vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX are reporting a Chapter XXXX Bankruptcy on my report, I request an investigation because I had not filed for Bankruptcy. XXXX answered back that it was verified, by a 3rd party vendor XXXX. I reached out to them to find they report whats in public records and it is the responsibility of XXXX to match the information to the Social Security number see letter attached. Whats worse is Bankruptcy are not recorded in XXXX XXXX County Public Records. Experian did the same thing allthough they never gave me as requested the name address and phone number of the parties reporting the Chapter XXXX to them. In my last correspondence with XXXX and Experian i sent them a copy of a Bankruptcy search for records form that showed i had not filed Bankruptcy see attached. They just ignored the Bankruptcy Clerks findings and continued to report the Chapter 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 2017-06-26 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: TX

Complaint narrative:
My Credit Score has been lowered the Credit Agencies ( Trans Union, XXXX ans XXXX ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.

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 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Hi, My mortgage has been transferred to a new company last month. As indicated on the document, i scheduled my new payment to the new company via XXXX in the amount of {$2000.00} on XX/XX/XXXX. On XX/XX/XXXX i made an extra {$50.00} payment towards the principal which was applied.However, the {$2000.00} was never applied on my account, ten days later, i get an updated statement saying i missed a payment. I contacted them, provided them with a confirmation number from the bank that the payment was cashed by them. XXXX XXXX XXXX also called them. They said they needed to find my payment as they could not locate it. Now i receive collection letter EVEN IF I HAVE PAID. today, the company is saying the return the payment to XXXX XXXX XXXX and can not provide me with a confirmation or tracking information. XXXX XXXX XXXX has not receive the money as of XX/XX/XXXX that the company sent on XX/XX/XXXX. I have to make another payment to this company that i have no trust in. Please help me apply my money to my account!!!! The company is home point financial center. the incident is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: MI

Complaint narrative:
I signed a loan for my children to buy a truck through Santander ( #  XXXX  ) and although we 've paid them in excess of {$30000.00} for a {$17000.00} loan... they 're showing it in collections on my credit report still owing {$5200.00}. When the kids were late, they took all our payments to bring it current and pay it off, but never applied them to the balance and have left the collection sitting out there hurting my credit to buy a home with the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Repeated, numerous telephone calls leaving messages that important information may be obtained by calling toll free number. No further info is stated. Sounds like a scam and refuse to return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX, XXXX ( Retired ) XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In reply to your letter dated XX/XX/XXXX Recd o/a XX/XX/XXXX Re XXXX # XXXX This is My FINAL communication with you! You have apparently not read or have Employees who can read the previous communications. <P/>I am a retired XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am XXXX YOA and have all my faculties. <P/>I am not impressed at with your False Investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Two Statements and two advertisements do not qualify as an investigation. I think I have given you this statement previously. This was sent to XXXX early on : ( XX/XX/XXXX ) I contacted your support for help to get the XXXX router working, which I paid {$190.00} for. The XXXX worked great for about thirty days, and I have had nothing but trouble since. I have sought help from the company store, your local support, and by your Phone support without success. I have to reboot the router at least 4 or 5 times a day and recently every hour. My phone is also attached to the router and everyone is getting mad with me because they cant reach me by phone. I was still having problems with it when it was finally turned off! I have found an alternative service. I am terminating this account as of XX/XX/XXXX the date it was last used. Im enclosing my check for {$52.00} again, which is my FINAL PAYMENT for the XXXX Router Conection. I will take the other charges that I paid as a lesson learned. I have received far less service from you than I agreed to pay for. I am totally disappointed with XXXX, and I can never recommend you to anyone in the future. I will not pay for a system that does not work! This is the Last time I will waste a Postage stamp telling you whats wrong with this account. <P/>There is no law in the world that would require me to pay for a service that doesnt work. I paid all fees for seven months hoping we could have gotten this to work. I have all the bills they have continued to send me thru XX/XX/XXXX. Starting with a {$0.00} balance in XX/XX/XXXX to a {$230.00} in XX/XX/XXXX. Including your firm, I have received collection letters from 7 different collection agencies. Yours is the last. <P/>Yours Truly, XXXX XXXX O XXXX , XXXX Copy : CFPB

