vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-30 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: AZ

Complaint narrative:
Bought home on XX/XX/2019 from XXXX XXXXXXXX. XXXX XXXX, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX XXXX, Az a copy of home title saying also that it was our home paid in full. Evidently, XXXX XXXX sold our loan to XXXX XXXX who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both XXXX and XXXX XXXX many times and still getting nowhere. XXXX XXXX has put our so called loan on our credit report. Filed with Experian to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the XXXX and XXXX XXXX, who XXXX told us XXXX XXXX would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.

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 2019-06-30 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: Stearns Ventures, LLC
State: AZ

Complaint narrative:
Bought home on XX/XX/2019 from XXXX  XXXX. Stearns Lending, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX XXXX, Az a copy of home title saying also that it was our home paid in full. Evidently, Stearns Lending sold our loan to XXXX XXXX who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both Stearns and XXXX XXXX many times and still getting nowhere. XXXX XXXX has put our so called loan on our credit report. Filed with XXXX   to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the Stearns and XXXX XXXX, who Stearns told us XXXX XXXX would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.

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 2019-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To Whom it May Concern ; I have been residing in my home since XXXX I paid my mortgage monthly on time for the first 7 years. On XXXX and XXXX of XXXX I paid the mortgage {$200.00} for each month short and Countrywide instead of allowing me to make a payment of {$100.00} extra each month, they instead created a 2 and half year loan modification for only {$400.00}!! And of course we know that Countrywide is now Bank of America. My loan is now showing to be 87 months late and a rolling 90 days late. And it is also showing that the mortgage should be paid in 44 years!!! I have attempted to work with Bank of America and it is to no avail. I had a loan modification done in XXXX and Bank of America took away 12 years worth of mortgage payments!! Bank of America reversed the mortgage back to 30 years!! I can not believe what Bank of America has done to my loan!! Bank of America has snowballed my loan to where now I am not able to refinance my loan with another company due to the history of the loan. I need for the CFPB to help me get this predator lender to get my loan to show that my mortgage should only be paid off in the next 10 years. Bank of America has grossly done very UNETHICAL processing in my loan by having returned my loan to 30 years when I had already paid the mortgage for 12 years. I understand that I have been in arrears however I have paid the mortgage under several programs. At this time the mortgage has been in a loan modification for {$360.00} dollars since last year. And Bank of America makes payment every 2 months!! I need my house, I like my house and and I want my house. Bank of America does not delve deep into a resolution with all of the account managers that are constantly revolving. I know that as a mortgagee I should be able to have a permanent account manager. Bank of America is not aware of the fact that I worked for Countrywide for 7 years and saw the unethical processing done to the mortgagee 's who were brought in from small mortgage companies. I need help in order to sit with Bank of America for approximately 2 hours in order for them to add up my mortgage payments and determine exact amount that I need to pay in order to get my mortgage paid off. I'm disgusted with my mortgage.

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 2019-06-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Prior to XX/XX/XXXX, I sent communication to XXXX to freeze my account. On XX/XX/2019, I sent to the credit reporting agencies : Equifax, XXXX, and XXXX communication disputing a bankruptcy that is on my credit file. 

On or around XX/XX/2019, I received communication from the three credit reporting that they had verified the information with the credit bureaus. 

If XXXX had been frozen, and the bankruptcy court ( see attached ) states that they do not verify any information with the three credit bureaus, then how did they verify the information for accuracy?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to XXXX XXXX stating that they are reporting on my credit report a debt that I do now owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. 

The company could not provide me with competent evidence that states that i had any legal obligation to pay them.

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 2019-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
According to a Comenity Bank ( XXXX XXXX XXXX XXXX   ) telephone representative, I have been a retail cardholder since XXXX. I do not believe that my credit card has ever had a credit limit over {$500.00}. I do not believe that I have ever use the credit card to its limit amount. The credit card is serviced by Comenity Bank. 

I have been able to access my credit card statements from XX/XX/XXXX to current. As of XX/XX/XXXX, the previous credit card balance was {$450.00}. The XX/XX/XXXX statement reflected a payment of {$82.00}, a fee of {$37.00}, an interest charge of {$9.00}, an available credit amount of {$77.00} and a new balance of {$420.00}. 

As of XX/XX/XXXX, my credit card balance is {$430.00}. Between the billing cycles of XX/XX/XXXX and XX/XX/XXXX, I have charged a total of {$90.00} on the credit card, I have made a total of {$880.00} in payments, I have been charged a total of {$540.00} in fees and {$220.00} in interest. I believe that Comenity Bank has gotten more than the benefit of their bargain and that they are now simply making money off late fees and this is abusive. 

Since XXXX I have paid a total of {$240.00} and will not pay Comenity Bank any more money as they have received more than their fair share for the amount of credit used and services offered. 

I have had periods of unemployment and underemployment over the years and have not used the credit card to excess and I believe that I have paid much more than I have used. 

While I do not think it ethical to pay the current amount of late fees, I tried to mitigate earning more while I address the bill however the company insists on continuing to charge late fees even if the account is closed. This is abusive and unconscionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please REMOVE any and all fruad alerts, freezes, and remarks from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: GA

Complaint narrative:
Prior to XX/XX/XXXX, I sent communication to XXXX to freeze my account. On XX/XX/2019, I sent to the credit reporting agencies : XXXX, XXXX, and Transunion communication disputing a bankruptcy that is on my credit file. 

On or around XX/XX/2019, I received communication from the three credit reporting that they had verified the information with the credit bureaus. 

If XXXX had been frozen, and the bankruptcy court ( see attached ) states that they do not verify any information with the three credit bureaus, then how did they verify the information for accuracy?

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 2019-06-30 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: GA

Complaint narrative:
Prior to XX/XX/XXXX, I sent communication to XXXX to freeze my account. On XX/XX/2019, I sent to the credit reporting agencies : XXXX, Experian, and XXXX communication disputing a bankruptcy that is on my credit file. 

On or around XX/XX/2019, I received communication from the three credit reporting that they had verified the information with the credit bureaus. 

If XXXX had been frozen, and the bankruptcy court ( see attached ) states that they do not verify any information with the three credit bureaus, then how did they verify the information for accuracy?

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 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please REMOVE any and all fruad alerts, freezes, and remarks from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please REMOVE any and all fruad alerts, freezes, and remarks from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Redfin Mortgage, LLC
State: NC

Complaint narrative:
My mortgage company provided my 'final closing disclosure ' around 24-hours before closing on my purchase. Even still, I walked into closing only to discover that the 'final closing disclosure ' was wrong by nearly {$1000.00}. The closing attorney and realtor asked how I wanted to proceed. Since we flew down primarily to close, and get the new place set up, I really didn't have a choice -- and proceeded with closing. 

I thought I understood the Tila-Respa guidelines to require the lender give me a good representation of 'final fees ' at least 3 business days prior to settlement. If that's true, how can the above be acceptable? 

I've left two voicemail messages, and sent an email, to my loan officer. No reply, nearly a week later. HELP! What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: IL

Complaint narrative:
I contacted Experian, XXXX, and XXXX on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on Experian, 9 on XXXX and 8 on XXXX. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.

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 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Pulled Credit report on XX/XX/2019 Found item on credit report and disputed by sending letter to company. 
Received letter on XX/XX/2019 with no verification of account belonging to me. 
Sent a second letter for verification that account was in fact mine. 
Received letter on XX/XX/2019 saying account was not found. 

Pulled report again on XX/XX/2019 and account is still on report and not disputed. 

Chase Card Services has not provided proof that this account belongs to me, then after asking for proof they send a letter stating that there is no account found. 

I demand this be removed from the credit bureaus as it has a negative impact on all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX someone used my PayPal account to send 2 transactions minutes apart for XXXX and XXXX to a XXXX XXXX. I stopped all means of payments thru my bank and credit cards as they considered it fraud, this person lives in XXXX XXXX. I contacted PayPal immediately and they said they would investigate and never did, they are now insisting I owe the money. Looking at my account today this XXXX XXXX has not received the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to XXXX XXXX stating that they are reporting on my credit report a debt that I do now owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. 

The company could not provide me with competent evidence that states that i had any legal obligation to pay them.

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 2019-06-30 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: GA

Complaint narrative:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX   XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from. I have reached out to the FTC and my local police. Im doing this on my own behalf. Please remove them as well 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 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 non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to XXXX XXXX stating that they are reporting on my credit report a debt that I do now owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. 

The company could not provide me with competent evidence that states that i had any legal obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: GA

Complaint narrative:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from. I have reached out to the FTC and my local police. Im doing this on my own behalf. Please remove them as well 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 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 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 2019-06-30 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: GA

Complaint narrative:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from. I have reached out to the FTC and my local police. Im doing this on my own behalf. Please remove them as well 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  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXXXXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On the XXXXXXXX platform, I traded cryptocurrency I sold bitcoins for three people these people paid via the paypal service a few days after the paypal service I started receiving unauthorized transactions. I have sent recipt from bitcoin sales paypal service he charged my account chargeback they are not interested in the problem of an unauthorized transaction it is important for them to destroy my person they charge an additional {$20.00} for each chargeback. 
May written with goods and service transactions are not covered seler protection also the buyer money is taken by the financial institution.the amount that charge me the paypal service is about {$4500.00} please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have contacted capital one regarding a credit inquiry on my XXXX credit report. Capital one could not find this inquiry in there files and stated for me to dispute with the credit bureau. I disputed with the credit bureau and it keeps coming back as verified. Capital one stated they do not have a credit inquiry in there file for XX/XX/2019 for me. I want the inquiry removed immediately!

Company response to consumer: Closed with non-monetary relief