vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rodenburg LLP
State: ND

Complaint narrative:
Open up claim XXXX Apparently Rodenburg still has failed to provide all communications between me and XXXX XXXX XXXX. and has selectively selected a few correspondences of which I did not see enclosed to them only. I have repeatedly requested information and questions to be answered from XXXX XXXX XXXX who failed to response to those and failed to forward over to Rodenbury of which I have requested all communications and identification of legal entity due to risk of fraud. Please forward copies of those communications which explains the situation. XXXX XXXX XXXX needs to take ownership of their billing tactics in rejecting patients or harassing them upon entrance upon appointments.

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
About a month ago I applied online for a credit increase on my credit card. I have never missed a payment or have ever been late. My credit score is XXXX. I did not receive a letter or email of acknowledgement and they did not do a credit check on me, according to my XX/XX/XXXX hard inquiries. Monday, XXXX, I called the credit card company and they told me that I had been rejected and did not give me a reason, and no forthcoming letter arrived. I believe the credit card company is retaliating against me because I had a complaint with affiliated credit card that I also hold.

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: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've never had cc with Chase there on my XX/XX/XXXXit seems like Chase and XX/XX/XXXX are in couhotes together also on myXX/XX/XXXXXXXX shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2020 In XX/XX/2020 I reached out to WFB for a forbearance regarding my mortgage due to COVID 19. I was 2 months behind on my mortgage at that time. In speaking with the representative from home preservation I was granted forbearance for XXXX, XXXX, and XX/XX/2020. 

I spoke with the same Home Preservation Specialist twice. The first time was to ask for forbearance and inform her I was had late payments. I wanted to know if I'd qualify for forbearance with late payments? The second time was after she checked with management to confirm that my late payments would also be rolled to the back of my mortgage. In the second phone call, she assured me that my late payments would be rolled to the back of my mortgage along with my 3 months of forbearance for XXXX, XXXX, and XX/XX/2020. At the close of the conversation, the Home Preservation Representative said she made specific notes in my file and assured me both times we spoke that my late payments and my three months of forbearance would be put on the back of my mortgage loan.

I was contacted by WFB in XXXX for check-in and offered an extension on the forbearance until XX/XX/2020. 
In my conversation with the Home Preservation Representative, I explained I was 2 months late on my mortgage, and I was told by the 1st.representative that those late payments would be rolled to the back of my loan along with my 3 months of forbearance for XXXX, XXXX, and XXXX. At that time on the phone, I was assured that my late payments and forbearance would be put on the back of my loan for XXXX, XXXX, and XX/XX/2020 aslo. I specifically brought up my late payments with WFB and that home preservation specialist said she saw my notes and confirmed the information was correct. 

On Saturday, XX/XX/2020 XXXX from WFB called and said the investors were looking into my loan and they needed to do a document review and that I was miss informed about putting my last payments on the back of my loan. That I had 3 late payments and to bring the loan current for {$9600.00}, or I had a chance to go into foreclosure and that I was having problems making my payment before the forbearance and that's why the wanted to conduct a documents review. 

I explained my prior conversations with the last 2 Home Preservation Representatives with dates and in my notes it was documented that my late payments would be moved to the back of my loan. 

XXXX confirmed that the notes were in my file I can see those notes and they do say that but the investors said that was a mistake and they dont do that anymore. But I would feel the same way you do if about this. 

I did escalate a complaint with WFB here is my case number XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. 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 explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've never had cc with XXXX there on myXX/XX/XXXXit seems like XXXX and XX/XX/XXXXare in couhotes together also on my capital one shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've never had cc with XXXX there on my Experian it seems like XXXX and Experian are in couhotes together also on my XX/XX/XXXX XXXX shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I have tried to get my free annual credit report but have not been able to from XX/XX/XXXX when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. XX/XX/XXXX and transunion also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit 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 2020-11-18 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I have tried to get my free annual credit report but have not been able to from XX/XX/XXXX. when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. Experian and XXXX  also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit 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 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XX/XX/2019, I traveled to XXXX for my Wedding ceremony and spent a month and some weeks. I missed a payment because, unfortunately, I couldn't log in to my bank from XXXX due to security reasons to make my payments. I immediately made that payment once I returned to the US early this year. I spoke with the representative of Toyota financial services and explained my problem. They referred me to the credit bureau, who referred me back to Toyota financial. I hope you can get them to remove this negative statement since they both agree that the circumstances were out of my control. I don't think it's fair to suffer for this error due to distance and security. I offered to show proof of my travels, my ticket to and fro. I employ you to please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
i wrote my bank in hopes of recovering funds after having my money stolen by a con artist online i even went as far as getting a police report on the account i was advised by the bank teller. i was told by phone it was nothing that could be done i have mailed them before about the matter and nothing has happen about the guy stealing from me. i love my bank but this matter was mis handled and they didn't even have the police report they just said they cant do anything i just mailed it the day i got the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Granite Edvance Corporation
State: MA

Complaint narrative:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Ssachs has failed to investigate this matter instead just simply telling me different reasons over the last 6 months why this charge was valid. They have failed to listen, to document, and to investigate this matter. Per federal regulations, did not acknowledge my complaint in writing. The credit card company is legally required to investigate the dispute and resolve it within 90 days after receiving the claim. I filed the claim on XX/XX/20. I have not received any letter from them and any details to their investigation. They are way past the 90 days. They have reapplied the amount to my credit card and every-time I call I receive a promise of a manager to call me who never does. This is why I am reaching out to the FCPB and requesting your help to recover the original {$2800.00} and the penalty in the same amount for a total of {$5700.00}. Please note Apple has denied to give me my card number and you habe to look me up via my SSN XXXX. Card info : Apple Card - No Fees apply.applecard.apple/ issued by Goldman Sachs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX USED INFORMATION FALSELY/FRAUDULENTLY TO COLLECT STUDENT LOAN MONEY IN MY NAME AFTER I WITHDREW FROM THEIR COLLEGE TIMELY IN THE YEAR 2000. I NEVER ATTENDED THEIR COLLEGE OR RECEIVED ANY EDUCATION BENEFITS FROM THIS COLLEGE OR THE MONEYS COLLECTED BY THIS COLLEGE IN MY NAME. AS A RESULT OF THIS FRAUDULENT ACTIVITY ON THE PART OF THIS COLLEGE AND FRAUDULENT LOAN PROCEEDS THE LOAN SERVICERS OF THESE LOANS ECMC CONTINUES TO REPORT THIS FRAUDULENT LOAN TO THE CREDIT BUREAU IN VIOLATION OF THE FAIR DEBT CREDIT REPORTING ACT. ECMC IS A THIRD-PARTY DEBT PURCHASER WHO IS REPORTING AN OUTED FRAUDULENT DEBT FROM THE YEAR XX/XX/XXXX. I HAVE MADE NUMEROUS REQUESTS OF THIS THIRD-PARTY DEBT PURCHASER TO VALIDATE THE DEBT AND PROVIDE ME WITH THE ORIGINAL DEBT INSTRUMENT IN ACCORDANCE WITH THE FEDERAL DEBT COLLECTION AND REPORTING ACTS TO NO AVAIL. ECMC IS REPORTING FALSE INFORMATION TO REPORTING AGENCY IN REFERENCE TO THE DATE OF LOAN ORIGINATION, DEBT AMOUNT AND OTHER FALSE INFORMATION IN VIOLATION OF FEDERAL LAW. I HAVE PLACED ECMC ON NOTICE AND REQUESTED NUMEROUS DISPUTES OF THIS FRAUDULENT AND INACCURATE INFORMATION REPORTING TO MY CREDIT FILE AND ECMC HAS REPEATEDLY REFUSED TO FOLLOW THE LAW IN THE DISPUTE PROCESS EACH TIME. ECMC CONTINUE TO REPORT THIS ACCOUNT AS A OPEN ACCOUNTS AFTER 20 YEARS AND ALLOWS THIS TO MAKE MONTHLY LATE PAYMENT ACTIVITY IN MY ACCOUNT REGARDLESS OF THE FACT THAT THIS ACCOUNT IS TIME BARRED UNDER FEDERAL LAW. THEIR ACTION HAVE RACIAL UNDERTONE AND EVIDENCE BEHAVIOR OF RACIAL PROFILING AND WELL AS FRAUDULENT ILLEGAL ACTS THAT ARE PROHIBITED BY LAW.I REQUEST AN INVESTIGATION INTO THESE ACTIONS. 

THANK YOU 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE ALSO BEFORE YOU START THE INVESTIGATION BECAUSE WHEN THERE IS AN OPEN INVESTIGATION, WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS AFTER YOU HAVE COMPLETED THE INVESTIGATION. MY DISPUTE LETTER IS ATTACHED! MAIL ME AND MY DAUGHTER COPIES OF OUR FULL, COMPLETED, PRINTED CREDIT REPORTS TODAY! THEN AFTER YOU START THE INVESTIGATION MAIL US A NEW FULL, PRINTED COPY! WE HAVE ALREADY MAILED AND FAXED COPIES OF THE ATTACHED DISPUTE LETTER ON XX/XX/20 AND XX/XX/20 BUT HAVE NOT RECEIVED A RESPONSE, UPDATE, NOTICE OF INVESTIGATE, NOTICE OF CHANGE, NOTHING! NO FEEDBACK WAS PROVIDED AS OF TODAY 'S DATE!

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 — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: DC

Complaint narrative:
I am a federally protected consumer and I requested debt validation from FedLoan Servicing. I have not received proper documentation to confirm the validity of alleged debt.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

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 — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XX/XX/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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report withXX/XX/XXXX, XX/XX/XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report with XX/XX/XXXX Experian, and XX/XX/XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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