vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The company os not really looking into my credit report issue. Now since this is the third communication. The company has continued to report items on my report which can not be linked to me if they actually contact the company or court and require them to provide proof of the debt or records that justify the documentation on my credit report. This would clear any misunderstanding and the information that needs to be updated will be updated. The company act as if its not their responsibility to obtain all documentation that legally ties me to any debt or public records that are listed on my report. I am now needing the exercise my rights using FCRA 609 guidelines which require them to follow what I mention.I also can't get a refreshed credit report and calling the customer service number, was know help. I ended up getting a report that was 10 days old and I am seeing that same report everytime I ask for a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN SECURITY MORTGAGE CORPORATION
State: NC

Complaint narrative:
XX/XX/2020, I contacted XXXX XXXX XXXX XXXX XXXX XXXX with American Security Mortgage. Initially I requested to refinance my mortgage from a 4.25 % 15 year to a 2.5 % 30 year mortgage. I was informed by XXXX XXXX after pulling my credit that this was an option contingent on my home appraisal. After several emails and text messages XX/XX/2020 I placed everything on hold due to a family emergency. I texted XXXX and informed her I would not be moving forward with the refi because of my family emergency. XX/XX/2020 XXXX reached out to me again, I advised her I needed cash out of {$55.00} and refi, XXXX informed me I could take this amount at 3.5 % depending on appraisal. XX/XX/2020 the house was appraised for $ XXXX, XX/XX/2020, I received an email from XXXX XXXX, XXXX XXXX 's assistant requesting that I sign documentation without any rates or information provided, after demanding all needed information XXXX XXXX finally responded XX/XX/2020. she stated the following " Do to my credit score, cashout, and refi the rate would be 4.25 % not 3.8 % previously stated with $ XXXX cashout not $ XXXX ''. When asked about payments and previous rates XXXX then stated she can only do $ XXXX $ XXXX with 3.6 % out. XXXX XXXX also stated if I do not take the terms and conditions I would be responsible for the appraisal fee, although the appraisal was based on previous rates and conditions provided by XXXX. 
This is a case of Mortgage Fraud and bait and switch, Mortgage fraud through bait and switch. Bait and switch is a kind of fraud in which the mortgage lender lures consumers by advertising loans at a low interest rate so that customers can submit their applications for the low rate mortgage. Afterwards, the lender reveals that the particular loan offer is not available and he offers a substitute loan program that has a comparatively higher rate. 
After several emails, XXXX insisted that I just refi as previous stated although per her emails she changed the rates and conditions of the loan several times. 
All information was provided to XXXX XXXX before the appraisal now she is stating based on the information she can not provide the terms and conditions she offered previous to the appraisal and stated I am responsible for the cost of the appraisal based on Bait and Switch loan tactics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Requiring y'all to look into my new case with more helpful information for the old case XXXX   Case # XXXX and : CFPB Case # XXXX new case number is 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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion keeps posting Innacurrate employer on credit report. I do not work for XXXX XXXX, I work at 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 2020-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Debt Holdings, LLC
State: AZ

Complaint narrative:
I got a call from unknown number XXXX. I did not answer as I was at work. The number then called my boyfriend. I got on the line and a gentleman told me he was trying to serve me papers and was not sure what it was about but to call number XXXX.I was not able to get to that number so called the XXXX back and told they could connect. This caused red flags as it was the same guy and he did not offer to connect me before. I was connected to a man named XXXX. He told me he was collecting for a debt I owed. I explained I was at work and unable to talk but could call back, XXXX told me he had to have me pay XXXX plus today or they would call my HR. I told him to do what needed to be done and the call ended. 5 minutes later XXXX called my XXXX XXXX XXXX. I advised that he could not call this number as it was my work number and they had my personal cell to call. XXXX said I could not tell him not to call. I asked if he was a collection agency and he said no. I advised that if he was a collection agency I have the right to tell him not to call my job, he said I sounded XXXX and asked me to transfer him to HR. I told him no and to verify my employment to use the work number. He asked if I had that number I told him no but he could XXXX it, I told him I did not know the employer code but if he went to the site and typed in the name he could find it. At that point XXXX screamed at me to transfer him to HR. I stated did you just yell at me on my job phone. I told him this call is being disconnected and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TX

Complaint narrative:
The Experian credit reporting agency will not release a security Freeze on my credit report. Despite repeated efforts, Experian has been unable to remove the security Freeze from my account. This is preventing me from refinancing my home and saving thousands of dollars. 

First of all, it is incredibly difficult to get a human agent on the phone when calling Experian 's customer support number. Once I finally found a path to speak to human agents, I explained my objective. On 3 separate occasions I spoke to customer service agents and each time they assured me that my credit report was no long under a security Freeze and that lenders would be able to see my perfect XXXX XXXX  score. The most recent calls were on XX/XX/20 and XX/XX/20. Each time I speak to a representative they say that the security Freeze has been removed from my bureau. However, when I apply for a loan to refinance my credit, each lender ( and I have contacted 3 separate lenders ) are unable to access my Experian credit score. The lenders tell me to go back to Experian to remove the Freeze and the cycle continues. 

I am being held XXXX to a broken system that I believe originates on Experian 's side of the equation. Please help me out.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company did not respond with sufficient evidence of inaccurate reporting. Please be advised that this is my SECOND CFPB REQUEST asking EXPERIAN to remove the unverified accounts that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Please verify or remove from 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 explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CFS Holdings, Inc
State: AZ

Complaint narrative:
I got a call from unknown number XXXX. I did not answer as I was at work. The number then called my boyfriend. I got on the line and a gentleman told me he was trying to serve me papers and was not sure what it was about but to call number XXXXI was not able to get to that number so called the XXXX back and told they could connect. This caused red flags as it was the same guy and he did not offer to connect me before. I was connected to a man named XXXX. He told me he was collecting for a debt I owed. I explained I was at work and unable to talk but could call back, XXXX told me he had to have me pay XXXX plus today or they would call my HR. I told him to do what needed to be done and the call ended. 5 minutes later XXXX called my work number XXXX. I advised that he could not call this number as it was my work number and they had my personal cell to call. XXXX said I could not tell him not to call. I asked if he was a collection agency and he said no. I advised that if he was a collection agency I have the right to tell him not to call my job, he said I sounded XXXX and asked me to transfer him to HR. I told him no and to verify my employment to use the work number. He asked if I had that number I told him no but he could XXXX it, I told him I did not know the employer code but if he went to the site and typed in the name he could find it. At that point XXXX screamed at me to transfer him to HR. I stated did you just yell at me on my job phone. I told him this call is being disconnected and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: U.S. BANCORP
State: CA

Complaint narrative:
1. I am a XXXX XXXX vet with XXXX XXXX-connected XXXX XXXX. I care for my wife with XXXX XXXX XXXX XXXX. 
2. When XXXX hit, we were denied access to our medical problems and became mired in medical problems. Our tenant told us they lost their jobs and could not pay the rent. 
3. Our daughter-in-law requested Forbearance in writing on XX/XX/XXXX and XX/XX/2020, to start with theXX/XX/2020 payment. 
4. The bank started the Forbearance Plan in XXXX and reported the XXXX and XXXX payments as missed to the credit reporting agencies. 
5. When we asked for the Forbearance Plan to start in XXXX and to remove the report of missed payments, we were informed that we had not correctly followed the bank procedures. The Forbearance Plan would continue to start in XXXX and the missed payments would remain on our 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 monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST asking USDOE/XXXX  to remove the unverified accounts listed below that remain on my credit .report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. 

