vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 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: OH

Complaint narrative:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

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 2020-11-18 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: OH

Complaint narrative:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: OH

Complaint narrative:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westcreek Financial
State: CO

Complaint narrative:
I have filed a dispute in regards to the incorrect items on m y credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: NJ

Complaint narrative:
I applied for a mortgage in Delaware this past summer. This is the law before you can see real estate in Delaware as your credit score must be known and approved. There was a lock on my credit score and for 3 days both the mortgage broker and I tried to unlock my credit with Equifax ; we could not do this despite my calling and calling Equifax and getting a different story each time I called. Equifax would not put me through to a manager. 

Issue 2. Phoney XXXX XXXX  credit card " discharged '' in 2017 for {$380.00}. I applied for a {$50.00} gift card and I was scammed into a XXXX XXXX  credit card instead with an unwanted credit limit of {$4000.00}. I already have a XXXX XXXX  card with a credit limit of {$3000.00}. I filed with NJ Consumer Affairs and my complaint was sent to Washington attorney general 's office but XXXX XXXX  did not answer in a timely manner. A few weeks ago, XXXX XXXX  tried to scam me, yet again, by pretending to look into their phoney business dealings with a " XXXX Executive officer '' lady and then telling me I could pay the {$380.00} for the " charged off '' credit card that I never requested in the first place. I never got a bill for this {$380.00}, I never charged anything except a slice of pizza and a soda on what I had ordered was a " gift card '' not another {$4000.00} XXXX XXXX  credit card. Please help me as I want to buy a condo in Delaware and not pay a higher interest rate because of my phoney, scamming XXXX XXXX  and Equifax, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
Lease ended XX/XX/XXXX. All monthly lease charges have been paid. GM Financial sent a past due notice of {$1700.00} on XX/XX/XXXX without any invoice, details, or support of the charges. I talked with a Customer Service Rep and asked for the info. I sent a note on XX/XX/XXXX asking for the invoice. No invoice was received. GM sent another past due on XX/XX/XXXX again without any description of what this charge was for. On XX/XX/XXXX I sent a note asking for this info. GM did not respond or send the info I requested. Now they have reported my account as delinquent to the credit bureaus impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
MY MORTGAGE COMPANY CONTINUED TO PAY TWO INSURANCES, UNBEKNOWN TO ME. MY PREVIOUS INSURANCE, XXXX XXXX, WAS SUPPOSED TO BE CANCELLED PER SEVERAL PHONE CALLS I MADE TO THEM. HAVING FOUND A BUNDLE DEAL WITH XXXX XXXX, I CHOSE XXXX XXXX AS MY NEW HOMEOWNER 'S INSURANCE CARRIER. ALTHOUGH I TRIED, THE PREVIOUS INSURANCE WAS NEVER CANCELLED, AND THIS CAUSED MY ESCROW ACCOUNT WITH US BANK HOME MORTGAGE TO BECOME NEGATIVE. I THEN HAD TO PAY {$2300.00} IN ORDER TO BRING THE ESCROW ACCOUNT CURRENT.

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 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates, LLC XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX On ( XX/XX/XXXX ) They are claiming that I owe a debt I have know knowledge of from XXXX XXXX, I have documents showing no record of what they are claiming, I sent them a cease and desist letter on the day of XX/XX/XXXX. I also sent it certified mail. I receive the return receipt on XX/XX/XXXX. Now again XX/XX/XXXX XXXX XXXX, Is trying to collect from me the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Westlake Services, LLC
State: IL

Complaint narrative:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Paypal had a failure in thier software and sent my money to the wrong recipient {$130.00} on XX/XX/31 was sent to the incorrect XXXX XXXX even though I selected the correct contact that is saved in my Paypal contacts. The XXXX XXXX who received this payment isnt someone I know and I have never sent money to the email address attached to the account it went to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CL Holdings LLC
State: AZ

Complaint narrative:
The debt collection company JEFFERSON CAPITAL SYSTEM continues to change the start date of the debt ... the XXXX XXXX debt was reported in XXXX originally ... I do not receive statementS from JEFFERSON CAPTAL SYSTEM monthly anymore ... they send a statement once every six months or so and then change the beginning date on my credit report to the date they have mailed the current statement ... this debt was supposed to be removed by XXXX XXXX in XXXX because the young men at the store ( a franchise ) were investigated for " improper account manipulation to gain commission '' and found to have fraudulently reported this information to XXXX XXXX ... Who in turn sold the debt to JEFFERSON CAPITAL SYSTEM ... 

I have not had contact with JEFFERSON CAPITAL SYSTEM since XX/XX/XXXX ... So they are incorrectly reporting of the beginning date of this debt ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, Government Official My name is XXXX XXXX. My contact information : XXXX - prefer this communication after all phone number scams. 
Or physical address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I'm a victim of a scam which cost me {$1900.00}. 

The scammer called via phone that represents government agency, provided a lot of sensitive data, using government spoof phone numbers for example : XXXX XXXX XXXX pretend to be police department, XXXX XXXX XXXX pretend to be ICE ( Immigration and Customs Enforcement ). Demanded money transfer as a bill/ticket for some bureaucracy issue saying if not I will be detained by police department. The number XXXX XXXX XXXX googled as police department so I trust it, I didn't now that its possible that caller number is faked. Also provided this phone number : XXXX XXXX XXXX. 


