vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with American Express that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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:
EXPERIAN COMPLAINT Experian intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXX repeated requests. Second, Ms. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Ms. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Experian again went silent.

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 2018-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a payment to my Paypal account in the amount of XXXX on XX/XX/2018. Two days later, I noticed the amount was not being reflected in my balance and reached out to Paypal support for help. I have been in contact with them multiple times and have followed all of their instructions : opening a ticket with their XXXX technical support, waiting 24 hours for the fix, waiting a week for the fix, opening a second ticket with their XXXX team, etc. I even suggested ways they could fix the issue like issuing a credit to my account. 

They have now stopped responding to my enquires and have not provided the funds or any additional information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-11 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:
I had a charge-off account with XXXX  XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with TransUnion, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with XXXX. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

XXXX  is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

XXXX is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

TransUnion seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.

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 2018-10-11 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:
I had a charge-off account with BaXXXXk XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with XXXX, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with Equifax. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

XXXX is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

Equifax is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

TransUnion seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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 had a charge-off account with XXXX XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with XXXX, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with XXXX. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

Experian is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

XXXX is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

XXXX seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.

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 2018-10-11 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the collection account XXXX XXXX   XXXX XXXX is not mine.. This is not my responsibility and credit bureaus failed to verify it..This error has affected my credit score tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the collection account XXXX XXXX   XXXX XXXX is not mine.. This is not my responsibility and credit bureaus failed to verify it..This error has affected my credit score tremendously

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 2018-10-11 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the collection account XXXX XXXX XXXX XXXX is not mine.. This is not my responsibility and credit bureaus failed to verify it..This error has affected my credit score tremendously

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 2018-10-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with Wells Fargo. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Bankruptcy on my credit report not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

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 2018-10-11 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: TX

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX account for months. Experian  and XXXX reported this error.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-11 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I filed several disputes with 3 credit bureau for proof of contract and have not received any proof please remove this account from all credit bureaus due to no contract or proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: TX

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and TransUnion reported this error.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score.  CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I placed a call to American Express Card company about an inflated balance that I noticed on my card. 
I spent a long time on the phone discussing this matter, but I noticed that the customer service agents were trying to mislead me so that they can hide the true information which was that their system incorrectly inflated my balance to reflect a higher amount than should be. 

I asked them to add the sum of all the charges during the billing period, they could not amount to this, XXXX, XXXX USD balance that was shown. 
All of a sudden, the agent began to tell me that she could not hear me that the line was fading in and out. 
So I told her to give me a call back because the issue might be coming from their end. 
She said that is fine that she would call but she never did. 

Next, I called again after waiting for several minutes and the next agent began this process again, wasting my time for over an hour and still she would not help resolve this issue. She kept claiming that there is a rollover balance. I do not know how a balance rolls over without any record of charges backing it up. 

All other charges are shown and evident but a certain amount had been exfiltrated and this has doubled my balance. 

Kindly help. This card company has been so unfair to me. 
They do not extend any help to me or allow temporary increases in limit to meet an emergency. They use all forms of tactics to deny me such privileges that other people receive. 

I told one of them today that I believe that they are discriminating against me and it seems that they are retaliating because I have reported them before. Of-course, they deny it but I sense it in the way they interact with me on the Gold Rewards card team. 

At this time, I wish to report that this company needs to provide evidence to me how the money left my account. 

Secondly, there is a change to the Gold Card which I have, the card is being redesigned, that is fine, but the problem is that it appears that I would have to start paying 3 times the current annual fees from next XXXX! 
I can not do that and I do not want them to be able to do that. 
When I got my card, I was told I have to pay a lower amount in annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I filed several disputes with 3 credit bureau for proof of contract and have not received any proof please remove this account from all credit bureaus due to no contract or proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In XXXX we fell behind two payments due to personal reasons, once you get behind for more than 60 days they would only accept all amount due in order to continue with regular payments. They offered us a " Mortgage Reset " program, we would pay 3 payments over 3 months anytime during those months and after the third payment any past due amount would be tacked on to the back of the loan. 
We paid our first 2 payments XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX we were affected by hurricane Irma in Florida and had to purchase fuel, food and supplies in order to prepare. I called Mr Cooper and asked if there was any exceptions for hurricane victims and they said it would be ok to skip XXXX and resume XXXX and XX/XX/XXXX would be the date the past due payments would be placed on the back of the loan. 
When we tried paying again in XXXX the system would not take our payment so I called to have them do it over the phone. When they tried it would only accept a double payment but we did not have that much so they said we defaulted on the reset agreement. 
I called to get help from HUD and they said they would re-apply for the mortgage reset, after calling for 4-6 months being told it was still being processed each time I called they in XX/XX/XXXX they said it was approved and waiting on booking. In XXXX of XXXX they advised the Mortgage Reset is no longer a program they do so we would have to pay the total due over $ 12K which we did not have. 
We are a family of XXXX and have lived here for over 10 years now and they filed for foreclosure and are not interested in a modification since we had to do one 5 years ago do to a loss of job. 
We want to stay in our home. Please help us.

Company response to consumer: Closed with explanation