vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020, I sent a letter to XXXX XXXX regarding two inquiries on Transunion under their named. They reply that the inquiry will be removed as a hard inquiry to a soft inquiry. And the request was submitted to the credit agencies on XX/XX/2020, and per the letter sent on XX/XX/2020 ; it could take up to 60 days for processing. On XX/XX/2020, I sent the letter to Transunion requesting to remove those inquiries ASAP. However, they didn't reply back. Kindly see letter of XXXX XXXX attached.

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 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I wrote a letter of validation to company to validate the debt. Not enough information was sent to be to verify debt was owed such as : Why the collector thinks I owe the debt, the amount and age of the debt, and whether the collector had authority to collect the debt in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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 sent Equifax and XXXX  a copy of a filed identity theft report on XX/XX/2021 certified mail and they've never responded to the issues that were addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: NC

Complaint narrative:
For over two years no one including myself has been able to pull my credit report from Experian. Two years ago I submitted all the documentation that they requested to prove my identity and my address. Still no one including myself call pull my credit report from Experian. This has prevented me from obtaining credit and most importantly from refinancing my home. I have called them almost daily for the past two weeks. I have been told that I will receive calls from an escalated ticket. No one has called. I finally received an email on Sunday XX/XX/2021 basically saying that the ticket was closed, pay for an account with Experian to get further assistance. So I called today and was told that I needed an account with Experian. Then I was told that I had to call back in 72 hours to receive an assistance. I have spent more than 15 hours on the telephone trying to get Experian to fix a problem that they have created. It has to be a problem with Experian because I can pull my credit report just fine from XXXX  and XXXX. I feel as though I am being held 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 2021-02-01 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: FL

Complaint narrative:
XXXX is currently reporting incorrect information to all three of my credit bureaus. If the information all comes from the same source why is the reporting inaccurate? the dates opened are not the same on all three bureaus, the credit limit is not all the same on all three bureaus and the high credit is also incorrect on all three bureaus. Being that it is not reporting correctly who says that the information reported is accurate. Please delete this account from all three bureaus asap.

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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
My loan servicer ( bank ) has not paid the second installment of my XXXX property taxes to my county. My taxes have been sold in a county Tax Sale. 

Those taxes are under a Property Identification Number ( PIN ), before the property was divided into two (? ) or more parcels. 

The XXXX property taxes are under a different, new PIN. 

The bank was given the old PIN in XXXX of XXXX by me via an email. 

The bank was given the new PIN in XXXX of XXXX by ne via an email. 

The XXXX email enclosed for the bank the county Tax Sale Redemption, Delinquent Inquiry form, as well as the amounts ( taxes, interest, penalties ) due ; as well as my attorneys name, address, telephone number and fee. The email also included my loan number. 

A check of the banks computerized records, no property taxes have ever been paid by the bank. 

No action or response from the bank has been received. 

The bank will not allow me to speak to anyone in the banks Tax Department ; I can only telephone bank customer service representatives. No one from the bank will get back to me regarding this matter. 

The bank needs to pay the property taxes, interest, and penalties to the county ; as well as pay my attorneys fees.

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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, Lakeview Loan Servicing LLC made a " Principal Balance Adjustment '' to my mortgage account in the amount of {$8500.00}. This amount appears as a " Deferred Balance '' on my mortgage statements beginning in XX/XX/XXXX. This balance adjustment was made in error, as confirmed by two separate customer service representatives whom I spoke with over the phone on XX/XX/XXXX. At that time, I was assured that the error would be corrected within 2-3 business days. As of XX/XX/XXXX, there has been no resolution and subsequent attempts to contact Lakeview Loan Servicing - both by phone and via their customer support web form - have been ignored. 

Background : From XX/XX/XXXX thru XX/XX/XXXX, my mortgage was on forbearance due to the pandemic. When my forbearance ended on XX/XX/XXXX, I paid the entire 6 month forbearance balance ( {$14000.00} ) in full. According to the customer service representatives that I spoke to on XX/XX/XXXX, Lakeview Loan Servicing LLC mistakenly deferred principal balance from the forbearance period, despite the fact that I had just paid the balance in full. As shown in the attached Payment History, the principal balance adjustment was made the same day on which I ended my forbearance and paid the 6-month balance. 

I have attached a copy of the 12-month payment history for this loan, including mortgage statements. The unexplained/errant Principal Balance Adjustment appears in the XXXX statement as " Deferred Balance '' and appears in the Payment History on XX/XX/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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FICO CREDIT SCORE DROPPING W/O VALID REASON! 

In the month of XX/XX/XXXX, I was notified TWICE by Experian, that my FICO score had dropped - once by 9 points on XX/XX/XXXX from XXXX to XXXX and again by 3 points on XXXX XXXX to XXXX. I ran a credit report on XXXX XXXX which states at it's very end about my FICO Score 8 - " you have NO negative factors impacting your score ''. This report states 1 ) No missed payments 2 ) Long Credit History ( 23+ yrs ) 3 ) Recent card usage 4 ) Substantial installment loan repayment ( mortgage ) I have 2 Credit cards & I pay them in FULL monthly ( exceptional payment history ) & we pay extra on our declining balance on our joint mortgage ( never missed a payment ). 

I called Experian about this matter TWICE. I called on Sat. XX/XX/XXXX & was advised to call on a weekday. I called on Monday, XXXX at XXXX XXXX & was rebuffed from speaking with a Supervisor & also told that there was NO EXPLANATION to give for this. He agent stated " I am not a credit repair person '' - he gave me a laundry list of " why '' a FICO score could decline, but NONE of them apply. He had nothing else to offer except to try to SELL me " credit repair '' services that I do not need. I was NOT given ANY further opportunity to address this matter with Experian. 

