vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 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: TX

Complaint narrative:
I sent a certified dispute letter to XXXX on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit report. I sent another certified letter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit reports ; which I did not receive a response back from XXXX, XX/XX/XXXX, or Experian. My latest certified letter was sent on XX/XX/XXXX to identify the continuous inaccuracies being reported on my credit report by XXXX. I also requested for XXXX to send over proof that the alleged repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I requested copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle to be provided to me within 15 days from the receipt of the certified mail notice that was sent on XX/XX/XXXX. 

I pulled my XXXX credit report to review, and I noticed that the account has been re-aged and is now reporting a Date of Last Activity as ofXX/XX/XXXXXX/XX/XXXX with XX/XX/XXXX. I have requested for this erroneous account to be removed from all bureaus on my credit report. There are several inconsistencies and errors that I identified on my credit report. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to Re-age an account. I also noticed a comment on the XXXX account on my credit report that stated a payment was made after the account was closed. This is a inaccurate statement, and I am demanding for this account to be 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 2020-12-06 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 submitted a copy of my credit report with all 3 credit bureaus side by side to show proof of the inaccuracies and incomplete information that is being reported. XX/XX/XXXX sent an immediate response back saying XXXX XXXX came back as a verified. XXXX XXXX is a inaccurate and incomplete account on my XX/XX/XXXX and Transunion credit report. They are reporting 2 different payment statuses and comments. Transunion is reporting a charge off and XX/XX/XXXX is reporting discharged debt in 3 different kinds of bankruptcies. XX/XX/XXXX and Transunion both are reporting incomplete and inaccurate account numbers. No balance, past due and no financial information. They are reporting different dates the account was opened. I have submitted several disputes and the account keeps coming back verified. This account has previously been removed by XX/XX/XXXX. This is a direct violation of my rights as a consumer. I have enclosed a copy of all credit reports side by side to view the inaccurate information.

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 2020-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Im filing this complaint against Equifax, I have tried to resolve and handle this issue through Equifax, unfortunately several times I spoke with there reps, unprofessional, I was hung up on and no help I have over 54 inquiries on my credit report I want these credit inquiries removed I have filed a FTC Identity theft report about this issue I am not going to list all these inquiries because I found them in my credit report and I want them removed and i am disputing them as fraud, but do not place a fraud alert as I have a credit lock I will be using, I will take screen shots off my credit report of the inquiries, I do not recognize these inquiries at all, Equifax needs to have better customer service in place where people know consumer law, anything I dont recognize on my credit report, i want these removed I have filed numerous complaints and Equifax is ignoring to anything I even have monitoring and fraud resolution specialist but Im ignored about that, I want this resolved or I will keep filing complaints until this is resolved and these inquiries might be one or more if the same, I counted 54 inquiries I want removed off my report I did not ask for these inquiries and I would like them removed and my report corrected .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: PA

Complaint narrative:
I currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXXis reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. Experian is reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the inaccurate information.

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 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
XXXX XXXX, my father, before he died struggled financially ... he obtained a bad loan modification of which I inherited with PHH. 

PHH denied my application because I've kept the account current The rate is 4.75 which is too high..most of my monthly payment goes toward interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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 currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXX is reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. XX/XX/XXXXXX/XX/XXXX is reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the inaccurate information.

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 2020-12-06 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 currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXX is reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. XX/XX/XXXXis reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: AL

Complaint narrative:
I have bought a XXXX XXXX turn Mower fromXX/XX/XXXX and I was approved to charge it on the synchrony bank XXXX credit card on XX/XX/2020. The Mower was delivered to my house and upon checking the mower I noticed several scratches and dents in the mower and so I contacted XX/XX/XXXX company but they refused to cooperate or resolve the issue and they had the worst customer service, very rude and unprofessional. So I disputed the charge with the Synchrony Bank XXXX store credit card and I asked for a partial refund of XXXX dollars for the dents and scratches which is about 8 % of the price of the mower which was XXXX dollars. The dispute of the charge of XXXX dollars was for the dents and scratches on the brand new mower and I sent the both companies ( the seller and credit card company ) pictures of the scratches and dents. Then after a few days XXXX credit card managed by synchrony bank ruled in favor of the seller and refused to grant me the disputed charge. I called them and argued with them but they never gave me a reason for their decision to rule against me. This credit card company needs to credit my account for XXXX dollars for the scratches and dents on the mower and they need to grant me the disputed charge because I paid for a brand new mower that should have been in perfect condition with no flaws or scratches or dents but I did NOT. Instead I received a scratched mower and dents in the mower

