vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hi, on XX/XX/2021 Carringtom mortgage services LLC informed me about the quote of new home Insurance, and the new mortgage analysis of $ XXXX, they told me that the old Insurance went up, so I called them back to remind Carringtom that I have 30 days to keep the old home Insurance or if I get a new one, on XX/XX/2021 I informed Carringtom that I changed the new XXXX XXXX, so they fixed and informed the new analysis of $ XXXX, so on XX/XX/2021 Carringtom change the mortgage house payment again they increase the analysis to {$400.00}, this time Carringtom says that because the house is in flood risk, after I investigate on FEMA web site ( Documents attached ), my home address is NOT in flood risk area, XXXX XXXX  XXXX XXXX Tx. XXXX. Since XXXX mortgage  bank transfer the loan to Carringtom, I have to file a complaint against this company, and on 2021, on CFPB I already filed 3 complaints against Carringtom, last complaint # : is : XXXX. 
I'm XXXX  and tired of this mortgage company,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-04-03 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' THIS IS MY SECOND DISPUTE. I AM A VICTIM OF IDENTITY THEFT AND I AM FURTHER BEING VICTIMIZED BECAUSE THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX.REMOVE THESE FRAUDULENT ACCOUNTS AND KEEP THEM OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Good morning. I sent money through ZELLE but the person changed the phone number. How can I change the number or cancel the transaction to correct it? Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: MD

Complaint narrative:
Alerts/Unauthorized access to credit report/changes

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 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Received the usual XXXX  letter from Equifax requiring more information BEFORE they could fix my account. How pitiful these souls are. The have my unique last 4 SS ID, My Name, TC, ETC, ETC on th actual complaint form which they themselves have been able to use as have other Credit reporting Agencies. Opinion a ruse to discard doing anything in a timely manner or pathetic incapable staff! and still want me to sent proof. Well let me ask you this- supposed I stole that ID. They do not know who the XXXX I am. With the internet ripe with fraud and scams all our information if blatantly available to anyone. Now sadly this so called Consumer Protection agency will send me an email saying this is a duplicate BUT they never consider they never repair the problem to begin with. Yes how blatantly fraudulent are these people bordering in my opinion total arrogance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
I ordered a item online, through my PayPal credit account on XX/XX/2021, and I cancelled the order within 24 hours of purchase. I received emails from the merchant " not '' acknowledging the request to cancel the order. I was still billed for the item, so I filed a dispute with PayPal through their resolution Department and I received an status email back stating my dispute did " Not '' qualify for a dispute? Since when in America, in accordance with American Consumer Law, does a citizen have to pay for a cancelled order? I actually cancelled the order within " 10 '' minutes of ordering it, but I am still being billed for the charge on my credit account. IT was a split payment, but [ t ] hat is an option PayPal gives the customer on how to pay if the customer wants to do it that way. I am prepared to file a complaint with the FTC and XXXX ( which I already did with XXXX ), this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
the old linked card expired. American Express deleted the old student card linked to the prepaid card. I tied to link the new card to this account and i needed to verify trial depsoits there app refuses to verify trial deposits. That after 10 times exceeded American Express wont let me add the same card there requesting a new card which i told them I can not get a new card. They blocked me from adding the card linked.. American Express new system is being complicated. I let here reps know that there system new system is complicated and will not let log in from there website. I can not make deposits Americn Express system being complicated and will not let me send my school funds over from the linked card to their account not unless i get a new card. There fraud department said it exceed 10 ten times. I told them its not my fault that there system will not allow me tto do so. its there system they should of kept the old system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX  cc was paid off in full over 10 years ago and it shows up as charged off which is completely incorrect! And why is it even still showing after 10 years! They keep offering me cards but because of the foreign verbal gap I prefer not to have the card again and it seems because I wont accept they offer they put this back on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
I am reaching out seeking assistance in dealing with our mortgage provider. We are XXXX XXXX XXXX XXXX XXXX providing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We were severely impact by the pandemic shutdown last year and were unable to make our mortgage payment. The provider agreed to a forbearance plan. Now they sent us a repayment plan with a monthly payment that is more than double of what it used to be prior to the pandemic. I reached out to them and they said there is no other option. There is no way we can pay the amount of the plan since it is more than our monthly income and more than double of what it used to be before our business was impacted by the pandemic. We need help to get them to agree to a reasonable payment amount so we can keep our home. Please advise on how you may be able to help us or what else we can do? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After months of trying to repair our credit reports they still can not get it right. XXXX. Perhaps it is because they process off shore and while people speak English they do NOT comprehend it? Report XXXX STILL INCORRECT- REFLECTING INCORRECT BALANCES PAID TO ZERO A MONTH AGO! DISPUTES STILL NO NOT HAVE OUR SIDE OF THE ISSUE! AND OUR CREDIT SCORES STILL DISMAL! Why becuase they get thise they can never get it right NEVER becuase they only rrreprot what these loser banks and lenders snd when they send it. They in my opinion totally bias toward them and XXXX the consumer ans does the so called CFPB! Fact by nature of works or NOT! Of course all the XXXX on my report ipacts my wife. Evil knows what to do don't they?