They pressure via phone calls and asked to send money {$1900.00} via XXXX transfer to XXXX. As per Bank of America, it's XXXX XXXX account. Please help to persecute these scammers. Any email in XXXX linked to some account, so if there would be an investigation hopefully you can digging into this issue. 

Called Bank of America service immediately however not receive any response on time, file filed just on the next day when I informed that it's not filed the previous day. As per Bank of America, they can not do anything to help me to get my money back. Not hear anything back from Bank of America. 

Additionally to this need to complain about XXXX app practice - they not tracking and revert any activities. It's a very open system for criminals. There is no way to revert this type of transaction. XXXX should say by big word statement in the application that they do not revert money transfer if there is a scam. I read a lot on the internet about issues with XXXX since its beginning and still, there is no customer protection. XXXX is just a loophole for criminals. 



Also why a customer of phone service XXXX XXXX ) can receive fake calls with government numbers. It's extremely high risk due to this. It's almost XXXX. Somebody spoof the government agency 's phone number and people became very sensitive. 


Kind regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Account was paid, company agreed to delete account. The account has been negatively affecting my credit score Ive reached out to experian and genesis to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I sent a check to Penny Mac from my insurance company to be double endorsed however they required additional information from the contractors to complete my roof which was received. Because the process took so long I ended up just paying for my roof to be fixed in full {$7500.00}. I provided the documentation to show I paid for the roof. {$4000.00} cash and {$3500.00} paid on my credit card. The inspection has been 100 % completed. They then advised that I needed to send a letter which I did and now they are telling me its still under review. Me paying this money out my pocket has put me in a Finacial hardship I need them to ship my check out ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
From XXXX - XX/XX/2020 my husband was out of work due to COVID 19 and my family was facing economic hardship. I became past due on my 2 Comenity credit card accounts with XXXX XXXX XXXX and XXXX XXXX XXXX. I made a payment as soon as possible and have since caught up and nearly paid off the accounts. It was my error for not calling ahead of time but I was ashamed and not in a good place that I could not pay even some of our small bills. 

After I was in better shape, I called Comenity bank and they told me to put the request in writing based on economic hardship due to COVID-19 that I was requesting a goodwill deletion of the late payments on each account for XX/XX/XXXX. I did write such a letter to them ( see attachment ) and it was sent on XX/XX/XXXX. 

I worked with THREE other credit card companies and each of them provided the goodwill assistance and deletions/not reported to the late payments I incurred due to COVID 19. 

I received a letter from XXXX XXXX in the compliance department of Comenity dated XX/XX/XXXX that basically I was out of luck, too bad. They would not provide any goodwill due to my COVID hardship. 

I find this devastating to my credit, and sad that a company such as Comenity can not provide a goodwill adjustment during the difficult pandemic time when many other companies are doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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:
On or about XX/XX/2020, I refinanced an auto loan with XXXX in order to get a better interest rate. The original loan was with them also. I received a new loan rate of XXXX. When I looked at the refinance documents, it showed a credit score of XXXX from Experian. I have an Experian account and knew that my credit score was XXXX. 

When I contacted XXXX to see if they used additional or different scoring from Experian, they said they did not. They took it directly from Experian. I checked XXXX XXXX credit reporting, and the score was XXXX. 

Since all payments were on time, and this was the only credit bureau they used ( score is higher for XXXX and XXXX ), I want to know what factored into this score and this interest rate.

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 2020-11-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My FICO score was at XXXX before I applied for a REFI loan on my home to reduce the interest rate. A little later, I paid off my Automobile loan of {$3800.00} and Experian dropped my score by 47 points. At that point they contacted me and offered to reinstate 30 of those points if I would sign up for their Experian Boost program. It appeared they intentionally dropped my score by a huge amount then tried to force me to sign up for their program. I did not and will not. That, to me, looks almost like extortion. I have a perfect credit report for many years and now have no debt at all other than a mortgage. For them to drop me from XXXX to XXXX is not within my grasp. That drop took me from Excellent to good. My scores with the other two companies is in still in the Excellent range. Is there anything that can be done? I have a chain of emails to support the fact that I have been trying to work with them but they are not willing.

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 2020-11-18 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a letter from Suntrust saying that I opened an account with them. The letter came with 3 checks and a deposit slip. I have never opened an account with them or have done any business with them so they are opening an account in my name without my permission. I called them and the first question I get asked by the automated answering service is if there is somebody in my house more than 50 years old. What type of bank answers the phone with this question? 
I hanged up and after reading other similar complaints ( 43 in 3 years ) on your website I don't want to call them again. They do not offer any explanations to anybody. I am hoping that you will investigate this company and do something about this so they don't keep doing the same thing to other people. I can't believe that after getting 43 complaints from them they are still doing the same thing.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
Experian, XXXX  and XXXX  continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you 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 2020-11-18 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
On XXXX XXXX at XXXX we got a call from XXXX XXXX XXXX claiming that a fraudulent charge had been made on our Amazon Store Card. We were instructed to go to XXXX XXXX to reverse the fraudulent claim. We were to type in the address bar trackmyorder.us. I said no, I'd just call the number on the back of my card. They said no this was the only way to stop the fraudulent charge because it was now pending. When we did what he said our virus product marked it as a dangerous page. I hung up and called Amazon card services and I had no such charge on my card. It was a scam. I think they wanted my card number

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