vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
About XX/XX/ shortly after having a loan with XXXX XXXX and XXXX XXXX XXXX I had issues with my payments being applied to my account and credit reporting 30 days late payment status, date opened, date of last activity, and date of last payment which are inaccurate with all 3 credit bureaus. 
Attached it shows how XXXX, Equifax, and XXXX are inconsistent with reported information among each other. I have never been late, and it should read Paid As Agreed/ Never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting 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:
About XX/XX/ shortly after having a loan with XXXX XXXX and XXXX XXXX XXXX I had issues with my payments being applied to my account and credit reporting 30 days late payment status, date opened, date of last activity, and date of last payment which are inaccurate with all 3 credit bureaus. 
Attached it shows how XXXX, XXXX, and Experian are inconsistent with reported information among each other. I have never been late, and it should read Paid As Agreed/ Never late.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. XXXX I sent my FTC report and PA license to XXXX, XXXX, and Transunion. I did not authorize these fraudulent accounts. I will be filing a civil suit for the reporting of fraudulent accounts on my consumer 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 non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit 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: VA

Complaint narrative:
They notified me of fraud charge from XXXX and blocked it. But then they processed it. they told me to call them to turn my card back on. They dont answer the phone. Ever. Horrible company in dealing with fraud.

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I transferred some rewards points from XXXX of my account to another of my own account and these points were confiscated without notifying me

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I have a card with Synchrony PayPal World. My limit was {$1200.00}. I have never missed a payment, been late with a payment, or been over limit. I have paid the card off numerous times. In XXXX they lowered my credit line to {$890.00}, and also for some reason did a hard credit check which lowered my score. Last night, they lowered it again to {$580.00}, and did another hard credit check, which lowered my score again. Now I can not use the card for an upcoming vacation I had planned for my dad, nor if he goes back into the XXXX out of state I can't get a hotel room because they made sure to lower the credit line leaving me with an available {$19.00}. Which knocks my score down some more because of credit usage percentage. The reason? I own my home. I don't have any plans or mortgages on it. So they decreased my credit line.

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 2024-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I filled out an application for the REPAYE program on XX/XX/2023. My application when into Administrative Forbearance. Then in XXXX my payments restarted at {$410.00} when my payment was only supposed to be {$100.00}. After calling I discovered that because I didn't pay {$5.00} I am now out {$300.00}. The form I filled out says " I request '' a reduced payment of {$5.00}. I never received a bill and have always been in autopay so I did not pay the {$5.00}. Subsequently my application did not go through and now I have to apply again. Mohela essentially stole {$300.00} from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made a complaint about a late payment reported by Experian on XX/XX/XXXX, on XXXX XXXX XXXXXXXX account that I have. I told them that information was inaccurate as I have never been late on that account, it has been almost two months and as I see no action has bee taken. The account still shows the late, as well as PAYMENT STATUS remains unchanged. One more thing, the complaint is taking to long, as it still shows open.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is reporting 2 collections that are for credit cards opened fraudulently. I have filed an identity theft report and reached out to the bureaus and portfolio to give them a chance to fix it and they are still reporting despite the accounts being fraudelent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I trust this letter finds you well. I am writing to express my deep concern regarding a hard inquiry that persist on my credit report, as mentioned in your recent communication from the Complaint ID Your complaints XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My payments are being applied to the balance transfer that has a 0 % interest before putting it to my standard purchases which has a 29.24 % interest. This is causing me to be charged interest. The credit card act states that payments must be applied first to the card balance bearing the highest interest rate. Ive had several credit cards and this has never happened before. I wonder how many customers they are doing this to. This is navyist rewards credit card.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2024-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was given a credit card with Home Depot with the understanding it would be 2 years interest free. I assumed the interest would start after the 2 year period which started in XXXX XXXX to XXXX of XXXX. I look at my statement for this month and I had over XXXX dollars added to my credit card in interest and now they want XXXX dollars minimum for .a payment. This was not explained to me when I purchased the heating and air unit 2 years ago. I should owe around XXXX dollars, So now I am hit with an over the credit limit charge and my balance is now XXXX XXXX dollars. I called the company on XX/XX/2024 and filled a complaint to them on line the same day. They have not responded to my complaint just put me on hold when I talked to a supervisor so long I had to go back to work.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion and XXXX XXXX are intentionally not reporting the credit limit on my credit card account XXXX XXXX in and effect to lower my credit score by not including the credit limit for my account which is $ XXXX. This is an intentional act and is causing me harm due to lowering my credit score.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i was checking my credit report and i noticied severals accounts thats not my

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 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COINFLIP LLC
State: CO

Complaint narrative:
In XX/XX/, I fell victim to a multi-layered scam operation run by XXXXXXXX XXXX  which involved me making deposits for a total amount of XXXX XXXX ( XXXX USD ) from my XXXX by CoinFlip  account to fraudulent investment firm ( s ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JPMCB sued me in the Pennsylvania, XXXX XXXX XXXX of XXXX XXXX on XX/XX/XXXX. After battling and objecting to the complaint, the creditor through their atty failed to produce. On XX/XX/XXXX the judge signed a DISMISSED WITH PREJUDICE based on the findings. I won against on all bases, including contesting the debt as mine. The lawyer will verify this. JPMCB refuses to remove from credit profile and XXXX refuse to remove even after I produced evidence of the entire court docket.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
This bank and company doesnt want me as a customer or to have be approved for a credit card Ive applied countless times and have always been denied being told they cant verify me I recently applied for a secured credit card they gave me a hard time to verify me and my information I have a fraud alert on my credit report which they have to speak to me to have it cleared they refused to do so and said XXXX XXXX this is very rude and not how I should be treated when coming to apply for a secured card

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
on multiple occassions i have disputed information on my consumer report for its accuracy, completeness and timeliness. invastigation reports have been verified as accurate, no investigation reports have been provided to me. the information comtinues to show inaccurate information, incomplete data fields and negatively impacting my financial well being.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX has my FTC Identity Theft Report package with the laws and my notarized Affidavit identifying the crime of identity theft by XXXX XXXXXXXX cards ending in # XXXX & # XXXX to be DELETED off XXXX credit report NOW. See attached.

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 2024-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX received a credit alert statement for a debt of {$3000.00} owed to Genesis Credit Management I do not have a contract with Genesis. 
I never received a bill or notice from Genesis or the original creditor XXXXXXXX XXXX and can not get an itemized bill for what the amount is for. 
I have contacted and e-mailed XXXX and Genesis with the proof that I have showing I do not owe this Neither company will work with me to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Management, LLC
State: MN

Complaint narrative:
They had been calling my mothers phone number non stop for the last week. She finally answered and they said they were looking for me. So I called them today. 

I tried calling multiple times and they keep hanging up on me and now just will flat out not answer me. I was trying to get verification of the debt the one woman who I first spoke to told me. 

She said it was a payday loan from years and years ago and that it was originally {$500.00} but because it was never paid, ballooned up to over {$2000.00} dollars. I have never once had a payday loan, and I dont even think they are legal in MN. She stated that its been sent to the credit bureaus. 

But the moment I started to ask for the verification of debt because I wanted to forward it my bankruptcy attorney, she hung up and now nobody will answer. 

This debt is most likely fraudulent and they are refusing to help with the verification of debt. 

The name stated when I called the number thats been calling and phone number is below : AR Services ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/2023 I received a letter from Freedom mortgage informing me that the PMI would be cancelled/terminated. As of now it still hasn't been cancelled. When I contact them they have different people call me back at a later date and i have to explain what happened and they were all able to view the letter they sent me and told me that someone would contact me to clear it up. The next time someone contacted me they no longer had a copy of the letter so I sent them a copy of my letter. I have talked to eight different people and i'm not getting anywhere instead they sent me a letter telling me that I have to pay an appraiser in order for them to evaluate. I am attaching letter from mortgage company informing me that they are dropping PMI, copies of statements showing the charges and the letter telling me i don't qualify when My property value has increased to more then double of what I owe. Thank you in advance for your assistance.

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One charging late fee for credit card paid on time. I made a payment on XX/XX/XXXX for XXXX for XX/XX/XXXX payment. Then I made my XX/XX/XXXX payment on XX/XX/XXXX for XXXX. 
I made another payment on XX/XX/XXXX for XXXX which XXXX payment. I filing a report because Capital one delaying processing payments to customers accounts. Misleading consumers with due dates and mishandling payment. Call to discuss it the Company was rude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an AMEX gift card from my employer and have tried to use it online at several different retailers. The card keeps getting declined. My balance ( {$1000.00} ) is well over the amount I am attempting to charge ( {$300.00} ) and I am receiving error messages when I try to add to my XXXX account. 

This card is such a headache and not accepted at major retailers like XXXX, XXXX, XXXX, XXXX XXXX, etc. 

Would never recommend this prepaid card option to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: GA

Complaint narrative:
On XX/XX/XXXX I closed on a Mortgage with XXXX XXXX. 

After being transferred between 3 different lenders XXXX XXXX, XXXX XXXX and Midland Mortgage I put in a request to Midland Mortgage for my original loan documents. I realized that I didn't have full understanding nor was I given full disclosure, explanations, documentation and legal requirements by law on how this process actually works from said lenders via mail. After receiving the requested documents on XX/XX/XXXX I noticed alterations and discrepancies in the documents. 

Alterations and discrepancies : I noticed a gap in the chain of ownership that the 3rd current lender Midland Mortgage is shown on the note insinuating they were present during the original closing date. 
This Signing of the promissory note took place without all parties involved being present. 
My second Lender XXXX XXXX XXXX was never mentioned on the promissory note as the next 2nd owner. 

These alterations and discrepancies raised my concern on the validity of the Ownership and servicing responsibilities carried out by Midland Mortgage. On XX/XX/XXXX i sent a certified letter ( qualified written request with a debt validation ) requesting proof of ownership, from date of original closing up to current, servicing contracts and judgments validating the servicing responsibilities and legal standing of all companies involved, a Validation of the debt owed to Midfirst bank serviced by Midland Mortgage. 

My overall complaint is that Midland Mortgage has not replied to the QWR and Debt Validation letter that was sent on XX/XX/XXXX. Midland Mortgage failed to show proof of legal standing, proof of ownership, proof of claim, judgements, and any other documents to validate their right to collect. Thus Far Midland Mortgage is continuing to collect without proper documentation to support their claims.

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