vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 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: Colony Brands, Inc.
State: GA

Complaint narrative:
I have advised XXXX of the erroneous reporting of these accounts multiple times and they keep reporting this incorrect information. XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  have all refused to update the information even after I have provided verification of payments to satisfy these accounts. The problem clearly lies with XXXX  because I don't believe they are contacting any of the agencies and verifying any of the information.I want these accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have recently discovered that Wells Fargo opened a Fraudulent credit line in my name without my authorization. I have contacted Wells Fargo customer support and was of course confused at first not looking into or being knowledgeable about the big scam and I made a case about it, and they did an " Investigation ''. Wells fargo concluded that I willingly opened an account and they left a note on my credit score that I'm in debt to them. Now I can not open a creditline or get approved anywhere, I had no  previous credit history before so I imagine that made me a target for them. In late XXXX at a height in the scandal I was XXXX years old and at that time I was not interested in opening a credit line, although I had a debit card, not with wells fargo. According to them The account was opened XX/XX/XXXX the same Month of my Birthday. I also had been out of the country one month later, I left in XXXX and had no credit lines opened to my knowledge. I have researched on the fraudulent scandal Wells Fargo committed and how many citizens were affected I don't only feel concerned for myself but offended for the other people who had to go through this. I would like to find a way to get this off my credit score and have Wells Fargo harassment stop. Because they now want to collect roughly 1,200 dollars that I never used.

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 2020-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was paid in full on XX/XX/19 in the amount of XXXX. I advised Equifax of the payment and requested that the account be updated. Equifax is still reporting this account as unpaid for the amount that has been satisfied. XXXX XXXX has been paid and is refusing to update the information with Equifax. It was paid to them directly and not to any third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
TD Bank negligently attached my social security number to someone elses account. I need to know what information regarding this account was furnished to the iRS and local and state tax entities with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: NY

Complaint narrative:
XXXX XXXX XXXX was deleted from my Experian credit report back in XXXX of XXXX. ( Please see attachment for further details. ) Even though first premier Bank account # XXXX was deleted from my Experian credit report on XX/XX/XXXX account now shows a verified and updated status as of today XX/XX/XXXX. How is this possible?? 
Where is Experian getting its information from?? 

This is a violation of ( FCRA ) ( Please see attachment for further details ) This account has been reinserted onto my Experian credit report between XX/XX/XXXX and XX/XX/XXXX without notification within 5 business days of reinsertion. This is a violation, I demand that this account must be deleted from my Experian credit report immediately. 

: With an unverifiable balance a violation, delete account immediately : XXXX XXXX XXXX currently reports incorrect last date of payment on my Experian report. A violation. Account immediately : XXXX XXXX XXXX currently inaccurate & misleading last date of activity. A violation, remove account immediately :

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 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA

Complaint narrative:
Our Mortgage was originally with XXXXXXXX XXXX. Unfortunately there were some health issues in XXXX and XXXX that caused us to start falling behind. We requested a modification to the loan - at this time we were only 45 days past due but trying to keep up with the regular payments. XXXX XXXX started the modification process, however in the 3rd month of  our modified payment trial XXXX XXXX  sold the loan to Bayview Loan Servicing LLC. We were told by XXXX XXXX that Bayview would honor the modification. Bayview did NOT. We started this process in XXXX of XXXX with XXXX XXXX  As of today XX/XX/XXXX the modification is not complete with Bayview. We are making our modified payment to Bayview on time each month yet we are told that there is one thing or another preventing the modification. The latest challenge has been the home equity loan we have on the house, Bayview needed the credit union to subordinate the title. We spoke with the Credit union and they sent the required document list to Bayview in XXXX of XXXX. As of this date XX/XX/XXXX Bayview has yet to send the correct documents to the credit union to finalize the modification. The fear now is that all the money we sent to Bayview that was put in suspense will be eaten by fees and charges rather than going towards the loan. We have requested a transaction report several times but have received nothing. I am attaching a detailed timeline of events document to this complaint as it is too large to type into the window provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect. Debt was removed and keep reappearing in error in 2019 ( {$460.00} 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 non-monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
For the past six years I've tried to have Chase bank correct my name on all communications sent to me. They have someone's name linked to my online profile. This is very concerning and it seems as if no one there knows how to fix the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14 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:
I received a credit alert that a new hard inquiry was placed on my Transunion credit report on XX/XX/2020. I called Transunion the next morning and spoke to two different reps to try to get the inquiry removed. I already had a fraud alert in place on my report prior to this, so I thought removing the inquiry should be no problem. Neither one of the reps would remove the inquiry and stated that I needed to contact whoever placed the inquiry on my report. The inquiry was from XXXX, so I contacted them and they state that I have to do a list of steps just to get the inquiry removed, one of which is filing a police report. I believe this is very excessive and not fair to me as the consumer. Why must I have to go through all of this for them to remove an unauthorized inquiry?

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 2020-02-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My complaint is regarding the scoring model that is currently used by TransUnion Credit Reporting Agency. Although I am aware of facts that the three agencies may have 100s of models to extract and score, there remains an embedded error in their scoring models. Transunion is scoring consumers on a irregular basis ; i.e. bi-weekly. Thus, creating an environment that will curtail the consumer the " right '' to gainfully make large purchases. 

Two weeks ago, I made a payment on a credit card ; thus reducing the balance. The card was not closed. It was paid down. On XX/XX/XXXX, I received an email notification that TransUnion reduced my score by 77 pts. The reason for the drop was " balance decreased by {$100.00} ''. I paid down a credit card. It was not closed. On XX/XX/XXXX my score was XXXX. HOW??? Not only is this negative action, outrageous ; it is absolutely unconscionable. TransUnion scoring model is design to keep consumers economically depressed and it can be a financial suicide for some.

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 2020-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was paid in full to XXXX XXXX on XX/XX/20 in the amount of XXXX. It was paid directly to XXXX XXXX XXXX and not a collection agency. The account is paid in full and has a XXXX balance. I have verified this several times with Equifax and they refuse to correct the information. XXXX XXXX has also refused to verify the correct information with Equifax as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: IL

Complaint narrative:
On XX/XX/2020, a representative from ERC spoke at legnth with my spouse regarding the alleged debt they claim is owed. This is in violation of 15 U.S. Code 1692b.regarding the disclosure of a debt to a third party. I have since mailed a cease and desist letter to the company and asked for validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I Submit through the mail to Experian XXXX and XXXX XXXX Deletions to credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless

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 2020-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On or around XXXX I started paying additional on my mortgage each month this continued into XXXX. Although it was written as one check ; I fully expected that the additional would appropriated accordingly. Instead it was placed and held in a " suspense account '' to the tune of almost {$10000.00} over the years, of which I knew nothing about. Some was credited to my escrow account ; Which created large surpluses that WERE NOT REFUNDED back to me, but again placed into a suspense account. examples below : XXXX XXXX - {$1200.00} Surplus Placed into a suspense account XXXX XXXX - {$1700.00} Surplus Placed into a suspense account XXXX XXXX - {$960.00} Surplus Placed into a suspense account XXXX XXXX - {$900.00} Surplus Placed into a suspense account In addition to the above I paid roughly {$5000.00} more that was credited to the suspense account. The statements that I was given by PNC Mortgage after demanding an audit of my account show no disbursements from this mysterious " suspense account '' that I knew nothing about, and never received so much as a statement for. I have in-fact contacted PNC on numerous occasions. Most recently I was referred to their executive client relations team. In the 18 months since I was put into contact with t Executive Client Relations they have offered nothing but excuses, and outright misinformation at all levels of their firm as to a solution to the problem. This issue is stll yet to be resolved. It is my hope that working together we can reach a solution, and prevent this from happening to consumers in the future, and help those that may have similar experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Synovus Bank
State: GA

Complaint narrative:
This account was paid in full to First Progress on XX/XX/20 in the amount of XXXX. It was paid directly to First Progress Card and not a collection agency. The account is paid in full and has a XXXX balance. I have verified this several times with XXXX and they refuse to correct the information. First Progress has also refused to verify the correct information with XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I was approved at XXXX for a loan modification in XX/XX/2019. My loan was then sold to SHELLPOINT MORTGAGE SERVICING in XXXX of 2019. Then my three trial payments got mixed up. The first trial payment I sent to XXXX in XX/XX/2019. I had trial payments set up with XXXX. They were supposed to automatically take the payment out. 

The payment did not transfer over. I realized in XXXX that the payment was not withdrawn and I called SHELLPOINT. They withdrew the automatic payment that was due for XXXX. I should not be considered late SINCE it was within the 60 day transfer period. 

At that time, I set up the next automatic payment to be withdrawn the end of XXXX. Shellpoint DID NOT withdraw the money. Now they are not permanently modifiying my loan. Because of this my  loan is back in foreclosure. It was their fault that they did not do the automatic payment. I tried to have the woman take the payment out and nothing. 

I need help getting this modified permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: OH

Complaint narrative:
HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

MIDWST RCVRY OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}

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 2020-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: A-1 Premium Acceptance, Inc.
State: KS

Complaint narrative:
my chapter XXXX bankruptcy was discharged which included an account held by King of Kash. I am constantly receiving calls/emails from this company demanding payment although the account has been discharged. I consider this a violation of my protections under bankruptcy and ask that the company be held liable do to their attempts to collect this debt. I ask that they immediately remove my email, telephone number and any other applicable information regarding this account and discontinue contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I made a call to XXXX XXXX XXXX XXXX to cancel a trip. Back in mid XXXX ( on or around the XXXX ) I called to complain about a time share stay I had and they had tricked me into believing I was getting a free " courtesy trip '' for my trouble. 
After scheduling the trip they informed me this was going to be a sales pitch and not at a resort but a stay at a hotel and " any adult with me had to attend this presentation ''. 
I called about two weeks later and attempted to cancel this trip with them and was told I was two days too late to do so. 

I took the next step to call XXXX Chase Card Services to put this in dispute. The CS Representative advised me they would not put it in dispute via verbal complaint and I had to send it to the Executive office in writing with my documentation. I did this on XX/XX/XXXX. The Executive office had me fax it to another location as she stated this was a XXXX XXXX XXXX XXXX  issue and is handled elsewhere. She also advised it would take at least 30 days to get a response from XXXX. I followed her direction. 
I waited and after two months called to follow up as I had received nothing in writing. I finally received a confirmation letter in XXXX, Meanwhile Chase billed me several late fees and an Annual Renewal fee in XXXX. There collections dept. began calling saying I was incurring late fees and I needed to pay them. They also stated they had nothing in their system that a dispute was active. At that time I also had no correspondence that my complaint was in dispute status, I did not pay them this fee. I did not trust they would not turn around and put it toward the charges I was disputing and determine the rest had to be paid. I had advised them of this during their and my phone calls. I called the Chase directly and spoke with XXXX on XX/XX/XXXX after one of the above calls was received by me. He assured me he would handle it and gave me a case number XXXX I never received a final determination in writing from them and called them about the late fees that were charged to my account. They reversed the during that call on XX/XX/XXXX. They told me I had a XXXX balance for annual fees for XXXX. I paid that via phone and then the Rep told me the card was closed. This month XX/XX/XXXX I received a bill for XXXX. I called them and they said they reversed fees twice in error and this was the balance due. This has been a complete and total run around I have gotten from XXXX Chase Cardservices. I do not recommend them. One of my biggest concerns is that I have great credit and they put this on my credit report as a non payment issue vs disputed charges. In addition to charging a XXXX annual fee for a card they closed, none of this was put in writing as a final decision on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This same problem happened last XX/XX/XXXX almost on the exact same day. This must be a yearly thing for Experian. XX/XX/XXXX, Experian lowered my FICO score 25 points from XXXX down to XXXX only because I have NO BALANCES on my charge card statements. I have copies of charge card statements of this. IS this due to banks PAY OFF Experian to find any reason to lower my FICO score so banks and finance companies can profit more money off of innocent hard working americans like myself??? It is Experian`s idea to pay in full all balances of my credits cards to obtain a great FICO score. So when I do as Experian says to do, I get penalized for paying off my credit cards. Seems like I have trouble with Experian every XX/XX/XXXX of each year. WHY is this???

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