USDOE/XXXX  # XXXX opened XX/XX/2010 balance {$0.00} PREVIOUSLY DISPUTED DUE TO TRANSFER. PLEASE REMOVE AS IT IS NEGATIVELY IMPACTING MY REPORT. THERE ARE TWO USDOE/XXXX  ACCOUNTS WHEN THERE SHOULD ONLY BE THE CURRENT ACCOUNT. PLEASE REMOVE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Kohls credit card was removed from my XXXX  report. I have have tried numerous times with both companies to resolve this. XXXX  told me in the last in XXXX and XXXX that they reached out to Kohls and they did not respond. It has affected my score for some time now. Its like talking to a robot. One company blames the other for the card being removed completely. Spent hours and hours on the phone making disputes in writing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hello CFPD, it has been more then a YEAR, Trying to Work with MORTGAGE/LADAR to CORRECT-REMOVE in-Correct Information is Posted to my Credit Report. # as fallows . 
XXXX Date Generated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX was my Original LANDER, My FIRST Payment was Due XX/XX/XXXX I PAID via Check Amount {$2000.00} But they SOLD my Paper to SLS Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CO.XXXX Unfortunately. I never Got Credit from SLS Specialized Loan. in-spite. I provide them Several time Copy of Check was CASH on XX/XX/XXXX And it still Sowing on my Credit REPORT LATE/NO Payment. 
I have been Filing Dispute with USA XXXX. Finally I am seeking your Help to Rosevale This issue/ I need HELP. 
THANK YOU XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 have been a victim of Fraud. I provided the proper information and my claim was not honored.

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 2020-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal permanently locked my account and will not tell me why. I am a first time seller on XXXX and opened the paypal account to receive payments for items sold. All the information I gave them was 100 % correct and accurate from my email, name, address, phone, bank account, and so forth. Again everything was 100 % accurate. I sold 1 item for the first time on XXXX  that was in perfect working order exactly as described shipped by USPS with tracking that was received by the buyer. Soon as the funds became pending in my paypal account they limited my account and required that I submit a copy of my photo ID along with a description of where I was receiving payments from. I complied with their request the very same day sending them a copy of my ID and a description that I was using paypal to receive payments from buyers on XXXX purchasing items of mine that are personal property of mine such as collectables and electronics. The item I sold was a XXXX gaming console and I included a picture of the sale from ebay. The very next day I logged onto paypal to see if the money had been released to find out that my account had been permanently banned. I did nothing fraudulent at all and 100 % complied with their request. I tried to call them but they are not offering customer service over the phone at this time so I used the message center on their website to try to find out why this was happening to me. I was passed along from representative to representative, all telling me the same thing that " the account is permanently closed and they can not provide an explanation '' and simply that " they looked into it and this is the decision they have come to ''. They are holding my funds for 180 days and will no longer allow me to use paypal in the future basically preventing me from ever selling anything on ebay ever again. This makes absolutely no sense to me as all my information was correct, I was not selling anything illegal, and the item I sold was as described in perfect working order and it is my very first sale. I did absolutely nothing wrong and they will not provide me with any explanation. I do not understand how what they're doing can even be legal as again I have done nothing wrong and provided all information to them to prove I was doing nothing wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been trying to make all of my accounts current at this time. American Express sent me a statement asking for a minimum payment of {$810.00} on or before XXXX. I sent the payment in on XXXX  and it was accepted. They are now telling me it has been sent to an agency and they can not speak to me on the account. I just wanted them to send me proof that I was current and to continue to accept my payments. They should not have accepted payment if they were not going to work with a customer willing and ready to make payment. I have been a cardholder in good standing for 13 years before my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Please be advised that this is my THIRD WRITTEN REQUEST as I have sent certified letters asking UNITED REVENUE CORP to remove the unverified accounts listed below that remain on my credit .report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold. Accounts are as followed : Collection account  from UNITED REVENUE CORP with account # XXXX and a balance of {$330.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$940.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$830.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of $ XXXX never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$500.00}. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from XXXX XXXX  with account # XXXX and a balance of {$2200.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Please re-investigate these matters and delete or correct the disputed information as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: IL

Complaint narrative:
The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.

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