vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 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: TX

Complaint narrative:
I disputed late payments with XXXX on several occasions without any results from XXXX for the XXXX major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only XXXX statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.

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 2020-06-11 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: TX

Complaint narrative:
I disputed late payments with XXXX on several occasions without any results from XXXX for the 3 major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only XXXX statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 disputed late payments with XXXX on several occasions without any results from XXXX for the 3 major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only 2 statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.

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 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
So, initially I had four credit cards with U.S.A.A in XXXX of 2019 I realized that with accruing debts needing to be paid would prevent me from paying. I talked with several representatives over phone, via U.S.A.A. chat. I attempted to set up automatic payment plans with the four credit card accounts around XXXX or XXXX, much to my chagrin after two months of believing auto-draft would take, I then became delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have two unauthorized charges on venmo. 
1. dated on XXXXXXXX XXXX2020 @ XXXX to XXXX XXXX and the second unauthorized charge on XXXX XXXX 2020 at XXXX to XXXX XXXX as well . 
Venmo mixed up the charges. The payment to XXXX XXXX is correct. Venmo is very unorganized. The two charges I am fighting are both for XXXX XXXX 

2. I have contacted venmo on several occasions stating I did not authorize these charges and have filed a complaint with my XXXX bank. 

3. Venmo states they could not find any unauthorized activity. I don't know what steps they took to state that but I did not authorize these charges and would like for you to help me resolve this case, and also have Venmo re-instate my account. 
This is no fault of my own. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Signed up for Transunions website, which asked for CC info, they then charged me {$25.00} for a reoccuring plan that I can not cancel or find any contact info to have the charge reversed and canceled.

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 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My bank, XXXX, makes my mortgage payment every month and mails a check to the XXXX XXXX XXXX Mr. Cooper. 

Mr. Cooper did not process my payments for XXXX/XXXX/2020 or XXXX/XXXX/2020 and did not contact me until XXXX/XXXX/2020 about unpaid mortgages. 

I immediately reached out to XXXX and confirmed the checks and check numbers which were mailed to Mr. Cooper and which they did not process. 

I have since paid the past due amounts online and will be doing so in the future because Mr. Cooper can not be trusted to make my payments from the checks which were mailed from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: CITIBANK, N.A.
State: IL

Complaint narrative:
CITICARDS IS REPORTING FALSE DATA TO XXXX & OTHER AGENCIES. 
FROM XXXX2020 TO XXXX2020. CITICARDS REPORTED A CREDIT BALANCE/LIMIT OF $ XXXX {$4100.00}. BUT MY LIMIT WAS REDUCED TO {$2500.00} ON XXXX ( w/ MY BALANCE BELOW THIS AMOUNT - SINCE XXXX2020 ). 

COMPLAINT FOR : CITICARDS CBNA XXXX XXXX XXXX XXXX, AZ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I enrolled in the school but never attended any class.

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 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I have a current mortgage with Mr. Cooper/Nationstar and in XX/XX/XXXX I began a refinancing process. In this process an appraisal was required. I paid for the appraisal on XX/XX/XXXX ( XXXX XXXX transaction with XXXX XXXX Appraisal XXXX for {$650.00} phone : XXXX ) and received the appraisal on XX/XX/XXXX, which had an expiration date of XX/XX/XXXX. Ultimately, Mr. Cooper was unable to meet my needs so I withdrew my request and started the refinance process with XXXX XXXX XXXX on or about XX/XX/XXXX. I provided this new company with a copy of the appraisal. They reached out to Mr. Cooper trying to get the appraisal transferred to them with no follow through. I have attempted on several occasions to contact the personnel I worked with@ Mr. Cooper but have only been able to leave messages and haven't received any call backs. Now because of Mr. Cooper 's lack of action a new appraisal has been requested which is going to cost over {$900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I've tried to link this account several times to my stock account and the bank is blocking it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Francy Law Firm, P.C.
State: CO