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 2017-06-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
From : XXXX XXXX XXXX Via XXXX XXXX XXXX, XXXX XXXX XXXX debit card & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : {$100.00} Debit XXXX does NOT work Debit XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX Valid Through : XX/XX/XXXX To Whom It May Concern : Recently, I received a XXXX gift card from one of my XXXX ( I 'm a XXXX ). I went to redeem it, and the card would not work. I called the number on the service number on the card, and I was told to write a letter stating that the gift card should be transferred into my name. I called again on XX/XX/XXXX, and spoke to a customer representative named XXXX, employee I.D . XXXX. She told me the only thing left for me to do was to fax in a copy of my driver 's license and utility bill to show my identity. On XX/XX/XXXX, I faxed in a 3rd copy of the gift card, driver 's license, and utility bill. I have called multiple times to inquire the status of the card. On XX/XX/XXXX, I called again and I was told the bank received my fax. <P/>I have been waiting two months to receive a new XXXX gift card from XXXX XXXX XXXX XXXX  XXXX XXXX. <P/>XXXX XXXX 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 monetary relief
Consumer complaint received 2017-06-26 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: GA

Complaint narrative:
I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.

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 2017-06-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.

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 2017-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a voice mail from Commenity Bank on  XXXX / XXXX / 2017  at my work phone number. I was given the number  XXXX  and ext #  XXXX . The man who left the message said he was calling from Commenity Bank and he was calling my work phone number because it was the only number he has to reach me. This is not true and he could also contact me by mail. I 've been told they have called my place of work repeatedly. They have a cell phone number for me and they have called it as well. I 'm only complaining about the phone calls they are making to my place of employment. I have never given them my place of employments phone number or even told them my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bought my mortgage from a bank that went out of business, I became deliquent, cured the deficiency with in the amount of time allowed yet they proceeded with a foreclosure. I tried to obtain a modification to no avail as they sold and resold the servicing every time I was in the middle of trying. At the same time JP Morgan Chase had a law firm they retained proceed with the foreclosure. I repeatedly tried to contact JP Morgan Chase to discuss the mortgage the Judgement they obtained during court proceeding that I had no knowledge were even occurring. Each time I tried to contact JP Morgan Chase they claimed they had no interest in the property. Yet they had the Foreclosure mill law firm they hired proceed with enforcing the judgement they obtained yet claimed to have no interest in. I tried to work with XXXX they never sent me modification information as required by law. JP Morgan then purchased the property back for {$500.00}!!! XXXX claims they enforced the foreclosure sale judgement, if this is the case that was illegal because they were never awarded judgement JP Morgan was and another party cant enforce a judgement they do not own. JP Morgan Chase got paid through insurance for my mortgage since it was listed as an un collectable account. They then sold it and got paid again, now they purchased it for {$500.00} and intend to sell it AGAIN and make more money on the house. I do not see how these banks are allowed to continually break laws along with the foreclosure mill lawyers and they have to answer to no one. If I tried to enforce a judgement that was awarded to someone else a Judge would laugh me out of court and I would probably face fraud charges yet these banks and lawyers are allowed to do it every day. But I suppose when you even have XXXX letting discrepancies that JP Morgan has on their books slide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Contacted TransUnion today, and advised that them, I was a victim of inquiry issue. Gave agent dates and name of inquiries, and agent advised me that I was not a victim.I advised him that he is incorrect. TransUnion, agent advised me that he could not help me with my issue.

