vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 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: TX

Complaint narrative:
On XX/XX/2019, I wrote a letter to Experian disputing information on my credit report. This is a letter that I sent to them. The item : Chapter XXXX US Bankruptcy Court, XXXX XXXX, TX, Reference # XXXX which I am disputing was not verified properly. On XX/XX/2019, I visited the United States Bankruptcy Court XXXX District of Texas, XXXX XXXX Division and met with clerk XXXX who reported that his office was never contacted by Experian or any of there representatives. The resulted information that Experian provided to me also had an incorrect address. The address provided by Experian was XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, TX XXXX. On XX/XX/XXXX, I received a letter from Experian stating that the information that is on my credit report is correct and that they will not change it. They told me that it was reported to them by XXXX XXXX and I attempted to contact them at XXXX with no luck.

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 2019-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019 We reached out to a Mr. XXXX XXXX XXXX. VP Real Estate Lending at Citibank , N.A . NMLS Identifier : XXXX referred by Realtor Ms. XXXX XXXX. XXXX XXXX  XXXX. 

We made application through an online portal for Citibank XX/XX/2019. 

That is when Mr. XXXX XXXX XXXX stopped communication and as we followed-up we were told that a loan was not possible and stalled the supposed deal at XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX, IL XXXX. After we put money down {$2500.00}, home inspection {$330.00} and were getting no response from him or his assistant. The more we met the purchase criteria suddenly obstacles were placed in our way. 

The building he was supposed to know and had done business before had the other realtors pretending the building was no VA approved. But with a little research my wife and I were able to obtain that it was without any restrictions. We kept calling and e-mailing Citibank to no avail. Dead Silenced to pressed and could not get past underwriter but ask him what work he done tried to deflect by insisting it was our credit. 

Every time we tried to find a remedy and a solution he was nowhere to be found or did he provide guidance. We are requesting an investigation per Home Mortgage Disclosure Act and the practices of Consumer Financial Protection Bureau ( CFPB ) since we believe Mr. XXXX XXXX XXXX. VP Real Estate Lending at Citibank , N.A . NMLS Identifier : XXXX has not followed the Law and was discriminatory to us. No formal closure. 

We are asking for an investigation for a Notice of Error, Request for Information and a Qualified Written Request to answer our Questions into how Mr. XXXX XXXX XXXX, Home Lending Officer, according to XXXX website handled our loan. Mr. XXXX finally responded with a short e-mail XX/XX/2019 after countless times reaching out to him and Citibank.

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 2019-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold a large amount of art work which I have accumulated over the past 30 years. XXXX requires that I use Paypal for receiving money and the buyer deposited the money on XX/XX/XXXX. I have been trying to get the funds deposited to my Federal Credit Union since that date and Paypal is holding the money. I have sent all the requested documentation, was told the money would be released in 12 hours, and have just received an e-mail that the account in again on hold for the same reason as two weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$160.00} -This is not my account.

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 2019-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Tonight I called XXXX XXXX dispute department requesting for Hard inquires to be remove from my transunion credit report, they have no information on file about me, was very rude telling me to contact transunion which I already did. no permissible purpose and unauthorized. 
here 's my credit inquires from XXXX XXXX/XXXX  Inquiry from XX/XX/2018 XXXX/XXXX  Inquiry from XX/XX/2018 here is there dispute info XXXX/XXXX   XXXX XXXX, SD 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 2019-12-12 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:
THIS COMPLAINT IS " MAKING A RECORD '' FOR THE CALIFORNIA COURTS WHERE I WILL BE SHORTLY SEEKING RELIEF. 
EQUIFAX DISPLAYS A SEVERELY DEFAULTED SCHOOL LOAN THAT WAS NEVER MINE IN SPITE OF 20 DISPUTES.LOOK AT THE LIST OF CFPB COMPLAINTS ATTACHED.EACH TIME I NAMED THE DEPT OF EDUCATION THE CFPB SAID TO CONTACT THEM.THEY ARE INCOMPETENT.THEY AUTO VERIFY A LOAN THAT'S NOT MINE AND THEY IGNORE THE FTC ID THEFT PKG SENT TO THEM. 
EQUIFAX THINKS THIS IS FUN AND GAMES UNTIL THEY ARE SERVED FOR NEGLIGENT CREDIT REPORTING.THIS COMPLAINT IS MEANT FOR OUR JUDGE TO READ. 
EQUIFAX NEEDS TO OBEY THE FCRA AND SUPPRESS DEPT OF ED ACCT XXXX.I WILL BE SEEKING THE DOWN PAYMENT OF THE NEW HOME I INTEND TO BUY AS AN APPROPRIATE AMOUNT OF DAMAGES FROM EQUIFAX. 
DEPT OF ED IS IMMUNE ... THAT'S WHY THEY DO NOT HANDLE THE 500000 REQUESTS PER MONTH FOR CREDIT CORRECTION THAT THEY RECEIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$160.00} -This is not my account.

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 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: VT

Complaint narrative:
I own the house. But the defaulted mortgage is in my ex-wife 's name and I am not the borrower, but my ex-wife is not on the Title. I am asking the bank to mortgage the property to me at a fair market value and with a loan that is affordable to me. They ( Selene Finance ) continue to claim the property is worth much more than the market says it is worth. They did not respond to me asking for loan modification. And they started foreclosure. The total amount due is ridiculously inflated ( after 9 years of paying the mortgage my exwife had to have paid some of it off, so how can it now be 30 % + greater, how can they claim now that I owe more than the house was originally priced in 2005 close to the peak, and almost 50 % more than it is currently worth ). This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I have paid my mortgage on time. The servicer SLS has refused to accept proof of payment. I have mailed proof of payment through the postmaster and also spent hours on hold to get a fax number ( as they do not accept emailed copies of proof of payment ) I am in the middle of refinancing another loan into my name. They have now reported me 30 days late and this is affecting my credit score. It appears I have little recourse to the large banking institutions and I have no where to turn. I hope you can assist in resolving this matter. The lock rate fee is escalating on the refinance.

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 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
PayPal unexpectedly closed my credit account without notification. Several months later, they reinstated my account without notification. They claim to have sent written notice to an address I have not resided in 4 years. Note, I have always done handled all of my transactions with PayPal electronically. After they reinstated my account without informing me, they began charging me excessive late fees and reporting late payments to the Credit Bureau. My current balance is entirely due to late fees, which I refuse to pay.

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 2019-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for a XXXX XXXX card recently by telephone and got disconnected during part of the application process where they play an automated disclosure. I called and spoke to a representative 3 times and each time got disconnected during this automated disclosure process. Little did I know that each time I called back to resume where I left off that they started a new application for me and it caused me to get denied. I am requesting that this company escalate this matter as each time I call and go through the process I get disconnected. The website also does not work to apply. Kindly I am asking for a second look at my application and some real assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-12-12 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: WI

Complaint narrative:
American Express lowered the credit limit on your account to {$5000.00} from {$6000.00}. The new cash advance limit is {$200.00} which was higher. I have been an excellent customer since XX/XX/XXXX-XX/XX/XXXX. In the entire time, I have been a customer, I have never grossly missed a payment. I should not be punished for my credit activity when there is no reason to lower my limit. Matter of fact, I have a perfect payment record across ALL my debts and loans since XX/XX/XXXX. I have never missed a credit card, car, mortgage, personal loan and student loan since XX/XX/XXXX!!! I completely paid off 3 car loans and over 40K in students since XX/XX/XXXX. I believe having my credit limit lowered was made in discrimination without considering my entire credit profile. Like I have said, I have never missed a payment since XX/XX/XXXX, NEVER! Lowering my credit actually hurts me more by increasing my debt to income ratio, this is not giving me great customer service!!! When I called to get an answer regarding this issue, I wasn't given a sufficient answer. I was told to refer to my credit report. I want this fixed as a customer who has earned the credit I have worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-12-12 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: Conn's, Inc.
State: TX

Complaint narrative:
Around XX/XX/2019 give or taake a few days I went to Conns home plus in XXXX XXXX Texas which is identified as Conns store # XXXX I purchase a XXXX OLED Tv and put it on a Conns loan for the amount of {$3100.00} and the next day went back and asked to buy a XXXX vacuum cleaner. They said that would be great and to keep me from having two desperate loans they would do a loan re write ( meaning take the original tv loan and add the vacuum to it ) making it one loan and one bill. I was told at the time the original loan ending in XXXX would be cleared out and the new loan XXXX would have both purchased items on it. I noticed the following month I was getting collection calls in the original loan cause I paid my loan XXXX on time which I have never missed a payment ever. I called them and they said the old loan number I still owed {$100.00} I went to the store and spoke to a manager and he agreed that wasnt correct and the system made a mistake and a ticket would be filed to correct this. Two weeks later still received calls and now collections emails. I emailed Conns customer service, collections and the store of the issues and they all promised me that this would be handled once again and not to worry. 30 days later again the collection calls happened. I explained the story again and again they said it would be taken care of. I called the sotre and asked to speak to another manager and he said he would handled it. This same process has repeated itself for four months straight in which I have over 30 emails with different people telling me it was handled and not to worry. I asked would about my credit report? Would this not be reported as delinquent since its not my loan and Ive made timely payments each month in the correct one. They said dont worry it wouldnt be. 10 days ago once again collections .... I be livid to say the least. She said she would escalate this and again not to worry. I have lost all faith at this point and today I get a credit alert stating I now have a 30 and 60 day late reported from Conns. How is this even legal? My credit is good and important to me and never pay anyone late but now its ruined. I need help with this. I shouldnt be responsible for this companies screw ups. I have no choice but to seek legal advice to file civil charges against this company. This has been the worst experience Ive ever had with a big company. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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: WA

Complaint narrative:
1. My credit report shows incorrect records on my credit account. My credit account is pulling in credit and account information from my brother 's account. He has a completely different name, birthday, and obviously SSN as me. This ranges from everything from a mortgage to open credit card accounts. This problem exists for TransUnion and XXXX.

I have disputed these items with the company. Company has rerouted me to multiple channels but I am getting conflicting information, inconsistent next steps, and unknown timelines. I have been routed to multiple tiers of CSR agents, all with no control over the process - even though it is obvious that the records that are being pulled in are not mine. They are requesting the customer jump through multiple hoops in order to " prove '' that the information the companies have dictated incorrectly is incorrect.

2. My name is incorrectly shown in some cases. First name is being listed as middle name. This is further a problem because I am rejected from even basic items such as opening an account for the company, and I am locked in a loop.

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 2019-12-12 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: WA

Complaint narrative:
1. My credit report shows incorrect records on my credit account. My credit account is pulling in credit and account information from my brother 's account. He has a completely different name, birthday, and obviously SSN as me. This ranges from everything from a mortgage to open credit card accounts. This problem exists for XXXX  and Equifax. 

I have disputed these items with the company. Company has rerouted me to multiple channels but I am getting conflicting information, inconsistent next steps, and unknown timelines. I have been routed to multiple tiers of CSR agents, all with no control over the process - even though it is obvious that the records that are being pulled in are not mine. They are requesting the customer jump through multiple hoops in order to " prove '' that the information the companies have dictated incorrectly is incorrect.

2. My name is incorrectly shown in some cases. First name is being listed as middle name. This is further a problem because I am rejected from even basic items such as opening an account for the company, and I am locked in a loop.

Company response to consumer: Closed with explanation