vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 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:
Step 1 : What is this complaint about? This complaint is related to a problem with XXXX  and Equifax displaying a public record ( bankruptcy ) inaccurately on my credit report. 

Step 2 : What type of problem are you having? The problem is I reached out to U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA, which is the issuer of data on my XXXXXXXX and Equifax credit report, to see how they receive information to put in my credit report. To my surprise, the courts informed me that they do not issue out information to the credit companies. 

Step 3 : What happened? I then reached out to XXXX   and Equifax disputing the item ( public record ) but their investigation resulted into a verification with the data issuer, but how can they say they verified it with the data issuer when the enclosed letter I have provided clearly states that they ( the court ) does not issue out information to credit companies. As a result, I froze my XXXX XXXX, XXXX, and XXXX accounts considering they are the leading providers in giving 3rd party information. Considering that this is reported inaccurately, I would love for you to have them remove the public record off of my Equifax and XXXX credit Report.

Step 4 : What company is this complaint about? The companies I am complaining about or XXXX and Equifax, XXXX XXXX, XXXX, and others. 

Step 5 : Who are the people involved? Myself XXXX XXXX XXXX and the employees of XXXX, Equifax, XXXX XXXX, XXXX, and XXXX. 

Please help me. This is terribly effecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2019, I mailed ( per instructions from WF ) two checks that represented IRA rollovers in two separate Priority Mail envelopes to the address provided by the Wells Fargo ira savings representatives. The delivery of both packages occurred on XX/XX/2019 at XXXX, and both envelopes were signed for by the same person. On XX/XX/2019, my IRA savings account was credited for one of the checks, {$22000.00}, but not the other check in the amount of {$120000.00}. 
I phoned Wells Fargo on XX/XX/2019 to inquire about the missing deposit, and was told that they do not know where the check is, and that they would escalate the issue and that I should call back on Wednesday. 
This is completely unacceptable as a transaction, first because both envelopes were received on MOnday and then a credit was not done until Thursday, and second, because the credit was only done for one of the checks. Both checks were payable to Wells Fargo fbo .. ( insert my name ).

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 2019-10-15 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: Byrider Franchising, LLC
State: MI

Complaint narrative:
CNAC has two closed accounts on my credit report, both are auto loans, one for the ammount of {$8300.00} which was open XX/XX/XXXX, reported XX/XX/XXXX, this loan was paid off when insurance ( XXXX XXXX ) cut the check directly to them for my auto accident for this auto loan. One for the ammount {$10000.00} which states it was open XX/XX/XXXX, reported on XX/XX/XXXX and closed XX/XX/XXXX. Both accounts were paid off in full. With not one late payment. They have negative remarks about my payment history that has been affecting my credit for 4 years now. I have loans from the department of education/XXXX showing a {$0.00} balance still on my report with negative remarks about my payment history. I have many student loans on my report at a {$0.00} balance that were paid in full and either closed accounts/sold accounts/ or months over 7 years old with negative remarks about them being deragatory. I have an account on my report from the u.s department of education opened on XX/XX/XXXX that were just reported on XX/XX/XXXX. I have a account in collections from XXXX that has been removed from two of my credit reports because they knowingly supplied false information to obtain a debt. I am XXXX years old, 50 % of my credit report is inaccurate and or false. I have many  negative remarks about my payment history that are not true and I have suffered from it for the past 4 years now. I have been unable to buy a home, open a credit account, I have even been denied a bank account before because of this, I have been denied apartments because of my credit reports and the false or inaccurate information demeaning my reputation indirectly claiming I have poor payment history or I can't stick contract or payment plan. I couldn't even get an opportunity to lease a new bed I have needed for my daughter for the past year. I have filed disputes to have these matters taken care of and I can no longer not take action it's time to fight for my credit freedom.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX never late XXXX XXXX XXXX {$94.00} not mine XXXX  XXXX not mine XXXX   XXXX not mine CXXXX XXXX XXXX XXXX {$280.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Student loan was initially through XXXX. I had applied for student loan forgiveness. Loan was transferred and during this process the loan appears closed on XXXX XXXX  and my credit score went down 32 points!! The account is apparently still active as I still have a balance of XXXX dollars and I still have a payment due as ofXX/XX/XXXX. This is unacceptable.

