vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

DEPTEDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2600.00} XXXX  XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$350.00} XXXX  XXXX {$17000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-27 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: UT

Complaint narrative:
The Credit bureaus are reporting inaccurate information & have not fixed it yet ... They are reporting 2 erroneous accounts for XXXX XXXX XXXX XXXX ... XXXX & XXXX - They are double reporting, we only had one account with them and they are reporting 2.

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 2020-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
My XX/XX/XXXX Statement shows a refund of {$4600.00} from the county taxing authority on XX/XX/XXXX. On XX/XX/XXXX, after not receiving the refund, I called my Lender, Amerihome, to inquire about the refund. I was told during that call that it had been mailed on XX/XX/XXXX, and that I should wait 30 days, before calling back. I called back on XX/XX/XXXX, and was then told that the check didn't actually go out until XX/XX/XXXX, and that I had to wait 30 days from that date. Well, I called today, XX/XX/XXXX, only to be on hold for 20+ minutes. In these lean times that everyone is having to deal with, why am I having to chase down Amerihome to get my refund? Now that I have inquired about the refund, why aren't they being aggressive in keeping me informed? What are they doing with my money? In two weeks, it will be at least two months since they received the refund from the taxing authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: CA

Complaint narrative:
I'm having problems with these accounts that appear on my credit report that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Card Services XXXX XXXX XXXX XXXX, DE XXXX Dear Barclays Company, XXXX Reword Credit Card XXXX I requested credit line and your bank always denied my request even my credit score good and excellent. 
XXXX XXXX credit scores a s following XXXX - XXXX XXXX - XXXX XXXX - XXXX I have a higher credit line different banks and I am requesting this card because I need a get XXXX Computer. {$1000.00} credit line not enough.Please reconsider my request and approve credit line. 

Thank you XXXX 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 2020-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I was contacted by my loan servicing company Loancare, that I had not paid my XX/XX/XXXX mortgage payment. They were throwing me into foreclosure. My wife and I contacted them proving we had paid them. I received a confirmation email from their escalation department two days later, ( XX/XX/XXXX ) that the matter had been resolved. My wife started getting harassing calls a few days later, again from Loancare, saying we hadn't paid our XXXX payment and were 30 days late ( it's XX/XX/XXXX and again, we paid while on the phone with the first customer service rep on the XXXX, how can we be 30 days late? ). Today I contacted Loancare again and told them we had paid and everything was up to date. I had to again send proof from my bank they got the money. And today I received a letter from XXXX mortgage company who bought our loan saying we owe three mortgage payments by XX/XX/XXXX. These people are predatory and are either incompetent at bookkeeping or fraudulent in their business practices. I have disputed their credit damage to the credit reporting agencies, but have yet to see anything 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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried to use my PayPal to cash a check mobilly. PayPal has partnered with XXXX money services to perform these tasks. I entered into my secure PayPal app, and followed the directions for instant deposit, taking a photo of the front and back of the endorsed check. I then received a message from XXXX with the PayPal logo that they were ready to deposit the money into my PayPal, but first I needed to write VOID in big letters across the front of the check. I did so, and used my secure PayPal app to send the photo. However no matter how many times I tried, the app would not accept or approve my picture. It appears that the app is flawed or has a programming issue. When I take my picture, the app enters another screen and then flips vertically, then horizontally, and when it goes back to verticle, the image file is gone and the app says I still need to take a picture. No matter how many times I take the picture, I can't get it to send. I called PayPal, who told me they could do nothing and to call XXXX. I called XXXX and emailed and when I did they said it was because I quit the app and it turned out. I tried to tell them I never quit the app and that it seemed like a programming issue because the window kept resetting but they wouldn't listen and just told me to go try again. I did try again and the same issue is happening. An hour after submitting my check XXXX sent me a message saying the transaction was declined because they never received an image of my voided check, but not to worry because the check was still valid and I can't try elsewhere. Of course, that's not true, the check is no longer valid since I wrote VOID across it in big letters. Now the check is worthless, PayPal will do nothing and XXXX is unreachable in any timely matter, and they seem not to listen to the problem. Thank God that this was only XXXX  dollars lost, I have two other checks here I was going to cash with the same method totalling over 400 dollars, which would have been a huge load for me. XXXX should not be asking people to write VOID across the checks if they are not going to accept the photo or be available to resolve the issue before they decline the entire transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
refusal to delete UNVERIFIED information from my consumer file. 

