vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I took my daughter car shopping at a XXXX dealership in XXXX Arizona and I authorized them to search my credit that day but since that date my credit has been pulled without my consent my credit inquiries have gone through the roof as of XX/XX/XXXX and searches XX/XX/XXXX of this year. I want very much for these unauthorized inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months ( passed 180 days already ) and now im having another problem they wont let me link my visa card ends with XXXX which is very frustrating cause I have still money left there, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
They told me to wait a month. 

When I filed this complaint with the Federal Consumer Protection Bureau, I was unable to add example files to the complaint. The link on the CPFB website didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo Savings account had {$500.00} removed on three separate occasions for a total of {$1500.00}. Wells Fargo had temporarily placed {$1500.00} in my account while they investigated. Wells Fargo informed me they are taking back the {$1500.00} on XX/XX/2021 from my Savings account. This theft occurred on XX/XX/XXXX, XXXX, and XXXX 2021. It was removed by a Wells Fargo money transfer system called " XXXX XXXX XXXX ''. I did not request or set up. Wells Fargo XXXX account. I did not transfer any money to anyone. Wells Fargo investigated and determined that I authorized these transfers. I never heard of XXXX until I was scammed. Wells Fargo allowed this to happen without my knowledge. I'm a XXXX veteran and XXXX XXXX XXXX and {$1500.00} is a lot of money to me especially in these times. I notified Wells Fargo fraud department immediately when I saw the transfers. Wells Fargo says it will take 30 days to send me the paper work stating what their investigation revealed. I don't believe Wells Fargo made much of an attempt to investigate this problem since this isn't much money to them. 
I can't understand how Wells Fargo sets up programs, without a persons knowledge, to allow transfers of money to happen. Wells Fargo encouraged scammers or stole the money themselves.

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 2021-02-27 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
Please help me delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: NC

Complaint narrative:
I have disputed errors on my credit report with experian. On XX/XX/XXXX. I disputed that I had not made payments on this account ( I have been making payments since XX/XX/XXXX ). I also disputed that the account was still open not not paid off in full which it was XX/XX/XXXX. No action to remove the missed payments or to show that the account was closed occurred. I uploaded additional documentation showing that I've made payments since XX/XX/XXXX monthly until XX/XX/XXXX when the account was paid off. The original creditor was the U.S. Department of Agriculture as a government overpayment ( original amount {$7700.00} and they sent my account to collections thru Pay.gov. I have been making all payments thru Pay.gov and on XX/XX/XXXX I paid off my debt with them. I just want to information to be updated so my credit can be an accurate reflection of what has occurred.

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 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I recently saw a collection on my credit report for IC systems. I contacted the collection agency as I do not use " XXXX '' which was indicated as the debtor. Where I live we use XXXX. I told them I disputed the account, but they insist it is mine and are unable to provide documentation it is mine. I even reached out to the reporting agency and was told by them that IC System " verfied '' it. However, not one piece of documentation can be provided for what this actually is.

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 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
On XX/XX/2021 I spoke to a representative on the phone about the collection agency, Credit Management LP, about the reporting of the account of my credit report. They investigated and found my accounts reported onXX/XX/2021. The call escalated to Supervisor XXXX XXXX who informed me that they had reported my account in error & it would be removed from all bureaus. He stated he took " full responsibility '' ' this error would be correcres by deleting this account from my credit reports. After filling disputes with the credit bureaus - the agency attempted to state there was no issue with the reporting. Which goes against what Supervisor XXXX XXXX told me on the phone XX/XX/2021.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 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: Credit Karma, LLC
State: NY

Complaint narrative:
Credit Karma is virtually impossible to contact in regards to a complaint regarding erroneous reporting. No agents to speak with if it falls out of the virtual assistants listed and limited issues. XXXX and the creditor, XXXX XXXX XXXX, verified, after investigations, that the 40 pt drop in my credit score as noted by Credit Karma is incorrect. CK removed a 22-24 yr old account, XXXX XXXX XXXX from my credit report. The account is still open, active and in good standing. I have received no response, correction nor acknowledgment from CK. I have to modify my mortgage and this will negatively impacting my interest rate. I need assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: WI

Complaint narrative:
I have a collection on my account for XXXX XXXX for XXXX {$120.00}. It isn't mine, but Transunion said they verified it. However, they didn't because there is no way they were able to do that in the 2 hours it took them to close my dispute. The collection agency wasn't able to provide me documentation as it wasn't mine. I use XXXX not XXXX. 

My identity was stolen years ago and I have previously provided them the police report. Occasionally things appear on my report that aren't mine. This is one of them.

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 2021-02-27 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: DISCOVER BANK
State: WI

Complaint narrative:
I missed a payment because somehow my automatic payment was turned off. 
The problem I had with the whole process was that Discover card never sent me any kind of special email to alert me of the situation. I think they should be required to send an email that has missed payment - " ALERT - MISSED PAYMENT " or " LATE PAYMENT '' information right in the heading of the email. They did send me my generic email that they send every month that says my payment information can be obtained by logging in to my account. I thought my account was still on auto pay and when I got the regular email from them the payment information can be obtained by logging in I assumed everything was fine- had some some sort of alert I would have taken care of it right when I found out the payment was late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased furniture from XXXX in XXXX. They did not send the furniture complete. 
Said the parts would come in XXXX. I never received the bill and it caused me to go late on the report. I returned and got my money back and my late fees back but the late payment history is still my report.

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 2021-02-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please help me delete this account from my credit report.

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 2021-02-27 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Target reported a change of address on my credit report which is not true. I called them numerous times which I was told by XX/XX/2021 it would be corrected as well they sent me a letter letting me know it would be corrected. Till this day its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
We, meaning my wife and I had agreed to a plan for 3 months of payments to be suspending for hardship if we made a payment to Barclays credit card to bring it up to date which we did. And now they have turned it over to a collection agency even after many calls to remind them we had an agreement. We have had 4 XXXX in the past 3 years with our daughter and all the bills we have is from Dr. visits 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 2021-02-27 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: IL

Complaint narrative:
Approximately XX/XX/XXXX and before this date there have been other appeals to and in regards to this matter I have submitted letters to TransUnion and XXXX  about credit errors and improper information on my credit report. I have filed reports with FTC and police reports to validate my claim and sent the necessary paperwork to TransUnion and XXXX. However, TransUnion and XXXX continuously sends me computer generated responses stating that they have validated that the account in question which is a Chapter XXXX Bankruptcy listed in XX/XX/XXXX is accurate, along with other accounts XXXX XXXX XXXX which doesn't contain the correct address/incorrect spelling is a direct violation of FCRA, XXXX XXXX, and XXXX  XXXX XXXX. I have made several phone calls and have talked with different representatives and fraud department officials in regards to this matter and nothing happened. I also have contacted the creditors themselves in an attempt to resolve these issues and they could not and have not submitted proven to me with original copies of my signatures for these above mentioned accounts in months. This is a total disrespect and it is the main reason for me not being able to qualify for a mortgage. I have hired an attorney and he instructed me to file this report before proceeding one last time. I demand proof. If not, remove these accounts not just computer generated letters. I do not accept them.

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 2021-02-27 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: Self Financial Inc.
State: NC

Complaint narrative:
I have a self lender card paid the bill ontime self lender did'nt tell me it was a delay or issues they were having reporting to bureaus. My balance is showing the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2021 Paypal advertised to me a {$5.00} reward for downloading a paypal app for a smartphone. 

Paypal had promised me to add {$5.00} to my account within a week if I download the PayPal application for my phone and log into my account using the application. The terms and conditions of the offer are attached. 

As of today, XX/XX/XXXX, 13 days after PayPal had promised to deliver me {$5.00} within a week, I have not received {$5.00} from PayPal. 

PayPal is engaged in misleading advertisement practices and does not fulfill its promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: FL

Complaint narrative:
They told me to wait a month. 

When I filed this complaint with the Federal Consumer Protection Bureau, I was unable to add example files to the complaint. The link on the CPFB website didnt work.

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 2021-02-27 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: ROYAL UNITED MORTGAGE LLC
State: NY

Complaint narrative:
I received a deferement based on the Cares act for my current heloc. I applied for a mortgage from Royal United Mortgage, after a lengthy ( over a month ) application period during which they charged me for an appraisal XXXX dollars I was turned down for a mortgage stating that I had unacceptable payment record on my current loan. I checked my 3 to credit reports and there was nothing. They finnally sent me a letter 3 months after the fact that my loan was denied based on information from XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, CA XXXX. This has already negatively affected my credit and the home repairs that I needed to make and debt consolidation are now out of my reach. I would have NEVER taken this deferment if I knew this was going to affect my credit so negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Student Debt Center LLC
State: NC

Complaint narrative:
Its fixed with them I have a TDP for all ofmy loans!

Company response to consumer: Untimely response
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ATG Credit, LLC
State: MN

Complaint narrative:
they say i owe XXXX to XXXX XXXXXXXX university .atg credit LLC.. They was found gultiy for fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
Re : Consumer Financial Protection Bureau ( CFPB ) Complaint ID # XXXX, submitted XX/XX/XXXX The issue of the bank not paying our county property taxes from XX/XX/XXXX to XX/XX/XXXX has been resolved with the bank paying the back taxes, interest due, fees and penalties and getting the property out of tax sale status. 

On XX/XX/XXXX a member of the banks executive response team was telephonically contacted regarding the issue of paying our attorneys fees in this matter, which was a part of our original request. At that time that person admitted that the banks vendor, a property data company, was at fault in this matter. That person said that the bank had determined that in their opinion it was not necessary for us to retain an attorney to represent us and that the bank would not pay the attorney fees nor reimburse us for attorney fees. 

We would argue that bank mortgage and tax issues, as well as county government is complex and difficult to navigate for the average person, and that a thinking person would most certainly hire an attorney for representation in non-payment of taxes and a tax sale situation. 
The potential for loss for us, XXXX  the eventual loss of our house for non-payment of taxes, was great, and as noted above the bank has admitted fault. 

We would therefore respectfully request that the bank reconsider and reimburse us for the attorney fee which we have paid for the attorneys representation in this matter.

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 2021-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
American acceptance credit Reported late payments after accident in which my insurance company sent confirmation they would pay settlement. Applied 3 late payments to my credit while in payoff process. Sent letter would be corrected when I reported to XXXX yet no changes made.

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 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Our loan has been in continued forbearance since XX/XX/XXXX, however, it is being reported by our mortgage company, TIAA, as delinquent to credit bureaus. 

Our loan is being reported as closed ( in bad standing ) with delinquent payments 30- 59 days past due to at least two credit bureaus. XXXX is reporting a missed payment beginning on XX/XX/XXXX and XXXX  is also reporting a missed payment for XX/XX/XXXX. However, we have been in continuous, uninterrupted covered forbearance plans since XX/XX/XXXX with no period of delinquency ever for this loan. 

We applied for mortgage payment assistance related to COVID-19 and were placed in an initial forbearance plan beginning XX/XX/XXXX covering through XXXX XXXX. 

We have requested and been granted extensions for this forbearance plan, for continuous forbearance coverage through the following dates : XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX through XX/XX/XXXX We are requesting TIAA Bank and the new loan servicer XXXX update our mortgage files and all credit reports to show the current forbearance plan and correct all the credit reports for both XXXXX and XXXX to reflect accurate information regarding this mortgage loan. Please update our records to show the start of the initial forbearance as being XX/XX/XXXX. 

We feel that our mortgage company is in violation of the RESPA act by reporting inaccurate information about our mortgage to the credit reporting bureaus. As a result of this false reporting my credit score has dropped over 80 points. I have had my credit card interest rates raised by the issuers and I have had at least one credit card closed by the issuer because of the now lowered credit score.

Company response to consumer: Closed with explanation