vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX ACCOUNT XXXX DATE XX/XX/XXXX AMOUNT {$140.00} WELL FARGO FINANCIAL ACCOUNT XXXX DATE XX/XX/XXXX AMOUNT {$1300.00}

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX, Transunion and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with 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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my SECOND COMPLAINT, and Experian provided a vague generic response without justification and assumptions that it did not appear as if I submitted the complaint, when in fact, I did! Experian previous response ( XXXX ) did not address ANY of the disputes that I attached in my initial complaint! I provided the " Experian Dispute Letter dated XX/XX/2020 '' with specific accounts ( XXXX XXXX DEALER SERVICE ( Individual and Joint ) and (XX/XX/XXXX/XX/XX/XXXX XXXX XXXX ) areas on my credit report that displays inaccuracies and/or incomplete information, which they neglect to verify! I attached the U.S. Postal Service Certified receipt card date stamp by their representative on XX/XX/2020! I attached a copy of my credit report showing the differences between Experian and XX/XX/XXXX, which both have inaccurate and incomplete dates! I requested the source or contact information of who they used or how they verified said information on my credit report! I provided proof of my identity and the Experian response letter dated XX/XX/2020, lacking ANY information that DO NOT support their verification process, and yet, I received a generic response that does not show ANY basis that they lifted a finger to look into my complaint! Then Experian had the audacity to accuse me of using an outside source other than myself, when there is no basis of their assumption that this occurred! I feel INSULTED, BELITTLED, and AVOIDED because they refuse to take the time to verify the inaccuracies and incomplete information using a Metro 2 format ( Record Layout ) and e-OSCAR that I pointed out to them in this complaint that is UNEXCEPTIBLE! They should be held accountable for their indiscretions to properly address the concerns listed in my dispute attachments! I am an XXXX veteran that served 24+ years protecting my country, and I do not deserve to be victimized by Experian. If these accounts are not properly verified per the FCRA, the identified accounts must be REMOVED, and if not, I will escalate this matter to the next level!

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, XX/XX/XXXX and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXXand Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with 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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I don't get a response, it takes them weeks to return emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: CO

Complaint narrative:
I have received notification from my credit monitoring agency ( XXXX XXXX ), there was an inquiry reporting to my TransUnion credit file XX/XX/2020. A fraud investigator from my credit monitoring agency assisted by calling XXXX XXXX to have the account and inquiry marked as fraud. 
The account was removed like committed but inquiry is still listed on my credit. 

After 120 days a dispute letter detailing that included a copy of my Social Security card, Copy of Driver license, and Copy of Utility Bill ( proof of Identity ) were mailed. 

On three separate occasions this has been mailed. 
Dates Mailed : XX/XX/2020 XX/XX/2020 XX/XX/2020 All three Letters have shown they were delivered to correct Address for Transunion. 
Unfortunately there is no way to communicate with XXXX at the moment. 
With the help of my credit monitoring agency, we have attempted to speak to someone calling numerous numbers and have not been successful. 

It has been 277 days and inquiry still remains on credit.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Someone tried to open accounts in my name fraudulently.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.

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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Moria Development, Inc.
State: AZ

Complaint narrative:
We tried to obtain a forbearance with Peoples Mortgage in XXXX and there is a was a long wait. By the time the forbearance was approved a late charge in the amount of {$73.00} was assessed. I'm requesting this be waived as a first time courtesy. My husband lost his job with XXXX XXXX on XX/XX/XXXX. That is predatory that a company is assessing late charges on loans that can not be paid due to COVID and job losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/2020 I tried to pay off the high interest balance on a card issued by Syncrony Bank. I was told that any thing over the regular payment will be applied to this balance. I made my regular payment and a couple days later paid another {$100.00} to pay off the high interest balance and what's left to apply to special promotional balance. We talked on the phone to make this arrangement. Then in XXXX, again in XXXX, in XXXX, XXXX and XXXX I have had this same conversation. Every time they tell me this is fixed. Every month the statement proves it is not. It is now XXXX. It is still on my statement. 

I need help getting this done. Please help me pay off the high interest portion of my bill.

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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens One XXXX XXXX  is my lender. My business was shut down due to Covid-19. As a result, I missed 2 mortgage payments ( my payment due on XX/XX/2020 and my payment due on XX/XX/2020 ). Once my business opened back up I was able to make my payment due on XX/XX/2020. I have made all of my payments since. I am currently in forbearance. So I am not being foreclosed on due to my 2 missed payments. But I have been trying to contact my lender for 4 months to discuss a deferment of the 2 missed payments and possibly a loan modification. I have called multiple times. I am transferred to a representative fielding calls form an overseas call center. The representative is not able to provide assistance. The representative states that a Relationship Manager will call me back. No one ever calls. I have called them multiple times only to continue to get the same result. I am directed to a website that is of no use to me. Once logged in there is a phone number listed for my " relationship manager ''. The number is not in service. Relationship Manager Name : XXXX XXXX. Phone Number : XXXX. I am actively trying to resolve this issue with this lender and they are making it impossible to resolve. I can not speak to anyone who can help me. I go in circles and get the run-around constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have never had credit with nor signed any papers with Portfolio Recovery Associates yet they are reporting on my credit report profile that I owe them {$440.00} which is inaccurate and untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
In response to my complaint filed on XX/XX/20 Commonwealth Financial Systems continues to be very deceptive and is now using stall tactics. 

According to XXXX XXXX, Legal/Compliance Dept a search of their records failed to identify a record linked to my name and address provided. She also stated that she would need my birth date and the last 4 digits of my social security number. 

Now what I find very strange is that I have never spoken to anyone from this company, never received a dunning letter from this company so, therefore, I never provided my birth date nor the last 4 digits of my social security to this company before they placed this account on my credit reports. 

So if I have never spoken to a representative from this company to confirm my birthdate and last 4 digits of my social security number then how is it that your company placed it on my credit reports? How is it that now you claim to not being able to locate a record with just my name and address? 

Also in my complaint, I also provided the account number from Commonwealth Financial Systems that was used when the debt was placed on my credit file. So how is it you can't locate my file? 

Please see the attachment of my current generated credit file from XXXX and XXXX as of XX/XX/20 that shows Commonwealth Financial Systems placed a collection on my reports which also show the account number!

So evidently this company does not need my birth date nor my social security number to locate my file because they have already placed it on my credit reports.

Furthermore, all of a sudden I received a call from Commonwealth Financial Systems today XX/XX/20 right before they provided their response so obviously, they can locate my file with my name and they continue to blatantly lie! Please see the attachment which shows the missed call from Commonwealth Financial Systems.

As this company has already violated my consumer rights by placing this frivolous debt on my credit file without sending me a dunning letter and giving me the option to dispute and question the validity of this debt, violating the Fair Debt Collection Practices Act and also not being in compliance with the Metro 2 reporting System. I will not hesitate to file a lawsuit against Commonwealth Financial Systems.

I have all the evidence to back my claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE, UNVERIFIED ACCOUNTS, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. PLEASE DELETE THESE ACCOUNTS FROM MY REPORT AND SEND AN UPDATE 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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Someone tried to open accounts in my name fraudulently.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Someone tried to open accounts in my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a Chase Sapphire Preferred card holder since XX/XX/XXXX with a credit limit of {$7000.00}. My payment history has been flawless, but at times my utilization has been high ( though never over my limit ). I have been working hard to improve my utilization for a year now, and in XX/XX/XXXX I paid off my balance in full. This action was met with an immediate credit limit reduction of {$3500.00}. The time has come for the annual fee on this card of {$95.00} due, however I do not feel the card benefits are worth it with such a low limit. I called to downgrade my card to one with no annual fee, but the bank will not allow it because they require a minimum limit of {$5000.00} to do so. Now, they say I have only three options : 1 ) pay the annual fee for the card I have with the limit as given, 2 ) pay off the card in full and close my account which will adversely affect the credit score I've worked so hard to improve or 3 ) authorize a hard inquiry to try to qualify for a limit increase to {$5000.00} despite the fact my approval odds are low which also will adversely affect my credit score.

I feel Chase Bank is practicing predatory lending and ensuring that I can't get ahead or improve my credit score unless I agree to continue paying them the annual fee. If this practice is not illegal, then it should be. As a consumer, I should have options to avoid fees without adversely affecting my credit. This honestly feels like extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 {$1000.00}, {$48000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- STUDENT ACCOUNT 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I tried contacting New Rez Morgage who we have been with several years. I found out through family members we could refinance now under a government program because we owed less than {$300000.00}. We currently owe {$230000.00}. I tried contacting this comapany on website, email and phone call and it was nearly impossible to get a response. Finally, XXXX XXXX reached out to me and I asked if we could apply to refinance to get a lower interest rate & payment. He said, Yes. I also asked if we could get a deferrment of payments or a lower payment during this process because our income had been cut {$1000.00} monthly due to the COVID-19 pandemic. He said we couldn't do both???? and we began this long process of refinance. We have always paid our morgage on time, never have filed bankruptcy, and have fair to good credit. We want to know why this is taking so long as we continue to pay way more than we should be for our payment!

Company response to consumer: Closed with explanation