vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Our business Been close since XXXX and we haven't been available to made a single payment on our business account, and they as a tactic to collect the debt has been reporting to my personal credit now my personal credit is mess up and I can't neither rent an apartment because there is a report of no payments on a business account. 

I tried to settle the account and offer the bank to made 6 payments of XXXX each to settle the account the bank say they no willing to settle, I have no option other than close business we on the entertainment and our business has been no operative for a long ride if we can't settle it we will no settle this will be no other option than file bankruptcy in both personal and business and I am trying to avoid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Sunrise credit services XXXX XXXX XXXX Latest attempt is XX/XX/2020 But has been going on for a year or so. 
Disputed this debt verbally with XXXX XXXX XXXX extensively. 
I XXXX XXXX had cosigned on an account for my daughter XXXX XXXX. Years ago. Approximately 12 years ago. She merged her XXXX XXXX XXXX account with her fiance about a year ago. +/- XXXX XXXX XXXX acknowledged this. But I started getting debt calls. Finally after hours and hours of hold time we got a manager to agree that the debt was transferred to the account and the old account was satisfied. A year later now I get a letter from sunrise credit services Inc. Claiming the same exact amount is owed.

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 2020-05-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I contacted Experian over the phone to request a dispute for unauthorized or incomplete or unverified information reported to the consumer credit report. I disputed some accounts and a bankruptcy that been reported to my credit report. I asked Experian supervisor that if they are getting this information from Pacer ( the US court ) that information is incomplete since they dont provide the social security number complete.The supervisor was very unprofessional from the beginning to the end, he didnt care about my issue and all the time when I request for an investigation is very fast and I been asking for the proof that they are basing if the accounts dont get deleted for. This company ( Experian ) has agents in XXXX they are no able to understand and I am not even sure if they are handling my information such as social security in the right way. They refused to delete some account that they are no able to verify since I asked for proof including sent letter to the creditors and they didnt respond to me. Account that need to be removed from my credit report XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the Bankruptcy that they are reporting under my name with an incomplete or incorrect social security number. I disputed that Bankruptcy and they failed to investigate or remove it or send a letter explaining the reason why they didnt remove the information disputed or provide proof of were they got that information with a complete social security number. 

Customer service is horrible, I opened a complaint with CFPB and Experian responded in a way that my complaint was closed without resolution. I will provide a screen shot of the result of this last investigation and how the accounts still in my report. Experian is violating the law and if this complaint dont resolve my issue I will file a lgalas complaint

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 2020-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
An out of state credit union has withdrawn {$8000.00} from our business savings account and Wells Fargo XXXX Colorado on XXXX XXXX refuses to do the 10 day investigation as to why an unauthorized amount to be deducted from our account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
In early XXXX, I received an alert that I had a delinquent account and that my credit score had been severely negatively impacted. A few days later, I received a notice that I had a collection/delinquent account with XXXX. I had terminated my account with XXXX in late XXXX. In late XXXX or XXXX of XXXX, I challenged this delinquency/collection through the process offered online through one of the three credit reporting agencies dispute resolution services. According to that process, XXXX had 45 days to respond ( if I remember correctly ),  and if they did not, then the debt would be wiped away. Well, that deadline passed without a notification or explanation from XXXX, and I noticed that the debt had been dropped from my credit reports and that my score jumped substantially. A couple of months later, I received another collection notice, for the exact same amount of money, from a law firm that had purchased the delinquent account from XXXX. Given that this debt was already wiped away, how can I be pursued again for it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: UT

Complaint narrative:
AFNI is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this account on my file. I never received any phone calls or letters in the mail regarding this debt. As soon as I found out I called and paid it. AFNI stated that they would delete this account and send me a deletion letter and I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is showing a credit card account as " charged off '', which is negatively affecting my credit score. XXXX XXXX incorrectly closed my credit card and reported the credit card as " charged off '', which caused the credit agencies to adversely lower my credit score. I contacted XXXX XXXX about the mistake and was informed a letter was sent to the credit reporting agencies, informing them that my name has since been removed from the card and my responsibility for the card has since been terminated. This incident occurred in the summer of 2017. The incorrect information is causing irreparable harm in searching for a mortgage lender. I spoke to a lender about refinancing my home and the lender stated that there was some negative XXXX XXXX information on my credit report. The reported Experian score is approximately 50+ points lower than my other two scores.

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 2020-05-28 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: TX

Complaint narrative:
XXXX XXXX  issued a VISA Credit Card through XXXX XXXX to me a few years ago and they harassed Me constantly with phone calls 7 days a week, several times a day. I told them to stop, then they turned my account over to a debt collection company who took Me to Court and secured a judgement against Me. Their position is for Me to pay the entire bill including late fees, interest and other misc. fees or they will levy a lien against My assets. 
I called them several times and they are impossible to talk with, all they want is money, not interested in solving the problem. 

In these uncertain times, this is No way to treat a XXXX XXXX Vet who is XXXX but still works. I did My best to keep XXXX satisfied with my ability to pay what I could afford, and they went in a direction that now impacts my credit and well being of my assets in My Bank Accounts. This type of activity should not be allowed and I ask the FTC to treat their actions as discriminatory against Veterans with 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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
California Tax Lien placed on CD XXXX for {$750.00} on XX/XX/XXXX and. Bank reports sent funds to California. 

I have since been independently protesting lien with California authorities and, so far, amounts owed reduced down to {$380.00} with additional action being taken to eliminate entirely. No funds returned as yet. 

Normal due process not followed by the bank. Any California lien, even if valid, would normally have to be domesticated in either Michigan or Delaware ( Discover Bank reported to be a Delaware Corporation ) necessitating proof of service of notice of a hearing and review by a neutral party. No such proper procedures followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity was stolen and someone tried to use my information to open accounts in my name without my permission these inquires ALL NEED TO BE REMOVED as it is a burden on my life and finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
File # XXXX of TransUnion was suppose to update information for the XXXX XXXX account. The account shows bal {$650.00}. That is incorrect. The XXXX XXXX account is at {$0.00}. I submitted a request to TransUnion to update the account. It states on the website it was updated XX/XX/2020. You can verify the attached download information-page 2 ; but, it was not.

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 2020-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: OSG Group Holdings, Inc.
State: OH

Complaint narrative:
Yes. Debt Management Partners : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX owns a debt I occurred through XXXX XXXX XXXX They never once sent a debt validation letter Back in the fall  of XXXX  I received threatening calls for a debt collection agency called XXXX saying I was going to be served papers for a debt owed and that I was being sued by a law firm that agency since closed and was using illegal tactics to collect a date They were abusive and broke the FDCPA I am filing a formal complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/2020 I was scammed by XXXX XXXX. He/she told me that they will sell me their XXXX  account for {$100.00} through XXXX. Upon receiving the money, they never replied. I never received anything in return. They quit communicating with me, once they got the money. 

XXXX XXXX told me to write in the description of the transaction " selling account to XXXX  '' so if I was to scammed by him, I will show that as a proof. But upon calling XXXX, I was told by them to contact my bank as I used my bank account and routing number, which is the XXXX  XXXX XXXX. I use my bank account for most transactions to reduce the charging fees. Using debit/credit charges extra fees. I called my bank and they offered me temporary credit until they further investigated into this matter. But last week, I was told by my bank that they can't help me and they'll be taking back that money as they found out that I did authorize the transaction. I already did tell my bank before the investigation that I authorized the payment so I can get what I paid for by the seller. Which I never got anything in return and was scammed. Also, my bank told me they tried to contact jade menage 's bank and never got any feedback so they gave up on the investigation so it wasn't a successful one. 

Now a little about me, I'm a XXXX XXXX seeking XXXX  in XXXX  at XXXX, that recently XXXX  with an XXXX  with XXXX XXXX and XXXX  from XXXX, XXXX, also I'm an XXXX XXXX XXXX, as a civilian I'm XXXX  on opening XXXX XXXX soon as a XXXX XXXX XXXX. So, now you can see I'm a highly motivating individual that not only is ambitious but also likes to help the community by giving something back. I want to become a XXXX  and XXXX XXXX  XXXX XXXX. I also like working out and stay fit, can't wait to start XXXX XXXX XXXX once the COVID-19 is over. I joined XXXX XXXX XXXX last year at XXXX  years of age, making me the oldest person in my XXXX. I was also one of the people with the highest PT score in my XXXX  regardless of my age, I was competing with these XXXX year olds in anything competitive. 

Meanwhile, people like XXXX XXXX are making a living by scamming people and not working hard. Based on his bank account, he's from XXXX since I can see his payment was converted into XXXX dollars. He has not replied to any of messages once he scammed me. 

I want to walk the extra mile and solve this issue. I want to prove that doing the right thing shouldn't be a problem. I'm going to attach all the convo and transaction pictures to give you a visual as to what really happened. So you see both sides of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
I am very frustrated. My mortgage company ( PennyMac USA ) offered the CARES Act mortgage forbearance when all the COVID-19 craziness happened. We were overwhelmed, stressed, scared and thought this was simply a kind hearted gesture to give relief during these unprecedented times. 

I missed one payment ( XXXX ) under this plan. I received an email that stated when I came out of forbearance that this one payment would simply be automatically added to the end of my loan. I called to verify and was assured that yes, that would be what would automatically happen with no negative impact to me. 

I called today to make the XXXX payment and let PennyMac know all payments would now be made and that the XXXX payment was the only one needing to be added to the end of the loan. 

I spent over 30 minutes on the phone with a representative who told me that I would owe over {$3000.00} in XXXX ... my monthly payment is {$1300.00}. I immediately questioned this as this went against what I was told. She then told me I had to set up a payment plan. She told me I have to pay my regular {$1300.00} payment PLUS {$1900.00} for XXXX, XXXX, XXXX, XXXX and XXXX How does a missed {$1300.00} payment equal {$9500.00} ( {$1900.00} for 5 months )??? 

I again stated what I was told about PennyMac automatically adding the ONE missed payment to the end of my loan. 

She said a Loss Mitigation Agent now needs to contact me. 

So now I am INCREDIBLY stressed ... feeling like I NEVER should have accepted this offer of help because it is now so NOT going to help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My identity was stolen and someone tried to use my information to open accounts in my name without my permission these inquires ALL NEED TO BE REMOVED as it is a burden on my life and finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,  XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, WXXXX, XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2020-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX PROGRESS, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO 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