vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I have been a customer of XXXX XXXX  for 25 years, although originally XXXX XXXX. I can say that the customer service and operations of the bank have gone completely down hill since XXXX was acquired by XXXX. 

I had a overdraft line of credit from XXXX XXXX  on my checking account, which I had for nearly 20 years. That account had fraud on the account, and needed to be closed. At that time, I was unable to use my overdraft line with my new account. I paid the balance down to {$4.00}, but was unable to pay the final balance online from my account as I have done for 20 years. Since I was unable to pay and I did not receive a payment due notice, I did not make a minimum payment, which would have been {$0.00} or less, based on the balance. This occurred in XXXX of this year, right as Covid 19 was becoming an issue and as bank branches were closing. 

I downloaded a credit report in XXXX due to a potential loan for a boat and realized there was a 60 day late payment on my account from XXXX XXXX. I was not notified there was a payment due, the payment was late or they were adding late fees of {$5.00} per month on my account. I had significant funds in my other 6 XXXX  accounts to be able to pay the balance, which I wasn't able to do through XXXX 's website or normal channels. I spoke to TD and on the phone, they were able to have the balance paid from my existing accounts in XXXX. They requested I send a letter, which I did, to dispute this from my credit report. In the prior 25 years, I had never made a late payment to XXXX XXXX or XXXX XXXX  on any of my loans. They responded with a from letter that the dispute was rejected. 

This negative payment, the only one on my credit report, is causing my credit score to be as much as 40 points lower than it should be. It is causing me to have significantly higher on any loans I have applied for, including a recent RV, which caused my interest rate to be 8.5 % versus 5.99 %, meaning I would be paying an extra {$500.00} per month for no reason. 

I tried reaching XXXX Customer Service last week and spent 5 hours being bounced around, having my calls dropped and never being able to speak to the correct person to try and get this dispute resolved. I believe this both a violation of standards a bank should use in allowing customers to pay their bills, to notify them of potential violations before it would affect their credit or using common sense to avoid an issue with a 20 year client. 

I am hopeful the CFPB can at least get me to speak to someone at XXXX XXXX  to get this resolved.

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 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
We had filed forbearance on XX/XX/2020 for COVID-19 coronavirus relief. It was approved by Flagstar and mortgage company. Now we are receiving letters that we should pay immediately back to back amount estimated XXXX Dollars. My business was directly affected by this virus and I would like to use this forbearance until coronavirus subsides and business restores fully.

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 2020-08-12 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: WA

Complaint narrative:
Hi There, After reviewing my credit report, there is some of inaccurate information reporting on my credit profile. I have reach out to Creditor as well as 3 Credit Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mines. I am a victim of Identity Theft. I also reached out to Credit Bureau 2 months ago almost with no response. I am asking for these item to be removed that does not belong to me.

See Attachments.

Thank you

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 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They keep calling me while I am at work and I have asked them not to call me during working hours and they do not listen. They call me at least 5 - 7 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XX/XX/2020 I had reached out to Capital one with the issue of not being able to pay my monthly bill on time due to the Covid-19 issue going on. I had been out of work for 3 weeks so money was tight. When I called them I was told my next payment of {$240.00} was due on XX/XX/XXXX. I was not able to make a payment of {$240.00} on XX/XX/XXXX but did so on XX/XX/XXXX with a payment of {$250.00} bringing my account current. My account was marked 30 days late in XXXX even after I had talked to them about pushing my payments back and still bringing my account current during that month. I reached out to the company again trying to plan with them I am a XXXX veteran trying to buy a home and because of this mishap it brought my credit scpr down over 100 points. After speaking with 2 different representatives both of them  came to the same conclusion that there was nothing they can do. Even after all of their heartfelt Covid 19 relief messages they are there for no one but their selfs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
As to what happened, I have described this in details including all documentation in the document attached called " Mail XXXX XXXX XXXX ''. 

My dispute with PayPal is described in details in the document : " Dispute History of PayPal Dispute XXXX '' and my further chat with PayPal is described in details in the document : " Chat with PayPal from XXXX to XXXX '' I am filing this complaint against PayPal, who facilitates financial transactions between dubious XXXX vendors who use a convoluted business set-up in the US leaving the American consumer with little to no chance of getting their money back because the business set-up used cuts the legal obligations between the XXXX XXXX and the American consumer, because there is a middle company between the American consumer and the XXXX company and this is unknown to the American consumer at the time of purchase. Use of the middle company in California seems to have no other purpose than to make it more complicated for the American consumer to deal with the aftermath and logistics when the products don't show up at all, are damaged or show up and are then not at a good quality. 

Furthermore, the American consumer is being lured into thinking that they are placing an order with an American company and not a XXXX XXXX, and the XXXX company XXXX Co exhibits deceptive marketing by advertising Father 's Day Hot Sales and then products are being shipped on a slow boat from XXXX and are delivered over a month after Father 's Day in the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I got scam by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX told me to send her {$650.00} via XXXX  XXXX  on XXXX. I was able to sent {$400.00} via XXXX  XXXX  the XXXX XXXX was adamant that I need to send her {$250.00} to complete the total of {$650.00} via venmo. I paid the total amount of {$650.00} for XXXX  reading and XXXX  since she was going to remove the XXXX  on me. On XXXX XXXX XXXX called me again that I need to put {$2500.00} downpayment for the materials she needs and the church is helping to remove the XXXX  but I need to put {$2500.00} as downpayment and she will return my money within 10days I sent the money through venmo. Since venmo has no limit consumer protection program I was able to send {$2500.00} to XXXX XXXX. After I noticed that she just scammed me I filed a report with venmo if they can return my money back and venmo denied my dispute. Something needs to get done with the scammer and venmo and XXXX  XXXX  need to have a better proctection to protect innocent customer like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: MECHANICS BANK
State: TX