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 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Throughout the month of XXXX i've called Experian over a dozen times to file a dispute i recently looked at a copy of my credit report and noticed several incorrect accounts which are XXXX and XXXX reporting with no credit limit, no high balance and reporting of 120 days late back to back month, i spoke with XXXX to express my concern and she was very rude, dismissive and unprofessional and said she cant dispute those times, so i requested a supervisor, i spoke with a male supervisor XXXX and he said he will not remove or dispute any inaccurate information and began to argue with me for approx 15 mins, he used intimidation tactics.

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 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I reported an invalidated debt on my Transunion credit report from the credit reporting agency, XXXX XXXX. This company has failed to report an accurate account of the balance, and has not removed this derogatory remark from the credit file. Further, this account has been paid in full - Confirmation # 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 2021-04-03 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/2019 I closed the account with Ally Financial. It was suppose to be a settlement because I did know it affected your credit but I called them and Paid The Full Balanace. No settlement was done. XXXX  still has my account with Ally Financial as Close in Settlement and remarks " account paid in full for less the origina Balance ''. I tried disputing multiple time with Ally Financial and XXXX  but nothing has change. I have a Letter from Ally that proves The accoun was paid in full without going to settlement, I tried sending that letter on my dispute to Experian but that did not help. Just today i received the results from my last dispute ( 4th total ) and nothing changed. Account still says dellinquent, settlement.

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 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
THERE WERE AN ACCOUNT OPENED IN MY NAME A FEW YEARS BACK I BELIEVE THE NAME OF THE BANK WAS FIDELITY AND THE ACCOUNT WAS CODED AS FRAUDULENT. WITH THIS ACCOUNT BEING CODED AS FRAUDULENT MY ACCOUNT THRU ANOTHER BANK CLOSED MY BILL PAY ACCOUNT BECAUSE OF THIS. I HAVE MADE SEVERAL CALLS AND LEFT SEVERAL MESSAGES TO THE FRAUD DEPARTMENT AT FISERV TO GET THIS REMOVED. BUT A MONTH LATER NOBODY HAD RETURNED ANY OF MY CALLS AND THE MATTER IS STILL OPENED. I WANT THIS ACCOUNT CLEARED FROM MY NAME AND SOCIAL AS IT WAS OPENED WITHOUT MY APPROVAL AND IT NEEDS TO BE DONE ASAP AS IT IS HARMING ME.

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 2021-04-03 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: NY

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: SC

Complaint narrative:
most recently, on XX/XX/2021 I am a authorized user on a XXXX XXXX credit card, and Experian has repeatedly failed to abide by CRA and FCRA guides, specificity Furnisher Rule 660.4 ( a ). I have spoken with the creditor and their direct response has been " XXXX XXXX 's normal business practice is to send account information to the credit reporting agencies 2-3 days after the billing period ends, and the information should be the same that is on your statement. XXXX XXXX  may report consumer accounts to three Credit Bureaus : Experian, XXXX XXXX XXXX  However, we have no control when the CRAs update their information. '' Now I have been an authorized user for quite a few months, and it has been successfully reported across all another reporting agencies. and still no information regarding my account is being reported at all.

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 2021-04-03 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: NY

Complaint narrative:
hi, i have contacted Experian numerous times since there are several inquiries on my credit report that i did not authorize and they refuse to investigate and remove unauthorized inquiries on my credit report, they keep insisting that these inquiries are staying on my report for 2 years. 
These are the following inquiries that i do not recognize and did not authorize. 
XXXX  XXXX, XXXX  XXXX  XXXX, XXXX Card, XXXX  Card, XXXX  Card, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Credit, US Small Business Admin, XXXX Card, XXXX XXXX, XXXX Card, XXXX XXXX XXXX, XXXX Card, XXXX, XXXX Dept of Justice, XXXX Card, XXXXn Thank you for your help

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 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Credit Control
State: CA

Complaint narrative:
I had no recollection of this debt with continental credit until I saw it on my credit report a few years ago. They never reached out to me, yet, they kept accruing interest on my account with them. I called them and asked to pay the original amount owed. They refused. I told them they never contacted me. After that, still never received contact and two years later I call again trying to rectify wanting to pay original balance since it was unbeknownst to me I even had this medical debt. The rude woman refused, threatened. Said she didnt have to send me notices. I feel it is sneaky way of trying to over inflate a debt so they get more money when they never contacted me in the beginning when they first got the debt. How is the good business or fair practices. They are no better than a loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: NY

Complaint narrative:
hi, i have contacted XXXX  numerous times since there are several inquiries on my credit report that i did not authorize and they refuse to investigate and remove unauthorized inquiries on my credit report, they keep insisting that these inquiries are staying on my report for 2 years. 
These are the following inquiries that i do not recognize and did not authorize. 
XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX Card, XXXX  Card, XXXX  Card, XXXX  of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  Card, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Card, XXXX, XXXX Dept of Justice, XXXX XXXX XXXX Thank you for your help

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 2021-04-03 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: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I reported an invalidated debt on my XXXX  credit report from the credit reporting agency, Congress Collection. This company has failed to report an accurate account of the balance, and has not removed this derogatory remark from the credit file. Further, this account has been paid in full - Confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I DISCOVERED ON MY CREDIT REPORT THAT THERE WAS A COLLECTION ENTRY FOR COLLECTIONS FOR I GUESS INSURANCE FROM XXXX XXXX. I HAVE INSURANCE FOR THE PAST 4 YEARS FOR MY AUTO AND HOME AS WELL AS LIFE INSURANCE THRU XXXX XXXX. I CONTACTED XXXX XXXX AND THE COLLECTION AGENCY TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT BUT TO NO AVAIL NOTHING HAS HAPPENED ALL THEY WANT ME TO DO IS PAY THEM THE MONEY. THIS NEEDS TO BE REMOVED IMMEDIATELY AS THIS WAS NOT APPROVED BY ME. I DID NOT AUTHORIZE THIS INSURANCE COMPANY TO INSURE VEHICLES THAT ALREADY HAVE INSURANCE ON IT. THIS IS FRAUDULENT. I HAVE ATTACHED A POLICE REPORT AND FTC AFFIDAVIT

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Company involved closed my account on XX/XX/2021. Had a {$9000.00} credit limit in good standing. No late or missed payments, always paid on time and was paid off early. Could not get an honest answer from anyone. Asked for supervisor and all he said was my account was closed because of past credit problems. Now my credit score dropped 27 points.I originally got this card to help with my credit and it had but now my score is lower than what it was before even having this card.Why was I approved in the first place if it was because of past credit issues and then close account and tell me it was because of past issues. Doesn't make any sense. Now as I stated my score dropped 27 points. My girlfriend is also on this account and her score only dropped 2-4 points. All the supervisor told me was that they can close an account at their discretion at any time and he hung up on me after having to call them back 3 times because of being on hold for over 16 mins. I realize my score will drop after a closed account but 27 points. They told me there were certain standards that they go by but when I asked them they couldn't or wouldn't tell me what they where.

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