I have sent 4 letters to the credit bureus ( Experian, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2020-04-27 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: GA

Complaint narrative:
I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my 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 2020-04-27 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: GA

Complaint narrative:
I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my 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 2020-04-27 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: NC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-04-27 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: CA

Complaint narrative:
I'm having problems with these accounts that appear on my credit report that i did not authorize.

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 2020-04-27 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: CA

Complaint narrative:
I'm having problems with these accounts that appear on my credit report that i did not authorize.

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 2020-04-27 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: GA

Complaint narrative:
I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report. 

XXXX XXXX  XXXX {$9900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: EQUIFAX, INC.
State: UT

Complaint narrative:
The Credit bureaus are reporting inaccurate information & have not fixed it yet ... They are reporting 2 erroneous accounts for XXXX XXXX XXXX XXXX ... XXXX & XXXX - They are double reporting, we only had one account with them and they are reporting 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My initial loan with Navient was {$40000.00} and has ballooned to {$120000.00} for a loan I was coerced to take out by the University XXXX XXXX and unable to pay based on my family size, living expenses and income.The degree was not helpful and was pressure and falsely promised employment with amazing alumni to cover expense. Wasnt explained that it would triple in amount. 

I also filed a Formal grievance directly with University XXXX XXXX ethics office regarding the false advertising and pressure and misleading promises the enrollment counselor used to sale me on their XXXX XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
After many many attempts via email, online chat, website tickets, and phone support, I have gotten nowhere with this company. I would never have chosen this lender myself. My mortgage was sold to this company and I have had a horrible experience ever since. They Did not pay the correct amount of my property taxes last year and then were too late to make the repayment. It went to collections. I have been getting notices and threats from the city about delinquent taxes and lawyers representing the city have contacted me about delinquent taxes. All I know is my escrow account has sufficient funds but the lender is not doing their job of resolving it. Now the city shows additional fees and interest charges associated with the late payment. I am a XXXX XXXX XXXX  who can not afford to allow this to affect my credit especially during this current crisis. I have already missed out on PPP relief loans to pay my employees and other expenses. Now my credit score is suffering due to this delinquent tax issue.Every ticket I open to request answers is quickly closed as " SOLVED '' with no explanation. And nothing gets solved!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened my account and transferred {$15000.00} on XX/XX/XXXX for a promotion giving {$400.00} plus {$100.00} to maintain the balance 60 days and have direct deposits. I began using the funds below {$15000.00} on XX/XX/XXXX and was told that was the 60th day. When I followed up approximately a month later they said I didn't qualify because of how they count 60 days. Clearly I would have waited ONE day if I wasn't told otherwise. Trying to resolve other issues I have had with this company has been more than challenging due to long hold times only to be transferred and then disconnected. My last attempt was XX/XX/XXXX. I was told I needed to wait until XX/XX/XXXX and I only maintained the balance until XXXX, 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 monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was never late on this account. Please find attached letter. Please do not call me communicate in writing only. If you do call me do not record me or use automated dialing systems/tech.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
PenFed denied me for a credit card. I have a XXXX credit score, they said because i have applied too many times, their site was kicking back my login several times, and I thought it was not taking my application, so I continued trying to apply due to this technology hicup, i only was trying to apply one time. I dispute their decision based on me applying to many times.

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 2020-04-27 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: GA

Complaint narrative:
I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report. 

XXXX XXXX XXXX {$9900.00}

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 2020-04-27 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: GA

Complaint narrative:
I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report. 

XXXX XXXX XXXX {$9900.00}

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 2020-04-27 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: NC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Cant make a deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$960.00}

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