vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One is erroneously reporting past due payments on 3 accounts. One car loan and 2 credit cards. Under FCRA a lender is to report accurate information which it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was supposed to go on A trip to a XXXX and XXXX this summer. All flights were cancelled by the carrier and I disputed the charge because the flight had been cancelled. 
Capital One, The credit card company closed the dispute finding no resolution and never mailed me stating that they wouldnt proceed after I gave them the additional information they requested. 
I was charged {$640.00} for a flight that was cancelled and was never given any response by the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-05 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: NC

Complaint narrative:
JPMCB - United Mileage Plus Awards card. Credit limit since open has been {$17000.00}. Account used and paid off monthly. JPMCB reduced credit limit to {$8900.00} due to low utilization. Stated that hard copy letter mailed to address. Letter never received. Refused to restore credit limit without hard credit inquiry ( double penalty to credit score ), although original CSR stated that they could have returned credit limit if I had contacted within 30 days of letter ( currently around 45 days ). Can not respond to letter that I never received. Only notified through credit monitoring service ( XXXX  ). No copy of letter available on online account to reference either. Would cancel card, but that would hurt credit even more than maintaining at lower balance. Request that limit be restored to previous without additional credit inquiry. Nothing has changed in credit report to warrant reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
We paid Barclays Bank Mastercard {$540.00} XX/XX/2020. Barclays Bank Mastercard refuses to credit the payment to our account. They are now charging interest and penalties even though they already have the payment! 

They said it was paid one day too early, so they will not credit the {$540.00} to our account. They won't return it either. This is nothing short of theft!

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Target is reporting inaccurate information on my credit with all credit bureaus. It is listing outdated information from 2014. Per FCRA and Per Arizona law information that is 6 years or older is to be removed from a consumers credit report. Target is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
In XXXX I asked home point mortgage for a forbearance on my home loan for 60 days On the XXXX of XXXX I went into homepoint financial webpage and tried to pay my mortgage- I had to take off the forbearance and then thought I made my mortgage- because I was supposed to call someone at hpf I thought I was done. On XX/XX/XXXX I went in to make sure my autopay was on but found out my payment didnt go through - Id I made XXXX XXXX and XXXX payment then. HPF is now marking me 60 days late on my mortgage which means my credit score dropped 70 points and I can not get another mortgage for at least a year. On XX/XX/XXXX governor XXXX proclaimed that mortgage companies would not report people late on their mortgage- Ive called the company and written letters to the credit report agencies- Im asking for anyone that was in forbearance to not have their lender report them as late Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian credit reporting is giving me the WRONG score. I had my credit checked by a mortgage lender just yesterday and was told that it was XXXX. Today I had problems logging into my Experian " account ''. They kept calling via bot to my XXXX XXXX  and did not give me the option for a text. Well, if you start speaking and do not follow the prompts, you will miss the message. They do that to make you give them your REAL cell phone number. I finally outed them on XXXX and I got someone to call me. Today, my score was XXXX!!!! How can it be that big of difference? In one day? They are fraudulently giving me numbers because they want me to purchase their products and I outed them on social media to other consumers who were having trouble because of them. They are retaliating against me! They also told if I wanted to add my yearly income that might help my FICO. Your score is your score regardless! I think they want me to PAY for Experian " boost ''.

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 2020-08-05 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: CA

Complaint narrative:
XXXX : Screen shots that are attached show that their unfreeze function does not work. 

There is no way to talk with an agent. 

I tried the phone and the phone tree does not give options that match my need. 

I've attached a PDF document to show the screen shots that clearly show the problem. 

I used to be able to call, quickly talk to an agent and complete my task. I have now spent 40 minutes and I still have not completed my task. 

Sincerely.

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 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I used my mobile app to make payments of {$100.00} and {$2300.00} on XX/XX/20. Both payment were returned. I called the customer service and was advised to go to the bank which wasn't open due to covid19. When i finally got to the bank they advised to call the credit card customer service which bounced me around for 2hrs on XX/XX/20. I was issued some credit for returned check fees according to 1 rep but they can't find what the problem is. This was after my previous calls went unanswered and they told me i had to pay because it was my mistake and they had already issued a credit in the last year ( this was also a problem with them processing ). My credit score during this time has taken a huge hit for their mistake and i need a letter from them stating transaction error but they are too busy blaming each other to help. I need the letter to send to the credit bureaus to fix my score so i can get a better rate. They will also hold me accountable for this when the money was available and the bank screwed up. I have never missed any payment of any type. Please help.

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 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XX/XX/2020 A employee called today, without self-identifying on the first call with Portfolio Recovery, which itself is a FDCPA violation. No proof of ownership has been provided. They mentioned legal action as if they were considering it, which at this point I consider a threat. This is regarding an old account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 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: PA

Complaint narrative:
I paid off my auto loan which my installment payment was on time and I was penalized after my final payment. I lost 40 points because my loan was finished. 

Paying on time and completing my obligation. Is showing the lender that I can successfully manage debt. 

This appears to be very unfair practice for a consumer that has worked very hard in obtaining excellent credit.

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 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I am an Elderly XXXX  and XXXX XXXX Senior Citizen that suffers from a XXXX XXXX XXXX due to a XXXX XXXX  and am XXXX in my right XXXX and suffer from XXXX XXXX XXXX in my XXXX XXXX. 
I am a Qualified XXXX Individual and in a Protected Class of Citizens under the Americans With XXXX XXXX ( XXXX ). 
I qualify for enhanced penalties and wish to prosecute PHH Mortgage Services to the fullest extent of both Federal and State Law regarding all violations that are applicable in this instant case. 
If there are other Agencies that can help me, please refer me to them. 

On XX/XX/XXXX I received a mortgage statement showing that my regular monthly payment is {$780.00} and my outstanding principal balance is {$57000.00} of which XXXX is going to principal. According to the amortization schedule printed on XXXX XXXX the loan would be paid off in XXXX of XXXX to where I will be XXXX XXXX XXXX. This schedule is fine with me and i can easily afford the payments as I have a monthly income of XXXX. 

On XX/XX/XXXX I was shocked that my regular monthly payment changed to XXXX without my permission, and I never signed any documents for this change as the last correspondence I received from them was on XX/XX/XXXX " MISSING ITEMS FROM THE REQUEST FOR MORTGAGE ASSISANCE ' The outstanding balance on the XX/XX/XXXX was now {$74000.00} This is XXXX higher and the statement now shows only XXXX going to Principle. I never agreed and would never agree to this as this is unsuitable for an elderly XXXX client with only 8 years left on the loan. 

I do owe them about 10 months in back payments XXXX XXXX to XX/XX/XXXX and have instructed XXXX Loan Officer # XXXX on XX/XX/XXXX at XXXX XXXX PST to put the arrears on the back end of the current mortgage so if I have ONE more year to pay that would be fine ; NOT 30 YEARS! 
I want Enhanced Criminal Charges filed against XXXX XXXX and any other ( DOE ) OFFICER and C.E.O. of PHH Mortgage Services that assisted with this Crime, as well as PHH Mortgage as this Mortgage Fraud, Violations Of The Truth In Lending Act, Predatory Lending, Violations of State Of Nevada Chapter 645B MORTGAGE COMPANIES AND MORTGAGE LOAN ORIGINATORS. 
I will send a copy of this Complaint to The Nevada Division of Mortgage Lending for Prosecution. 
I attempted to resolve the problem in Good Faith on XX/XX/XXXX at XXXX XXXX unsuccessfully with XXXX XXXX # XXXX and XXXX # XXXX without success. 
Please help me as this is an urgent matter regarding my home of 31 years and I am suffering XXXX XXXX XXXX  and XXXX of which I am now under the care of a Licensed Board Certified XXXX and need to get it under control Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: KY

Complaint narrative:
This company continues to call but does not leave a message and I have never received any written documentation. This company calls every day, multiple times a day and on the weekends.

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 2020-08-05 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-08-05 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: CA

Complaint narrative:
I'm just wondering what's happening with accounts I disputed on XX/XX/2020. I still have not receive any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where i'm at, but i figured 40 days should be enough. I also read that if i dispute again while my first dispute is active it will just extend the investigation time. I figured i might as well file this complaint now instead of sending another dispute which will delay my investigations more.

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 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I need to be able to have my account open for online transfers to receive money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My mortgage account with XXXX is not being reported to Experian due to an " internal credit agency policy ''. According to XXXX, the data is accurately reported to Experian. According to Experian, the data is not being accurately sent by XXXX. This same account shows up accurately on all other credit agencies.

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