vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
In XXXX we were switched to Freedom Mortgage. We were in the middle of refinancing with our other company, but regardless Freedom acted clueless about what was going on. Once they realized we were refinancing we were instructed to make our trial payments and the paperwork for our final monthly payment would be finished up by their lawyers. So we made those payments and have waited and waited for our paperwork to disclose the new payments. Every week we call and no one can give an answer, their service people have taken all our payment info and then when they get to the final step it says they can't take a payment on this account due to refi. I even received a paper bill that no one can put a payment through for. Well, now it's XX/XX/XXXX and they still haven't done their job. We've been reported to the credit bureau as being 3 months past due on our mortgage, we are getting phone calls from the recovery dept asking when we are going to pay. It is incredibly infuriating. After months of absolute anarchy on their end, we FINALLY got their " supervisor '' XXXX to give us a call. He called at XXXX on a Monday night, incredibly inconsiderate and unprofessional. He put us on hold multiple times, once for almost ten minutes. Finally he claimed he could process our payments and when we were getting our checkbook he HUNG UP and when we called back " he had left for the day. '' Freedom has been giving us the run around while destroying our credit score for 6 long months.

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 2020-06-23 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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX XXXXXXXX {$510.00} XXXX XXXX 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 2020-06-23 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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX XXXX {$510.00} XXXX XXXX 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 2020-06-23 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I applied for a mortgage with USAA and was approved twice. As needed I paid for Inspections, Appraisals, and waited for the closing. Days for the closing I could not reach anyone for the closing documents. After calling a manager I was told I did not qualify for the loan. After months of looking for a home and money send that was that. As a XXXX veteran, I feel mistreated by USAA and its management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I can't open a XXXX account with PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I hired a credit repair agency almost 2 years ago and there have been five different rounds of attempts to resolve the issue and the company is just not budging on anything and they are reporting to two of the three credit bureaus at the moment and its greatly affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

CHAPTER XXXX BANKRUPTCYDISMISSEDXXXX

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 2020-06-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC
State: AZ

Complaint narrative:
I have student loans with XXXX State University that somehow went to collections when the rest of my loans didn't. I've tried numerous times to contact and speak to someone from XXXX but have had no luck. 

They have sent a balance of {$8500.00} to collections twice. Once with XXXX XXXX XXXX, which I was able to delete off XXXX   and XXXX with the help of XXXX XXXX, but now they sent it to another collections agency Reliant Capital Solutions almost a year later. 

Reliant Capital Solutions has been constantly contacting me over this amount and already sent it to XXXX which dropped my credit score 84 points and causing a huge disruption in my life when i'm trying to buy a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}

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 2020-06-23 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}

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 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have a mortgage with Wells Fargo. I pay the mortgage by payroll deduction every two weeks of 1/2 the monthly mortgage amount. I entered into a covid19 forbearance agreement to suspend payments for three months. Before the end of the three month period I requested resumption of the payroll deduction payments and I requested that Wells Fargo deduct from my checking account, the amount of all missed payments, plus one extra payment. The same day, I requested the termination of PMI payments. My request was denied even though I am otherwise qualified to have the PMI eliminated. Wells Fargo explained that the forbearance created a one month delinquency on my credit report account and that I must wait 12 months before making a new request. This refusal means that I will pay over {$500.00} in PMI over the next 12 month waiting period.

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 2020-06-23 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$3000.00} XXXX XXXX   XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX 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 2020-06-23 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 for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$3000.00} XXXX XXXX   XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX 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 2020-06-23 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$3000.00} XXXX XXXX   XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I BOUGHT SOMETHING ON XXXX.THE SELLER SENT THE PACKAGE TO A WRONG ADDRESS IN MY AREA TO MAKE IT LOOK LIKE I GOT THE PACKAGE.WHEN I STARTED THE DISPUTE WITH PAYPAL THEY AWARDED THE SELLER BECAUSE HE UPLOADED THE TRACKING AND IT SAID DELIVERED.WHEN I CONTACTED UPS WITH THE TRACKING THEY SAID IT WAS THE WRONG ADDRESS BUT COULD NOT TELL ME THE ADDRESS BECAUSE OF PRIVACY ISSUE.I NEED BACK MY MONEY.


!!!!!!!THIS DUDE IS A XXXX DUDE SCAMMING AMERICANS AND PAYPAL IS HELPING HIM!!!!!!!


THIS SELLER IS A SCAMMER. HIS WEBSITE IS XXXX   OTHER PEOPLE ON THE INTERNET KNOWS HE IS A SCAMMER 

LOOK AT THIS XXXX  POST XXXX   AND THIS XXXX VIDEO XXXX IF I DO NOT GET MY MONEY BACK IM SUING PAYPAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

CHAPTER XXXX BANKRUPTCYDISMISSEDXXXX

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 2020-06-23 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

CHAPTER XXXX BANKRUPTCYDISMISSEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ballybunion Enterprises, Inc
State: VA

Complaint narrative:
Im financially damaged because i had to hire XXXX XXXX to aid in removing this inner derogatory of my report. The statue of limitation in North Carolina is 3 years. The drop off date is XX/XX/2020 for this charge that is trying to be reinstated into 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 2020-06-23 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: NY

Complaint narrative:
I have several items on my credit that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX {$300.00} XXXX {$680.00} XXXX {$2800.00}

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 2020-06-23 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:
Experian refuses to remove this inaccurate account ( XXXX # XXXX ) I have sent them all the documentation as to WHY this account is reporting inaccurate I dont have this problem with XXXX   they REMOVED this account and I sent them the same Documentation What makes Experian so special I would really like to know? 

I have attached PROOF of this account being removed from XXXX. XXXX no longer owns this account and its reporting on my Experian account as with a Past Due balance which is a clear violation

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for a CapitalOne XXXX card in XXXX, with a zero percent introductory rate for 12 months. After reviewing my statements, I realized they have been charging me interest greater than 15 % since I received the card. When I contacted CapitalOne, they said I was likely declined for the card with zero percent interest that I originally applied for and was given a counter offer of this card instead. I do not recall any notification of being declined for the original offer and feel I was tricked into the card I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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:
I have been reaching out to Experian and XXXX regarding an account that was placed on my credit report back in XXXX with XXXX XXXX XXXX. I have sent over 10 letters and verification of all documents requesting that an investigation be done since this same account was on my credit report under XXXX years ago and was removed from all 3 because I do not owe this debt. The company just sent me a signed contract from XXXX on XXXX XXXX which very well indicates a one year contract which I canceled because # 1 my house was broken into and # 2 XXXX went out of business after filing a Chpter XXXX. I have contacted this debt buying company as well to get this information removed, I have filed several complaints with the XXXX XXXX XXXX  and with the CFPB because 1st I never received the validity of the debt within 30 days of request. Also it's a debt that I donot owe. Both Experian and XXXX continue to Update this information from XXXX XXXX   with out any verification. Therefore I have also seeked an attorney for assistance and received a call from XXXX on Friday XXXX XXXX from XXXX XXXX XXXX telling me that he received an email from XXXX indicating that this was a verbal agreement to continue my contract with XXXX he also stated that there was no signed affadavidit however he would send me what they received. So therefore there is nothing showing I owe this debt and there was never a conversation that we can go to court on stating I agreed to this, .Credit report shows placed for collections XXXX howeer this was added in XXXX indicates that XXXX/ XXXX is the company and my paperwork which they sent me states XXXX XXXX which was the solicting company working for 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 2020-06-23 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 get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items 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 2020-06-23 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items 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