vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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: NV

Complaint narrative:
I have attached my XXXX XXXX credit file. Experian refuse to remove the bankruptcy off my credit report. I reached out to XXXX XXXX and received my lexis nexis file which DO NOT REFLECT NO BANKRUPTCY on my XXXX XXXX file. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXXXXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, and XXXX. These are the accounts that is linked to the address XXXX XXXX  XXXX XXXX, XXXX, ohio XXXX that is reporting on my credit report which that address does not belong to me. The XXXX  XXXX report CLEARLY shows the address was deleted meaning any accounts that falls under that address need to be removed. Experian has sent me a pre-made letter stating they verified the bankruptcy. I do not own a home XXXX XXXX  do not belong to me this home is in ohio. I am a home owner in Nevada not Ohio. This hendering my credit tremendously! I take pride in my credit as a consumer. The only accounts that BELONG to me is XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 2020-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I paid the card off in XX/XX/2020, they sent me a refund check for over payment on XX/XX/XXXX for {$150.00}. I was later ask to pay a different amount because they sent the wrong amount to me, yet I could not access the account because they closed it due to being paid off and the company went out of business. Now they have harmed my credit and refuse to work with me. They just sent the first bill yesterday XX/XX/XXXX saying I owe them money again, said I have missed payments and have late fees on a balance I was never shown how they got to.

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 2020-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
My loan had been sold to Freedom Mortgage in XXXX. Since XX/XX/2020, I have been receiving harassing calls to refinance several times a day, 6 days a week. I have requested they stop calling me, placed my number on the go kit call list, and outright stopped answering their calls. They continue to call and its annoying and harassing at this point.

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 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
My mortgage was in forbearance due to COVID. When I was ready to end forbearance on XX/XX/2020, I called and made full payment to bring mortgage current. Instead, Amerihome put one of the payments in a suspense account. When I noticed XX/XX/2020, I contacted the company and requested the payment be applied correctly. I was told it would be resolved within a couple of days. Now it is XX/XX/2020 and my payment is still not applied correctly so it appears I am 30 days behind. When I attempt to make a payment, their system will only accept 2 payments to " catch up '' even though I am not behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a EDD card with Bank of America and My card was blocked after few returns from the store as it seems like they consider it as a fraud if there are returns back to the card?! And I have spent at least 7 hours on phone to unlock my card but every time I am connected to another department they pickup the phone and disconnects the call as if they are wontedly blocked my card and now they dont want to unlock it. This is a fraudulent and abuse of customers rights.

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 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have  learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have a conventional mortgage with Wells Fargo ( WF ) that was established XX/XX/2016. We purchased our home located in XXXX XXXX FL XXXX for XXXX. Since the purchase, we have completed approximately XXXX in significant renovations, some of which was financed through WF, with all hopes of dropping the PMI which averages XXXX a month. In XXXX, WF provided us with options of paying for an appraisal which cost XXXX ; however, it had to be performed by a company of their choice which is also approved by the investor. The first appraisal came back low at XXXX. I followed the WF dispute process which they then adjusted the appraisal amount to XXXX still shy of what we needed to remove the PMI. I feel that the appraisal process is very bias to be in favor of the lender/investor as these appraisers are contracted by said parties and am concerned about the oversight required under an institutions third party risk management framework. I am also concerned that while my appraisal amount was adjusted, it gives the appearance that these amounts are easily manipulated by the " approved '' appraisers. This is very unfair to the consumer. In addition, it is unclear why WF provided home improvement financing options if said products being financed ( XXXX retail private label credit card ) are not worth the value so I would also like this to be evaluated as well. It is very deceptive to provide consumers with financing of high dollar home improvements ( XXXX ) in upgraded windows ) only to find out it does not truly increase the value of the residential property. There are multiple online resources that indicate our home value is XXXX. Iam concerned again about the credit card lending/financing provided by WF as well as the bias mortgage appraisal process and appraisal dispute process that is conducted at WF.

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 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been trying to dispute fraudulent use of a American Express that I owed. I made all efforts with the company to dispute the charges, Tried to dispute by using XXXX XXXX all that I got from them was previous statements, not the proof of purchase I requested. I got tired of disputing the charges and stopped payments to this account. Them they sold the balance for collection agencies without giving me the chance to dispute the charges and are now tried to collect a balance that I don't owe! It is frustrating and unfair how those companies make huge profit from charges they know people don't owe. They prejudice the lives of people without fear of being bothered. I am fighting for justice. They must stop this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
ON Sunday, XX/XX/XXXX, CapitalOne sent me an email advising i had a secure message to read regarding my Capital One Credit card accounts The message advised that Capital One was lowering my credit limit to {$5000.00} ( from {$13000.00} ) because i was " only using a portion of my credit limit. '' I subsequently received a letter vis USPS I called Capital one to question the decision - i ... I have been a customer for 7 years, i used their car every month and NEVER missed a payment. 
They told me they could not help me, to reapply for a credit increase in 6 months I filed a complaint on social media with the same response I will be XXXX this month - I believe this is an age discrimination issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: MD

Complaint narrative:
My complaint is more about the letter mailed to me from Intercontinental Capital Group XXXX in XXXX NC. about refinancing. The letter had a gift card attached and states to call to activate the card and to ask any questions I may have about refinancing. No where in the letter does it state that you must agree to let them look at your credit and try to get you a better rate to activate the card which is what I was told after I turned him down for pulling my credit. He also stated that there were no closing costs but when questioned admitted that they are rolled into the loan, which to me is deceptive when saying no closing costs because there are closing costs rolled into the loan. My mortgage is six months old and I dont need more closing costs rolled into my mortgage. I believe this to be predatory lending practices and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX billed factitious and erroneous charges to my Barclays credit card I have been trying to straighten it out with them since XX/XX/2019. 
XXXX never returned any calls or emails or written correspondence that I will have documented. 
And Barclays have to ignore me and have been very difficult to fix this terrible problem. I had to hire an attorney for {$3000.00} to fix it. Can never gets back to help me even prior to the pandemic problems. 
I am very upset as I have perfect credit and do not want it to be tarnished because of Barclays ignoring this horrible situation

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
First and foremost, I am a single parent that has been unemployed due to COVID-19. I had a Lowe 's Advantage Credit Card the promotional balance on loan expired XX/XX/20. I was told that I had until XX/XX/20 to pay balance off to avoid interest charges. I did not receive a statement stating promotional balance about to expire. I received a notice on XX/XX/20 then the next statement was XX/XX/20. I was under the impression that billing was frozen due to me calling for assistance due to COVID-19. I find it to be convenient that I did not receive notice for XXXX or XXXX which would have gave me plenty of time to pay balance. I called to ask for promotional interest to be waived so I could pay balance in full and this issue has not been resolved. My bill was {$3100.00} prior to interest being applied. Now statement balance is {$5800.00}.

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 2020-09-04 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
information on credit report is not reporting correctly

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 2020-09-04 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: NY

Complaint narrative:
On XX/XX/2020 i filled an online dispute # XXXX with Equifax that was incorrect please have it removed. I also filled an online dispute with XXXX # XXXX on XX/XX/2020 please have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called Wells Fargo asking for a credit limit increase on one of my credit cards I've had with them since 2012. I very specifically asked to make sure they would not run my credit for this request. I was assured they wouldn't. They still did. Now I have an inquiry on my file. Absolutely unacceptable.

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 2020-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called XXXX XXXX asking for a credit limit increase on one of my credit cards I've had with them since XX/XX/2012. I very specifically asked to make sure they would not run my credit for this request. I was assured they wouldn't. They still did. Now I have an inquiry on my file. Absolutely unacceptable.

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 2020-09-04 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: CA

Complaint narrative:
Experian has again failed to delete credit inquiries at the 2 year date. This is in violation of the lax and is an ongoing issue with Experian. 

On XXXX an inquiry from XXXX was placed on my credit report. That inquiry should have bee deleted from credit report on XXXX. 

On XXXX an inquiry from XXXX XXXX XXXX was placed on my credit report. That inquiry should have bee deleted from credit report on XXXX. 

These are legitimate inquires. Their deletion is overdue. 

Note : This and other issues are being compiled for the law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am afraid of using my visa card, because i got a call from XXXX XXXX XXXX XXXX stating that two charges were made this morning that I did not authorize. 
how do they know my credit card? 
how do they know my phone number? 
should law enforcement investigate this number or CFPB? 
I called Capital One and there is not such charges. is this fishing to verify phone number credit card number?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: MI

Complaint narrative:
I notified Capital One on XX/XX/XXXX to notify of an issue I was having with a company, XXXX XXXX that I had paid to build a mobile application. I informed them of the concerns I had with way in which this company did business, charging me for months for an app that I was promised to have ready in 6 weeks that instead took six months. I advised the representative that the first charge occurred on XX/XX/2019 when I required to pay for the first and last month of the application being active on their platform, which was a fee of {$310.00}. I also informed CO that when I looked at the contract, the wording said that charge was for a " business marketing application, when I was told something completely different. I expressed to them how the employees of the business used aliases that were not their real names. I explained that the recurring, subscription charges began on XX/XX/2019 and continued until XX/XX/2019. I informed them that I wanted to dispute all charges in questions and requested a a form of contact to send supportive documentation. I had not heard anything, so I called back on XX/XX/XXXX, only to find out that the case was not file. Again, I gave all this information for the case to be filed against and ti request an investigation and request a chargeback on these charges. I called in on the XXXX and found out that again, this has not been done. No investigation that has been requested 2 times prior had not been performed. At this time, I demanded to be transferred to a supervisor in an American-based call center. XXXX advised she would be sending the entire complaint to the investigation office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2020 i filled an online dispute # XXXX with XXXX that was incorrect please have it removed. I also filled an online dispute with TransUnion # XXXX on XX/XX/2020 please have it removed.

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 2020-09-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau : Experian CONTINUES TO CLOSE MY DISPUTES AS DUPLICATES and DENY MY DISPUTES ONLINE. PLEASE DO NOT ALLOW EXPERIAN TO CLOSE MY DISPUTE AS I HAVE NOT BEEN ALLOWED TO DISPUTE NOR HAS MY REQUESTS TO BLOCK, ADD A PERSONAL STATEMENT, OR RECIEVE MY CREDIT FILE BEEN ALLOWED. Experian will not even allow me to dispute the FRAUDULENT ACCOUNT XXXX   XXXX XXXX ON THEIR PORTAL. I have tried to dispute it online via the paid subscription service I have and via mail. Experian tells me that it will be 30 days and then says it will be sixty days. Each time added more days to the dispute allowing XXXX   XXXX XXXX TO PULL MY CREDIT FILE WITH THE UPDATED PERSONAL INFORMATION I PROVIDE TO EXPERIAN. FURTHER ALLOWING XXXX XXXX XXXX TO VERIFY A FRAUDLENT ACCOUNT IN MY NAME USING MY PERSONAL INFORMATION WHICH WAS PROVIDED TO EXPERIAN TO DOCUMENT AND SUBSTANTIATE MY DISPUTE OF XXXX XXXX XXXX AS FRAUD. 

CONSUMER FINANCIAL PROTECTION BUREAU SOMETHING HAS TO BE DONE ABOUT EXPERIAN REFUSAL TO DISPUTE, BLOCK, AND TO ADD A PERSONAL STATMENT TO THE FRAUDULENT ACCOUNT BEING REPORTED TO MY CREDIT FILE BY EXPERIAN.

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