vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was told that my credit was accessed via a soft inquiry but I never authorized any inquiry to my 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 2020-08-14 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: AZ

Complaint narrative:
Complaint regarding Trans Union and XXXX  : On approximately XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX / XXXX  XXXX XXXX  stating that as of XX/XX/XXXX my mortgage loan will be transferred and serviced by XXXX XXXX  XXXX. My loan was sold to XXXX XXXX  XXXX and was reported on XX/XX/XXXX to the above credit bureaus as, " Account closed and paid. Account transferred. Remark added. " I constantly keep track of both my credit scores and credit reports and noticed that on XX/XX/XXXX my scores had dropped by 16 and 15 points respectively. I first contacted XXXX XXXX and inquired about what the " remarks '' were as indicated on my report. They told me they did not know and to contact the two credit reporting co. 's. I contacted them by phone on XX/XX/XXXX. I spoke to 2 individuals at Trans Union and 1 individual at XXXX. XXXX  did not have an answer and told me to contact my Mortgage Co..  Trans Union told me it was because of, " the length of time of the account ''. I have been paying this particular mortgage for 2 years and 8 months and as indicated on both co. 's. credit reports my credit is perfect with them as is all my other creditors. My credit scores are consistently in the 700 - 800 range for many years and i work hard to maintain that. I went online to XXXX  and Trans Union website and filed a dispute but the problem I have with both is that there system will not let me be specific in my complaint and will not allow me to type a complete description of the issue. 
My credit scores were lowered because of no fault of my own. In fact in theory my XXXX score should have went up. An account that was in excellent standing and was closed and paid in full by my creditor as was their choice and is not at this time being shown that it has been replaced with a new lender on a new account is a plus in credit and credit score calculations.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2020 Dear : Consumer Financial Protection Bureau ( CFPB ) I am writing to inform you of unfair credit and debt reporting from the three credit bureaus. 

It is seemingly harder to dispute unfair credit and debt reporting online and through their mobile Applications ( Apps ). With recurring and repeated erroneous data keep coming back with no proof besides the words of the creditors who have charged off. Unscrupulous Debt collections are just adding to credit reports without writing letters that is a requirement for the Fair Debt to dispute within 30 days nor providing why it was placed on your credit report. According to Federal Trade Commission Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a consumer reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the credit reporting company and the information provider. All three credit bureaus are just taking the creditors word and providing proof and lawful evidence to the consumer and reinstating Incomplete, Outdated, Unverified, and inaccurate data. 
I have asked for a letter asking the credit bureaus for the proof of signed documents or electronic signatures that support the hard inquires. Proof that debt collectors are licensed to practice in the state of Illinois, authorization to collect and provide legal evidence that they are the true owners or purchasers of the outdated debt and the statute of limitations for the state has passed. The Credit Bureaus have not replied or sent irrelevant information and kept the erroneous information on my credit report. 
In addition, they are reporting inaccurate disparate credit usage amounts and data before payment dates are due by the creditor. 
Late Payments Collections Foreclosures Inaccuracies Unverified Inquiries Charge Offs Incomplete data Outdated and Statute of Limitations has expired

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 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I am XXXX  and live on Social Security. FOR SIX DAYS Venmo has denied my access to my funds even though i gave them 10 pieces of personal information to identify myself. 

This seems XXXX  and vindictive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I have an open dispute with chase visa that they haven't responded to for a month and a half. The company is not allowed to charge interest on disputed amounts ; I have been paying the undisputed amounts every month but not the disputed amount. On XX/XX/XXXX I was charged {$83.00} of " Purchase Interest Charge '' on the disputed amount. I called Chase but the company and informed them they were in violation of the CFPB and FTC laws regarding this. The company escalated it to the executive office but they did not reverse the charge. This is a blatant violation of consumer law. This case pertains to another open CFPB case, which is XXXX. You can see if you look up this case that they have not responded to it. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: GA

Complaint narrative:
i filed a dispute XX/XX/2020 and still havent recieved a response. i currently working on my credit and need these items investigated and deleted

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 2020-08-14 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: GA

Complaint narrative:
On XX/XX/2020 XXXX was reported on my credit profile. This unknown company I have never heard of is reporting inaccurate information on my credit report. I have noticed bad reviews of this company attempting to collect inaccurate and unverifiable debt from individuals.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was told that my credit was accessed via a soft inquiry but I never authorized any inquiry to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Today, XX/XX/2020, I spoke with an associate who could not explain why the decision to close my account was made. This account has a {$0.00} balance which was paid in full in XXXX of this year. Bank of America decided to close the account 4 months later for inactivity. This is absurd! The other reasons, for closure are inaccurate as well.

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 2020-08-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian, XXXX and XXXX deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you

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 2020-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i disputed incorrect info on my credit report XX/XX/2020 to no avail with even a response and by law the credit companies have 30 days to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 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: GA

Complaint narrative:
On XX/XX/2020 XXXX was reported on my credit profile. This unknown company I have never heard of is reporting inaccurate information on my credit report. I have noticed bad reviews of this company attempting to collect inaccurate and unverifiable debt from individuals.

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 2020-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Mortgage complaint XXXX/Sent XXXX XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Bcc : XXXX Wed, XX/XX/XXXX at XXXX XXXX  I signed and agreed to an interest rate of 2.75 and two days ago you called me and stated that some state of Georgia regulation required you to go up on my interest rates to 2.99 %. The question that I have is your company going to honor our initial signed agreement with the interest rate of 2.75 %. 
You also told me that my monthly payments would save me over {$100.00} per month nut however the document that you sent to don't reflect that type of a payment. The new payment monthly that I see here on this document is {$400.00} per month me current payment is know XXXX per month, I'm not financing my home loan just only to save only {$37.00} per month.Therefore I here by cancel this loan process. 

XXXX XXXX cc : XXXX XXXX President XXXX XXXX I signed and agreed to an interest rate of 2.75 and two days ago you called me and stated that some state of Georgia regulation required you to go up on my interest rates to 2.99 %. The question that I have is your company going to honor our initial signed agreement with the interest rate of 2.75 %. You also told me that my monthly payments would save me over {$100.00} per month nut however the document that you sent to don't reflect that type of a payment. The new payment monthly that I see here on this document is {$400.00} per month me current payment is know XXXX per month, I'm not financing my home loan just only to save only {$37.00} per month.Therefore I here by cancel this loan process. XXXX XXXX cc : XXXX XXXX President Wed, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX  Sent from XXXX Mail XXXX XXXX XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Thu, XX/XX/XXXX at XXXX XXXX  Follow up complaint : XXXX XXXX Follow up complaint : Thu, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX This is a follow up to my original complaint. Please contact me as soon as possible. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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:
THIS IS THE FOURTH TIME I AM ASKING EXPERIAN TO PLEASE RESPOND TO XXXX XXXX XXXX   REQUEST FOR YOU TO UNBLOCK MY ACCOUNT. On XX/XX/2020 XXXX XXXX XXXX, submitted a block rescission request to Experian and they are still waiting for confirmation from Experian that they have removed the block.

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 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
i have sent complaints to these debt collectors on XX/XX/2020 and they haven't respond or marked it as disputed, so they have violated the law and i will turn this over to my attorney.I requesting that these accounts be deleted from my report.i have attach copies of the letters below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Consultants, Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I received notification from Professional Recovery consultants, Inc that they were attempting to collect a debt in the  amount of {$2500.00}. 

Professional Recovery Consultants DID NOT provide the following : The name of the creditor That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information If the debt collector doesn't provide this information when it first contacts you, the debt collector is required to send you a written notice including that information within five days of first contacting you. 

To my understanding : Any debt collector who contacts you claiming you owe money on a debt is required by law to tell you certain information about the debt Please note : I have attached a copy of the correspondence sent by Professional Recovery Consultants as  proof of this violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, XXXX and TransUnion deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you

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 2020-08-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, Equifax and XXXX deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/20 I called into Shell Point Mortgage to ask about an property tax refund that was in the escrow account sinceXX/XX/20 ( {$8500.00} ).  They said that they would take care of it and send me a check right away. I hear and see nothing for weeks so go through their chat service on XX/XX/20. They said they had to evaluate the escrow balance and then send the surplus. I get a mail response on XX/XX/20 saying that they will refund me {$7700.00} and that the check was included in the piece of mail. It was not. They included a sample fake check which I can not cash. I send them another message on XX/XX/20 but it's an email since their hours of operation are closed ( no phone, no chat ). On XX/XX/XXXX I receive a letter in the mail saying " due to the complex nature of the matter '' that they request more time to fully respond to my inquiry. The letter was dated on XX/XX/20. Shell Point Mortgage has repetitively put off giving me my money and has held onto it for 2 months. They had it for a month and didn't mention anything to me or send a refund.They said they sent a check and the account says it's gone, but they didn't send a check and instead send a fake sample check. They are avoiding paying me and paying me interest since there is no check and they are hoping I don't notice and they have to send a new check. They are abusing me and my money. NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX  XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC dba Shellpoint Mortgage Servicing XXXX, TX XXXX XXXX XXXX ID # XXXX I filed a compliant on XX/XX/2020 to get this issue settled. They actually responded within a week and denied me any compensation for my time or interest on my funds. They said a real check was mailed separately and must of been lost ... They offered to send my funds via ACH and I accepted. I provided my information and they acknowledged to me that they sent it on XX/XX/2020. It's been a week and the funds are still not there. They closed my previous case without any communication to me if I they should close or if I received my funds ( which I did not ). 

Shellpoint has shown that they systemically mislead their customers into believing they will get their funds and have a system to deny and delay actually doing so. They have held my $ XXXX dollars for over 3 months and have wasted hours of my time while stealing interest from their customer while claiming they are processing my request but they systematically withhold my funds with each escalation and step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: IA

Complaint narrative:
I received a call from XXXX XXXX XXXX about a credit card debt owed by US Bank. They said that I took out the credit card in XXXX and defaulted on it in XXXX. I never had a credit card with US Bank. 
They called me XX/XX/XXXX, in the evening. I called US Bank on XX/XX/XXXX in the morning. US Bank has no record of me ever having a credit card with them. The only account I have ever had with them is my son 's account because he opened it before he turned XXXX. 
I called XXXX XXXX XXXX back and let them know that US Bank said that I never had an account with them and that they do not delete accounts they sell for collection until after 7 years. 
XXXX XXXX XXXX insisted that I settle the account or they would get a judgement against me for 10 years, attach my wages and bank account and any property and vehicles that I own. 
US Bank told me that they have to be a phishing scam looking for information from me. 
I told XXXX XXXX XXXX to take me to court because I was not paying them anything on this because the account never existed.

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