vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2018 XXXX 2018 XXXX 2018 XX/XX/XXXX2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Second Round Limited Partnership, Austin, TX Branch
State: IA

Complaint narrative:
This company has called me, my husband and our relatives about several accounts between my husband and I. They told my father in law that he's XXXX father of the year because he told them to stop calling. They are giving out personal information about the debts to my cousin. We also disputed with XXXX XXXX XXXX but no one responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello I am a seller on XXXX on the side and all of my items have great feedbacks from my buyers never a problem. But paypal decided to frozen my account for no reason. I have contacted them many times to recover my account I even provide the information they needed it. Spoke to 4 different representatives and each have give me a different story and one of them told me my account would be back up and running again in 24hours which was not truth. Finally today XX/XX/2019 I call them again they not even trying to call or give me updated unless i call them to tell me they are closing my account and my funds will be held for 180days for no reason. They could not give me no reason. I really need my funds to pay off my bills. PLEASE I NEED HELP WITH GETTING MY FUNDS FROM PAYPAL. THIS IS WRONG I HAVE DONE NOTHING WRONG THIS HAVE {$740.00} Of MY FUNDS ON HOLD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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 am currently a victim of identity theft, Transition, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: NC

Complaint narrative:
Charges were made on my mid XXXX at XXXX XXXX that I did not authorize of XXXX and XXXX. Ive been trying to get this resolved and no resolution had been found. I was told by there customer service that I would not have to make payments on these charges meanwhile the investigation was still going so I listened and didnt make any payments. I would later find out that my credit score went down due these charges for non-payment. I was told by there fraud department that my dispute was denied because not enough information. They stated that I received mail and emails regarding this decision but I never received emails or mail and I even called and tried getting an update but never really got an answer. Ive been trying to get this solved but they keep sending me to different departments. Now my credit score went down hugely and its upsetting.

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 2019-11-19 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: AES/PHEAA
State: AL

Complaint narrative:
FedLoan Servicing reported to the credit bureaus that my Federal Graduate Plus Loan payment of {$130.00} was due in XX/XX/ 2019 when I am enrolled in an 8-year XXXX  program at a university. I was totally shocked when a credit union gave me this bogus information, today, when applying for an auto loan. No one from FedLoan Servicing has contacted me with this information as I check the website often. I called FedLoan Servicing and the lady I spoke to had this lackadaisical attitude, stating that the information was entered when there was a break after the last quarter. There is always a break before the start of the next quarter -- this is madness. She, also, stated that I should have this information, but discovered that the letter had not gone out to me. FedLoan Servicing was quick to submit a bogus credit report. FedLoan Servicing stated that the information has been updated, but I demanded an answer as to why this was deliberately done. This action of FedLoan Servicing is a violation of federal law. 

There was never a communication to me of this loan being due while I was still in school nor was a monthly payment of {$130.00} conveyed. I am sure FedLoan Servicing is well aware of the quarter system of a university. I am working on my XXXX  which is an automatic deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
This company has called me, my husband and our relatives about several accounts between my husband and I. They told my father in law that he's XXXX father of the year because he told them to stop calling. They are giving out personal information about the debts to my cousin. We also disputed with XXXX XXXX XXXX but no one responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WorldRemit Corp.

Complaint narrative:
Good evening On XX/XX/2019, i made a transaction of {$1000.00} usd to my cousin. 

She didn't worry to pick it up and the cash appeared active until the month of XXXX. When I reach my country and find out from financiera Supergiros which was the intermediate company, they said I must contact World Remit for them to refund my money. 

What procedure I should go through for that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
There are many more details in my notes. 

I have them written down, and would like to discuss with your attorney/ representatives This is a short summary : I purchased a brand new XXXX XXXX XXXX in XXXX. 
The car was perfectly maintained. In the first year, I had issues with the transmission and Ford replaced the original transmission. Despite my efforts of high quality maintenance during these issues, we were still having issues with the drive train. 

I found out that there was a " lemon law '' for this car and other models during the XXXX model years. Ford was sued by thousands of people for the faulty transmission and subsequent drive train problems. 

While the car was still under warranty, I brought the car in to have transmission repairs again. This was a recurring issue. This is why there is a lemon law for this car. 

Ford put in a third transmission, and submitted a {$5000.00} repair bill to me. At the time I had been making payments to own this vehicle. At this point, I had paid at least 36 months towards the loan. 

In XXXX I was unable to use the car due to it not running correctly. 
Ultimately, I had to take the plates and the insurance off of the vehicle because it was undriveable. I ended up having to put an older car on the road to replace it. 

The Ford dealer submitted the bill to me and I fought both Ford Motor Credit and Ford Corporation because I was unsatisfied with having a vehicle that had become inoperable, as well as the experience of sub-par customer service Ford did not return my vehicle to me. 
The car was repossesed, and I stopped making payments. 
Ford has served me a lawsuit for {$14000.00} which I am protesting and will be defending myself in court for. I am seeking to counter sue Ford, and I would appreciate any insights or assistance in this direction. 

Please help me with this lawsuit. 

Truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Sometime during XXXX ( we think ) our mortgage was sold from JG Wentworth to Freedom Mortgage. We were notified of the sale during this time, including notification to pay Freedom during XXXX. We had no way of paying Freedom until XX/XX/XXXX when their introductory letter was received. The letter from Freedom was dated XX/XX/XXXX - this was for a payment that was due on XX/XX/XXXX! We paid immediately in order to avoid fee 's and a hit to the credit report. We have no received a letter saying our payment may be delinquent! This is outrageous. We should be given plenty of notice regarding with whom to make a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: FL

Complaint narrative:
on XX/XX/ 2019, I demanded Experian to send me Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Experian failure to accurately verifies these accounts has hurt my ability to obtain credit. 

