vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 2020-07-13 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: Mr. Cooper Group Inc.
State: SD

Complaint narrative:
XXXX  is reporting my account delinquent over 100 days after my mortgage was transferred from XXXX XXXX  to Mr Cooper ( nation star ). My loan was going through loan modification process at XXXX XXXX   while it was transferred. My payments have never been late according to the loan paperwork documents. I have made complaint with XXXX  and requested Mr Cooper to fix the reporting error. 1 representative told me it was reporting wrong because I made 2 payments that posted in XXXX. Therefore 1 of the payments should have been posted in XXXX but never had been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: NC

Complaint narrative:
Once again, I have sent Experian numerous letters and copies of my credit report showing the inaccuracies of accounts that are reporting incorrectly on my credit file. They continue to respond stating the accounts are accurate or updated however, I have shown proof that their investigation was not properly done. The 1st letter was sent on XXXX showing them the below accounts were reporting inaccurately on all 3 bureaus. I sent a 2nd letter on XX/XX/15 highlighting the same accounts reporting inaccurately and letting them know that even after bringing this to there attention they continue to allow the information to report wrong and this is a violation. These are blatant FCRA violations and need to be addressed immediately. The accounts mentioned in this complaint have different date of last activity and date of last payment dates on all 3 bureaus. Clearly inconsistent information shown to Experian numerous times. Attached are the proof as well as the letters sent to Experian showing they failed to conduct a proper investigation. The previous complaint they stated was not initiated by me which is a lie. I have provided all my personal information.

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 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
On XX/XX/XXXX, I initiated a trade to sell {$500.00} to buy XXXX using Transferwise. Shortly afterwards, ( they claim hour and a half ), I was able to cancel the trade on thr app. The reason for the cancel is, I realised I held XXXX in my bank account, and traded with Transferwise for XXXX. But I only executed the trade for XXXX only after I was able to cancel the trade for {$500.00} on their app. The reason is I have cancelled in the recent past without incident. I have been unable to cancel on their app after a short timeframe and accept this as reasonable. This time, I was able to cancel and, because of all previous experience, believed there was no problem. In the past, if I tried to cancel, and the transaction was being processes as over 30 minutes or the US amount was already ringfenced, the Transferwise app did not allow it. 
Because Transferwise took XXXX and then tried to take an additional XXXX, my XXXX XXXX has charged me {$29.00} in an NSF fee ; because taking the XXXX would have created an unauthorised overdraft on my bank account. I asked Transferwise to pay the fee as they took the XXXX, and then tried to take the XXXX. I only learned of the fee the following day when I got an email from my XXXX XXXX. I have had to contact Transferwise to try to resolve this every step of the way. I even have to chase them as they do not reply to my emails. Transferwise never contacted me without being chased, and I have had to intiate all contacts to try to resolve the matter. I requested times to justify their argument about cancelling an hour and a half later ( they did not comply ) or explain how I was able to cancel a trade and they still take the funds ( it has never happened before ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 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: LAKEVIEW LOAN SERVICING, LLC
State: KY

Complaint narrative:
Since mid XXXX I have been trying to get XXXX to correct my payment history. They have reported a payment of more than 30 days late in XXXX of 2019. When I call to talk to them about the issue they state that their records show I made the payment on time and that they are reporting it correctly. However it is still being reported as more than 30 days late on my credit report. I have filed disputes starting in mid XXXX with the credit bureaus that did not fix the problem. I have now filed multiple disputes with XXXX internally that have so far not fixed the problem. Each time they come back and say they are reporting it correctly and I have to start the process over again which takes weeks. I have made multiple phone calls and been on the phone for multiple hours trying to get them to update my payment history correctly and each time am told the dispute is in process or the dispute is done and they found their information to be correct. As of today my credit report from all three bureaus still shows a payment of more than 30 days late in XXXX of 2019 after hours on the phone and multiple disputes for the last three months I will include a payment history provided to me from XXXX showing that I made the payment on XXXX the XXXX of 2019. I will also include a picture of my payment history as it has been reported to all three bureaus by XXXX. Their refusal to investigate this issue thoroughly and fix their error is causing me financial harm. I am unable to gain pre-approval for a home loan I need to help house my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Carrington Loan loans. loan number XXXX. XXXX XXXX XXXX borrower. property address XXXX XXXX XXXX XXXX, Oh XXXX. 

