vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 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: AL

Complaint narrative:
On XXXX XXXX i sent all 3 credit bureaus certified mail disputes of inaccurate things on my credit report and i have not received anything yet over 45 days now. my understanding if a investigation take more than 30 days all inaccurate information must be deleted from my credit reports.

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 2020-05-08 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: PR

Complaint narrative:
I toured an apartment complex and paid a one time {$35.00} tour fee. I never selected an apartment with them, signed any kind of obligation to them, nor ever even verbally confirmed with them that I intended to move in to their complex. They checked my credit and said they could offer me an alternative deposit arrangement for an additional {$300.00} over their normal deposit due should I wish to sign with them. I told them over the phone I was undecided. Months later I got a collection company call saying I owed this complex {$300.00}. I explained this was either a mistake or fraud and described the above interactions. I immediately called the complex and spoke with a woman in the office and told her this was a mistake or worse and it needed to be corrected. I heard nothing back. I called again and left a message. Again no reply. A third call and another answering machine and no reply. I emailed the XXXX XXXX XXXX detailing my dispute. No reply. I then saw this showing up on my credit report and I disputed it there. No reply! Now today I see it STILL SHOWING on my credit report only now turned over to a collection company. There is absolutely no possible way this debt can ever have been verified because it simply does not exist. This is either a coding error or fraud on the part of the rental company.

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 2020-05-08 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: National Credit Systems,Inc.
State: PR

Complaint narrative:
I toured an apartment complex and paid a one time {$35.00} tour fee. I never selected an apartment with them, signed any kind of obligation to them, nor ever even verbally confirmed with them that I intended to move in to their complex. They checked my credit and said they could offer me an alternative deposit arrangement for an additional {$300.00} over their normal deposit due should I wish to sign with them. I told them over the phone I was undecided. Months later I got a collection company call saying I owed this complex {$300.00}. I explained this was either a mistake or fraud and described the above interactions. I immediately called the complex and spoke with a woman in the office and told her this was a mistake or worse and it needed to be corrected. I heard nothing back. I called again and left a message. Again no reply. A third call and another answering machine and no reply. I emailed the XXXX XXXX XXXX detailing my dispute. No reply. I then saw this showing up on my credit report and I disputed it there. No reply! Now today I see it STILL SHOWING on my credit report only now turned over to a collection company. There is absolutely no possible way this debt can ever have been verified because it simply does not exist. This is either a coding error or fraud on the part of the rental company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I got online to request debt validation from all three major credit reporting agencies in regards to a JPMCB account on or around XX/XX/XXXX I took screen shots of the original amounts and dates on the account when I requested the information upon completion of the investigation asking for detailed account information on this one particular account I noticed that the debt had been illegally re-aged I attempted to disputed the results of the investigation but was told that I couldnt do anything else with that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I have a paid off in full closed mortgage from quicken loans and they showing late payments I filed a dispute and the results came back and they added even more late payments to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have three transactions with Paypal that have not been resolved. I ordered three different products from three different vendors in XXXX. None of them have arrived and Paypal has not refunded my money. Their resolution center isn't working either. 
I am fed up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am submitting a complaint against XXXX XXXX which is a third party company who has purchased an inaccurate collection list from Synchrony Bank. They are reporting to XXXX, XXXX, and XXXX that I owe there company XXXX on an account that is not my account. They are in violation of the Fair Debt Collection practice Act section 807-8 because they have no competent evidence bearing my signature showing I am contractually obligated to pay this debt. They are also in violation of the fair credit reporting act section 623-b. for defamation, negligent enablement of identity fraud violation. They are also trying to collect funds from my social security benefits.

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 2020-05-08 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
i had a mortgage with XXXX.i got a letter from them in XXXX, saying they were gon na sell my loan to Shellpoint mortgage.i did online reviews of there company, and decided i don't want any part of them.so i paid the mortage off on XXXX.i sent a cashiers check, i got the letter from XXXX saying paid in full i got an alert from XXXX credit bureau on XXXX saying my credit score went from the 800 '' s to the six hundreds.so after investigating, Shellpoint Mortgage said they hadn't received a payment in 120 days.the credit bureau report said , amount owed XXXX, amount paid XXXX, after all of this Shellpoint admited that it was a mistake.but they want me to send them a letter asking for them to remove it from the credit bureau.i said '' u just told me it was a mistake '' and now u want me to ask u to please remove it!!!, after the hard ship i have been through!! but i did send them the paid in full letter from XXXX, a copy of the cashiers check last week.i called them today XXXX, they said they had received my documents, and do u believe they still want me to send them a letter requesting them to remove it from my credit report!! i said, wait a minute, i'm the victim here, shouldn't you be sending me and apology letter!! i have allready the attorney general.they suggested i also contact u.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover Financial Services failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Utah System of Higher Education
State: UT

Complaint narrative:
I brought my loans to an active status and it was suggested by UHEAA that I consider consolidating my loans. I elected to do so. In 2018 I consolidated my loans with XXXX as it was a " sister '' company wit UHEAA and located here in Utah, locally. I recently had my credit report pulled to prep to purchase a new home. There is a report on my credit dated in 2018 just before I consolidated my loans, causing my credit score to have a pretty substantial hit. I contacted XXXX to figure out what it was. They informed me that it was a hit from UHEAA, who I contacted immediately. UHEAA stated that as the account was closed and paid, as part of the consolidation, which they recommended, that they " could not do anything about the hit '' on my credit report. I plead my case, stating that I did everything they asked, got my accounts current, consolidated on their suggestion, and they are still dinging me on my credit. This hit, which was done while I was consolidating, and I would not have been able to consolidate if there was any delinquency on my account, is preventing me from securing a much better financial situation to purchase a new home. 