In the results of their first investigation and subsequent reinvestigation, they have stated in writing that they have verified that these 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 ). 

I have also contacted the collections agency and was not able to get those debts validated by them. 


The unverified items listed below remain on my credit report in violation of Federal Law. they are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately according to as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

Name of Account : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified 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 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I ran a 3B report today and found out that CBE Group was reporting that I owe them {$55.00} for a collections account from XXXX XXXX. The report is stating that the account was open on XX/XX/XXXX, which is making the collection issue a " fresh '' issue instead of an older collection account. Furthermore, I have no paper work with my signature stating that I have authorized CBE Group to do business with me. They are damaging my credit and I am unable to seek additional credit from various local companies XXXX XXXX XX/XX/XXXX and was closed XX/XX/XXXX. Well over two years ago this account was closed. The account with CBE Group is XXXX and the PAID Approval Code is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascendium Education Group
State: VA

Complaint narrative:
Borrowed $ XXXX in approx XXXX for son. Repayment was for {$50.00} /monthly. But, honestly, we initially were inconsistent in payments, eventually we went into default, paid up more in XXXX to get out, and been paying monthly since, but when I lost my job in XXXX when the school closed, we had to let payments slide again. Now, I make half the amount I did. I work for an eligible, community based XXXX XXXX XXXX in an economically depressed area, XXXX Virginia. But I have been making consistent monthly payments of {$50.00} for years. I would like to be considered for a loan forgiveness program due to the huge loss of income after the loss of my job. 
I believe I've been improperly persuaded to apply for a forbearance, I've been harassed on the phone sometimes 5-6 calls daily, for a few years, they are now threatening to place me in default again and damage my credit rating. The $ XXXX loan has ballooned to almost $ XXXX! Apparently this due to unknown additions for penalties, forbearance, a default, and each time sold to another lending service : XXXX XXXX to XXXX, to?? to XXXX and now to Ascendium. The loan has been growing by leaps and bounds! It is ridiculous! These are totally unfair practices adding up unnecessary additions and yet I receive no credit for paying them for years. I am seeking legal counsel, but am hopeful you can help guide me, assist with locating legal representative, or suggest options. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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 am currently a victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX  XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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 am currently a victim of identity theft, XXXX, Equifax, and XXXX continue to report fraudulent activity on my credit report. XXXX  XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Please correct/remove the late payment in XX/XX/2019 for 30 days. I don't recall being late on this date because I was checking my bank account and noticed that the money was always drafted from my account religiously and it's impossible to be even a week late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXXand forward I actually paid this account in full in 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 explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I received a credit report from a company that is not allowed to require personal protected information, SageStream LLC reported a false score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was on the phone with equifax on the XXXX of XXXX for 3 hours because something in my credit account was incorrect. 3 hours later i came to the conclusion that my date of birth was incorrect. since i turned XXXX i havent seemed to be able to establish credit or get a credit car because someone put in the wrong date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
fraud account never authorized under my name XXXX XXXX XXXX XXXX XXXX  {$2000.00} this account was opened under fraud and disputed as such with original creditors back when account was opened and now Portfolio recovery associates is collecting and damaging my credit report with this fraud account and request this account be removed from all credit reports and XXXX  and cease and disist all collections on this fraud account under my name that does not belong to me. I request it is deleted from my XXXX  credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
On XX/XX/XXXX Ocwen Loan Services received a default judgement on my home. I filed Bankruptcy and the case was stayed until XX/XX/XXXX. On XX/XX/XXXX my Deed and Trust and Note were transferred to PHH Mortgage. Ocwen Loan Services and and their Substitute Trustee, XXXX XXXX XXXX of XXXX XXXX XXXX, have continued to try and sell my house in Judicial Sale. The have no legal right to sell my home because they no longer own the debt. PHH Mortgage has agreed to work with me to avoid foreclosure. Ocwen Loan Services and its appointees are committing fraud by moving forward on a foreclosure sale on my home. XXXX XXXX XXXX and Ocwen Loan Services have illegal foreclosed on my home since XX/XX/XXXX when my loan was transferred. I have asked Ocwen Loan Services and XXXX XXXX XXXX to cancel the illegal selling of my home and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: IL

Complaint narrative:
Creditors have continually violated FCRA, FCDPA, and numerous consumer protection laws aswell as state laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2019, I tried to transfer my available Membership Rewards from American Express to my XXXX XXXX account, but the transfer failed since American Express stated that they are reviewing my purchases to see if they meet qualifying criteria. But for all the purchases, I have already paid for all of my balances on all of my credit cards and charge cards and have not missed a single payment before. This has been the third time this year such an issue happened to me. The last time, also happened in this year, took more than three months to resolve the same problem, which resulted in major changes of my travel plan and my schedule. Contacting American Express customer service was not helpful at all since they obviously don't have much access to what is going on for such matter. I have been a loyal American Express customer for years, and I do not understand why such stupid problem has happened to me multiple times in the same year. I have recently received multiple mailer offers from other competitive banks with great card benefits and sign up bonuses. If this can not be resolved in a week, I will seriously reconsider using American Express products in my future purchases and my continuation of paying for such high annual fees for my cards.

Company response to consumer: Closed with explanation