vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 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: CA

Complaint narrative:
I contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.

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 2019-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to get my name, SSN, DOB fixed with  Equifax since XX/XX/XXXX since I found out they had my DOB linked w/ my older brothers name & SSN when I went to get pre-approved for a mortgage loan. EQUIFAX did nothing to correct it until now ( after I had sent all the required documents ). Worker, XXXX XXXX, from Equifax signed for these documents in XXXX, GA on XX/XX/XXXX at XXXX. Yet, instead of correcting the problem & establish a different file for me, they DELETED my youngers brothers SSN & entered MY SSN in his file. Now all of my younger brothers mortgage loan, credit cards/auto loans are shown under MY SSN, but with HIS name & DOB. And none of my credit card/auto loans show up in there. I dont know why they can not see it right. The documents I submitted ( DLs, passport ) do not show younger brothers DOB. This problem needs to be fixed as earliest as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I filed a dispute with this company, asking to verify information about the debt, because the original creditor shows that the balance is XXXX and no debt is owed. The dispute came back and nothing was changed, although they did not verify it was my debt. I recall that being mandatory, as that was the whole reason for the dispute in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: United PanAm Financial Corp.
State: MA

Complaint narrative:
This was reported as " CO '' with the last date of activity is year 2017, how come that I see multiple " CO '' along with the multiple " OK '' on my paymebnt history? I'm quite confuse, I'm pretty sure this is inaccurate and must be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX has a credit card on my credit for discover credit card I have a collection from XXXX XXXX company that dont belong to me on my XXXX XXXX report I have Fruad accounts on my XXXX credit report that dont belong to me and it is maken me get turn down from creditors I need all the accounts thats on my identity theft report to be block off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Why did XXXX XXXX after selling my debt to XXXX   kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX XXXX.? 

Why? 
When? 
Who?

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 2019-09-14 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: CA

Complaint narrative:
Why did XXXX  XXXX after selling my debt to XXXX kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX credit.? 

Why? 
When? 
Who?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 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: CA

Complaint narrative:
Why did XXXX  XXXX after selling my debt to XXXX kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX credit.? 

Why? 
When? 
Who?

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 2019-09-14 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: SD

Complaint narrative:
XXXX The PayPal account for the email above was given {$25.00} from my account. The email had been changed on my account and the charge was made. there was an additional charge for a service fee of {$2.00}, making the total that was taken out of my account {$27.00}. 
I requested the money back from the individual, but I don't believe they will give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent several debt validation letters and haven't received what was asked for also tried to dispute with credit bureaus. last letter sent XX/XX/XXXX disputed with bureaus XX/XX/XXXX, XX/XX/XXXX. I sent validation letters XX/XX/XXXX, XXXX. they havent furnished me with what was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I paid all my credit cards down to a XXXX balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I sent a validation of debt letter several times also had XXXX XXXX  assist me with the account never received anything requested also tried to dispute with credit bureau no written correspondence received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.

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 2019-09-14 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: PA

Complaint narrative:
I paid all my credit cards down to a zero balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.

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 2019-09-14 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: PA

Complaint narrative:
I paid all my credit cards down to a XXXX balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: PA

Complaint narrative:
I paid all my credit cards down to a XXXX  balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.

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 2019-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.

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 2019-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Commercial Audit Inc
State: CA

Complaint narrative:
MCA Management Company out of Missouri placed a collections on my credit report for {$1500.00} back in XX/XX/XXXX. I don't recognize this account and will need verification of this account and what the {$1500.00} is for. There wasn't any mail in regards to what the collections is for. 

As highlighted in the FCRA Reporting Act, please provide verification of this collection. Also, please cease any collection calls immediately if there are any in the near future.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 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: NV

Complaint narrative:
There's lot of inquiry that I have no idea what happened, but there's also address I don't recognize and a social security number also I'm trying to fix my credit reports please I'm reporting it as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a Bank of America Credit Card that I have had over 20 years without making late payments. The credit line was {$25000.00}. On XX/XX/XXXX I made a XXXX payment to my card. I was planning on using the card to make some payments and other purchases. I called Bank of America on XX/XX/XXXX to conduct a balance transfer. After speaking to several people they lowered by credit limit from XXXX to XXXX. They said this was based on new information obtain. I did not authorize a new credit request. I believe I have been a victim Fair Lending violation, Unfair and Deceptive Acts and Practices violations, ECOA violation, and FCRA violation. When they transferred me to the Balance transfer department no disclosure were given to me to state credit was being used or new credit decision was being made. I did not authorize Bank of America to pull my credit again. I believe this is an Unfair, Deceptive and Abusive act that was targeted at a minority. They ask if I was employed and current income. I told the customer service person I did not want to initiate a new credit request. I only access the credit limit that was established. Bank if America has created an extreme hardship and will cause not to meet some obligations. I called several time and no one was willing to assist me. This is negatively impacting me personally, professionally and my business.

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 2019-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Our home was supposed to have been sold. Because of the noise and air pollution happening around the clock, preventing us from getting even a near normal nights sleep. We left our home before the sale was final. ( To stay with family in North Carolina ) We were told there was to be an inspection of plumbing on the inside of the house from the town of XXXX. Then told they had to hire someone to fill one of the basement drains ... ( which by they way was completely dry for the 6.5 years we've been here ) We told them NO because no one was there to represent us. It was done fraudelently, only to let us think it was required in reality it was so we would think when the basement was deliberately flooded we would blame on what was done ... which we did.. That was never the case, it was done as a work order and never did we recieve even a bill from the person until we finally had to come back to the house only to find basement damage, mold and decay. Days after coming back to the house instead of billing from the work order we already had a judgment against the house ( the inspection was done in late XX/XX/XXXX and by XX/XX/XXXX we already had a judgment against our property ) Which is why Wells Fargo only pretended to want to work things out with us, they were waiting for us to get the judgment notice ) On XX/XX/2019 We recieved a notice from a server that we have 20 days to respond.

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 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Some body stollen my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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 — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma has locked me out and to be able to access my account, this was the email they sent. I have 3 emails. I changed phones and went to sign in the app and it wouldn't let me. I contacted Credit Karma. They sent this to me in another email as well. I did not give this info to sign up and dont think its appropriate to send it to them considering its very personal info that could be used to steal my identity. 
XXXX XXXX Credit Karma Member Support, XX/XX/XXXX, XXXX XXXX  PDT : Hi XXXX, Thank you for your response. To help you, I need to verify your identity. You can securely upload your identity verification documents using the link at the bottom of this message. 

Two different forms of identification are required - either two primary or one primary and one secondary document.

I can only accept documents that are current and valid, not expired.

Please make sure that all four corners of your documents are visible when you take the photos. ** Primary documents include : Drivers License or State ID Passport Permanent Resident Card ( Green Card ) Military ID ( requires front and back ) Secondary documents include : Another document from the primary list Birth Certificate Social Security Card ( can't be laminated ) Full Utility Bill such as gas, water, electric or internet.

Your service at address must match whats on file with XXXX or XXXX. We can not accept credit card or banking statements or a cell phone bill.

For your security, please do not send your documents as email attachments.You can upload images of your identity verification document ( s ) here : XXXX XXXX  XXXX I'll send you an email as soon as I review your documents. 

Thanks Credit Karma Member Support

Company response to consumer: Closed with explanation