vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
One example, transunion, did ( INVESTIGATION ), come back with with ones i chose, either should be paid or not mine, had fraud on SS # ; come back all correct, HA, so called one myself, XXXX XXXX, asked billing, why give my XXXXns., info if not use it, she ran it while i'm on phone, was paid right then, she said take off credit immediately, week later still their due to a letter i sent them about their incompetent ( investigating ) billing called right then as ending call, they did their part finally, that's another, always told don't ( really } look at med bills but does affect your score. A double lie, its pretty sad, no one gives a C # XXXX & even to do job right, fire them hire me, must be better than them at it, scary thought, lol, need real help with this please. Sincerely, 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 explanation
Consumer complaint received 2019-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have several loans with XXXX that were reported late around XX/XX/2017. This was in error as the company had not applied the agreed forbearance or deferment. After several months this came to my attention and the account was rectified with charges reimbursed and the proper status applied to the account. The account service did not correct the late payment history and as such the 6 loans each report 5 late payments adding 30 late payment marks to my credit report and affecting my credit score negatively by more than 100 points. This drastically affects my ability to get a home and provide for my family. When calling XXXX some representatives apologize and tell me they will correct the mistake. Several months later the error still exists and when I call back new representatives tell me they will not make the change and there's nothing I can do. This error was made due to their loan servicing and needs to be corrected to remove the late payments as such.

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 2019-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I decided to open a account with venmo XXXX,XXXX the XXXX  , upon signing up venmo ask for your first and last name, venmo does not demand your first legal name and your last legal name... I put my middle names as my first and last name which are XXXX   XXXX  I was successful on sending on transfer to a friend and upon me sending a transfer to bank account that was verified by venmo verification department before I could do a ACH venmo made me verify my identity which I did I put my legal first and last name along with my address and last 4 digits of my SS number, now when my deposit date comes for from my transfer from venmo to my back account.. my back returned the deposit due to the name didn't match my account the name was XXXX  XXXX , I immediately informed venmo of this situation and also informed them that I would will be changing my name back to my legal name which is XXXX XXXX.. why would venmo send a ACH without putting my legal name which venmo verified before even initiating the ACH transfer.. now venmo has frozen my account I don't know where my money is, venmo has asked me to upload my driver's license picture.. which I did with myself in the picture along with a picture of me and my debit card that is under my venmo account.. I have not heard anything back from venmo I have emailed them multiple times the representative doesn't even know why my account is frozen or rather why is there a case even open..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Starting from on or about XXXX XXXX, XXXX   XXXX has been applying my timely monthly mortgage payments to escrow and not the principal and interest.  Only once did I receive a refund check, in the amount of one month's mortgage payment.  I did not think anything of it as the banks usually issue a check for escrow remainder. Instead, XXXX XXXX   continued to hold my monthly payments in escrow and not applying it to the principal and interest.  After notifying them numerous times and having to make the same exact complaint over and over, I continued to receive 90 Day Pre-Foreclosure Notices.  It was not until XXXX, XXXX that the issue appeared to be resolved; however when I asked for something in writing regarding their mistake, I was sent an email, no letterhead, simply stating that the prior three months were applied--as if I was the one who make the mistake.  On those occasions that I had to call, my wife had to take the day off from work to help me discuss the issue with them, because we would be on the phone for over an hour, mostly waiting.  Each representative we spoke to had no idea why we were calling and each time we had to go over the same things and direct the representative to read the prior notes.  On one occasion, the representative had us on hold for over half an hour and when asked to speak to a supervisor, she placed us on hold for about 20 minutes and then hand up on us. Unfortunately, we lost our temper before being transferred to the "research team", which we were told would be researching this since about XXXX XXXX, where we had to again relay the issue.  Now, it seems that XXXX  XXXX has been charging us approximately $XXXX for "expenses".  There were no notices sent regarding what this additional fee is about.  When we called the representative said that it was costs transferred to them, but they were servicing the loan since XXXX  or XXXX XXXX, when all this mess happened, and that cost was not there.  XXXX XXXX never escalated it to the proper department, for over a year we suffered when we received those 90 Day Notices, but no returned checks to give us any idea that our payments were not being applied properly. We never received any call back from a manager or supervisor regarding our inquiries, and now we are being charged for fees that we know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
My Bluebird by American Express account was permanently suspended XX/XX/2019 without any type of notice or warning, I didn't even realize it had been suspended until I tried getting my bill money off the ATM machine at the neighborhood XXXX and I tried calling customer service but it is just a recording telling me my account has been permanently suspended and I was sent an email to further explanation but I never received the email I have even been checking my spam folder to make sure and after the recording is done it just hangs up and doesn't allow me to speak to any representative. This is unfair to me because I should have been notified before just permanently suspending my account without a warning now I can't even contact customer service to get the remaining of my money off the card it seems I have been blocked from even contacting anyone to help me resolve this problem. Please if someone can help me solve this problem as soon as possible it will be greatly appreciated. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 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: MA

Complaint narrative:
To whom it may concern, this serious issue with Equifax and correction and or compensation to 147 million.  WE DO NOT WANT FREE SERVICE ANYTHING WE WANT OUR WELL DESERVED AND LEGALLY DESERVING MONETARY COMPENSATION, IT'S WRONG FOR CFPB TO BE WORKING FOR THE COMPANY THAT HAS VIOLATED OUR TRUST AND ALLOWED OUR VITAL INFORMATION TO BE COMPROMISED.  DO NOT ALLOW THEM TO WALK WITHOUT HAVING FULFILL THEIR LEGAL AND TO ADD MORAL OBLIGATION TO THE MILLIONS OF PEOPLE THEY HAVE HARMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: TN

Complaint narrative:
On XX/XX/2019a charge was attempted on my debit card for $XXXX from 'WORLDREMIT', a money transfer company. The charge was attempted at approximately XXXX CST. After calling my bank, it was found that WorldRemit had the billing address wrong for the card, so the charge did not go through. Because this was an unauthorized transaction, my debit card was cancelled. On XX/XX/2019a charge was attempted on my mother's debit card for approximately $XXXX from 'WORLDREMIT'. The charge was attempted at approximately XXXX CST. The charge on her account went through, and the money was withdrawn. As of this moment, a hold has been put on her account and she is reporting the fraudulent charged to the bank. Both my mother and I use the same bank, the XXXX XXXX XXXX XXXX XXXX, neither of us have ever used the money transfer service WorldRemit before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: MA

Complaint narrative:
To whom it may concern, this serious issue with Equifax and correction and or compensation to XXXX XXXX. WE DO NOT WANT FREE SERVICE ANYTHING WE WANT OUR WELL DESERVED AND LEGALLY DESERVING MONETARY COMPENSATION, IT'S WRONG FOR CFPB TO BE WORKING FOR THE COMPANY THAT HAS VIOLATED OUR TRUST AND ALLOWED OUR VITAL INFORMATION TO BE COMPROMISED. DO NOT ALLOW THEM TO WALK WITHOUT HAVING FULFILL THEIR LEGAL AND TO ADD MORAL OBLIGATION TO THE MILLIONS OF PEOPLE THEY HAVE HARMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: Rocket Mortgage, LLC
State: MI

Complaint narrative:
On XX/XX/2019my credit monitoring company informed me that a hard credit check had been pulled on out credit rating. Upon investigating I learned that our mortage company, Quicken Loans,had pulled it because they wanted us to refinance our home.  They called my husband at work to discuss this with him and proceeded to read from the report, never mentioning that it was a hard check.  They never asked for permission to do this.On the  XXXX XXXX they called me, not my husband regarding the same issue.  This was after my husband sent an email stating we were not interested.  I gave this person, he said his name was XXXX  XXXX, after telling him we were not happy about them pulling the credit check that no further conversation was going to happen.  Any communications was to be in wrting.  I eventually talked to an XXXX XXXX and was told that she would look into it and get back to me.  As of today I have only gotten an email with her phone number.  After talking to a loan processor at a bank I learned that this was not supposed to happen, and said I should file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Partners Financial Services Inc
State: MO

Complaint narrative:
Every year Partners financial services goes to court to garnish my minimum wage job they are an affiliate of XXXX XXXX XXXX   school. The first court hearing i did not even have an opportunity to talk to a judge and i could not afford a lawyer. Each year they go to court without my knowledge and keep renewing their garnishment without a notice to appear or any way to fight them. I cant even get appropriate account numbers to identify them. I was not healthy enough to pass the DOT physical exam due to health issues and I weighed over 500lbs. I have been told it is a debt and i will pay said debt. They report to credit agencies that i do not pay them when they do get paid they garnish a minimum wage job. I cannot even get a car loan to get to my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of the XX/XX/XXXX Equifax data breach and I have tried to call Equifax to speak with someone about a disputed item on my credit report to no avail, every time I call they transfer the call to someone who can't speak English, so I can't understand what he/she is saying, thus can't repair the issue.  My latest attempted contact was Saturday XX/XX/XXXX and I spoke with three different people and when I ask to be transferred to the supervisor, (in the United States, who can speak english), I was put on hold, eventually the phone hung up after 30 minutes or so of waiting online.  I have an unsecured loan account with XXXX XXXX XXXX XXXX that is no longer open (paid off), and it is still reporting on Equifax as owing XXXX, but it was paid off a couple of months ago and is closed.  I have tried to correct it with XXXX XXXX XXXX XXXX as well as Equifax Credit bureau, to no avail.  ON the credit bureau report it list the account as being open, current, and $XXXX due each month, with a high balance of XXXX, of a unsecured Loan. The account number is XXXX, paid off in XXXX or XXXX, XXXX, it doesn't help the credit score saying that I still owe on that loan.  There has been no recent update reporting as of XX/XX/XXXX.  If Equifax wants to help people, it needs to have reps who can speak English, since it is an American Company, in the call centers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
I reached out to loancare servicing in regards to my MIP being totaled as we reached the 78% LTV ratio in XX/XX/2019.The home appraisal, per the tax assessor is $XXXX. I submitted documentation to Loancare in XX/XX/2019,as requested. I later spoke with a representative of Loancare who confirmed that the home appraisal figure was in fact $XXXX. The representing requested that the deletion of MIP be reviewed again inXX/XX/XXXX. With that being said, we received a letter stating we still were not approved to delete the MPI, when in fact we did qualify since our  percentage of the LTV is currently at 77%.I have reached out to Loancare on three separate instances, yet have been unsuccessful in deleting the MIP. This is due completely to lack of due diligence in regards to Loancare. This is my last effort to resolve this issue before seeking legal counsel.The Homeowners Protection Act states that the services should have deleted our MPI once our LTV reached 78%.  Please note:The Tax Assessor sends a copy of any increases or decreases to our home appraisal each year. 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 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
University of XXXX  has continued to report negative information in my credit file. They have failed on many attempts to provide validation indicating that this account belongs to me. Furthermore I received notification from XXXX XXXX and equifax that the account has been removed from my credit file; it’s still showing on my credit report. This account needs to be removed from my entire credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I received a letter today, dated XX/XX/XXXX from Synchrony Bank. They are informing me that because of the number of dishonored payments, they have decided to close my account. This is the second account Synchrony has decided to close for the same reason within 2 weeks, all because of us switching banks around the time payments were due. This specific card is, or was, our Amazon Store Card. My next payment is due on XX/XX/XXXX. It is due on the first of every month, with only the XX/XX/XXXX payment getting sent back to them. I have never experienced anything like this. This bank alone has screwed my credit. I had 0 missed payments before them, and now I have 2 closed accounts. I had 0 closed accounts from creditors, only from myself. I have called them with zero assistance. I would like this company and practice looked into. I don't think a company screwing the working class should be allowed to do this. We were in the middle of buying a house. How do you think that is working out now? I hope whoever gets this message in what is most likely a cozy tax-payer funded office actually does something proactive, because what they are being allowed to do is definitely not helping to protect consumers as your "About Us" says.

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 2019-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM Financial reported on yesterday that my account was 30 days late. I have never received a call or letter that my account was 30 days late. When I log on to my account it shows that my account is one day late and I have already made arrangements for this payment. This is the second time that my account has been reported past due 30 days and it wasn't. Also, the amount that tI owe and the balance they are reporting is not correct. It has never been correct.  GM Finance is not being fair and is violating the Fair Credit Reporting Act. They are not updating my credit report accurately and timely. This impacts me negatively. I have never received written correspondence saying that my account was past due 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: OH

Complaint narrative:
I have been having issues with bogus and fraudulent addresses appearing on my credit file that I do not recognize. My full name is XXXX  XXXX. XXXX please remove any other variation of my name. My DOB is XXXX-XXXX-XXXX SS XXXX-XXXX-XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, MI XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I incurred a debt with XXXX XXXX owned by XXXX XXXX XXXX XXXX.  I received my last billing notice about XX/XX/XXXX.  I made no further payments.  XXXX XXXX XXXX XXXX SOLD my debt to PORTFOLIO RECOVERY ASS, LLC.  The Florida Statute of limitations ran XX/XX/XXXX, I was absolved from this debt according to law.  Between XX/XX/XXXX and XX/XX/XXXX, I corrected my credit issues and purchased a home with a mortgage.  There were no collections on my credit report at this time.  By approximately XX/XX/XXXX, PORTFOLIO RECOVERY ASS., LLC, contacted me in an attempt to recover this debt.  I filed a complaint with both Credit Bureaus.  I was informed that this debt was on my credit report since XX/XX/XXXX, which is clearly incorrect.  I have attempted to work with PORTFOLIO RECOVERY, without avail.  This blemish needs to be removed from my credit history immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: FL

Complaint narrative:
My XXXX card is being refused because of some different 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 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I noticed an increase to my Annual Percentage Rate to 29.99% for my American Express "Classic Blue Cash for Business Credit Card." I use this card for business expenses only. To my knowledge, I never received word that the rate would be increased by so much, and without a reason, based on my conversation by phone with a American Express representative. The "best she could do" was lower that rate to 19%, which is still significantly higher that previously. My recollection is an initial rate of approximately 14%. I've had the card for several years, and remain a customer in good standing with American Express (35 year Amex customer). Do I have any recourse to what seems to me to be price gouging? A phone conversation with American Express did little, except to tell me like it or leave it. If this kind of price gouging continues to be deemed acceptable to American Express, I have little choice but to pay this card off and take my business elsewhere.

Company response to consumer: Closed with explanation