vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Attempting to file a complaint with Experian once again regarding a XXXX credit card they keep reporting a late payment on. The credit card has been in charge off status - it is past the legal time line for the company to attempt to collect what is owed, and that has been cleared up with XXXX. You have those documents between me & XXXX regarding them not coming after me for the debt. However, Experian is the only credit reporting agency that keeps reporting it as a late payment. XXXX  has taken it off my report since they are no longer coming after me for the debt. XXXX doesnt even keep showing late payment. Its time for Experian to quit reporting it as a late payment making my credit report suffer. They need to go back ever since they investigated this last year and remove any reported late payments and quit labeling any others as late payments since they are not. Experian refuses to accept another complaint on this card because, It has already investigated once, and they are not obligated to investigate again. I dont need them to investigate the credit card company, just their own credit reporting actions and the negative impact it has on the consumer when in fact their is no late payment and the account has been charged off.

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 2019-07-29 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/XXXX I have 2 hard inquiry hits on the same date from the same company. 

Company showing as : XXXX XXXX XXXX SD XXXX XXXX There showed only be one on that date and not 2. So this is impacting me and I never knew this whole time. 

Also, for : Company : Brclysbankde XXXX DE XXXX XXXX There is a hard hit on two dates : XX/XX/XXXXXXXX  XXXX  XXXX XXXX I was wondering how I can get these dropped off or at least one in good will and a good faith courtesy by chance? 

And also there is 2 for XXXX XXXX on : XXXX XXXX XXXX XXXX, CO XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Both 1 day apart for some reason. And is there anyway that one of these can be dropped as there's 2 for some reason within 24 hours apart that is also impacting me. 

I am trying to better my credit and I didn't ever look at my hard inquires. Everything on my credit is correct. But I don't find it fair to have this XXXX to have done 2 hard credit checks on the same day XX/XX/XXXX. 

And for some reason XXXX XXXX has 2 one day apart from each other. 

I am requesting this to be taken into consideration along with the Barclay if they can do anything in good faith and in good intentions.

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 2019-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/19 a cash transfer of {$250.00} was sent from my debit card account name XXXX XXXX to an unknown person XXXX XXXX name shown is XXXX XXXX though cash app. Once I saw the transaction, I called the bank to stop it and they said because it was pending they can not do anything until it actually posts. So on XX/XX/19 my Girl friend went under my cash app and canceled the transaction which still said pending on cash app it gave me a transaction number. Someone informed me that cash app would refund the money to me within XXXX days it actually says it on its app. Here we are on XX/XX/19 and I have still not gotten my money back from cash app. I have had to cancel my debit card on XX/XX/19 so that this can never happen again. there is no email to contact cash app on, no telephone number all it gives you is a customer support link which send you a pin number that takes you no where on their app. I refuse to lose {$250.00} when I followed the instructions to cancel the transaction. The money was never accepted thank XXXX so I was able to cancel it but now we are at day 9 with no refund in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
For the record ... Due to a hardship years ago I fell behind my mortgage by 2 months. It remained that way for years. My town taxes went up by {$47.00} Without my knowledge. Which caused my payment to go up. I didn't know it and sent in the normal payment which 2 weeks later was returned to me as a non full payment and a letter stating I'm now 3 months behind and they want to foreclose. Instead of asking me for the extra {$47.00}. Not to mention a week prior they also returned {$150.00} to me from escrow from previous overpayments to them. 

I've offered many times over the years to bring my mortgage to date if they would remove the ridiculous late payment fees from years ago. 

Every time they tell me No they won't and I'd have to redo an entire 30 year modified mortgage with them to do so. 

The lender, Navy federal credit union, has since put all payments into a suspense account. 

Now I've told them for years before this that I would bring the mortgage current if they worked with me to wave some or all of the mounting late fees. I've explained in full detail many times what the hardship I had was and that I am a XXXX XXXX XXXX veteran XXXX campaigns. The very people they claim to go out of their way for. 
They caused this situation and need to fix this situation, with my help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
USAA who I have been with since 2016 reduced my limit from XXXX to XXXX. After I paid off the remaining balance. After an extensive conversation they said it was due to late payments which is impossible since payments were direct drafted. Essentially after further discussion it was because I had paid the card off. Thus reducing my available credit by XXXX. This will drastically affect my purchasing power thus lowering my credit limit harshly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I received a call Tuesday XX/XX/XXXX at XXXX MST from a gentleman attempting to reach me at a prior address. XX/XX/XXXX at XXXX MST : I received a call from the same gentleman who stated he is calling from XXXX County to serve me at the prior address for litigation to process. He intends to serve me documents and cant disclose why or where there are from. He said to call XXXX to review the details. I was given a Case # XXXX. I contacted the XXXX and spoke to a XXXX XXXX at extension XXXX who was a " Manager in Legal. '' XXXX stated that I am being sued for a prior account that I had in XXXX and that if I don't pay it I will be garnished 25 % of my wages. I was also offered a lump sum payment of {$1300.00} or pay half now and pay the second half in 30 days. Any payments would need to be mailed via certified funds. XXXX XXXX stated they are located in California however he would not provide an address. This individual has all information listed under the credit report listing for this prior account, which should never have happened. My mother has also reported to me that the original gentleman blocked his number and called her asking for me. I contacted the original creditor and they stated that they have had a few other customers call in reporting that they are also receiving complaints for such calls. The original creditor confirmed they still have my account in house and that these calls are fraudulent. This means they also have my families contact information. I feel that this has put me and my family at risk and in danger.

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 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB.

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo refuses to give credit for payments on 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 2019-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
Penny Mac bought my loan last XX/XX/XXXX, this XX/XX/XXXX they raised my escrow payment from {$300.00} to {$380.00}. my taxes went up around {$40.00} and insurance {$30.00}. all together {$70.00} does not meant i should have to pay Penny Mac an extra {$70.00} a month. At this point it is taking 3 of  my 4 checks to pay my house payment. I do not understand how this is legal to ask for a lot more money than my actual taxes and insurance are. Also I have to pay a mortgage insurance I do not understand why. please help more or send me to someone that can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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:
XXXX XXXX reports that I have two credit cards attached to my name as far as both Equifax and XXXX are concerned, but the credit cards are in names that are not now, nor have they ever been, mine. 

I was able to file a dispute with XXXX  via XXXX XXXX, but Equifax can't confirm that I'm me and so can't discuss my account with me. 

I can not determine within whose records the error occur and none of these agencies seem even remotely interested in addressing the information. 

Additonally, multiple addresses of relatives appear as mine and the last employment history they have for me is 20 years old. 

These are the gross errors I am able to identify and can only imagine what other mistakes exist in my " file. '' My complaint is that Equifax has been, is, and continues to mismanage my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I have provided Chase numerous pieces of documentation to support the claim we vacated the cruise took a plane because our room was double booked. I disputed the matter with Chase because fraud charges were made before and after boarding the cruise. I attempted to dispute the charges, the merchant is alleging services were rendered however services were NOT rendered because we left. I am asking for the charges to be disputed as fraud and returned back to the merchant. Chase has been not helpful in this process nor has XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29 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: DISCOVER BANK
State: MA

Complaint narrative:
Hello, I bought items from XXXX in early XXXX totaling {$6100.00}. Due to a system error on their part, they were not able to verify my identity and closed my account for security reasons. They canceled several of my orders and blocked me from the account. I called the merchant and my bank noting I did not receive all my items mid to late XXXX, yet was charged anyways. The bank filed a fraud report, instead of a dispute billing, due to a miscommunication. After the fraud report failed, it was learned it needed to be disputed, however because the case was closed, they needed more details. I have worked with XXXX from XXXX several times, including a 3-way call, to get this resolved. Because the account was blocked, XXXX ( manager at XXXX ) can not research, refund, or start a return process. The bank keeps denying to open the case again, requesting more details. Following what they requested, they still deny asking for more, even though there has been 2 emails matching what they requested and a 3-way call with XXXX. Because XXXX can not get into my account, they can not proceed a refund from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc.
State: CA

Complaint narrative:
Everest Receivable Services contacted me 2 weeks ago via telephone. The agent demanded I confirm my social security number and address. I asked for the company name and nature of the business. The agent refused to give me information and then threatened that a criminal complaint had been files and a warrant was issued for my arrest and that he had been retained to serve me with paperwork at my place of employment. I asked the agent to not contact me and that if the complaint is real to contact me in writing. Now agents have called me at work repeatedly and left messages threatening to contact my employer/payroll and they have contacted family members stating that have a criminal complaint against me and need to know my whereabouts and to ask me questions. My family members have asked for the calls to stop. Agents continue to contact them several times a day. Agents call my cell phone and work number repeatedly in 5 minute intervals.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: GA

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE PROPER DOCUMENTS TO BLOCK THE INFORMATION ON MY FTC REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery keeps calling me even though I have sent written notice for them to never call me. They don't tell me who they are, just saying it's a " personal matter. '' They have not sent me substantiation, either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE PROPER DOCUMENTS TO BLOCK THE INFORMATION ON MY FTC REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: GA

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE PROPER DOCUMENTS TO BLOCK THE INFORMATION ON MY FTC REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
- Letter dated XX/XX/2019 requesting Validation of Debt sent to LVNV - Response letter dated XX/XX/2019 with an account summary as Validation of Debt. 
- Response letter dated XX/XX/2019 with an account as Validation of Debt - Another letter dated XX/XX/2019 requesting Validation of Debt not an account summary. 
- NO RESPONSE FROM LVNV

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: MO

Complaint narrative:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have already the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX however, Equifax has not removed this from my report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
To whom it may concern : I have a mortgage on my second home and I was reported to be 30 day late. I was in process of refinancing and moving to my second home so I made checks and mailed the checks from my primary home before I left. The mortgage company did not get my XXXX and XXXX check. I was given a notice on XXXX and this was the first time I got a notice that I recieved. This threw my credit off. I have enough funds that I can pay the entire balance off. It is very frustrating having to deal with this when I am always working to make my payments and everything within the timeframe needed to be paid. I expect a resolution of this situation as soon as possible. 


- 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 2019-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
Contacted both the provider and collection agency many times sent copy of cancelled check to both still showing up on my report 1 1/2 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: HI

Complaint narrative:
Transunion is reporting incorrectly on the XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account does not belong to me and I do not have a mortgage loan. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.

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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
At the urging of bank and sheriff, i put an id security alert on my 3 credit reports XXXX.That problem has solved itself, after Irma hardship , I need a loan and asked that they be lifted and taken off report, Both XXXX and XXXX did so with security questions a month ago, in 1 minutes time. Experian asked for documents in mail which i hate to send, but did .They wrote back stating not enough, called them asked for security questions, said i failed not true all correct, asked to upload license would not take, blocked me re sent all material to them in mail water bil, license very uncomfortable doing this -will not take off report : when i call they get very testy and frankly harassing .please expedite after 1 month taking off id security alert.I now have 5 hrs online time, filed 3reports and expense over and over ridiculous, I'm XXXX and loan turned down, this is listed as reason?? id security alert on Experian..They are so unpleasant to me, stating again will not accept what i send - resent - answered questions I'm positive were correct ( they have incorrect or something ) but most of all the lack of professionalism- '' You better not be recording this shouted '' please help..I believe nothing they are saying ..nothing thank you XXXX XXXX   XXXX, XX/XX/XXXX last 4- 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 non-monetary relief