vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-11-16 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: FIRST ADVANTAGE CORPORATION
State: NE

Complaint narrative:
We filed and were approved for a Chapter XXXX Bankruptcy in XX/XX/2019 which included an account we had with XXXX. Upon applying for new employment recently and receiving a copy of my report I noticed that this account is not only appearing as open on my report and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two complaints already in with the CFPB stemming from the same issue, complaint nos. XXXX and XXXX. I have to open up a new complaint because the complaint portal won't allow me to add information. But, this is required. 

My new scores are as follow XXXX XX/XX/XXXX, XXXX from XXXX, operated by Capital One. I'm glad XXXX XXXX XXXX is one of previous parties on the first complaint, because I see credit inquiries on XX/XX/XXXX that from XX/XX/XXXX but I have absolutely no idea where it is originating from. 

Something needs to be about the sensitivity of these scores. I believe my score went down from the original reported of XXXX to XXXX for unjustified reasons. I've said this before to the CFPB, regardless of what reporting company I log into, I see that half of my credit inquiries aren't acknowledged or recognize. And this doesn't become an issue until one gets denied credit for that specific reason. And I am at that stage now. 

XXXX XXXX XX/XX/XXXX reported my credit limit over on five dollars, and it's probably done immediately prior to me making any payments. I make my monthly payments and have no knowledge that they did something. 

With the number of my open accounts and my billing routine, I can tell you that my credit usage is high but I most certainly shouldn't be categorized as poor or even a fair score. These credit cards marketing applications are not properly sourcing their reports, third party companies are running random credit inquiries, and furthermore, it could done predatorially. 

I find XX/XX/XXXX to be the least obtrusive credit reporting company, however they still go the extra mile and ask consumers to link their bank accounts. I am banking with XXXX XXXX and that connection between the two companies does not link easily and who knows what security might get breached as a result. 

Credit Reporting companies need to avoid particulars. I wouldn't have so many credit inquiries if these pre-approval offers weren't considered sales by networking professionals. 

My score is XXXX ... my inner conscience tells me this. And isn't that what we are really struggling with, conscience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
The following accounts on my credit report doesnt belong to me. Ive never did business or sign a contract with National Credit System or XXXX XXXX. I was a college student who live on campus. I never lived in an apartment or signed a lease. Someone stole my identity. XXXX XXXX XXXX is also a result of identity theft!! Ive reached out to bout companies. I wasnt even old enough to get an appointment and Ive never had XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I do not owe this bill, I contact the 1st party and the collection agency both stated will have disputed and closed out. This is now on my credit reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: NE

Complaint narrative:
Upon receipt of a recent credit report it showed an address of XXXX XXXX XXXX XXXX  XXXX, OK XXXX which is inaccurate. I have never lived at this address nor ever been to XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We are enrolled in Bank of America Mortgage " XXXX '' automatic monthly payment deduction service. On day 1, of each month, they were to take one monthly mortgage payment from our checking account. XX/XX/2020, they ( BOA ) took two ( 2 ) payments from our checking account. We went immediately to the local bank branches to try to get the double payment stopped, and were told nothing could be done. BOA applied the double payment to month of XXXX We had to borrow money to pay the rest of our bills for XXXX and first part of XXXX. 
On XX/XX/2020, BOA again took two payments from our checking account. We called BOA 's Electronic payment dept. and asked that the double payment be cancelled or returned to our checking account, and were told the problem would be " looked into ''.

XX/XX/XXXX., we called again, explaining we needed the money to pay other bills and living expenses, and were assigned a Problem Case # SR XXXX. 
XX/XX/XXXX., we called again, and were asked to submit-via email- proof document that BOA had taken two payments. We submitted a copy of our bank statement, that showed BOA had taken two payments on XX/XX/XXXX

XX/XX/XXXX, we called and our case # was recognized and were told money would be refunded. We borrowed money to pay the rest of our bills for XXXX and first part of XXXX. 
XX/XX/XXXX., we called and a Rep said he would have a " manager '' issue a refund. 
XX/XX/XXXX., we called and a Rep told us our money had been refunded as of XXXX XXXX  on XX/XX/XXXX. 
Today is Mon. XX/XX/2020, and the double payment has NOT been returned to our checking account.

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 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On or about XXXX, American Express Cancelled my account. 
I found this information out on my Billing Statement received by me via the us mail on XXXX. 
I paid the outstanding balance off on XXXX. 
As the card was cancelled I needed to speak with a human. meaning I could not make an online payment as my card was cancelled by American Express. 
On the recorded line at American express I spoke with the representative and expressed clearly that this is a final payment of all of my debt, the gentleman agreed and calculated all fees and interest the Total payout was {$2500.00} transaction number XXXX XXXX. 
American Express then charged a late fee and interest closing date XXXX billing date XXXX {$50.00} was the statement bill for XXXX American Express hired XXXX XXXX to collect on this debt. 
American Express has reported to all 3 credit agencies on XX/XX/2020 and XX/XX/2020. 
I, paid this debt off completely with a human on a recorded line at American Express I would ask that all strikes to my credit score be righted. 
I paid my debt to American Express on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Dealer Services is improperly and impermissibly reporting an account to the XXXX, XXXX  and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On or about XX/XX/XXXX, I began applying for a refinance of my mortgage with Chase Mortgage via its mortgage loan representative, XXXX XXXX. This was in response to my online inquiry the week before regarding applying for a refinance. I had just closed a Chase mortgage in XXXX, which I held for years with no negative incidents whatsoever, when I sold my previous home. 

I have owned and operated my XXXX XXXX  XXXX  for 16 years and expected and anticipated that, though a XXXX employee, that I would have to have my business finances scrutinized as well as my personal finances. No problem. Working with XXXX, I responded to every single request and reviewed the materials and information with him every step of the way. Just as I was confident, all items about my personal finances and company status exceeded requirements. I was informed that my application would be forwarded to underwriting for further and determinative resolution for eventually closing on the refinance. 

Today, XX/XX/XXXX, almost 6 weeks into the application process, I was informed via a phone call from XXXX, that a new requirement, initiated AFTER my application was in process, disqualifies my application. That requirement calls for a pre-existing, current relationship with Chase for at least 90 days in duration has to have been in place - solely because of having a significant ownership interest in my business and its being my primary source of income. There is or was no question about the viability of the business nor the level of income derived therefrom - it's merely having my own business. ( The efficacy and level of my credit scores, personal finances and financial performance of my business were never questioned. ). 

There was no notice of this requirement prior to my being told my application could not go forward. There was no opportunity to cure nor opportunity for me to decline initiating an application and thereby avoid wasting time, energy and pursuing other avenues. I was precluded from reasonably considering other means of pursuing a refinancing opportunity in an environment of market volatility with interest rates and competition directly and meaningfully impacting costs and investment opportunities to me and my family. Chase would not give any consideration to grandfathering my application, since this rule was not in effect at the beginning of my applying. The efficacy of my application was not in question nor any deficiency - other than the mere fact of my owning my business - identified or made. 

Chase should continue processing and ruling on my refinance application based solely on the merits, processes and policies that existed prior to their " pre-exsiting relationship '' rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Pennymac Loan Services LLC recently purchased my mortgage. Payment is due in a few weeks, but I can not get details from Pennymac on how to submit payment to them. They have failed to send me these details. Pennymac 's call center is not adequately staffed, leading to hours of hold times. My Pennymac account does not reflect this mortgage. There has been a systematic failure by PennyMac to allow me to pay them per the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This is a fraud loan application process online, without any document verification. 
The fraud application of personal is banker, not random people on the street. ( Applicant is a banker, maybe he knows WF bankers ... ) Please see the attached letters from the mail. This is the first time I get this letter. 

Please see page 5 signed by my e name and time zone is XXXX. which is a fraud, I am living in XXXX, SC, XXXX. 
I am a student employee at the XXXX XXXX XXXX XXXX 
Please check page 6 my employer is XXXX, XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX pays me {$2400.00} /month. NOT $ XXXX/month. 

How WF verify my income and asset?

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 2020-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-11-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a deposit to my bank, Bank of America on XX/XX/20. The deposit is from a checking account associated with my employer and the reimbursement account. I have deposited a check from this account to my account at the above institution for years in similar amounts. There has never been an overdraft or uncollectable funds issue. 
Although my account and my employers are in good status, I can even see the money came out of my employers account, the above institution insists an " extended hold '' is necessary causing me great financial difficulty and is putting my creditworthiness at risk as I HAVE BILLS TO PAY!!

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 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A purchase was made through home depot website in XXXX through opening a new credit card promotion ( which is 10 % up to XXXX dollars ). The order is submitted and delivery is scheduled soon after. In 2 weeks, early XXXX, I called Home Depot Credit Card service to inquire about my XXXX dollar rebates. The customer service replied that it will be applied within 2-4 weeks. Late XXXX, website posted the charge without the promotion. I called again and got the answer that a report will be submitted and I should get it within 2-4 weeks. I called a second time after not seeing any changes and was informed that the promotion is denied because the charged is posted few days after 30 days marks outside of the promotion window. The supervisor submitted a report again. In XXXX, I called back, another supervisor said that the promotion is denied the second time due to 30 days and the decision is final. The supervisor does not care about when the purchase is made, order confirmed or shipment schedule. The transaction date that is completed controlled by Home Depot dictates the promotion so the Home Depot can practically control whether the promotion can be paid out or not.

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 2020-11-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a US bank ReliaCard Debit VISA for Colorado unemployment payments that was not requested by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: PA

Complaint narrative:
I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document XXXX sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....

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 2020-11-16 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: PA

Complaint narrative:
I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document XXXX sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....

Company response to consumer: Closed with explanation