vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
I submitted all the proper identity theft documents including a police report and identity theft affidavit back on XX/XX/2020. I have proof of the certified mail receipts showing the dates received by all 3 bureaus ... .nothing was done.The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
I submitted all the proper identity theft documents including a police report and identity theft affidavit back on XX/XX/2020. I have proof of the certified mail receipts showing the dates received by all 3 bureaus ... .nothing was done.The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-12-28 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: NC

Complaint narrative:
I filed a dispute about some inaccurate things on my credit report. It's been over 30 days and I havent received any investigation results.

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In XXXX of XXXX I fell and XXXX XXXX. I was a XXXX contract employee and could not get XXXX. I had a hard time working and even needed XXXX. I unfortunately fell on hard fiscal times and missed several payments on multiple credit cards. 
I spoke with Discover in XX/XX/XXXX. I had missed several payments and was over my {$5000.00} limit. 
I was given 2 options as to what I could do about my missed payments. Option 1 was close my account and enter in to a low interest payment program for the term of the repayment. The 2nd option was I go in to a repayment program and after 12 months, I was told I would get my card back. I even asked if I make all my payments for 12 months would I get my card back and was told I would. 
In XX/XX/XXXX after making every single payment on time I wasn't given my card back. I called Discover and was told that they would have to do a review to get my card back. I wasnt told this in XXXX of XXXX. I was also taken out of the repayment program and my interest fees were doubled as was my minimum monthly payment. ( From {$75.00} to {$150.00} ). Even with this hardship of double the amount of my payments I still made my payments every month. This added {$75.00} additional payment lead to many hardships for me. There were months were I couldnt even buy food. I still held up my end of the deal and made every payment. 


In XXXX of XXXX I began to try to repay all of my debt. By XXXX of XXXX I paid down most of my debt, including Discover. 
On XX/XX/XXXX I received an email that my discover card was being closed. Even though I did all they had asked of me. If I wasn't lied to in XXXX I would have taken the option to close my card then and taken the other program with lower interest for the entire program. 
Discover 's dishonest tactics ended up causing significant hardships as well as over {$1000.00} in additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: AL

Complaint narrative:
XXXX keeps declining my paychecks. I have had a few bad checks there but that was over 10 years ago and they were all paid. I was the victim of identity theft and im sick if not being able to cadh my paychrcks myself. I can't get a normal bank account because of this very reason. I think it us wrong that I can not cash my check to us 100 percent guaranteed.

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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION

Complaint narrative:
I began my application process for a new mortgage with Amerisave but was really disappointed with the service I received. My contact there was unprofessional, frequently mixing up my information with another customers, calling me from his cell phone without telling me his NMLS ID, and just generally being sloppy. I discussed with Amerisave that I wanted to move my application elsewhere, and they agreed to refund me my {$500.00} application deposit. I have spent the past 6 weeks trying to get that refund and my emails have been consistently ignored. I have tried escalating this over the phone and they keep promising that they will refund me, but never do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 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: TX

Complaint narrative:
On XX/XX/2020 I sent a dispute to Experian regarding an unauthorized XXXX  XXXX XXXX account # XXXX. Experian has thirty 30 days to respond or delete the item. They have not done so.

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 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Im beyond furious with another payment returned. Check out the emails Ive enclosed. I dont have accounts with XXXX XXXX or XXXX XXXX XXXX linked to PayPal Credit. 

My default auto payment is XXXX XXXXXXXX XXXX XXXX. While settling in with family for XXXX XXXX, I saw these emails. I quickly made payment from XXXX XXXX XXXX, XXXX XXXX to me Synchrony! 

Im escalating this to the CPFB as well. My account with XXXX is in good standing and has been funded when these payments were presented. 

Im asking for refund of any fees ( returned item and late payment ). 
Im also asking the account be closed to advances per my instruction and my credit report note as such. The closed by creditor is a negative on my credit file and this closure has not been my fault. 

Im planning to pay off by XX/XX/XXXX to avoid deferred fees and will have to consider whether to give PayPal and Synchrony any of my business with this continuing horrible service experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, XXXX XXXX is reporting my payments on my XX/XX/XXXX and XXXX XXXX bills as more than 30 days late. However, this is a result of poor processing by the XXXX XXXX telephone agent. 

Based on my own records, and confirmed by XXXX XXXX, on or about XX/XX/XXXX I called XXXX XXXX to authorize full payment on my account. XXXX XXXX has confirmed this. Accordingly, my XX/XX/XXXX invoice should have been timely paid. 

However, the telephone agent did not fully draw the authorized amount. Because of this, the amounts I paid at the end of XXXX ( received 31 days after XX/XX/XXXX ) were deemed late payment on my XX/XX/XXXX invoice and subsequent payments have been tagged as 30 days late ( because bills I was intending to pay at the time of invoice were then deemed applied to the older bills ). 

I called again this morning when I received my notice that the dispute was not resolved to clarify this error and I was told, again, that they acknowledge I called to make payment but because I did not catch the agent 's error prior to the 30 day mark XXXX XXXX will not take the late payment mark off my account. 

I truly feel this does not accurately reflect anything about my credit history, and it is literally going to cost me money on all future borrowings.

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 2020-12-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, XXXX XXXX is reporting my payments on my XX/XX/XXXX and XXXX XXXX bills as more than 30 days late. However, this is a result of poor processing by the XXXX XXXX telephone agent. 