Complaint narrative:
I was sent a letter in the mail XXXX XXXX2020 from fancy law firm in regards to a charged off auto loan that I had with XXXX XXXX XXXX as soon as I received the letter I called them to see what my options were I offered to make a XXXX dollar payment arrangement a month until I can go back to work when I will be able to pay XXXX dollars every XXXX and XXXX of the month which are my pay periods they told me that those options would not work I will have to pay more than that because the interest rate is over XXXX percent I still explain to them what my income was and the representative that I spoke with said they will Sue me and they will also try to reach out to the other party listed on the auto loan. On XXXX XXXX   two thousand and twenty a representative named XXXX contacted me I missed her original call so I called back about an hour or so later I again explain to them the payment arrangements that I could pay and at that time XXXX became very aggressive and very rude she said that I could have paid my stimulus check for the debt I could have used my unemployment I told her I didn't have any unemployment to give at the moment she said they could take my unemployment XXXX also said they will continue to call until it gets resolved or they will Sue me in court she also stated that she would contact the other party which is my great aunt on the loan she asked me what kind of income my great aunt had what I had on her and I told her I had none to give, and she continued to just get more and more aggressive and very, very rude, every time someone calls from this law firm, they are very rude and nasty, they threaten you, I understand that they do not have to go with the payment plan that is offered, however, they still need to be able to handle calls in a well manner, they should not treat people the way that they have been treating them. When I first reached out to this law firm, the very first representative I spoke with said the minimum amount they could take was XXXX from me, however, she did not reiterate if that was every XXXX weeks, every week or every month, so if me offering XXXX every XXXX and XXXX, once I go back to work, is not suitable, they should have never told me that amount if that was a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I spoke to a representative at Diversified Adjustment Service Inc. who represents XXXX the phone company. They told me that I could settle my debt with XXXX if I paid half of the owed amount to them. I paid XXXX dollars and was told that I no longer had a debt with sprint. I called XXXX two days later to confirm that my debt was paid and they informed me that it was not true but I still owe them a few XXXX dollars. When I explained what happened and what I was told they said that it was not their problem but I still owe them. I called Diversified and was told by a new representative that what happened is not their fault but they could transfer me to a manager who did not answer. I called back multiple times only to be transferred multiple times to the voicemail of the manager. I explained to both XXXX and Diversified that financially this is a hard time due to losing my job to Covid 19 and I only paid the debt to protect my credit. There was no resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE NEGATIVE ACCOUNT AND INQUIRIES GOT ON MY CREDIT FILE. I STRONGLY BELIEVE THAT SOMEHOW SOMEONE GAINED ACCESS OF MY PERSONAL INFORMATION AND WAS ABLE TO OBTAIN THE ACCOUNT AND INQUIRIES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Credit Control
State: CA

Complaint narrative:
As a Federally Protected Consumer, the Original Creditor, and its Principal and Authorized Representative for on all accounts created by my seal/signature, As of the date of this letter you XXXX XXXX has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I enrolled in the school but never attended any class.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: GA

Complaint narrative:
XXXX XXXX XXXX has placed an account with Perfection Collection XXXX. Someone opened an account with this home security company in my name. The balance is {$3400.00} I sent transunion a copy of the police report however they refuse to remove the account in addition. The collection company states that they will not remove this account unless someone is prosecuted for the crime. They would not accept a copy of the police report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My XXXX account was hacked and someone ordered {$420.00} in charges without my permission. XXXX froze my account and never shipped those items. They reversed the charges see attached and serve will not give me my money. They denied my dispute 2 times. I have additional documentation from XXXX that these were unauthorized charges and serve at American Express will not give me my money. Please hrlp

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12 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: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I reviewed my account with moneylion and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as Monwylion is reporting on all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have a mortgage with Mr. Cooper and I was current until XX/XX/2020. But due to financial difficulty I was behind in my mortgage from XX/XX/2020 to XX/XX/2020. Since then I have been paying my mortgage to them in the amount of {$790.00}. On XX/XX/XXXX I received a letter from Mr. Cooper that I had not paid my property taxes and they needed a proof of payment in 30 days. And I in fact did contact them on XX/XX/XXXX that I had already paid the property taxes and I had mailed a copy to them and I did mention that I had sent several e-mails with the property tax information and that e-mail was undelivered.On XX/XX/XXXX I received another letter stating that I need to bring my mortgage current by paying {$3200.00}. I again called them on XX/XX/XXXX and explained to them that by end of XXXX I should be able to bring my account to current. I get yet another mail from Mr.Cooper saying starting XXXX I will have to pay escrow as they paid part of the property taxes and that my mortgage will increase to {$990.00}. I again called them at this point of time I do not know the date or time as they have been sending barrage of mail like every other day or every week. I have sent them e-mails with the proofs of my property taxes being paid and the e-mails were not delivered to XXXX the company they use for escrow account. I called the local tax commissioner 's office to get details if the money was applied to my property taxes and they said that a check was mailed back to them on XX/XX/XXXX the day and I sent them all the details. I have been since then paying {$790.00} every 2 weeks trying to bring to current. At one point they returned my money, but I sent it back to them. I made my last payment on XX/XX/XXXX for {$790.00} and they send another letter stating that I did not pay the full amount that is due for mortgage so they put in an suspense account until I pay the full amount. I am not sure what I can do at this point of time. I never had an escrow account and I have been paying my taxes every year, maybe late this year due to financial difficulties. Mr. Cooper also acknowledged that they received the information from the local commissioner 's office that my taxes were paid. I am going to send all the notices and mails and e-mails that I have to you. It has been an emotional turmoil to me as I am afraid of losing the house. In good faith I did what I can, but they are not helping. They even suggested that I take 3 months forbearance. And what happens after 3 months do I have to pay everything. They said yes which includes fees and other charges. And I can not refinance or modify the loan either. I am just tired and drained out talking to the people at Mr. Cooper. I just need help to get this resolved and pay my monthly mortgage of {$790.00} and pay my own property taxes. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE NEGATIVE ACCOUNT AND INQUIRIES GOT ON MY CREDIT FILE. I STRONGLY BELIEVE THAT SOMEHOW SOMEONE GAINED ACCESS OF MY PERSONAL INFORMATION AND WAS ABLE TO OBTAIN THE ACCOUNT AND INQUIRIES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE IN A TIMELY MANNER.

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