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 2017-06-26 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: FL

Complaint narrative:
Equifax has been reporting a fraudulent debt assigned to my name by XXXX XXXX XXXX also know as XXXX XXXX XXXX. I have disputed this debt since XXXX 2015 for over a year with Equifax. It is still be verified as my debt even though I have provided Equifax with an identity theft affidavit. I have also provided Equifax with two police reports of identity theft. I have even provided Equifax with the notification to the collection agency to cease and desist. <P/>This reporting by Equifax has ruined my credit and has harmed me irreparably. <P/>I have called and even purchased the credit monitoring service to no avail and still Equifax is stating that my information is being verified by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A.
State: MI

Complaint narrative:
WE fell behind on our mortage a few years ago. Step forward program helped us save our family home. SInce this program we have been faithfully paying our mortage. I also thought PNC would lower my current 8 plus interest rate. The problem is since this happen I have contacted PNC Bank to get them to remove my loan from the foreclosure level without any luck. I have spoke to managers on several occasions and they keep telling me the same excuse, they cant help me or another manager needs to fix this issue. Meanwhile my credit is still not bouncing back > What more Can I do to improve my credit rating so I can get a lower interest rate from someone else since PNC wont help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
sent to BANK XXXX XXXX, XXXX Comenity Bank : Account XXXX was closed by me in XXXX XXXX within the 30 days given to do so, via a telephone call to the bank. Account XXXX was closed as the card is being discontinued and I received a XXXX XXXX XXXX to replace the XXXX XXXX XXXX I come to find the account was not closed till XXXX after I returned a statement explaining the account was closed. Simply sending the statement back with the words ACCOUNT IS CLOSED on the statement. I assume it was never closed when I initially called and closed the account in XXXX / XXXX XXXX to a XXXX XXXX XXXX representative @ XXXX When I log into my XXXX XXXX account online and it shows a {$0.00} balance for a card that was closed in XXXX XXXX ( see enclosed screen shot ) I assumed when looking at my account online my balance was {$0.00} as per your website never seeing a balance or additional charges. Why can I still log into a closed account from XXXX and not an account the bank shows me owing money? Also when I log in online should it not show me my latest account information not information from an account closed in XXXX? Really not sure whats going on at this point. So I can log into he bank and see info on an account thats closed but not and account that was closed in XXXX which according to the bank now has a {$250.00} balance. Then on XXXX XXXX XXXX I get a letter stating I owe {$210.00} for some type of membership fee ( but the card was closed in XXXX XXXX? ) per my phone call to the bank. Can you please make sure any account I have is closed and there is no balance on any accounts with Comenity Bank. I closed the account in XXXX XXXX to avoid the membership fee and somehow the card was never closed as requested. The card XXXX has not been used so no membership fee should be charged. I can not even log into Comenity Bank and view this fee and additional penalties and charges My online account takes me to the WRONG account information. When I visit : XXXX XXXX XXXX shows me {$0.00} balance evidently on a account # XXXX. Which apparently was an old closed account/card from XXXX. I can not log into any account XXXX. Thus I had no idea the account was not closed. I need to have access to current information in order to see that the bank has a error pertaining to my closed account. Thank you for taking care of this and I will need a letter stating the banks mistake and showing a {$0.00} balance. Thank you for your time and handling this. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
simons still has not cleared credit files of collection attempts on my reports as per client all should be removed see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonded Collectors of Wisconsin, Inc
State: WI

Complaint narrative:
XXXX XXXX, 2017, I contacted Bonded Collectors in XXXX, WI., to try to set up a payment plan. XXXX, the agent I talked to, said he would not accept the $ XXXX/month that I offered and said that I would be in contempt of court and that my wages would be garnished if I did't pay this debt off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo, was contacted several times regarding a debt on my credit profile for {$3500.00}. 1 ) Provided the identity theft report/documents 2 ) Proof of resident and employment in VA ; therefore the account was open in Florida ... 3 ) Contact Wells Fargo again, again and again ; the retaliation was placing this derogatory information with XXXX XXXX XXXX ( XXXX ) and they are asking for {$380.00} to investigate. 4 ) My bank account was closed because of Wells Fargo. <P/>Please advise.

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 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The current balance is {$8100.00} ; last month 's balance was {$8200.00}. The interim payment was {$250.00} ; {$160.00} went to interest. Within the past hour, I called Synchrony Bank to ask for a reduction in interest and was told that nothing could be done. I was told that the Bank 's practice was to increase the interest charged as the balance increases. How can the balance be reduced under these circumstances. No doubt this method of operation is applied to all of their credit card offerings. This is usury. Needless to say, I have stopped using the 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