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-06 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 submitted letters in the past requesting Equifax to remove the consumer statement off of my credit report. They have not responded to my letters and they have not removed the consumer statement from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My experian credit score dropped 14 points for 1 inquiry with XXXX XXXX XXXX..I filed a complaint.They investigated and dropped my score another 9 points. On XX/XX/XXXX my score went up 2 points..A week later with the same info., my score dropped 9 more points after my complaint.Thats 23 points for 1 inquiry! I called and they said to hire a credit specialist..They had no answers..my credit usage is 23 % which is under the 30 % ..They keep dropping my points for the same inquiry over and over! One inquiry should be 4 points max! I have exceptional payment history and no late payments..They have been deducting points over and over for one inquiry as an attempt to get me to purchase their services! ..I worked hard on my credit score and they are abusing their power to ruin my score for their financial purposes! I asked for a written statement but they said " Go hire a credit specialist! " ..I dont understand how they dont have answers if they dropped my score for nothing! I feel as if they are trying to force me to buy their products ( credit protection, monitoring, etc. ) and if we dont buy, they begin illegally dropping our score! I complained about them dropping my score 14 points for 1 inquiry..They responded by dropping my score another 9 points for the same inquiry! I am out of options so I filed this complaint..I am forwarding documents of my score before and after..One account they deducted 23 points! .. Right after my score went up 2 points with the same account! I see that if we file a complaint, they deduct points as an act of revenge..

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 2020-12-06 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: AmeriCollect
State: TX

Complaint narrative:
I have sent certified dispute letters to Americollect, XXXX, and XXXX  with the latest letter being sent on XX/XX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my XXXX  and XXXX credit reports. Americollect is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after Americollect, XXXX, and XXXX  have claimed to have validated the account. How is that possible? After reviewing my XXXX credit report it shows that Americollect is reporting a Date of Last Activity on XX/XX/2020. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to re-age an account. I am requesting that Americollect, XXXX, and XXXX  be investigated and that the Americollect account be deleted from all of the credit bureaus and from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX i tried to sell a suit for XXXX dllars from order sale app and then they contacted me saying they needed a total of XXXX k by multiple messeges to open a XXXX business 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 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: FL

Complaint narrative:
Interfirst mortgage pulled my credit initially for a refinance on my home loan. This fine and expected. I gave permission for this. 

The issue is that many months later after the initial credit report expired they pulled my credit again without any permission or notification. I was notified via an unrelated credit monitoring service. 
When confronting them about this they made no effort to rectify the situation except for a promise to notify a manager. I was also condescendingly told this was not a big deal, as if there was no regulation against this behavior.

I would not have given permission for this, even if it meant not continuing with the refinance. Now I have two additional hard credit pulls with a company that still hasnt managed to close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im filing this complaint against XXXX, I have tried to resolve and handle this issue through XXXX, unfortunately several times I spoke with there reps, unprofessional, I was hung up on and no help I have over 54 inquiries on my credit report I want these credit inquiries removed I have filed a FTC Identity theft report about this issue I am not going to list all these inquiries because I found them in my credit report and I want them removed and i am disputing them as fraud, but do not place a fraud alert as I have a credit lock I will be using, I will take screen shots off my credit report of the inquiries, I do not recognize these inquiries at all, XXXX  needs to have better customer service in place where people know consumer law, anything I dont recognize on my credit report, i want these removed I have filed numerous complaints and XXXX  is ignoring to anything I even have monitoring and fraud resolution specialist but Im ignored about that, I want this resolved or I will keep filing complaints until this is resolved and these inquiries might be one or more if the same, I counted 54 inquiries I want removed off my report I did not ask for these inquiries and I would like them removed and my report corrected .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 2020-12-06 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: GA

Complaint narrative:
Submitted a dispute XX/XX/2020 to Equifax that public record chapter XXXX bankruptcy should not be reported on credit report. I provided proof that public record chapter XXXX bankruptcy was deleted from XXXX consumer report dated XX/XX/2020. How is it that Equifax submits investigation results on XX/XX/2020 claiming that XXXX furnished them information about chapter XXXX bankruptcy when it was deleted? How is this public record verified when I have shown proof that the record was deleted. Also, courts do not furnish third-parties and vendors public records because that would require my full social security number to be given which is against the law. Equifax did not do a proper investigation and pencil whipped this investigation. I have submitted proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
On XX/XX/2020 I received a letter in the US postal mail from the collection agency American Coradius International LLC stating that I owe the creditor XXXX, XXXX {$1900.00}. This in not correct. I have no transactions on my XXXX account ever. I made several attempts to contact XXXX by phone and could not get through. I was redirected to sending an email to XXXX. 
I sent an email per the XXXX instructions on email fraud with an attached copy of the debt collectors bill to XXXX. I received an auto reply from XXXX in response to my email on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc.
State: AZ

Complaint narrative:
XXXX! Over 30 days ago I sent a letter certified mail to this company requesting them to validate the debt on an account reflecting on my credit. They have yet to provide any documentation. Im requesting this account to be removed from all 3 credit bureaus due to the company not being able to validate the debt with any documentation with my signature showing the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2020 I received a letter in the US postal mail from the collection agency XXXX XXXX XXXX XXXX stating that I owe the creditor PayPal, Inc {$1900.00}. This in not correct. I have no transactions on my PayPal account ever. I made several attempts to contact PayPal by phone and could not get through. I was redirected to sending an email to XXXX. 
I sent an email per the PayPal instructions on email fraud with an attached copy of the debt collectors bill to XXXX. I received an auto reply from PayPal in response to my email on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief