vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 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: NC

Complaint narrative:
MY WALLET WAS STOLEN AND SO WAS MY IDENTITY.

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 2020-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I XXXX  my XXXX  in XX/XX/XXXX u just had a baby I contacted credit acceptance to apologize because I was going broke and soon to be homeless. But I would do my best to pay something ASAP. XX/XX/XXXX car was repossessed and I paid in XXXX for it to be returned to me. I was given small jobs here and there with making just enough to eat and get toiletries and then Coronavirus came and the world changed even more dramatically. Kids cant go out in public and I cant find work safe enough to not potentially bring home the virus. I still cant find consistency with employment safe enough to be around my kids. So Im waiting for fraud to be Lifted off my case so that I may be able to pay my back due payments and keep my car which may be my only home soon if the economy doesnt change and some kind of money doesnt come flowing through I am trying my best I do need the vehicle to continue to try so I just need a little help

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 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/2020, I purchased merchandise at a TJ Maxx Store in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a TJX Rewards Platinum Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX, XXXX  and  XXXX  that Synchrony Bank had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted Synchrony Bank to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry.  They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with Synchrony. Additionally, I contacted the Manager of the TJ Maxx and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from Synchrony and XXXX  this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.

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 2020-09-21 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: CA

Complaint narrative:
I called XXXX in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted XXXX l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.

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 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted XXXX l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CA

Complaint narrative:
I called XXXX in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted XXXX l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.

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 2020-09-21 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: NC

Complaint narrative:
MY WALLET WAS STOLEN AND SO WAS MY IDENTITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
The company is attempting to collect a debt for {$70.00} dollars for XXXX the collection company is TRANSWORLD SYSTEMS but XXXX has no history of charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: RI

Complaint narrative:
Chime stole all my money and closed my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: LA

Complaint narrative:
I SENT A LETTER OFF ON XX/XX/20220 TO XXXX XXXX XXXX WITH A ALLEGED BALANCE OF XXXX $ THAT I DO NOT OWE, AND ITS HAS PASS THE 30 DAYS ALLOWED BY LAW TO RESPOND.ON TRANSUNION, IT HASN'T NOT BEEN ACKNOWLEDGED '' MARKED AS DISPUTED BY CONSUMER '' THEREFORE IT IS A VIOLATION AND NEEDS TO BE DELETED BEFORE I CONSULT WITH AND ATTORNEY IN THIS MATTER.

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 2020-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I wired the sum of {$73000.00} to Bank of America, NA to pay off the HELOC loan for their customers. That payoff included a figure for recording of a discharge the HELOC at the local County Registry of Deeds. By law, Bank of America had 45 days from that date to record the discharge ( that means the discharge should have been recorded by XX/XX/XXXX ). Today, XX/XX/XXXX I checked with the Registry of Deeds and the Discharge still has not been recorded. It is now 52 days since Bank of America received the payoff funds and agreed to record the discharge of the HELOC at the local County Registry of Deeds. I called the Bank of America XXXX number and after waiting nearly one-half hour, I was told by the representative that the loan had in fact been paid in full and that the account had been closed out, but they could not discuss the issue of a discharge with me without written consent from the customer to me. This is obviously just a delaying tactic ; if the account has been paid in full and closed out, then the customer is no longer their customer. When I presented this logic to the representative, she repeatedly stated that I needed the customer authorization to talk to them about recording the discharge which they are required to do by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have made a purchase through PayPal credit on XX/XX/XXXXfor {$390.00} and then changed my mind and cancelled the order ( there is no any fee involved ). Since I did not get any confirmation from the seller about the cancellations, I disputed this transaction same day XX/XX/XXXX with

PayPal. PayPal cr
edited {$390.00} on XX/XX/XXXX, once again the seller credited {$390.00} on XX/XX/XXXX. As I have received two credits, I have reported this on XX/XX/XXXX with PayPal to debit the 2nd credit. Following my report, PayPal charged me once on XX/XX/XXXX and also again on XX/XX/XXXX which is supposed to be only one charges instead of two. I  called them on XX/XX/XXXX to report about the two charges instead of one. I have received a letter from PayPal mentioning all these charges are valid and I owe {$390.00} for nothing. 

From my account statement, it is very evident that they made dual charges on my account, Agent on the call could understand and witness my problem but not the support team. Here are my list of followup calls and my time to explain about this with representatives who picks my call 1. XX/XX/XXXX - 33 Mins XXXX. XX/XX/XXXX - 29 Mins XXXX. XX/XX/XXXX - 08 Mins XXXX. XX/XX/XXXX - 28 Mins Also, they offer EMI plans with no interests when paid back within 6 months. I ended up paying {$200.00} more ( I paid everything on time and this {$200.00} is not for the interest ). I always schedule for an auto payment to ensure close principal within 6 months. 

I have attached statements since XXXX XXXX ( 1st ever paypal credit transaction )

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 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened an account with XXXX XXXX XXXX, with two transfers from Wells Fargo XXXX. A transfer of {$100.00} to open a checking account, and a transfer of {$500.00} to open a savings account, about Wednesday of last week. The checking account was opened, but then, Wells Fargo withdrew the deposits on Thursday. The receiving bank does not have the money, and Wells Fargo can not explain where the money is. As far as I am concerned, Wells Fargo is committing financial fraud, and has literally stolen {$600.00}. And that money was deposited in cash, not credit or anything other than real money.

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 2020-09-22 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: MA

Complaint narrative:
Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-09-22 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: MA

Complaint narrative:
Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: MA

Complaint narrative:
Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Regarding Transunion : Nobody answers the phone when calling, even after being on hold for 45 minutes and longer, after navigating their nearly impossible phone tree. 

I am unable to log in to my account at transunion. When I request a password reset, it asks you to confirm your identity via SSN and last name. Their website then .... reloads that exact page, asking for SSN and last name again. I am unable to contact Transunion to log in and access my account. I am unable to contact them to reset my password. 

When you go to their website there is no way to contact them, via email or otherwise. 

Why is transuinion allowed to hold my financial information again? Did I ever give them consent to hold my credit XXXX, and deny access to my financial information? Nope.

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 2020-09-21 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: PA

Complaint narrative:
I have made attempts to resolve this matter with Experian via letter and by phone. 

XX/XX/2020, I submitted a dispute letters regarding information that XXXX XXXX and XXXX XXXX XXXX provided to Experian. In such correspondence, I advised that the actual payment amounts were incorrect. According to the certified mail records, Experian received these letters on XX/XX/2020. I have not received a reply to my disputes. 

I contacted Experian via phone on XX/XX/2020 regarding the disputes, only to learn that they had no begin to work on the disputes. I was advised that my letters may still be in the mail department. I advised Experian that I sent a certified letters on XX/XX/2020 and that they received them on XX/XX/2020. In the telephone conversation I requested that these account be removed from my credit report immediately. I was advised that they would initiate a dispute and it may take an additional 30 days to resolved. 

I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score.  My original dispute was filed 45 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this dispute

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Wells Fargo in response to my complaint about their unfair practice of payment allocations of credit card 's promotional balances. 
I have two zero-interest promotional balance offers with Wells Fargo. One promotional balance transfer will expire on XX/XX/XXXX. The second zero interest promotional balance transfer will expire on XX/XX/XXXX. When I make payments, a larger percentage portion of the is applied to second promotional balance transfer balance. Making it possible for Wells Fargo to apply interest to the first promotional balance transfer that expires sooner. My payments are allocation unfairly ; 70 % to 90 % of my payment is applied to the second promotional balance and only 30 % to 10 % is applied the promotional balance that will expire sooner. I wrote a letter to Wells Fargo, a credit card billing Manager acknowledge my complaint and concerns but my payments are still being allocated unfairly.

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 2020-09-21 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: VA

Complaint narrative:
I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I do not have access to the documents related to these accounts, but the creditors would.

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 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AmeriCollect
State: FL

Complaint narrative:
On XXXX XXXX I filed a dispute with AmeriCollect for a alleged debt of {$900.00} which I have no knowledge of owing as well as filed a Chapter XXXX BANKRUPTCY which was DISCHARGED XX/XX/2020 and have PROVIDED a COPY to them.. HOWEVER its still being reflected on my credit as OWED and PAST DUE. Ive ALDO provided XXXX with a copy of the CHAPTER XXXX DISCHARGE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation