vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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: PA

Complaint narrative:
To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report Ttbom XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt that I do not know. I do not owe XXXX XXXX XXXX XXXX anything. I have attached a receipt showing that this account is paid and I don't owe anything.

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 2020-04-08 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: AES/PHEAA
State: MA

Complaint narrative:
In XX/XX/2018, Fed Loan Servicing reported that my payment was 120-149 days late. This is incorrect because my student loan was in forbearance since XXXX meaning that I did not have to make the XXXX payment. Even if the XXXX payment was due, it would not be 120-149 days late. I have tried to get it off of my report since it looks like 4 missed payments on my account due to having 4 student loan accounts to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX has placed a {$3000.00} from a XX/XX/2018 medical bill in collections with Medicredit. The hospital refuses to submit the medical bill to my health insurance company to pay the claim. For two years, Ive requested this bill be sent to my insurance company who is willing to pay the claim. Each time Im told the bill will be sent but never is. Ive explained this to the collection agency who continues to report this debt on my credit report even though the my insurance has never had the opportunity to pay the bill.

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 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is saying that forbearance does not tack payments to the end of the loan which is contrary to the intention of government legislation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.

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 2020-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.

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 2020-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
XX/XX/2020 my bank fraud department called to see if I authorized a withdraw for {$200.00} from Cash App, I told them no. I immediately logged into my banking institution and noticed that there was a withdraw of {$230.00} on the same date prior to the fraud department calling. Cash app also tried to withdraw XXXX smaller amounts but my bank stopped them. I went to my financial institution on XXXX XXXX to file and dispute the {$230.00} that was stolen from my account and get a new bank card. They told me it would take 7 to 10 days to get it resolved through the fraud/dispute procedure. 
Today, XX/XX/2020 I received a credit card in the mail from CASH APP!!!! I NEVER, repeat NEVER opened or authorized a new account with this company. I have never heard of them until today and as of today I am still out of the {$230.00} that was stolen from this company. So far my bank hasn't disputed the charge. 
I am so mad because I don't know who opened this account in my name. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I ordered some clothing online, two purchases in the amounts of {$140.00} & {$81.00} The merchandise was never delivered to my home. The packages is missing. I have e-mailed several times with no response to customer service and disputed the charge on their website. For two weeks no response. I have no merchandise and can't get a refund.

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 2020-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
This debt just showed up on credit report i received no notification, no calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
I disputed some things inaccurate on my credit report with Experian credit bureau. I disputed hard inquiries to my credit report on XX/XX/XXXX and the company didn't provide me with information regarding my dispute and the inquires still remain on my credit file. I provided to them the following inquiries were not authorized by me and asked they be deleted.The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX/XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Also on XX/XX/XXXX I sent a certified letter requesting the removal of inaccurate Credit information on my credit file and asked that those items be updated or removed. I asked for XXXX which is reporting late payments to be updated or removed. I received an update online yesterday XX/XX/XXXX that it was updated from the processing of their dispute but nothing was changed ( and I provided my payment history to them along with my dispute ) I disputed XXXX XXXX XXXX  asking that it be eradicated from my credit file as they are alleging negative claims and still yet deficit proof of truth or correctness. The update received by them XX/XX/XXXX states it was updated, but there was no change. I disputed XXXX/XXXX  Card as they were reporting late payments. I provided a copy of my payment history to them, the update I received XX/XX/XXXX states it was updated, but there was no change. I disputed XXXX XXXX XXXX asking they eradicate this from my credit file as they are alleging negative claims and still yet deficit of proof of truth or correctness. The update received XX/XX/XXXX states it was updated but there was no change.

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 2020-04-08 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: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I submitted a complaint to the Consumer Financial Protection Bureau on XX/XX/2020 regarding XXXX 

I have repeatedly asked XXXX both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute regarding an inaccurate report of an auto loan from Credit Acceptance Corporation. XXXX  has NOT provided this information. They responded to my complaint filed with the Consumer Financial Protection Bureau by sending a copy of my credit report via first class mail. They DID NOT provide me with the requested Methods of Verification of the dispute with Credit Acceptance Corporation. 

I DEMAND XXXX provide me with WRITTEN Methods of Verification of my dispute or delete this item from my credit report permanently. I can not move forward with a police report without information including signed contract, the business where automobile was purchased, date of transaction and ID provided at the transaction. 

I have also requested this information from Credit Acceptance Corporation on MULTIPLE occassions with NO response.

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 2020-04-08 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: AES/PHEAA
State: MD

Complaint narrative:
PHEAA is continuously reporting a derogatory remark on my credit, in reference to a account that is not mines I never opened a loan in 2017, the account is reporting twice on my credit report.it states that the account is closed but still reporting late payments on my credit report which is erroneous information, if it's closed how can they still report late payments on account that's not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As of my XX/XX/2020 statement, Chase has lowered my credit limit from {$5400.00} to {$4300.00} with no notice to me. I have made my payments on time since I have had the card, and this has negatively impacted my credit utilisation and credit score. This was done during the middle of the COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: MD

Complaint narrative:
XXXX is continuously reporting a derogatory remark on my credit, in reference to a account that is not mines I never opened a loan in XX/XX/2017, the account is reporting twice on my credit report.it states that the account is closed but still reporting late payments on my credit report which is erroneous information, if it's closed how can they still report late payments on account that's not even 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 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Unbelievable I placed a check order and they refuse to make it free its not fair I was charged {$90.00} and then XXXX charged me {$30.00} for something I paid rushed never delivered on time I want my money back from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX was my mortgage holder. LoanCare Inc. was/is my mortgage service company. LoanCare Inc. purchased my loan from XXXX XXXX XXXX. 

When the purchase was made LoanCare Inc. failed to make the autodraft withdrawal on XX/XX/XXXX as it had done for the last 9 months. I tried to call its customer care line to discuss the issue. I wanted to ensure that a payment was made before XX/XX/XXXX so that no late fee would be given. I was concerned for this issue because countless XXXX/XXXX  complaints stated this was LoanCare 's  modus operandi. 

When I called LoanCare 's telephone number I learned that I had no means to speak to an actual operator. Telephone service would just loop you back around to a worthless computer system. I spent 10 minutes to try to reach a real person but to no avail. 

On XX/XX/XXXX I self-remedied the situation by send a one-time mortgage payment through its computer system. I then canceled my auto draft option to ensure that another auto draft payment would not occur. It did this ensure that a double payment would not be made. I took a screen shot of my cancellation to document it so that LoanCare could not deny that it was done. 

On XX/XX/XXXX LoanCare ignored my canceled auto draft order and withdrew a second mortgage payment. I spoke to my bank when this occurred. I gave them the proof to my canceled LoanCare autodraft order. I told XXXX XXXX to reverse this second autodraft. I then emailed LoanCare to tell them what I did. I directed them to contact XXXX XXXX to facilitate the correction of its mistake. 

On XX/XX/XXXX the second mortgage payment was reversed. Yet, LoanCare charged me a {$25.00} fee/fine saying that my second withdrawal " bounced. '' This fact is not true. 

On XX/XX/XXXX I emailed LoanCare to give notice to its mistake and to withdraw its levied fine. 

On XX/XX/XXXX XXXX automatically withdrew my mortgage payment even though I had canceled my autodraft payment. This last event is more petty than its earlier behavior because I had intended to make my payment anyway. Yet, it is still an unauthorized withdrawal and it shows LoanCare 's brazen pattern of malfeasance toward its customers. 

In sum, I deem LoanCare 's continuous flouting of federal and state laws to be analogous to a criminal cartel that believes that its activities are beyond the law 's reach. In today 's dark times ( Covid-19 ) LoanCare consistently demonstrates that it doesn't care about American citizens. LoanCare 's only goal is to take money from us by legal and illegal means.

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 2020-04-08 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:
I contacted TransUnion Consumer Solutions via certified mail disputing Unauthorized Credit Inquiries on my credit file XX/XX/2020. The letter asked for them to remove the unauthorized inquiries from my credit report. I received a letter from them dated XX/XX/2020 that was an explanation of the Inquiries on my report, giving me information on how long they may stay on the report and letting me know if I believe an inquiry was made unlawfully to reach out to the creditor directly. I didn't ask for an explanation I asked for the unauthorized inquiries to be deleted. After receiving the letter I sent them another letter XX/XX/2020 asking for the unauthorized inquiries to be deleted from my credit file. I never got a response from the company after my second request was sent and also sent certified mail.

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 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was checking my credit report and noticed that your company placed a negative account on my credit report. I do not recall or recognize this account. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I used XXXX to pay for an online service. Unbeknownst to me, there is no buyer protection, although its backed by my bank. The vendor turned out to be a scam. I called my bank and was told there was nothing they could do because I authorized the payment. This was the first time I ever used XXXX for an online purchase. Later, I found multiple complaints on XXXX  with similar experiences to mine. Wells Fargo should be more upfront about the risks of XXXX and make their customers aware. I lost {$500.00} and was left heartbroken.

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 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I called my mortgage servicer on XX/XX/2020. The only options for repayment on my forebearance are a lump sum or 40 year loan modification. Ive read several news stories on how they should allow me to defer my payments to the end of the loan. However they are denying me that option. My loan is backed by the federal govt and should have that option.

Company response to consumer: Closed with explanation