vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 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: DISCOVER BANK
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : DISCOVERBANK XXXX-XX/XX/XXXX, XXXX- XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I initiated a dispute on XX/XX/2020 in the amount of {$500.00} from the merchant XXXX. Its been over 2 billing cycles since the dispute has been acknowledged and I havent gotten any update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Collection Service, Inc.
State: OR

Complaint narrative:
I have been contacted different times with different amounts from this company about an XXXX XXXX XXXX bill. I have asked them to provide me with some type of official documents that proofs the debt is my. They havent done that and will not remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Trans Union is reporting that I have a current child support order on me. Which I do not. The order is closed already and even though I am current on my payment and they even report that. They are still showing that I am over 90 days late also. How can I have been current for over 24 months straight but that are reporting the late payments from XX/XX/2018 and before. Yes I still have the balance but if they show me as current, why leave the old payment history just to destroy my credit score for no reason.

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 2020-06-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks TOYOTA MOTOR XXXX, XXXX, XXXX, XX/XX/XXXX - XXXX & XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
They keep reporting old debt that cant be verified by the collection agencies that are reporting the debt. I have asked both the companies they are reporting. Over the phone to please email or mail me paperwork verification that the debt is my. No response this debt continue to pop up from different companies every fees years. Same thing no paperwork. How can this continue to happen to people. I have disputed from the company, they come back every they have what they need. Can they show how they proving its right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
They keep reporting old debt that cant be verified by the collection agencies that are reporting the debt. I have asked both the companies they are reporting. Over the phone to please email or mail me paperwork verification that the debt is my. No response this debt continue to pop up from different companies every fees years. Same thing no paperwork. How can this continue to happen to people. I have disputed from the company, they come back every they have what they need. Can they show how they proving its right.

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 2020-06-08 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XXXX of XXXX Hyundai bought back my car. In mid-late XX/XX/XXXX, I received 1 letter stating treat I had a balance left on my car due to leasing contract and the amount the car was sold for. On XXXX XXXX within a week of reviving the letter and after discussing with Hyundai why I was being build in the first place, I paid the bill. I have a paid in full letter backdated from there. In XXXX I was notified my credit was destroyed from a good to great credit score to poor. I investigated through lender tree and have applied for disputes. XXXX disputed and won removed derogatory remark, XX/XX/XXXX fought delinquent and won- they then put the derogatory mark back on my credit on XX/XX/XXXX, I disputed again and won and again fought on XX/XX/XXXX. Every month the same complaint gets out back on my card and damages my credit further even though I have spoke with Hyundai in video recorded conversations and they stated that the account was closed and paid in full since XX/XX/XXXX. I have a paid in full letter from Hyundai from my first investigation as well as my second. My credit is constantly changing and being affected by this company.

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 2020-06-08 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: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : PENNYMAC LOAN SERVIC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history with your company. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history with your company. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Received letter in XXXX XXXX from XXXX XXXX of TX about an account default of {$3300.00} on an account I never opened ( my mail was apparently stolen ). I contacted local office. Contacted local police. Received a fraud packet. Attempted to contact fraud dept./XXXX XXXX w/ multiple voicemails & got no reply. Finally got copy of bad check ( accepted by XXXX XXXX ) in XXXX XXXX. On the reverse of the check is my TX DL number. All other info is fake & not my signature. **Also noticed on my Equifax report a Collections from XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX for use of XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have never been to such a place ( they are in XXXX & XXXX XXXX, not near me in XXXX ). This is not my bill. I never made this visit and don't know how to correct this breach. 

The police told me they couldn't open a report on what I gave them but I could go to identitytheft.gov & fill out the info which would be like a police report for XXXX. I sent them a letter provided by the website, as well as one to Equifax. 

Since then - XXXX, I have heard nothing back from XXXX XXXX nor anything of substance from Equifax. My FICO score has gone from high ( XXXX ) to the low 600s to back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit 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 2020-06-08 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:
I have submitted 2 disputes to this company on or around XX/XX/20, and XX/XX/20. XX/XX/20 results came back that the company verified the information was correct with XXXX and or US Bankruptcy Court of Florida. XXXX I resubmitted a dispute letter with proof that the verification didn't actually take place as you would see in the attach documents. There is a security freeze on XXXX which has verified no information has been giving out, and US Bankruptcy Court of Florida has disclosed they do not report or verify to any credit reporting agency.

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 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted 2 disputes to this company on or around XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX results came back that they refused to reopen an investigation due to me pervious disputing. XX/XX/XXXX I resubmitted a dispute letter as ask explaining my reason for reinvestigation with proof that the verification didn't actually take place and supporting documents as you would see in the attach documents. There is a security freeze on XXXX which has verified no information has been giving out, and US Bankruptcy Court XXXX XXXX has disclosed they do not report or verify to any credit reporting agency.

