vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly contacted XXXX XXXX and sent in proof through varies forms of communication including email, mail, fax and have spoken to representatives that have refused to transfer me to a supervisor in the compliance department regarding a mistake in my payment history. I will once again provide evidence that states every excuse Ive been given such as : bank account number not existing, my bank unable to locate account number and my payment being set up incorrectly. I contacted my bank and they have sent me a written statement saying they never sent a payment to XXXX XXXX because none was requested. I will send in evidence in the form of a bank statement showing my bank account was open and active for the month Im disputing which is XXXX of 2020. I am sending an email confirmation of the payment being set up on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have repeatedly contacted XXXX Visa and sent in proof through varies forms of communication including email, mail, fax and have spoken to representatives that have refused to transfer me to a supervisor in the compliance department regarding a mistake in my payment history. I will once again provide evidence that states every excuse Ive been given such as : bank account number not existing, my bank unable to locate account number and my payment being set up incorrectly. I contacted my bank and they have sent me a written statement saying they never sent a payment to XXXX  Visa because none was requested. I will send in evidence in the form of a bank statement showing my bank account was open and active for the month Im disputing which is XXXX of 2020. I am sending an email confirmation of the payment being set up on time.

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 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: LA

Complaint narrative:
XX/XX/XXXX I call the front office at XXXX XXXX XX/XX/XXXXin XXXX IL. The lady said hold on why she talk to a XXXX and got back on the phone and said yes you can pay it late just bring the late payment as well. My rent was XXXX plus XXXX dollars late fee. As I get to the front office they denied even speaking to me on the phone and refused to take my money. And sent me to eviction court they knew I had a sick child that just got out the hospital I just started back working but I had XXXX kids and going threw a lot I was never behind just paid it late sometimes even with the late fees. I want to buy a house and cant because of this on my credit. Im on public housing now. I dont live in the state of XXXX IL anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: NJ

Complaint narrative:
This credit card company does not know how to protect its consumers. During follow up calls they said the fact that we still have the card makes us liable for the disputed charges. Neither me or ANY of my family members have gone to 2 of those places in NJ where the transactions took place. If there will be a PROPER investigation we are confident that it can be proved we were never on those places at all. The credit card co does not give us any other information whats their evidence why we are responsible. We dont even know if these purchases were done online or in-person. This has been reported to the XXXX police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21 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: NV

Complaint narrative:
Experian is reporting account number and opened date wrong in this account XXXX XXXX XXXX XXXX XXXX XXXX Please correct this information or remove the 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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: NV

Complaint narrative:
Experian is reporting account number and opened date wrong in this account ( XXXX XXXX ) Please correct this information or remove the 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 2020-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: TN

Complaint narrative:
I applied for a VA mortgage loan as a single applicant with Pulte Mortgage back in XX/XX/2020. My loan number is XXXX. I currently live with a living partner of many years. Although I received a conditional preapproval, the current process has reached a stalemate. At the moment, Pulte Mortgage wants to pull credit and assess debt of my living partner into my debt to income ratio. Essentially, they want to force my mortgage application to be a joint application instead of a single application. I do not want my living partner included in my loan nor her debts added into my loan process since we are not married officially. I feel Pulte Mortgage is to coerce me into something that is not legally warranted or obliged. This practice may violate their ethical business practice. Additionally, I feel discriminated against my marital status. Please investigate further. 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 2020-12-21 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: CA

Complaint narrative:
I contacted experian & XXXX  on a fraudulent account and provided proof to have it removed, I spoke with the reporting ( bank ) company multiple times who do not report or respond to XXXX  and experian, i was told by the bank they are not and have not been in contact with experian or XXXX who havent contacted them at all. XXXX  and experian are not properly investigating my dispute due to a representatives response saying we have it here saying this is your account so we will not contact them everytime you dispute or give us any proof, have the bank call us and we will take it off other then that we do not have to reinvestigate that statement is totally illegal.

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 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX a refund check was sent to me from XXXX XXXX because I obtained a new homeowners policy with XXXX before the XXXX XXXX policy expired. XXXX XXXX without authorization issued another policy which caused this financial hardship. The COVID19 Pandemic started adversely affecting our home financially, but once it was understood of the mix up we have made every attempt to resolve the matter amicably. XXXX XXXX sent the matter to Credit Collection Services ( CCS ) in the amount of {$1300.00} of which {$99.00} has been paid leaving a balance of {$380.00}. The Pandemic is still affecting out family financially, but have been paying {$120.00} every month and only have 3 more payments of {$120.00} left to pay. Now ( CCS ) has placed a negative account on my credit report to make our families financial situation even worse when we try to recover financially after the Pandemic. The refund is clearly not our error and XXXX XXXX is receiving a direct deposit from me every month. There is also FALSE information on CCS statement XX/XX/XXXX it states we canceled the policy with XXXX XXXX in XXXX that is FALSE because we never requested a new policy

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: MN

Complaint narrative:
true accord fraudulently open a credit card account in my name, set up online banking to true accord, and utilized the card without my knowledge until i tried to refinance my house and i received a email from XXXX @ support true accord, stating the balance, and they was no longer collecting the balance on the account and that they forward the account back to XXXX XXXX, which i never applied and used the card at all..but i was informed from my credit report about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I did not receive a bill for my outstanding credit card debt with Wells Fargo. This is hurting my credit score and it is very tough to make payments with the global pandemic happening. I owe them close to XXXX $ and I haven't been able to pay since XX/XX/2020due to financial hardship.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I submitted a fraud complaint with US Bank Reliacard Services who is the service/card provider for unemployment benefits in Texas. This complaint was submitted along with supporting documents and I received a letter on XX/XX/XXXX from the Prepaid Dispute Resolution department stating they got my dispute and documents and have started their investigation, but the merchant has 120 days to respond. I waited until XX/XX/XXXX to call giving them an extra month. I called at XXXX and sat on hold roughly 70 min. To be told someone would be notified and call back Monday. Called back Monday, on hold 53 min, was told it was being escalated and supervisor assured me would be resolved. This same event occurred XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so on. Now we're in XXXX, over a year later, XX/XX/XXXX to be exact. On the phone with 2 employees 87 minutes. Found out it was in my favor back in XX/XX/XXXX, but no one knows where the money is, so back to square XXXX. I was told it was being escalated and someone would contact me w/in XXXX hours and no one did, so I reached back out XX/XX/XXXX, on hold XXXX hours and XXXX minutes!, XX/XX/XXXX, and the last time was XX/XX/XXXX on which date the supervisor said that honestly, nothing ever gets resolved, so this is my best bet. It's {$450.00}. That's a lot to me. Nothing was ever done and no one cared. I remained calm and respectful and was literally on hold for what? It's in my favor, nothing was put back on my card- we looked at all of the statements many times. I've read other 's complaints pretty similar. Please help me get my money back. Thank you for your time and please let me know what I can offer in the ways of help to get this resolved! ( No one could or would provide me employee names or badge numbers? )

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 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I signed up With XXXX for internet and TV services and was told I would have 30 day guarantee to cancel service if I was unhappy. I canceled the service on the 32nd day but was charged for 60 days of service. 

I was never told that I would be charged for a full second month. The service was disconnected and the bill was paid for 32 days. 

They refuse to credit the bill for the other 28 days and have now turned it over to a collection agency that is reporting it on my credit report for something I did not receive the service for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: FL

Complaint narrative:
EXPERIAN HAS MY CREDIT USAGE OVER 68 %. BASED ONLY ON XXXX LINE OF CREDIT. WHEN I AM UNDER 30 % IN TRUE CREDIT USAGE. ALL CREDIT CARDS AND LINES OF CREDITS SHOULD BE COMBINED FOR TRUE CREDIT USAGE. CORRECT MY CREDIT USAGE.

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 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Received two calls from portfolio recovery. One yesterday Sunday and the other today XX/XX/2020, @ XXXX XXXX. I have told this company they have the wrong person, but they continue to call and ask for my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On the XXXX of XX/XX/2020 at about XXXX EST I made a zelle online money transfer of {$1500.00} transaction using my XXXX XXXX mobile banking App. The transaction was cancelled and my checking account was debited of {$1500.00} by XXXX and First Horizon Bank. I was given a transaction ID of XXXX for this transaction, the beneficiary account never received this fund and it showed that it was cancelled on the mobile banking app. I contacted the bank the next day and I was asked to open a XXXX dispute which I did right there in the bank and also called First Horizon Online banking services. They told me it will be resolved in 3 to 10 business days and my money will be refunded back to my checking account. Its been more than 10 business days since this transaction happened, I have contacted the bank twice since then and they told me they can not do anything about my money until XXXX refunds the money. They keep telling me to contact there online banking services and still no help in sight after contacting the online banking services of First Horizon bank. I contacted XXXX and they told me to go back to my bank as I did not carry out the transaction with a zelle app. First Horizon Bank still has not been able to do anything regarding this transaction after contacting them numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 60 days late. There was an error on their part. I was never 60 days late.

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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.

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 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX in XXXX, NY. I am representing the seller. 
We accepted an offer from a buyer on XX/XX/2020 not contingent on the sale of her home. 
I called the mortgage broker at American Financial Network Inc. to varify and confirm that the buyer was qualified and the purchase was not contingent on the sale of the home. 
They said it was not. Along the way they asked for 2 extensions and the sellers granted the extension. We we suppposed to close before the end of the year. My sellers are in a contract on a new home based on the sale of their home. Yesterday over two months of dealing with this buyer and mortgage company, her agent and the mortgage broker are now told that she was not approved. Her home is closing this week, so it's beyond the cale of her home .The sellers are devestated, this bank never should have pre-approved her for a mortgage and dragged us along for all this time. Now we are stuck. 
I want a complaint aganist this mortgage company they are playing unfairly with families lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation