vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
we have to issues one they claim our balance is XXXX its XXXX they told all three credit reports we owe more yet look at our acct is confirms XXXX also we dont have a fixed rate it always goes up but never down i questioned if rates are at an alltime low why are we still at XXXX? i was hung up on why doesnt it ever go down???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
I sent a letter over 45 days to this bureau and have not received any response, This process has been very stressful and caused me job opportunities because of incorrect information being reported inaccurately in my file. I have sent letters before this date and still the issue has not been acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: IL

Complaint narrative:
This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX   credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-25 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: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
I received a letter at my mother 's house of a debt that i do not know about so i called the number to find out what is going on, they told me the name of the place. I told them i do not recall having an account with this company next thing i know the very next day, My credit report had a collection on it, and shortly after that about a month later i received a court paper, then two days ago i received a letter from the court to respond or there might be a judgement, etc .... so i answered the summons today and seems like they also turned it over to another collection agency on top of taking me to civil court. because this creditor keeps calling from different numbers leaving voicemails about collecting a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$120.00}

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 2020-08-25 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$120.00}

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 2020-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
A friend accidentally sent XXXX dollars to my old cash app account. I no longer have access to my old phone number or debit card associated with that account. I contacted cash app support and they told me I have to answer some security questions. One of my answers was wrong but they wouldn't tell me which one. This was an old account and I can't possibly remember everything exactly. They closed my account and did not give me my XXXX dollars in the account. I asked for them to send the XXXX back to original sender. At first they said yes but then back tracked. Cash app basically stole XXXX dollars from me. Since the account is closed and the money not refunded the only one that has access to the funds is cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have made several attempts to obtain legal documentation to show that Portfolio Recovery has indeed legal rights to collect this debt. I have sent numerous certified letters inquiring about such documentation and none was provided. The only documentation provided has been just basic statements bills from the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
Ford credit, XX/XX/2020 Was harassed 10 calls today. Explained that my position was eliminated due to covid 19. I have a payment set for XX/XX/XXXX. 

Threats and treated unfairly and did not get employee id, no transfer to supervisor and call sounded from another country. 

Was hung up on and was never resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is more than seven years old US DEPARTMENT OF EDUCATION ( CLOSED ) at XX/XX/2013 I asked the credit bureau to look into. They just sent me a generic answer,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
This account is more than seven years old US DEPARTMENT OF EDUCATION ( CLOSED ) at XX/XX/2013 I asked the credit bureau to look into. They just sent me a generic answer,

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 2020-08-25 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: GA

Complaint narrative:
This account is more than seven years and investigation is taking more than 30 day for this negative account on my credit report US DEPARTMENT OF EDUCATION ( CLOSED ) xxxxxx XXXX {$5500.00}

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 2020-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I was approved for a secure loan. I asked the agent to explain secure loan she said it meant collateral of a car and I asked if that meant the loan was a refinance and she stated no. After beginning approved the loan was actual a car finance loan. I would had never agreed to have a hard inquiry on my credit had I known if was for a car finance. I was manipulated into running my credit for a loan I was unaware of. I made it perfectly clear that I did not want a car finance loan. Date. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
COVID PANDEMIC Bank of America Home mortgage, has been reporting me and my wife as being late on our credit reports. We have been in forbearance mode for the last 5 months. We just spoke with XXXX XXXX, XXXX XXXX, with the bank of America concerning the forbearance and the restructuring of the loan. The consequences have been a denial of an SBA guaranteed loan by the SBA disaster relief loans by the federal government. As I called today and they told me that we were rejected for the loan because of our credit. 
They have been reporting us illegally during the COVID crisis.

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 2020-08-25 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXXXXXX {$1000.00} XXXXXXXX XXXX   XXXX {$130.00}

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 2020-08-25 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX  XXXX {$1000.00} XXXXXXXX XXXX   XXXX {$130.00}

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Name is Mr., XXXX XXXX, My Grievance /dispute : American Express Gold Card , card # XXXX, I've continued to make payments during this difficult pandemic {$4000.00} during COVID 19 despite this financial hardships we're currently under, moreover my business has been severely impacted by COVID 19 ; California Governor as instituted stay at home orders, close business and cause a tremendous slow down on my accounts receivables, I've been personally impacted by COVID 19, travel, and health care difficulties, moreover American Express is ignoring the United States Congress Cares Act, they have tried to force me to take a program that has ( unacceptable terms ), ( program is one size fits all ), I've requested more time to meet my payment balance and obligation 's they've instituted an pushed a no-nonsense aggressive collection practices and ( demanded payment in full ), in addition, this is a business Credit Card issued to XXXX XXXX , they have reported a negative trade line on my personal credit file for this card. ; i have reach out to upper management, with no success. 

I have a personal Everyday Amex Card with a XXXX balance, part of the program offered is that, they'd close my personal account if i sign on, to this ... .its a unacceptable plan,, I've worked extremely hard to build and maintain my credit, they've chosen to ruin it in a flash ; in concluding this is Force Majeure to no fault of the card holders on doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased an XXXX XXXX XXXX laptop from Apple.com using my Apple Credit Card ( provided by Goldman Sachs ). I have had technical issues with the laptop. Unfortunately  when trying to resolve my technical issues during COVID-19 all of the local apple stores and depots were closed. I tried returning the laptop for full refund given that it was not functioning as described. However given the date Apple refused to take back the purchase. On XX/XX/XXXX after receiving no resolution from the merchant ( Apple ), I went to my Apple credit card Goldman Sachs and asked them to dispute the card. I wanted to be able to return the laptop for full refund or have the full amount credited to me on the credit card given that my defective laptop was being rejected. One important reason I need a functional laptop is that I use it for work at home as a XXXX. I have both texted with and spoken to Goldman Sachs representatives for months. My dispute was closed first on  XX/XX/XXXX stating that I should just return the laptop. I called that day to customer service to explain that Apple was refusing my return based on purchase date. I was told they would reopen the case with that information. The following day I was told that my dispute was again closed for the same reason. I have never been able to speak to the same person twice about this. On XX/XX/XXXX I again reached out to Goldman Sachs to speak to a supervisor to explain that Apple is not letting me return but Goldman Sachs is  demanding that I return the item. This circular thinking is putting me, the customer, into a situation that I can not win. Goldman Sachs and Apple are practicing in a way that is very anti-consumer. I simply can not win the maze of auto-robot replies and constant changing of customer service individuals. To summarize simply, all I want is a full refund on my product any way possible - either returning directly to apple or as a refund on my credit card via Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express charged me a late free in XXXX for allegedly missing a payment. However, I got an email confirmation that says I submitted a payment on XX/XX/XXXX XXXX payment is due XX/XX/XXXX. ) I attempted to contact American Express using my account 's online web portal but there is no way for me to dispute this charge ( unlike other charges which provides an easy link ). I attempted to call them, but have been disconnected or put on wait endlessly. This is most likely due to the COVID-19 situation. I was charged a total of around {$45.00} in late and interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I initiated a loan with quicken loans to refinance my mortgage on or about the first week of XX/XX/2020. I uploaded all documents required. documents such as pay stubs, paperwork inlcuding insurance on home, the balance on my mortgage. my credit passed and they congradulated me. i was contacted by rocket mortgage, they were going to finish up the loan. In first week of XXXX i contacted them again, they kept stalling asking me to upload the same documents which i did, and i asked to speak with someone about why its taking so long. they finally called me told me they are working on pay off and they needed me to upload my divorce decree again. the begining of XXXX i called again, they are now saying they are waiting for a pay off, it should be a few more days. We are coming up on XX/XX/XXXX still no closing, i tried calling today left a message logged into the rocket mortgage account they want me to give them my morgage banks phone number. This company needs to be investigated, why do i need to keep uploading the same documents, and if they needed a phone number for my mortgage why didnt the representative tell me when we were on the phone. this company is very shady on how they are doing business. I would like to just stop the process and end it all, i just dont know how since there is no personal office, all is on the phone. a morgage started the first week in XXXX still ongoing in XXXX. help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: WA

Complaint narrative:
It is over a month and a haft that I make a request to fix my credit report with the bureaus. and I have no response from them. There is a inaccurate information on my credit report that not mine. I believed with the 30 days Rule they have to fix my problem that I request. 

Please see the attachments below

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 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specificinformation being disputed is the derogatory nature of the information you have furnished to the creditreporting agencies in connection with the above mentioned account.The basis for my dispute is your company was required to notify me prior to, or no later than 30 daysafter furnishing the negative information to the consumer reporting agencies, in writing ... that suchfurnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with thisrequirement.Therefore, provide me documentation of notification ( i.e. a copy of the notification sent ), and proof that it wasdelivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ) .If you can not provide proof of notification and date of receipt, then you can not substantiate youfollowed the procedures required under the Fair Credit Reporting Act. In addition, by not being able tosubstantiate you performed your duties imposed under that title, you are now in direct violation of it.Therefore, the continued reporting of negative information to the credit reporting agencies in connection withthe above mentioned account may constitute the furnishing of false information with malice or willful intent toinjure me.To correct this error you must delete the account in its entirety, or permanently block the reporting of saidaccount, report the results of your investigation to the consumer reporting agencies to which you furnished theinformation, and provide me written confirmation thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$3500.00}

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