vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently attempted to dispute a bankruptcy showing on my credit file with Experian ... Experian responding saying item was verified as correct with XXXX county courts I then contacted the courts who stayed they have no records of said bankruptcy filing reference XXXX contains my name and that they had NOT verified or provided any information to Experian ... .I then reached out to Experian again and received credit report # XXXX dated XX/XX/2020 which now referenced the source of the bankruptcy as XXXX XXXX I contacted XXXX XXXX and received a copy of my file which still does NOT reference bankruptcy XXXX as Experian has listed I then filed a compliant with CFPB XXXX were Experian responded they would NOT take any actions as my disputed appeared to be from a third party. How can they say this when I provide a copy of my drivers license social security card and credit report showing the bankruptcy listed on it ... I believe Experian is violating my legal right to dispute invalid information and it is causing undue financial hardship for me .... I will be obtaining an attorney for legal assistance with this matter if no valid dispute is allowed on this item I am providing photo Government issued ID Proof of address, social security number and credit report as the previous response stated these items were needed although they were attached

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 2020-05-28 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:
To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on transunion I am being hit with portfolio recovery original creditor XXXX  XXXX XXXX  for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX  XXXX  original creditor was XXXX  XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX  XXXX XXXX. This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX  which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609 I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on XXXX  it shows 2 and the other XXXX  has stated I do not owe.

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
My wife and I bank with US Bank, we were offered a US Bank credit card in XX/XX/XXXX. I accepted the offer. I tried several times during XX/XX/XXXX to log in and set up my account and auto payments. My wife tried and could not, so she called the credit card service number. This was on or around XX/XX/XXXX. The person my wife spoke with explained there was an issue with the way our account was set up with the bank and therefore with the Credit card. We did get that resolved and my wife made a payment, while at the same time setting up auto payment. Due to the issue, the representative my wife spoke with removed the late fee. 
In XXXX, I received an email stating I had a missed payment, My wife called the customer service department, she took care of the account and verified that the auto payment was set up this time. 
In XXXX, I received an email from XXXX XXXX stating my credit limit had been dropped by {$5000.00} I called customer service and was told that they could not tell me why. I was told, I should have received a letter, I said I did not and requested a new letter. I had to call back several times to get the letter. 
Once I did receive the letter, it stated the reason for lowering my credit limit was due to missing 2 payments. Both payments were missed due to errors or issues on their side. 
On XX/XX/XXXX, my wife called and spoke with 3 different representatives before getting any information. She was told I would have to log into my account and request a credit limit increase. Y credit score already took a hit from my having a lower credit limit, now they want me to request a credit limit increase ; which will also impact my credit score ; without a guarantee, my credit limit will be reinstated.

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 2020-05-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. Experian completed an investigation but did not update the incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: RI

Complaint narrative:
In XX/XX/XXXX I applied for an FHA rate/term refinance with Nations Lending. I was presented with a final loan estimate and they were charging {$14000.00} in fees! My new loan amount was higher than my original loan amount. I purchased the home in XXXX. I refused to sign the docs, the loan officer tried to explain how the fees were normal and I felt very taken advantage of. I just wanted to lower my payment a little so it was more manageable and I had even explained to the LO XXXX XXXX my intent was to sell the home within a couple of years. I'm not sure how this loan could have even come close to passing net tangible benefit because how could losing {$14000.00} be a benefit? I wouldn't recoup that loss for years. 
In late XXXX I contacted my own servicer, XXXX XXXX XXXX. They were able to do an FHA streamline rate/term refinance, it cost me {$53.00} to close and only raised by loan amount to {$220000.00} as opposed to {$230000.00}. They saved me the same, if not a little more, money per month and I am very satisfied. 

I think Nations Lending is corrupt and take advantage of people.

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 2020-05-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX, 11 XXXX, 11 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, N/A, XXXX XXXX XXXX XXXX, XXXX  XXXX, Company Inquiries XXXX CREDIT/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F

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 2020-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX, 11 XXXX, 11 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, N/A, XXXX XXXX XXXX XXXX, XXXX  XXXX, Company Inquiries XXXX CREDIT/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F

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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Due to the pandemic, many people are using virtual forms of payment to transact business. I was under the impression that I was working with the owner of a home to rent out the home. The person I was in contact with provided an online application form, a lease ( fraudulent ) and wanted to use a bank bill payer application to set up payment for 1st month rent and deposit to initiate an immediate move-in date. Since I was using my " bank '' bill payer, I thought that I would be able to rescind the payment in the event something went wrong. I was unaware that XXXX via Chase Bill payer would not be considered an FDIC insured option since XXXX is not part of my bank 's products. 

Chase has informed me they have no recourse and that filing a claim would not be granted. XXXX only refers me back to my bank for assistance, which is not helpful. I am at a loss of {$1800.00} and am unable to secure a place without these funds. 

People are using the pandemic social distancing and our aversion to potential exposure as a way to commit fraud. Not knowing much about mobile banking, also creates a big problem since we are under the impression that our money in the bank is safely protected when we are transacting business. Had I known I was exposed, I would have not used that option and probably not gotten scammed since I wasn't willing to use any of the other " cash app '' type applications for this very reason. Beware of all things mobile ask your bank first or be left hanging out to dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. XXXX  completed an investigation but did not update the incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. XXXX  completed an investigation but did not update the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
XX/XX/2019 {$800.00}. I have reached out to the company several times. This account has caused me financial ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CO

Complaint narrative:
I called XXXX in XX/XX/2019 when I was unemployed and let them know I needed help with my payments until I got back on my feet. They said they would take a lower payment but did not mention it would result in a late reporting. It was my understanding at the time that I was entering into a hardship program, but the payments they were taking did not help and actually hurt my credit. Their deceptive collection practices hurt consumers. 

XXXX then enrolled me in a balance liquidation program in XXXX or XX/XX/2019 to bring the account current, and the representative on the phone set up automatic withdrawals to make my monthly payments and. They said there would be a 3 month trial period, and the account would be brought current. I assumed since I had started making full payments again, these would be reported as on time, and I would only have XXXX late as a result of the XX/XX/2019 deception. 

However, they continued reporting my account late during the trial period from XX/XX/2019 through XX/XX/2019 despite sending me a letter saying I successfully completed the trial period, and that my payments were on time. 

I believe this may have been as a result of the dates that were set up by the phone representative being past the due date for the given month. With that said, this is an error on the banks part as I had made payments as agreed. 


This has substantially damaged my credit more than it should have, and the information is incorrect as I paid according to the agreed terms. There should not have been any lates beyond XXXX 2019. The attached letters say I made on-time payments through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CO

Complaint narrative:
I called XXXX in XX/XX/2019 when I was unemployed and let them know I needed help with my payments until I got back on my feet. They said they would take a lower payment but did not mention it would result in a late reporting. It was my understanding at the time that I was entering into a hardship program, but the payments they were taking did not help and actually hurt my credit. Their deceptive collection practices hurt consumers. 

XXXX then enrolled me in a balance liquidation program in XXXX or XX/XX/2019 to bring the account current, and the representative on the phone set up automatic withdrawals to make my monthly payments and. They said there would be a 3 month trial period, and the account would be brought current. I assumed since I had started making full payments again, these would be reported as on time, and I would only have 1 late as a result of the XX/XX/2019 deception. 

However, they continued reporting my account late during the trial period from XX/XX/2019 through XX/XX/2019 despite sending me a letter saying I successfully completed the trial period, and that my payments were on time. 

I believe this may have been as a result of the dates that were set up by the phone representative being past the due date for the given month. With that said, this is an error on the banks part as I had made payments as agreed. 


This has substantially damaged my credit more than it should have, and the information is incorrect as I paid according to the agreed terms. There should not have been any lates beyond XXXX 2019. The attached letters say I made on-time payments through 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 2020-05-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX of 2018 i spoke with a supervisor at Synchrony bank in regards to my XXXX XXXX XXXX account. They stated they would remove the XX/XX/2018 late payment off my credit. I recently had my credit pulled and saw this remark was still on there even after they ensured me it was removed.

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 2020-05-28 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: MS

Complaint narrative:
I Have of submitted my Identity theft paperwork from The FTC as Im am a victim, and the credit reporting Bureau refuse to remove accounts that are affecting my credit, and this act is greatly affecting my ability to get credit, I'm looking to do a refi on my house.

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 2020-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute to Experian & XXXX  about an account that was not valid on my credit report. It's been over 60 days and they have not replied with the results. I'm distressed and need help.

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 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: NJ

Complaint narrative:
Southern Management System ( the XXXX apartments ) XXXX XXXX XXXX XXXX, XXXX fl XXXX XXXX. Mailing address XXXX XXXX XXXX fl XXXX stating that i owned {$3000.00} i try to revolve the issue in different ways and what they do every month the updated on my credit report as new .. this acct is more than 3 almost 4vyrs old. And they keep updating it on my 3 credit report every month .and for my understanding this action its a violation of law for reporting old past due as a new.

Company response to consumer: Closed with explanation