Again, I plead my case to UHEAA, who repeatedly stated there was nothing they can do. This does not make sense as they are the entity who applied the hit. Again, I did everything as they asked and complied with their programs. I need this hit removed so that I can continue to move forward in providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I opened two credit card accounts with XXXX XXXX in 2006. When I opened them I also took advantage of the unemployment insurance they were offering, as I found out later was completely fraudulent. When I became laid off from my employment, I tried to use the insurance which was completely and utterly worthless. My accounts with them were in dispute for quite some time until it became clear that they were not going to honor the insurance they provided me. In the meantime while the dispute was going on I was getting late charges and derogatory remarks on my credit until this day. They were taking advantage of peoples trust. The fraudulent insurance scheme has stopped, but I'm still paying for it through my credit reports showing all those late payments that were not supposed to be reported during a dispute process. I had to eventually pay them, late charges and all, which have been at a XXXX balance for five and six years respectfully, but XXXX XXXX refuses to take off my credit report. They got what they wanted, why are they still trying to hurt my credit? Sincerely, XXXX 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 2020-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have the XXXX service thru my Capital One credit card. I have used it for years without incident. Today, I checked the site and my credit score had dropped by 22 points, with the website showing, under the section listing issues affecting my score, " Managing Real Estate '' with a further paragraph discussing a mortgage. 

I do not now, nor have I ever had, a mortgage. Nor have I applied for one. I rent. 

I called the phone # on the XXXX site and it turned out to go to XXXX, not XXXX, and they would offer zero information. XXXX said they were a completely separate and distinct company, and I'd need to speak directly to XXXX. I then called CapitalOne asking for a direct phone # for XXXX. I was put on hold, given the option to have a call back in an hour, and when they did call, was told to go back to the same website that had already mis-directed me. 

Obviously, I want an explanation for where the erroneous " mortgage '' information was obtained as it could suggest a fraudulent use of my personal information. I will add that in the years I've used the XXXX account, I have frequently checked my score, used their simulator feature, and also checked the listing referencing facts impacting my score. Until today, there had NEVER been a section discussing a mortgage or real estate. 

In short, the lack of response or availability of any information from Cap1 or XXXX is extremely frustrating. There should be some way to reach a person who can look into this false information and explain the source.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have consistently disputed owing this debt. I have sent 2 letters to Phoenix Financial Services stating this. In my first letter to them dated XXXX, I stated that while I do not acknowledge ownership of this debt I was willing to offer 150 dollars in exchange for them removing this damaging collection account from all three credit reporting agencies, XXXX, XXXX. and XXXX. They responded with a counteroffer of XXXX. I then sent them a letter dated XXXX again saying that while I was not responsible for this debt, I was willing to accept their offer. I just received a letter from them dated XXXX. They claim they have attempted to contact me and the debt remains outstanding, which is not true, and they increased the amount they were willing to accept to XXXX, while completely ignoring my request to remove this account from my credit reports. This is completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$5600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CA

Complaint narrative:
I was trying to buy my wife a necklace at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: WV

Complaint narrative:
XX/XX/XXXX. An unauthorized hard inquiry was sent to Equifax for XXXX XXXX 
Didn't discover it until around XXXX or XXXX XXXX when got new credit card. 

Attempted several times to dispute online and kept getting bounced back. In XX/XX/XXXX got thru to agent at Equifax. And wasnt able to get resolved on phone. 

Sent letter from XXXX XXXX  in early XX/XX/XXXX stating XXXX XXXX  requested removal of inquiry on or around XX/XX/XXXX ; letter dated XX/XX/XXXX. To Equifax via mail. XXXX XXXX  also agreed to send notice to Equifax. 

Checked multiple times. No updates. 
Multiple online inquiries. Equifax wont remove it. They blame XXXX XXXX. XXXX XXXX  blames Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, XXXX, Agent # XXXX, from Capital One Credit Card Fraud Department refused to contact XXXX XXXX to ensure my XX/XX/2020 payment of {$640.00} had successfully posted / processed on XX/XX/2020. Therefore, when I inquired about the refusal, she quoted company policy, and continued to imply Capital One no allowed representatives to verify payments from the originating Bank. 

Ironically, regarding this same topic, on XX/XX/2020, CFPB Compliant # XXXX, was submitted, a Capital One Manger performed due diligence by contacting XXXX XXXX, and verified successful processed / posted. Therefore, CFPB closed the compliant once Capital One submitted an untruthful response. Bottomline, I have submitted several payments, which has taken Capital Once days and sometimes weeks to post the current data, which has also resulted in false reporting on my credit report. Furthermore, I have requested for the representatives to contact XXXX XXXX and Department of Treasury, to confirm these payments were successfully collected, however placed on hold after successful processing / posting. As a project manager, I can recognize / determine when a company, such as Capital One, displays ethical or unethical habits by the way of their float, meaning money is processed. Therefore, Capital One has unethical practices. Therefore, I sincerely beg of you, CFPB to truly investigate Capital One Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received information that my loan has been sold to Wells Fargo. When trying to log in online, it is requiring me to consent to a Online Access Agreement. A number of things in this agreement do not make sense and i am trying o get clarity on what they mean. I have called the number on the document and they keep placing me on hold after i talked with three representatives on XX/XX/2020.

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 2020-05-08 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: CA

Complaint narrative:
I was trying to buy my wife a necklace at XXXX XXXX XXXX  today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access my credit.

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