vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 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: FL

Complaint narrative:
student loans are in forbearance and should not be reporting late. 

Dept of education/XXXX  {$37000.00} Shows 3 late payments. Payments were never late Dept of education/XXXX  {$31000.00} Shows 3 late payments. Payments were never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Not being able to link MY account wherever I choose is not acceptable. You have absolutely no right to do so. That should solely my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: RI

Complaint narrative:
yesterday on my XXXX XXXX report i got a sudden notification from a collection agency named jefferson capital systems the original creditor was XXXX XXXX XXXX. i have never received any notice from either company of his debt or informed it would be going on my XXXX XXXX. i have no knowledge of the bill i would like these creditors removed from my XXXX XXXX.please let me know what information this company may need to resolve this issue. thank you. my gmail is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XX/XX/2020 is most recent contact date.Experian was contacted by certified mail in reference to violation of FCRA and after receipt of mail, agency ignored my request. Copies of old report was sent along with request of method of verification.

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a company named synchrony bank which we have no idea why they are calling but they call 4 or 5 times a day staring at XXXX and ending at XXXX. No one is ever on the line they never leave a message but the calls are annoying.

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 2020-07-18 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hello, I am in mortgage Forbearance due to covid and servicer is reporting account delinquent when according to cares act they should not be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF THE WEST
State: AR

Complaint narrative:
ON XX/XX/2020 WE TRIED TO BUY CAR AND WAS DENIED BECAUSE OF NOT BEING IN STATE OF OK. AND XXXX  FALED TO FURNISH SCORE AGAIN.

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 2020-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went into my credit report and found 2 mortgages both closed under wells fargo Bank. They suddenly transfered out my loan last year after being with them for many years and never missing or being late on a payment. I have never had more than 1 mortgage with Wells Fargo and I don't understand why there are 2 with different account numbers attached to them.

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit file with Experian has been locked for over two years, yet this morning I received notice that my credit file has been released to three different financial firms ( banks ) in the past 24 hours. I have spent hours trying to contact Experian to advise them that these inquiries are not authorized but there is absolutely NO way to speak to a live person at Experian. I have tried for hours to file a notice on line that my credit lock has been violated but there is no way to do that on line or by phone with Experian. There are plenty of ways to sell Experian products on line but it is impossible to reach them about their releasing my credit files when they are locked. Just for information, XXXX  is the service that notified me about the Experian breach. I could reach a live person in about 5 minutes. They said I must reach Experian to stop this access, but it is impossible to do so.

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
ON XX/XX/2020 WE TRIED TO BUY CAR AND WAS DENIED BECAUSE OF NOT BEING IN STATE OF OK. AND XXXX  FALED TO FURNISH SCORE AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ON XX/XX/2020 WE TRIED TO BUY CAR AND WAS DENIED BECAUSE OF NOT BEING IN STATE OF OK. AND XXXX  FALED TO FURNISH SCORE AGAIN.

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX  {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine

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 2020-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I've reached out to my mortgage company, " Veterans United '' ( VU ) to inquire about who will pay the property tax to the counties, XXXX and XXXX. The response I received was that XXXX XXXX will have to be paid by me, but XXXX XXXX tax will be paid by VU. 
Fast forward 7 months, on XX/XX/XXXX, I get a letter from VU which stated my delinquent property tax payment to XXXX XXXX XXXX {$690.00} ) although this tax should have been paid by VU on the last day of XX/XX/XXXX. Immediately I reached out to VU and asked what happened because as of XX/XX/XXXX, the incurred tax penalty was {$83.00} dollars. To stop penalty from accumulating any further, I had made a payment directly to XXXX XXXX. 
Fast forward another 2 months, on XX/XX/XXXX, I was able to reach a resolution with VU by receiving their agreement to reimburse me the amount of {$83.00}. However, even after a month after the agreement, VU has failed to reimburse me the penalty that I was at no fault of. Every time I call VU, all I get hear back from different service representatives is same talking point that I've been hearing over and over since XX/XX/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 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I tried to apply for the Amazon Chase card because every time I try to buy something on the Amazon website they badger me relentlessly to apply for their card. I finally applied for it today. They denied me and when I called about it a woman with an international accent refused tried to rush me off the phone. She then further went on to state that my bankruptcy was the one and only reason why they were denying me. 

When I cited the FCRA prohibited her from denying me the woman then stated/insinuated that they were certainly allowed by law to deny me. I then stated that I had multiple credit cards ( all with XXXX balances ) that I could use to purchase the school books. The woman then put me on hold for a bit longer and finally came back. She asked me the same questions that I had answered on the application trying to purposely catch me in a lie. 

I then asked for the woman 's supervisor and she then stated there were no supervisors on the property, that she and only one other coworker were on the building 's property. I suspect some sort of scam is possibly going on, maybe even something fraudulent with people 's personal information. No call center is going to be operational without a supervisor present as I used to work for a call center about twenty years ago. 

When I informed her that I was going to file an official complaint her words were, " you are not going to file a complaint. '' I certainly would like to know how she intended to stop me. The card was going to be used for buying school books and nothing more since they were promising a XXXX dollar credit to the first month 's statement. 

She also did a personal great job of throwing my past credit mistakes in my face, and made no regards of looking at how well I was keeping my current accounts well paid off each and every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: OR

Complaint narrative:
I have a DISCOVER BANK CREDIT CARD which for the year XXXX - XXXX have taken out balance transfers BALANCE TRANSFER HISTORY : {$3900.00} Deposit into Checking DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo APR 6.99 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo APR 0 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo : APR 0 % Promo Expires XX/XX/XXXX My problem and issue is this : I have two {$7000.00} Balance Tranfers that will be expiring their 0 % APR on XXXX and XX/XX/XXXX In order to off set the high Interest rate of 17.99 % that I will be charged when the 0 % APR expires. 
I took out another Balance Transfer on XX/XX/XXXX in the amount of {$3900.00} at 6.99 % for 15 months in order to pay off the oldest loan expiring on XX/XX/XXXX Much to my distress is upon requesting an update on my loans balances, I find out that Discover had taken the {$3900.00} payment that I send and applied the payment to the newest loan instead of the oldest loans. In essence they took the payment of {$3900.00} and paid off the new loan of {$3900.00} in full by XX/XX/XXXX. 

Here 's is the update of my Balance transfers owing : CHAT MESSAGE XX/XX/XXXX Hello XXXX! This is XXXX in XXXX XXXX XXXX. I would be happy to help you today with an update of your balances. The balance ( s ) disclosed is as of today XX/XX/XXXX Balance transfer - Expires XXXX XXXX, balance of $ XXXX 0 % APR Balance transfer - Expires XXXX XXXX balance of $ XXXX 0 % APR Balance transfer -Expires XXXX XXXX balance of {$0.00} - 6.99 % APR Here 's my Payment History : Payment Date ; Amount XX/XX/XXXX {$1000.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1200.00} -- This Payment was also applied right away to the loan of XX/XX/XXXX I have been notifying Discover Credit Department of their error in applying my payments. I have always understood that the oldest Balance Transfer will be paid first. 
I believe that they have deceived me and dishonored their agreement by taking my payments and paying off a loan which they agreed to give me 15 months to pay back. This will give me undue stress when I have to start paying the high Interest after XX/XX/XXXX In order to resolve this issue is for Discover Bank to honor their agreement and apply my payments to the oldest loans first. 
Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see several 30 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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting that I was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX 's account. I contacted XXXX 's and they state it is Equifax that is reporting wrong information. I filed a dispute for XXXX 's through Equifax and attached documentation that validated I have no late payments, but the disputes was completed and results stataed late payments were verified. For XXXX 's I then filed a complaint through Consumer Financial Protection Bureau and it was verified that I have NO late payment and Equifax is reporting the wrong information. Please see below the Company 's ( XXXX 's ) complaint response through Consumer Financial Protection Bureau verifying I have NO late payments. 

Compliant number XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX XXXX ) appreciates the opportunity to respond to the concerns you have regarding account ( XXXX ) XXXX. We have a more than 130-year history of quality customer service and satisfaction, and I would not want anything to impair that record. Our contact information is located on your retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letter. As a reminder, you may contact XXXX regarding questions about your purchase by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with explanation. : 1. You paid the account balance in full in XX/XX/XXXX ; 2. There was a delay in closing the account ; and 3. XXXX  processed a manual AUD on XX/XX/XXXX to correct the credit reporting. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$120.00} due on the XXXX of each month. You made your final payment on XX/XX/XXXX ; however, there was a delay in closing the account. XXXX  closed the account on XX/XX/XXXX. XXXX  processed a manual AUD on XX/XX/XXXX to correct the delinquent credit marks that were assessed on the account due to the delayed closing. XXXX processed a bullseye report on XX/XX/XXXX and confirmed that no delinquent credit marks are being reported on the account. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX  and XXXX  have a record of my existence. However, Equifax claims that they do not. I have a credit card and car loan through XXXX XXXX, yet Equifax says I do not exist. I have sent in copies of my SS Card and driver 's license via mail and fax and they have no record of ever receiving these. Most recently I faxed records on XX/XX/20. 

On XX/XX/20 XXXX XXXX  reported that they only send information to XXXX. If XXXX XXXX  could send my information to Equifax, this would presumably solve the problem. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: SC

Complaint narrative:
Every since XXXX, I have been disputing this inaccurate information with the collection agency and the creditor. This information has been deleted from XXXX and XXXX, after they have proven for it to be inaccurate. However XXXX keeps reporting this information and the Collection agency are not looking into this matter. It is now, XX/XX/XXXX, and they are still reporting this inaccurate information.AND DO NOT ATTEMPT TO ADD INACCURATE UNVERIFIED INFORMATION BACK ON MY CREDIT AS THAT IS A VIOLATION UNDER THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I sent a VALIDATION REQUEST dated XX/XX/2020 to Portfolio Recovery ( a Collection Agency ) located at XXXX XXXX XXXX. XXXX, VA. XXXX which was received by them on XX/XX/2020 according to USPS records of certified mail. This letter was a request for written validation in accordance with the provisions afforded me in THE FAIR DEBT COLLECTION PRACTICE ACT. The letter asked for documentation proving that they had the legal authority to collect from me along with proof of my legal obligation to pay and other legal notices required by law. They did not respond to me within the 30 days required by THE FAIR DEBT COLLECTION PRACTICE ACT. Because they were and still are in clear violation of the FDCPA, their unresponsive action forced me to send a final demand letter dated XX/XX/XXXX insisting that they remove any and all derogatory reports issued to XXXX, TXXXX and XXXX   credit reporting agencies. To this date XX/XX/XXXX they have not removed their derogatory reports from my credit file. I insist that they remove these negative/derogatory reports or I am left with no other choice but to file a lawsuit for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XXXX and XXXX have a record of my existence. However, XXXX   claims that they do not. I have a credit card and car loan through Chase Bank, yet XXXX says I do not exist. I have sent in copies of my SS Card and driver 's license via mail and fax and they have no record of ever receiving these. Most recently I faxed records on XX/XX/20. 

On XX/XX/20 Chase Bank reported that they only send information to XXXX. If Chase Bank could send my information to XXXX, this would presumably solve the problem. 

Thank you!

Company response to consumer: Closed with non-monetary relief