I am concerned about my FICO score dropping further and further, as there is no evidence of any fraud & I AM using my credit responsibly & paying my bills in FULL monthly. I feel I may be targeted or something as I have no explanation for how someone with a decent income, who is receiving e-mails from Experian congratulation them on " low utilization '' and other such markers, could then have them drop their FICO score? I do not know if it is because of my age or gender, but it seems to be not tied to my actual credit usage, payments or income, or any other actual markers.

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 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-02-01 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: FL

Complaint narrative:
XXXX is currently reporting incorrect information to all three of my credit bureaus. If the information all comes from the same source why is the reporting inaccurate? the dates opened are not the same on all three bureaus, the credit limit is not all the same on all three bureaus and the high credit is also incorrect on all three bureaus. Being that it is not reporting correctly who says that the information reported is accurate. Please delete this account from all three bureaus asap.

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 2021-02-01 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: FL

Complaint narrative:
XXXX is currently reporting incorrect information to all three of my credit bureaus. If the information all comes from the same source why is the reporting inaccurate? the dates opened are not the same on all three bureaus, the credit limit is not all the same on all three bureaus and the high credit is also incorrect on all three bureaus. Being that it is not reporting correctly who says that the information reported is accurate. Please delete this account from all three bureaus asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I want this to be resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: GA

Complaint narrative:
My card was connected through my XXXX XXXX account and there were some charges made through a XXXX app that I have no affiliation with. I have reported it for over a year now and talked to several people through the Chase company and nobody seems to help me. Everyone I have talked to gives me different answers and I was so frustrated that they didn't resolve it. XXXX shut down that account and canceled the charges made from the app but for some reason Chase won't take care of it. So I shut down my Chase account. I really want this issue resolved and taken care of. It has been stressful on me and it's preventing me from getting a house now because my credit has plummeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: PA

Complaint narrative:
I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and XXXX  XXXX XXXX and Experian us laugh did not report my right score all my credit report after youre still loans was erase

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 2021-02-01 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
paypal mastercard ending in XXXX was closed however i received credits to this card for refunds from XXXX and they refuse to refund me. paypal refuses to help and the credit card can not access as it is closed. someone has my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank charged me in XXXX XXXX a late fee. The explanation being that I paid my monthly payment late. This is not true. They have since reversed the fee but as a " courtesy '' and have not corrected their records to show an on time payment. 

The minimum payment for this installment credit is {$220.00}. I have Wells on auto pay from my bank since XXXX XXXX. I send XXXX each time. Each month the check was cashed on time except for XXXX. Wells had my money on time in XXXX ( remember auto pay ) but did not cash it until late XXXX and claimed I sent it late. 

I have written to Senior Management and the BoD asking for an explanation and correction of the records. They have not replied. 

My guess is that they have operational difficulties or trying to extract additional fees from customers.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Regional Management Corporation
State: TX

Complaint narrative:
THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ XXXX  AND XXXX OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: PA

Complaint narrative:
I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and Equifax XXXX XXXX and XXXX  us laugh did not report my right score all my credit report after youre still loans was erase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: PA

Complaint narrative:
I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and XXXX  Trans Union and XXXX us laugh did not report my right score all my credit report after youre still loans was erase

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 2021-02-01 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: SC

Complaint narrative:
I am requesting a method of verification of this bankruptcy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I am a veteran my loan was transferred to planet home lending on XX/XX/XXXXi made my payment on time on XX/XX/XXXX they are holding my payment claiming they have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
XXXX sold my mortgage in early XX/XX/XXXX to US Bank. I was informed to follow up with US Bank regarding making sure my property taxes were paid. I spoke with one US Bank rep early in XXXX and they did pay the city tax. I was assured they would pay the XXXX  ( county ) tax by the end of the month when it was due. I called US Bank on XX/XX/XXXX and the rep said my taxes would be paid by the XXXX of XXXX. I called US Bank on XX/XX/XXXX and spoke to " XXXX '' in the tax department who said they needed to get approval to pay the late fees. She said to call back in a couple days for more information. I called US Bank on XX/XX/XXXX. I spoke to " XXXX '' in the tax department. He said the property tax in the amount of {$1400.00} which included late fees was paid the prior day. He said the transaction should show online with in 48 hours. I called US Bank on XX/XX/XXXX and spoke to the tax department supervisor " XXXX '' who said the tax was not yet paid and she would have to find out why it was not paid. She assured me the tax should get paid by midnight on the XXXX. I called US bank on XX/XX/XXXX. I spoke to " XXXX '' who said the tax was not paid. XXXX said they would have to get approval to pay any additional late fees and they would call back with an update.

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 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had credit card account with XXXX XXXX XXXX XXXX. I had to pay Synchrony bank each time I made a card payment, in other words credit was extended to me thru Synchrony bank. I got behind with my payments and called Synchrony to make a settlement offer they agreed with me paying them {$500.00} which would have settle everything, I asked them to send me papers stating the amount we agreed on or email it to me. I never received anything from them. When I called them to make a settlement I gave them my debit card number and told them to take {$250.00} that same day which was on XX/XX/2021 and another {$250.00} on XX/XX/2021 they did both time. When I called them on XX/XX/2021 to see if they had gotten the money, the call went to XXXX and the that person said that they had gotten a payment of {$26.00} and that I owed {$620.00} and she hung up on me. I called them back it was also XXXX and I was told that yes they had received the money and she hung up on me too. I called back and got a busy signal. All I want is for Synchrony to verify my payment to them and me know that I paid them off and how much was agreed on. I do online Banking with XXXX  XXXX XXXX, so I have proof of payment to Synchrony Bank. They want to say I'm irresponsible, but what does this say about Synchrony Bank.

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