The servicer has not paid the annual insurance expense, which is inc. in escrows. Ins agent called several times to investigate and received no response. Ins. agent called me to inform me of the issue and advise the policy was due to expire without payment in 10 days. I called carrington, spoke to service rep, and she advised she would investigage and call the carrier. I requested a phone call/email to confirm problem was resolved. I was told she can not verify this, and I would have to call back in 2-3 business days to confirm. I advised this was unacceptable, as we encountered the same issue last year. When I requested to speak to a supervisor, service rep hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Experian to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 JP Morgan Chase Bank closes my account because they say I got a deposit that was a business loan and my account wasnt a business account so they close my account and took all of my funds I had in my account. I cant even pay any of my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivable Asset Management
State: AZ

Complaint narrative:
I received a telephone call from a company identifying as the XXXX XXXX. The contact name was XXXX XXXX. He advised that I owed money on an account with XXXX which I did not recognize. He further advised that if I did not pay immediately he would Institute a warrant for my arrest. I advised that I needed further information on this debt in writing which you refused to provide.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I mailed out dispute to XXXX, XXXX  and Experian about my name being incorrect on my report and wrong mailing addresses on my account more than 30 days ago. I included my License, Social Security and even a recent bill for verification.

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 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I attempted to place a wire for {$5000.00} through the website for the bank on XX/XX/XXXX and got an error message twice, due to the urgency of the payment I payed via another method. I was surprised to find on the XXXX that 2 wires had gone through for a total of {$10000.00}. I promptly called the bank and was told it was a problem with their tech platform and that they would issue a recall for both wires. I followed up several times with them as this was a large amount and each time the specifically confirmed that both wires had a recall placed. Finally on XX/XX/XXXX {$5000.00} was returned to my account but the second wire of {$5000.00} was not refunded. I called the following week to ask about the second recall after the first had been issued and the agent let me know that it was still processing and that I just needed to wait. When I called again on XX/XX/XXXX I was then informed that the second wire recall that was mentioned in all the calls and the one I specifically confirmed and inquired about in multiple calls was never placed. That if I didn't make that call and had simply waited as instructed I would have never received back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Hello, I applied for a Credit Card with American Express in XX/XX/XXXX. At the time when I applied for the card, I didn't realize I was applying for a charge card that had to be paid off every billing cycle ( end of month ). I used the card for almost 2 years, never missed a payment, and always paid the balance in full - unless I had made prior arrangements with AMEX since they offered to extend the payment deadlines with no penalty stating it was a courtesy feature for charge amounts over {$100.00}, but I will have to pay interest on the balance and there will a minimum amount due also. 

In XX/XX/XXXX, I called AMEX and informed them I won't be able to make my XXXX payment by due date but I will make two payments in XXXX and then call them sometime in XXXX or XXXX and pay the balance and they told me that that would be alright. So as planned and discussed with AMEX, I made two payments back to back in XXXX, missed my XXXX Payment and called AMEX in the first week of XXXX to make a minimum payment and discuss payment date for the remainder of the balance. 

Everything seemed to be going as planned so I made two more payments in XXXX to pay the balance in full. In XX/XX/XXXX, I noticed they had marked my account as 30 days past due for XX/XX/XXXX so I called them and asked why they were doing that when I had made prior arrangements to make those payments when I could and the person I spoke with told me they didnt have any notes whatsoever in their system stating anything about the payment arrangements I had made with them. I tried for a few months to have that negative reporting from my account but it didnt help. I even opened a dispute with all three credit bureaus and even provided them with proof of payments but they didnt do anything about it. Ive attached a list of payments that I had saved from the AMEX website showing the amount and dates of payments before I closed my account. 

Honestly, this isnt just about having negative reporting removed from my credit file, especially for an account that Ive paid off and closed already. For me this is about doing the right thing, sticking with promises, and honoring the arrangements that were made in advance. Im hoping you will help me with this issue and take whatever steps necessary so that AMEX doesnt do this to anyone else. 

I appreciate your time and effort on reviewing my case, and thank you for your understanding and cooperation in this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1800.00} Payment Info Original loan amount {$1800.00} Balance {$1800.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$610.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$610.00} {$610.00} Payment Info Original loan amount {$610.00} Balance {$610.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$640.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$640.00} {$640.00} Payment Info Original loan amount {$640.00} Balance {$640.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX   {$17000.00} Closed 7 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$17000.00} {$21000.00} Payment Info Status Repossession Status date XX/XX/XXXX Past due amount {$17000.00} Original loan amount {$21000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more all ftc violations

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 2020-07-13 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: TX

Complaint narrative:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1800.00} Payment Info Original loan amount {$1800.00} Balance {$1800.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$610.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$610.00} {$610.00} Payment Info Original loan amount {$610.00} Balance {$610.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX  {$640.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$640.00} {$640.00} Payment Info Original loan amount {$640.00} Balance {$640.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX   {$17000.00} Closed 7 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$17000.00} {$21000.00} Payment Info Status Repossession Status date XX/XX/XXXX Past due amount {$17000.00} Original loan amount {$21000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more all ftc violations

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