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 2020-06-08 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: IL

Complaint narrative:
I am a cardholder of the Citibank double cash card. On XX/XX/XXXX of 2020, I was charged by my gym for my monthly membership covering the XXXX XXXX XXXX period in the amount of {$65.00}. The following week, my gym closed due to the coronavirus pandemic and subsequent Illinois stay at home order. As a result, the gym was unable to provide the agreed upon services. I had not attended the gym at any point prior to the closure due to virus concerns. I contacted the gym directly to reverse the charge with no response. 

On XX/XX/XXXX, I entered a dispute through Citibank ( XXXX ) on the basis of services not having been received and was issued a conditional credit in the amount of {$65.00}. Citibank claims to have emailed me requesting additional information on XX/XX/XXXX, however I did not receive an email at the address on file. I received a letter dated XX/XX/XXXX informing me that Citibank had reversed the conditional credit and closed its investigation after receiving additional information from the merchant. Citibank enclosed the evidence they used to deny my claim with their letter and demanded that I respond via mail if I would like to appeal the decision. 

Upon examination of the so called " evidence '', I immediately recognized that the information provided was not in any way related to my case! Citibank used membership contracts, gym usage information, and private agreements of OTHER citibank cardholders who belong to DIFFERENT gyms as the basis for denying my claim. I am now in possession of IDENTIFYING personal information of unrelated 3rd party consumers obtained from unrelated 3rd party merchant gyms ( addresses, phone numbers, names, ages, emails, etc ). The implication ( I would hope ) is that Citibank did not even care to review the information before sending it to me. At worst, it is a shocking example of fraudulent practices and a breach of consumer trust. 

I have contacted Citibank during normal operating hours and was connected to the dispute department. Citibank terminated the call before I had the opportunity to speak with someone. This behavior is unacceptable and must be resolved immediately.

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 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I did a modification in 2009 and the company PHH Mortgage has never reflected my credit history to the three credit reporting agencies. PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX Call toll free : XXXX Fax : XXXX. I have made all of my payments on time and I need this to reflect on my credit report. Because it is not there it creates confusion with companies that I am apply for credit with. I contacted PHH twice and was told that they would get back to me without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
Robo calls come in every day at least 4 times a day. I was only able to speak once with a representitive who told me more than 90 days ago that they will no longer call, but they still are and they still leave robocall voicemails telling me they are a collection agency. need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: PA

Complaint narrative:
XXXX XXXX was my primary care physician in XXXX. I visited their facility in XX/XX/XXXX. I was insured by XXXX XXXX XXXX XXXX Massachusetts at the time. XXXX XXXX XXXX records show that they sent a claim to the insurance company on XX/XX/XXXX. Their records also show that as of XX/XX/XXXX, the insurance company had not responded to the claim. XXXX XXXX then tried to collect the debt from me. As I was insured, the insurance company should have paid my claim. Their failure to respond and pay the claim should not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Original dispute filed with American Express for a charge of XXXX made to XXXX in XXXX of XXXX for the event occurring in XXXX. When XXXX was canceled On XX/XX/XXXX I originally disputed the charge with AmEx and they removed it, then received an alert that my card would be recharged for the amount. Because American Express partners and supports XXXX they are not providing my refund despite the fact that the event did not occur due to COVID-19. Neither XXXX nor AmEx has offered any consideration of the fact that I have now been charged for an event that did not occur. I have received no product or service from this purchase not has American Express tried to resolve it in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX ; NMLS ID Branch XXXX Our account with Specialized Loan Servicing did not not have an escrow account. However, for our XXXX and XXXX payments, we were given the account status as " late ''. We never had an escrow account with any mortgage that we have ever had. We always paid our taxes and insurance personally, annually, and have bank records to prove. Specialized Loan Servicing gave us a " late payment '' status because they " stated we have an escrow account '' when actually we never did and were never late. 

I have been trying to resolve this issue for several months and have had the escrow account removed. However, my credit bureau information for XXXX and XX/XX/2020, has remained the same. This needs to be corrected also. We have given numerous chances for this status to be removed, but, to no avail. We are very frustrated and furious.

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 2020-06-08 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:
By the grace of god ; I Man deny this account. Who is the man verifying that i opened this account? I acknowledge that this debt was established without my knowledge and i have no contractual agreement with this company. Police report and FTC report enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I contact my bank after 19 years of accounts, to get a business cc, I was originally told they were not accepting nay applications for credit cards, then I asked to speak to a manager, or see this policy in writing then the representative stated she would send me the application, I filled it out and submitted back to the bank, and wait almost 4 weeks to then receive a denial of credit, I do not have any outstanding debt payments are made timely, for my mortgages ( 2 ) and no other derogatory statements on my credit. I am attempting to build my business credit and have been rail road  I then received a letter the next day I asked about the credit application stating denial without significant reasoning on what I was denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation