vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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: VA

Complaint narrative:
I was refinancing and told my credit rating was lower than I thought. I requested the free credit report from Experian I believe. Of the many entries on my report there was one that stated severe delinquency. I asked about it and was told it was for missing one month  payment on a Parent Plus loan for my son. 
I just looked at my credit score with XXXX XXXX and it showed my credit score declining by 10 points in one month. The reason : severe delinquency. 
I think this is a crime to miss one payment on a student loan from 3 or 4 years ago and the credit agency is allowed to report that as a severe delinquency, especially after just paying off a number of credit cards, refinancing our mortgage and an increase in salary.

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 2020-04-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have unauthorized inquiries on my credit report. I did not authorize any of those inquiries.

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 2020-04-04 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: PA

Complaint narrative:
XXXX  XXXX  has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX  is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.

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 2020-04-04 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: PA

Complaint narrative:
XXXX  XXXX has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX   is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX BBVA USA/Compass Bank credit card # XXXX This is response to BBVA 's response : XXXX My payment was postmarked on XX/XX/XXXX ; payment due XX/XX/XXXX ; payment was posted on XX/XX/XXXX, they stated they received the payment on XX/XX/XXXX *** BBVA stated payment must be received by the due day ... .and suggested cardholder pay EARLIER in order the payment can be received by the due day ... 
*** What happened if the payment LOST in the mail even payment was sent out EARLIER enough? Is it card holder 's responsibility? What happened if BBVA did not post the payment on time ( on purpose? ) even they received the payment on time? Of course, is it cardholder 's responsibility? 
*** Is this BBVA 's revenue creating tool? 

We are all paying tax to IRS, due day XXXX, on the XXXX, you see a lot of tax payers stayed in line to send out the tax through USPS facilities, they are getting a USPS postmarked receipt. IRS, of course will not receive the tax payment ON THE DUE DAY, XXXX, even the payment LOST in the mail, IRS will not consider tax payer was late in the tax payment because tax payers have USPS postmarked receipt! 

I am a retired company XXXX, XXXX or XXXX XXXX. 

BBVA, please make the profits the way people respected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I contacted TransUnion on XX/XX/XXXX concerning an inaccuracy in their credit report file. While no other credit reporting company ( XXXX, nor XXXX  ) reports any negative information concerning my account ( a VISA card with XXXX XXXX XXXX # XXXX ), TransUnion does. 
I received a response to a dispute report I submitted XX/XX/XXXX from TransUnion dated XX/XX/XXXX that stated : " XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX , IN XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. '' It is my understanding that a credit report can not report negative information on an account after .... '' 7 years from the date the account was charged off or for 7 and a half years from the date the first delinquency occurred. '' I have previously verified with XXXX XXXX XXXX that my account was first reported to credit reporting agencies prior to XXXX, XXXX, a date more than " 7 and a half years '' prior to XXXX, XXXX. 
It is also my understanding that " under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty is {$3700.00}. '' As I included all of the pertinent information contained herein to TransUnion in my dispute notice, and TransUnion reports XXXX XXXX " verified '' the challenged statements as " accurate, '' both parties have violated their Fair Credit Reporting Act obligations. 

I respectfully request that TransUnion and XXXX XXXX XXXX, both be assessed penalties of {$3700.00}. I also request that TransUnion and XXXX XXXX XXXX be directed to correct their reported information, specifically that no negative information be reported by them concerning my closed Visa account # XXXX. 

I will be forwarding a copy of this communication to XXXX XXXX XXXX. 

Sincerely, XXXX 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 2020-04-04 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: PA

Complaint narrative:
XXXX XXXX is reporting 4 late payments on my credit report. I was never late. When I contacted XXXX XXXX I was told that it was a mistake with their company. The only way to fix it was to submit a dispute with all 3 credit bureaus. Each time I submitted a dispute with all 3 bureaus, it comes back as verified as correct information. However, when I spoke with XXXX XXXX, the company stopped reporting my payments late, however, they have not removed the late payments after I sent the dispute to the credit bureaus

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 2020-04-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have unauthorized inquiries on my credit report. I did not authorize any of those inquiries.

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 2020-04-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have unauthorized inquiries on my credit report. I did not authorize any of those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendUp Loans LLC
State: TX

Complaint narrative:
I paid my debt back to Lendup this past XX/XX/2020. 
Since my debt is paid off I asked for this company to close or delete my account off my credit reports. They refused to do so because of lawsuit or settlement issues in the state of California and the other states in United States. 

My paid in full loan # XXXX My request for deletion of account # XXXX verification code XXXX. 

I have also submitted a letter to all 3 credit reporting bureaus and this action has not been completed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
Before signing the loan documents with XXXX XXXX XXXX  , XXXX License # : XXXX, Owner XXXX XXXX , I contacted Superior Loan Servicing representative named Ms. XXXX who clarified my questions ; Manager is XXXX XXXX . Among the questions Ms. XXXX clarified ( see notes on Loan Terms ), I asked about the Default Interest of 17.50 %. She made it clear that that interest charge would only be due if a legal Notice of Default is filed. 

Upon closing, they padded the final seller 's statement. In addition to th

e Interest of {$2800.00}, that added another interest line item for an inflated amount of {$15000.00} ; equivalent to 17.50 %. This doubles the amount that is due at closing. They misrepresented this charge as regular interest when it was the value of the Default Interest. I was never in default, nor did I ever receive a notice of default, nor was a legal Notice of Default ever filed. When I asked about this payment, they said it was default interest, but I never received a
default notice and the itemized line item does not specify exactly what the charge is for. I only received multiple harassing phone calls and emails from both the servicer at Superior Loan Servicing and the mortgage loan originator XXXX XXXX stating that I was in default when I was not. 

I was under duress because XXXX XXXX and the Servicer constantly called me, threatening that they will take my house in foreclosure. He sent emails that presented coercive terms where he had investors who would pay off the loan I owed him, but that they would take the house. He just kept saying otherwise sue him, but I couldn't afford the attorney. 

I told them that their contract requires a notice of default which I never received because I was not in default. Plus, both the mortgage loan originator and the servicer knew I was waiting for my investor to buy the house and that the short-term private mortgage was needed until I found an investor to help me renovate. Which happened without being in default. I did pay agreed-upon late payments, but I was never in default. Therefor

e, the Originator, by harassing me and claiming I was in default was in breach of contract. I sent several certified letters to the Originator. One he responded to, the other he completely ignored. The Servicer also received certified letters but  pointed the finger at the originator. However, it is the servicer that reported the accounting to the XXXX Title Company 's Final Seller 's Statement, and therefore, responsible for the illegal padding. 

This was my family home, and after the tenants destroyed it and after the squatter recked it ( police used guns to get them out ), I had no choice but to figure out how to renovate it and bring it to market value.

If you review the contract, this interest amount is fraudulent and at best, I would consider it padding.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Due to COVID-19, Im off work temporarily and unable to pay my mortgage. Upon contacting Freedom Mortgage several times, Im being told my only option is a 3 month forebearance plan with full payment due at the end the 3 months ; additionally they are requesting verification and documentation of income and expenses. This is completely not in compliance with the recent legislation passed to protect homeowners at this time. Upon questioning the plans available under CARES act legislation, I was told I would have to contact and apply directly with the FHA for any such assistance - Again completely inaccurate and not compliant information. Freedom Mortgage should not be allowed to operate in this matter as they are providing complete inaccurate information and attempting to benefit financially from customers affected by this global pandemic.

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 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft. 
On XX/XX/XXXX someone fraudulently used my Barclays XXXX XXXX credit card to purchase an item from XXXX, in the amount of {$1400.00}. BARCLAYS did not tag this as fraud. 
XX/XX/XXXX I first became aware of this purchase when Barclay contacted me regarding a charge of {$.00} on my account which I told them was fraud. At that time we reviewed all other charges on my account and that is when I became aware of the fraudulent charge from XXXX  of {$1400.00}. At that time BARCLAYS removed the charge on my account and marked it as fraud. 
I DID NOT PURCHASE THIS ITEM AND I DID NOT RECEIVE THIS ITEM. 
XX/XX/XXXX BARCLAY called me and told me the merchant, XXXX provided them evidence that I had made the purchase and that I signed for it when it was picked up from XXXX on XX/XX/XXXX. 
BARCLAY put the charge back on my credit card. 
I contacted XXXX and received a copy of their Invoice which has my name, address, phone number and email. Whoever purchased the item had it shipped to my HOME. XXXX attempted to deliver it on XX/XX/XXXX however it required a signature and there was no one home. on XX/XX/XXXX the package was picked up from XXXX XXXX, CA location and signed by XXXX XXXX. I WAS UNAWARE OF THE ATTEMPTED DELIVERY AND DID NOT GIVE XXXX XXXX PERMISSION TO PICK UP THE ITEM. I DID NOT ORDER THIS ITEM OR RECEIVE THIS ITEM. 
I WAS OUT OF TOWN IN FLORIDA FROM XX/XX/XXXX - XX/XX/XXXX. I WAS UNAWARE THAT XXXX ATTEMPTED A DELIVERY. 
I have provided BARCLAYS documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am a victim of identity theft and that I was out of town when XXXX attempted to deliver the item and when it was picked up. I have reported this to the Police, Federal Trade Commission and filed a claim with XXXX. BARCLAY is still refusing to remove this charge from my credit card. The last time I spoke with them they told me that I have a daughter, XXXX XXXX, who resides with me, and XXXX picked up the item. I have provided documentation to BARCLAYS that my daughter has not lived with me for many years and that she was in Florida with me while XXXX attempted to deliver the item and was picked up at XXXX. XXXX is unable to provide me a copy of the ID XXXX presented when it was picked up and unable to provide me a copy of the signature when it was picked up. XXXX refuses to issue a credit for this charge and has told me I must work this out with BARCLAYS 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 2020-04-04 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: PA

Complaint narrative:
XXXX XXXX is reporting 4 late payments on my credit report. I was never late. When I contacted XXXX XXXX I was told that it was a mistake with their company. The only way to fix it was to submit a dispute with all 3 credit bureaus. Each time I submitted a dispute with all 3 bureaus, it comes back as verified as correct information. However, when I spoke with XXXX XXXX, the company stopped reporting my payments late, however, they have not removed the late payments after I sent the dispute to the credit bureaus

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 2020-04-04 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: PA

Complaint narrative:
XXXX XXXX is reporting XXXX late payments on my credit report. I was never late. When I contacted XXXX XXXX I was told that it was a mistake with their company. The only way to fix it was to submit a dispute with all 3 credit bureaus. Each time I submitted a dispute with all 3 bureaus, it comes back as verified as correct information. However, when I spoke with XXXX XXXX, the company stopped reporting my payments late, however, they have not removed the late payments after I sent the dispute to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: SC

Complaint narrative:
Called XXXX  ( XXXX  ) ( Equifax ) on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was COMPLETELY SHOCKED after viewing from credit report. This particular agent was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and praying that i'd get that same helpful agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution. With people living outside the USA handling my personal info, im not surprised at all at the level of fraudulent activity on my credit report. Im hoping for a resolution immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: SC

Complaint narrative:
Called XXXX  ( Transunion ) ( XXXX  ) on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was COMPLETELY SHOCKED after viewing from credit report. This particular agent was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and praying that i'd get that same helpful agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution. With people living outside the USA handling my personal info, im not surprised at all at the level of fraudulent activity on my credit report. Im hoping for a resolution immediately.

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 2020-04-04 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: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX   XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry date : XXXX XXXX, XXXX XXXX : Inquiry date : XXXX 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