Complaint narrative:
In XXXX of XXXX, I paid my auto loan account off that was held by XXXX XXXX. Upon completing a home loan application in XXXX of XXXX, I was denied due to a derogatory charge off account on my credit report. Upon review, I discovered that my paid in full account for XXXX XXXX  was being reported as a charge off and not as a satisfactory paid in full account as agreed upon with XXXX XXXX. I have contacted the company several times to get this issue rectified to no avail. My final email was forwarded to the company on XX/XX/XXXX and no one at XXXX XXXX is willing to assist with this erroneous information being reported on my credit report. I have a clear title to my vehicle and XXXX XXXX has failed to uphold to the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: MI

Complaint narrative:
My Name is XXXX XXXX my number is XXXX I have not been able to do anything or get anything with my credit report because of identity theft which I have filed before back in 2003 and still on and off. So hopefully I can actually get some assistance with this this time last time the change XXXX XXXX XXXX with identity theft but no credit agencies fix my credit but yall keep allow him to get stuff in my name even after I have reported it. Know hes back to his old tricks and I found out hes up to it again. His current address I found out is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX North Carolina XXXX. And phone number XXXX XXXX XXXX XXXX also have aliases

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: MI

Complaint narrative:
My Name is XXXX XXXX my number is XXXX I have not been able to do anything or get anything with my credit report because of identity theft which I have filed before back in 2003 and still on and off. So hopefully I can actually get some assistance with this this time last time the change XXXX XXXX XXXX with identity theft but no credit agencies fix my credit but yall keep allow him to get stuff in my name even after I have reported it. Know hes back to his old tricks and I found out hes up to it again. His current address I found out is XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX North Carolina XXXX. And phone number XXXX XXXX XXXX XXXX also have aliases

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2020 To Whom This May Concern : I've spent last three days starting on XX/XX/XXXX trying to find out why my Vantage Score displayed on the XXXX XXXX XXXX dropped from XXXX to XXXX practically overnight. I've contacted Experian who is the credit bureau connected to the XXXX XXXX XXXX website and XXXX Customer Service then XXXX  XXXX  Specialist Unit and also the XXXX XXXX XXXX Customer Service. I've ordered all my credit reports from all the three credit bureaus and there wasn't anything significant on any that would indicate a decline of XXXX points. I have disputed a few minor discrepancies such as wrong telephone numbers or addresses and they were addressed. I have also been told by the credit bureaus that my score was unavailable with no explanation. I've never made a late payment on my only credit card, XXXX XXXX or applied for a loan, mortgage or anything as of the like, period. I've asked for advice from XXXX and Experian and was told to ask a Licensed Credit Advisor. I'm on XXXX XXXX XXXX and by no means can afford to pay a Credit Advisor. Someone needs to give me an explanation for all this confusion and take responsibility for this mistake or mix up. 

Sincerely, 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 2020-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc.
State: UT

Complaint narrative:
I was approved for a student loan back in XXXX of this year with a great interest rate. I reapplied in XXXX to get a similar loan and was offered a rate about 4 % higher. I've called numerous times and have been passed around multiple departments. The only answer that I've received is that I no longer qualify for that rate. They will not provide me any information regarding what I need to do to qualify for that rate. They mentioned that my credit score could have significantly dropped. However, all payments have been made on time. My XXXX  monitoring service actually shows my credit score has increased since I took out the previous loan in XXXX. Their only other answer is that it's all a software that decides, and they don't actually know why some of the differences in rate occur. They have given me the run around and haven't provided me any information with the reasoning I do not qualify for their best advertised interest rates. I'm now at the point where tuition is due, so I'm either required to get a loan 4 % above market or apply through a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
A loan request was started with USAA. During the wait for closing date, i found a better interest rate which would assist me in the long run. I had paid for a VA appraisal with USAA, this cost me XXXX dollars. Now i am going with XXXX XXXX for financing and i have requested two different times for USAA to transfer my appraisal through the VA portal to the new lender. i a gave them the lender ID and contact information and nothing has happened. 

Could you somehow please help me with getting USAA to transfer My VA appraisal over to new lender?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-08-12 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: Professional Recovery Management
State: TX

Complaint narrative:
I got my credit report and fox collection is reporting I owe XXXX 
And am not sure why I never conducted business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I got scam by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX told me to send her {$650.00} via cash  apps  on XXXX. I was able to sent {$400.00} via cash  apps  the XXXX XXXX was adamant that I need to send her {$250.00} to complete the total of {$650.00} via XXXX. I paid the total amount of {$650.00} for XXXX  reading and XXXX  since she was going to remove the XXXX  on me. On XXXX XXXX XXXX called me again that I need to put {$2500.00} downpayment for the materials she needs and the church is helping to remove the XXXX  but I need to put {$2500.00} as downpayment and she will return my money within 10days I sent the money through XXXX. Since XXXX has no limit consumer protection program I was able to send {$2500.00} to XXXX XXXX. After I noticed that she just scammed me I filed a report with XXXX if they can return my money back and XXXX denied my dispute. Something needs to get done with the scammer and XXXX and cash apps need to have a better proctection to protect innocent customer like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-08-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
I have disputed over and over again they telling me I cant dispute it anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: WA

Complaint narrative:
Hi There, After reviewing my credit report, there is some of inaccurate information reporting on my credit profile. I have reach out to Creditor as well as 3 Credit Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mines. I am a victim of Identity Theft. I also reached out to Credit Bureau 2 months ago almost with no response. I am asking for these item to be removed that does not belong to me. 

See Attachments. 

Thank you

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