10 's of thousands of dollars in fee 's. Because of it I am now unable based on the settlement able to correct them on the fact that they wrote into the settlement that I could never sue again for any reason including if they broke the law again. No lawyer can intercede because the CAL BAR will not allow them to negotiate with mortgage companies any longer. No lawyer will sue any other lawyer for such a small amount - no one is interested. I have escalated this to the CAL BAR  and they are investigating - this should take more than a year based on another case similar to mine that I am privy to. 

There is a reason that OCWEN is the most often sued lender on earth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
I entered a payment agreement for Account : XXXX in XXXX of XXXX the company stated that the agreement would make my next payment XX/XX/XXXX. However the date provided was incorrect and the next due date was XX/XX/XXXX, this is after I already paid three payments to make the account current. I request the company to update my account to reflect the payments accurately on XX/XX/XXXX and they directed me to file a CFPB complaint to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have file 4 disputes to Experian and XXXX about a bankruptcy that is not mine but it keeps coming back verified. The address that reports the bankruptcy is a address I never lived. I called the Bankruptcy court in my city and they informed me they do not give out information to the credit bureaus so I asked Experian and XXXX  their method of verification of how this debt was proven to be mine. XXXX  could not verify that this bankruptcy was mine and therefore deleted the bankruptcy from my public records, so how Experian and XXXX  were able to verify such thing. This experience has cost me homeownership because this is not my bankruptcy and I have no documents from the court stating I filed bankruptcy. I have included a screenshot of XXXX  public records section showing none.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: CA

Complaint narrative:
I requested a deferment on my loans due to the COVID-19 pandemic. Since this has brought on extreme financial hardship to me. My expenses have increased and it has affected my budget. The loan company AES has denied my request for forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 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: NY

Complaint narrative:
To Whom It May Concern I am currently looking at my credit report XX/XX/2020 it says on XX/XX/2020 I applied or gave an approval for them to run a hard pull on my account. This information is inaccurate to my knowledge. I called XXXX  and gave them my social they said I did not apply for anything new. So I than asked what is this hard pull about they had said there shouldn't be one on my credit report. I did not open or authorize any new account or give my information out. So I believe this to be some type of fraud. The customer service rep told me to dispute with equifax directly. This way the hard pull comes off my account. 

I will post a picture of what Is coming up so that you guys can see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Carvana Group, LLC
State: TX

Complaint narrative:
My upcoming XXXX XXXX auto payment of {$400.00} is due on XX/XX/XXXX. I am in a federal disaster area due to Covid-19 with some of the highest cases in the country in XXXX County. I had called around XX/XX/XXXX to ask for assistance as my last day of work was XX/XX/XXXX. My company has laid off everyone and I am currently ineligible for unemployment benefits. Meaning I have no income coming in for the time being. With other bills between XX/XX/XXXX and XXXX, I knew I wouldnt be able to pay my upcoming payment. When I called and spoke to XXXX on XX/XX/XXXX, I was told to call back closer to the due date. I called back XX/XX/XXXX and was told the most theyre offering anyone right now is 15 days. They wont even allow the deferral of a single payment and the global economy is crumbling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have file 4 disputes to XXXX  and Transunion about a bankruptcy that is not mine but it keeps coming back verified. The address that reports the bankruptcy is a address I never lived. I called the Bankruptcy court in my city and they informed me they do not give out information to the credit bureaus so I asked XXXX  and Transunion their method of verification of how this debt was proven to be mine. XXXX could not verify that this bankruptcy was mine and therefore deleted the bankruptcy from my public records, so how XXXX  and Transunion were able to verify such thing. This experience has cost me homeownership because this is not my bankruptcy and I have no documents from the court stating I filed bankruptcy. I have included a screenshot of XXXX  public records section showing none.

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