Based on my own records, and confirmed by XXXX XXXX, on or about XX/XX/XXXX I called XXXX XXXX to authorize full payment on my account. XXXX XXXX has confirmed this. Accordingly, my XX/XX/XXXX invoice should have been timely paid. 

However, the telephone agent did not fully draw the authorized amount. Because of this, the amounts I paid at the end of XXXX ( received 31 days after XX/XX/XXXX ) were deemed late payment on my XX/XX/XXXX invoice and subsequent payments have been tagged as 30 days late ( because bills I was intending to pay at the time of invoice were then deemed applied to the older bills ). 

I called again this morning when I received my notice that the dispute was not resolved to clarify this error and I was told, again, that they acknowledge I called to make payment but because I did not catch the agent 's error prior to the 30 day mark XXXX XXXX will not take the late payment mark off my account. 

I truly feel this does not accurately reflect anything about my credit history, and it is literally going to cost me money on all future borrowings.

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 2020-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Monday, XX/XX/XXXX, I called my lender BMO Harris Bank to request 12 months of copies of my mortgage statements showing I've paid my mortgage on time, as part of a refinance transaction. I was told by 2 individuals this was not possible because the bank sold their servicing to another company and they lost the history during the transition ... .. On both occasions I asked for it to be escalated and I was thrown in to a black a hole where I had to continue to enter my social security number ( again ), etc., with no one coming back on the line. On the third time, I spoke to a lovely lady, XXXX, who said that they could pull the history, not the statements themselves as she confirmed their was information lost during the transition. Seriously, all statements used to be on my Online banking, now there's a huge gap and no statements prior to the transfer of the loan. 

My issues are : 1. I have to get my loan out of this bank, they are extremely incompetent. How can I refinance to get rid of them if I can not provide the required statement information being requested of any lender for a refinance.

2. How am I supposed to trust that they didn't do anything funny with the amount of money I owe on a loan when they can not produce a paper trail of my statements?

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 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute about some inaccurate things on my credit report. It's been over 30 days and I havent received any investigation results.

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 2020-12-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute about some inaccurate things on my credit report. It's been over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I was sue for a debt i didn't owed, i did won the case, plaintiff and court dismissed the case, but shows in my credit report as sold pro Collect a collection debt for {$1700.00}. this is illegal.

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 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Can not contact XXXX company to dispute the fees being charged to my account, I have tried several times to contact over the phone and get no were, they keep going thru the menu and then hang up.They are taking between 8 to 10 % fees from my account that is linked to XXXX, the fees are supposed to be 2.9 % plus {$.00}. 
I been frustrated trying to contact with no avail, to have them correct this issue and charge the appropriate fee. 
I hope you can get this straightened out. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: FL

Complaint narrative:
My mortgage processing company 's name is XXXX XXXX. XXXX  XXXX not credit a mortgage payment to my account. I contacted them in writing via their preferred method of contact, email to their research department, with evidence of payment for my XXXX bill. I emailed proof of payment in the form of an endorsed check - endorsed by XXXX. The payment never processed the account even though the check was cashed. They credited the next month 's check earmarked for XXXX payment as my XXXX payment and continued this moving up to this date with my future payments ... 

I emailed this information on XX/XX/XXXX and XX/XX/XXXX. 

My check in the amount of payment due, {$1900.00} was processed by my bank, XXXX XXXX XXXX, and sent to XXXX XXXX on XX/XX/2020. The check was cashed on .... 

I continued to followup with the lender weekly via email and phone calls. They did not address the issue and have sent multiple notices of " default and cure letter '' without reviewing my proof of payment which created the issue. They have not said they tried to located funds I sent and credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an account on my Transunion credit report with a installment about called XXXX # XXXX. I submitted a fraud affidavit and a 30 demand to comply. The item was not deleted nor did I hear from Transunion. I need this item deleted.

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Please review summary of facts letter Exhibit A and also please review American Express online chat messages from XX/XX/XXXX through XXXX XXXX today. After reviewing American Express billing rights statements Exhibit B closing date XX/XX/XXXX it is obvious clear that American Express customer care services and the online chat messages are in violation of that same your billing right statements. Stating while we investigate whether or not there has been an error, we can not collect the amount in question which in this case is the total balance of {$24000.00}. They aggressively tried and continuously to ask for the minimum payment to be paid which is {$2800.00} this is also included in the dispute question and is being investigated. They even try to offer me a payment plan on the disputed balance, as you can review in the online chat. Not once did American Express ask me my concerns about the disputed balance only talk about how Im going to pay or make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
Fortiva XXXX XXXX charged me on XXXX for XXXX I called them and they said I would have to wait to get letter. I tried to fax to the number on the dispute form XXXX and then on my statement XXXX. 

I called on XXXX and asked to speak to the XXXX, ga office and was transferred to what i thought was XXXX but was an off shore call center. I told that lady that I have mailed my dispute in on XXXX called 7 days later to confirm. They insisted i didn't send it in I then told them about their fax numbers and they advised i did know how to fax but yet I run an Insurance office for over 15 years. 

Then I was transferred to another dept and a lady named XXXX with Id # XXXX answered and all the sudden they found my written dispute today XXXX I have done every step they have asked me to do including going to the XXXX store i shop at and to get the manage on the phone with them to confirm if the transaction took place and the manager confirmed they have no record. 

I believe that they have charged someone else 's transaction to me and they dont want to admit it.

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