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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: NM

Complaint narrative:
Multiple requests have been made from the new lender for the mortgage payoff, The Money Source has refused to cooperate and send over the information while denying that any such requests have been made. Constantly getting the run-around from staff at The Money Source. Rude employees with an abundance of unwillingness to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: TN

Complaint narrative:
I would like to complain about the experience with Experian and their refusal to assist with the removal of the removal of XXXX XXXX  from my credit report. Even with pointing out their inaccuracies on my report. I had asked for proof to be provided to me on how they validated as the information being reports is false or they are reporting a past due on what is showing as a charged off account and should state {$0.00} past due as the debt was since written off. They fail to do so. They are reporting the term as 10 months in which I included the documentation from closing disclosure which is included. I am hopeful by filing a complaint it should bring awareness to the behaviors they are committing and their refusal to assist with repairing credit. I am sure these creditors pay to add whatever they wish and Experian is allowing it! However my report must be 100 accurate and it is 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 2019-10-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I DIDN'T AUTHORIZE THESE INQUIRES. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, 2019 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX. XXXX, 2019 XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My father has a Sam 's Club Synchrony Bank credit card. He passed away on XX/XX/19, and I am the executor of his estate. I called them and closed the account on XX/XX/19. My dad owed a balance of about {$1000.00} and had some money in rewards. They wouldn't just let me use the rewards to pay the balance and said I could " short pay '' the bill and then I could call back to place the rewards against the bill. This sounded to me like I would end up owing finance charges because they didn't seem like they would be quick about it because they told me it would take one to two billing cycles for it to happen. I paid the bill in full and told them I would want a refund check sent to my dad 's estate. They said that could happen. I called back a week or so later to be told that they weren't going to issue me the refund check because rewards just disappear when someone dies. I told them I didn't think that was correct, and I would fight them every step of the way. They escalated the call, and I was told a refund check would be sent, again another one to two billing cycles. It is now XXXX, and I received a bill from them showing a negative balance of {$62.00}. I called again today ( XX/XX/19 ) to ask where the check was. I was told just now that they would have to put in a request for a check, and it would take 4-6 weeks. Seriously, this is ridiculous. I have called at least 5 times. They owe my dad 's estate. I want the money. Can you please help me with this?

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 2019-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I contacted Navient by phone on XX/XX/XXXX to switch the bank account from which my automatic payment is deducted. The company informed me that the only way to do this is to cancel autopay from the old account and then re-enroll with a new account -- their system would not allow a customer to simply substitute a different account. The customer service representative informed me that I would not lose the 0.25 % interest rate reduction that comes with auto pay if I cancelled and renrolled. I then canceled the old account and immediately re-enrolled in autopay with the new account. I did this 21 days before my next payment was scheduled to be deducted. 

On XX/XX/XXXX, I viewed my online account and Iwas still not re-enrolled in auto pay for that month 's payment, which was scheduled for XX/XX/XXXX. In fact, my online account showed that I would not be in autopay until the following month 's payment on XX/XX/XXXX - seven weeks after I simply tried to switch the bank account from which my auto payment would be deducted. In addition, Navient removed the 0.25 % interest rate reduction from my account so I am now being charged a higher interest rate and there is nothing I can do about it ( see the attached billing statements showing the increase from 4.5 % to 4.75 % ). I called Navient and asked the company immediately make sure I was in auto payment and to give me the interest rate reduction that comes with auto payment, but they refused. The company said they would reduce the interest rate when I was fully back in auto pay, but that could take another 5-7 business days - which would be over two weeks since I simply attempted to change the bank account my auto pay comes out of. It is unfair to charge me the extra 0.25 % interest for this period. Presumably this is happening across Navient 's servicing portfolio, and the company is earning this inflated interest rate on any customer who wants to switch bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXXXXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX   XXXX {$94.00} not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX {$280.00} not mine

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 2019-10-15 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: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX ****XXXX never late XXXX XXXX ****5445 inaccurate COLLECTIONS XXXX XXXX XXXX ****XXXX not mine

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 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
They have discussed my debt with another person. 
They have called in-laws. 
They have called my phone numerous times even after leaving messages. 
They call my phone after XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2019 I purchased a storage shed for approximately {$2300.00} from XXXX using my credit card. After 5 days the contractor left a voicemail asking me to call so we could set up an installation date. I left voice messages for them for 5 days and no one returned my call so I called XXXX who also tried to reach the contractor but to no avail. That's when I decided to dispute the transaction on XX/XX/XXXX. Then I immediately received a call from the contractor apologizing and offering incentives to continue with the contract and an installation date was set. So I called the credit card company and rescinded the dispute. About a week later, the contractor called and said my contract was cancelled so I explained what happened and he said he could fix it and the installation was still on schedule. However, they never showed up and have not returned my calls. XXXX says they issued a refund on XX/XX/XXXX but I never received it. On XX/XX/XXXX, I requested that my dispute be re-opened. On XX/XX/XXXX I requested an update on my dispute. On XX/XX/XXXX the bank sent a letter saying the dispute was closed and the charge was valid. please see attached for more details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Paypal is exploiting their virtual platform to avoid reliable human resolution and taking consumer funds without recourse. They then hung up the phone without resolving. 

I sent {$750.00} instant deposit to my daughter via Paypal for an emergency. Minutes later my daughter advised she received notice she will receive funds via e-check in 3-5 business days and not in minutes as advertised. 

I reached out to Paypal to express urgency. Spoke to multiple reps and supervisors. They said they could not stop the transaction nor expedite the payment. Paypal effectively hijacked my money by not giving me an option to cancel the transaction or providing a stop payment. I voiced the fact that they deceptively advertised an instant deposit and did not provide disclosures setting true expectations of funds availability. No pop-up was provided to say " before you send, funds will be sent by check in 3-5 days '' ... no clear notice.

I stayed on the phone for more than 2 Hours. I believe they purposely kept me holding on the phone to wear me down so that I can go away. But I'm not quitting on my daughter during an emergency because a company has poor customer service or simply no respect for customers. 

I even offered to provide additional documentation confirming that my bank account has sufficient funds. They still claimed that they couldnt help me. 

This company is exploiting their virtual platform to avoid reliable human resolution and taking consumer funds without recourse. They then hung up the phone without resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased two items from Macy 's department store. the first was in XX/XX/2019 and the other was in XX/XX/2019. Both items were paid for with my XXXX XXXX credit card. I opened a macy 's in store credit in XX/XX/2019. I paid for the items the same day. When I received the card I never activitated the card. I received payment notices from macy 's I sent copies of my receipt several times. I was told a payment of {$30.00}. was made from my checking account. The number is correct but, I never authorizied the payment. my credit rating has gone down 94 points due to this problem. I made a payment of {$39.00}. yesterday XX/XX/19 to offically close my account with Macy 's after paying the bill I swreated the card. The paying institution for Macy 's is Citibank, NA Department os Stores National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Attached are receipt of payments to Macy 's Department store.

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 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP
State: NY

Complaint narrative:
In the middle of XX/XX/2019, I got a letter saying I owe credit card debt by the Mandarich Law Firm in California. This was a XXXX account ( from XXXX ) in the amount of over {$5000.00}. The company that holds the debt is XXXX XXXX XXXX from XXXX. XXXX. I responded by email asking for information regarding debt. I received it later in the month and found it not to be me. I contacted by phone and, told them it was not me and, it was mistaken identity ( different middle name ). Later received a summons trying to collect such debt. It was mailed in a plain envelop with no return address, delivery confirmation and, no prepaid envelop for return as per my county 's procedure in mailing summons. The first response was dated XX/XX/2019, and summons was dated XX/XX/2019. It was sent late, as I received it on XX/XX/2019. It should not have taken that long for a summons to be sent. All letters sent to me by the law firm had my name without the middle initial even though they had that information from the fore mention phone call. Moreover, the credit card bill had a different address in a different state and the middle initial, both are not my own. They are suing in the wrong state. I have now filed such complaint because of all these transgressions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
My primary mortgage company Ditech was on the verge of bankruptcy processing, my account has been transferred to XXXX started on XX/XX/2019. 

Ditech sent false report that do not match the real monthly payment to new service XXXX, also Ditech sent a delinquent credit report. 

The US Bankruptcy court sent a notification in XX/XX/XXXX, which made me stop 1st check of {$550.00} ( escrow shortages ).  Ditech sent a letter about my mortgage loan service transfer to XXXX around XX/XX/2019, that is the reason to stop the 2nd check of {$500.00} ( the check sent on XX/XX/19 ) From XX/XX/XXXX to now, I called the both Ditech & XXXX many time to seriously state that the two stopped checks all for escrow shortages, not made for a regular monthly mortgage payment, because escrow shortage is optional, as customers like I have the right to choose Yes or No. These two stopped checks does not concern the regular monthly mortgage payment, because of the monthly payment funds {$1400.00} withdrawal from my bank every monththat is pure fact. Also I sent the two monthly payment proof ( the paid check copy and bank statements ) by email and by mail to the both Ditech & XXXX I always asked them to provide a banks chargeback source for XX/XX/XXXX payments, but Ditech could not do provide any documents, and refused to admit that the XX/XX/XXXX payment was counted as credit.

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