vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 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: WY

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IL

Complaint narrative:
this is the second time i'm filing this complaint with cfpb, checkr background check has a eviction listed on their report belonging to me case number XXXX i have disputed this with them this does not belong to me after pulling the public records there is no personal information belonging to me such as my social security number is not listed on this judgement or complaint after speaking with the filing party they couldn't verify my social either this is being reported solely because of the name is similar not other proof or reasons to show this belongs to me after speak with checkr they keep saying this was verified thru public records but how when you can verify my social security number only being verified by name this is totally wrong and inaccurate please help with removing this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I do see there have been lot of changes made to my credit report when I disputed my late payment months. They are inaccurate for each bureau. Everytime I have recieved response from Bank of America that everything is accurate. But I see my credit report changed at the times I have disputed. I have asked credit bureaus many times about the months reported late. They responded it is what lender has reported. Why my credit report keep changing and lender still responds as no changes were made.CSR refused to connect to supervisor when requested. He was rude to me and hung up on me when asked to transfer call to supervisor. Also I have never recieved any statements to my old address from months XXXX-XXXX. They have hurted my chances of getting any other loans or credit cards.

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 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Once again, from my airline ticket that I purchased with Pay with Points on XX/XX/2019. American Express website states : " If you cancel your booking, Points will be returned in the form of statement credit. '' American Express is not honoring that online statement. They have acknowledged that their program information online does not align yet they are still penalizing me. Why do I have to pay for the flight AND a {$200.00} change fee to get my PWP back as is posted online under the heading : More about American Express Membership Rewards Points.  ( see attached ) If I have to pay for the flight then I should not pay the change fee - this is complete fraud. It clearly states that you can cancel your booking and Points will be returned. Why is this not being honored?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: NY

Complaint narrative:
These are not my accounts or inquires 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 non-monetary relief
Consumer complaint received 2020-01-21 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: C/C Financial
State: TN

Complaint narrative:
I established an agreement in XXXX to make payments via auto draft monthly. I was invited via email to take advantage of some payment arrangement options. I called in XXXX to accept the arrangements and make the payment requested. The first payment was made on that call. I opted in for the payment to be auto drafted from the account as they required. The collection calls and emails never stopped. Even after I made the payment in XXXX the company sent another collection email during the same month. The company send emails and calls me as well as my references weekly. I called into customer service and stated that if I'm currently in compliance why are the collection efforts continuing. I was advised that it's on auto dialer and there's no way to stop the calls and the only thing she could offer me is removing my references. I asked for a supervisor or member of management and I was told that there is no one available and I'd have to wait for up to 48 hours to be called back depending on what the issue is. I asked for a email or point of contact to request a resolution and I was advised that the option requested is not available. In addition to the continued collection attempts the company is reporting my account as late to the credit bureau monthly. They have reported my payment as being late to the credit bureau for XXXX as well as XXXX and the company has auto drafted my account on the date selected both times for payment as they required per the agreement.

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 2020-01-21 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I mailed certified documents to update my credit report with Experian and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to Experian, XXXX, & XXXX XXXX. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and Experian representatives hanging up on my while Experian continues to report innaccurate information. In 12 more days experian will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.

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 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XX/XX/2019 collection account placed on my credit profile for {$830.00}. 

XXXX 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 2020-01-21 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: NY

Complaint narrative:
These are not my accounts or inquires 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 2020-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of XXXX I discovered my account ending in XXXX was no longer available for view on my online account. I called Capital One and they informed me that my account was closed by the credit reporting agency due to my account being opened fraudulently. I never received a letter or warning regarding closure of my account my first time having any knowledge was when I called to inquire. Fast forward to XXXX Capital One has refused to reopen my card and is now reporting a new card ending in XXXX. I've never had a card ending in XXXX only XXXX. Is this legal? When I called to inquire why the card number was different they told me it was because of the " fraud '' placed on the account. I just want clarity why my account number was changed without my consent or acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
inquires I do not recognize on my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Ditech Financial LLC
State: UT

Complaint narrative:
Ditech # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of XX/XX/2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Today is XXXX XXXX I put in a dispute with American Express serve XX/XX/XXXX, today they declined my dispute and on top of everything declined to close out my account I have a XXXX and receive my government benefits direct deposit myself and son have medical needs I cant get his medicine because they also decided to take my money and close my account now Im struggling to figure out what to do very upset

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 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: UT

Complaint narrative:
XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of 2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: UT

Complaint narrative:
XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of XX/XX/2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.

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 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of 2018, however the new loan is also showing the same late. By law lenders are to give XXXX days for servicing transfer. I was never late and this should not have lates on it.

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 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XX/XX/2019 PHH Mortgage approved a short sale and sent out a short sale approval letter. The file was closed through the attorney 's office on XX/XX/2019 and funds were forwarded to the short sale lender on XX/XX/2019. On XX/XX/2019 the funds were returned to the attorney 's office and now the bank wants to re-evaluate the short sale and redo everything which can and will change the dynamics of the payoff for the file. 
We have been trying to get the money back to them since before XXXX, and we have been met with nothing but incompetence since the beginning. This is in true Ocwen fashion of not knowing what anyone is doing and then try to re-evaluate the property to extort more money from someone who has already purchased the property. Be prepared to have this file investigated, because I am reporting this incident ASAP. We have tried to be more than accommodating and have been willing to work with you to get the money back to you, and you guys continue to be ridiculously unprepared and incompetent.

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 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I got a notice from my report that they had closed my account ( XXXX XXXX XXXX  XXXXXXXX XXXX ) on the XX/XX/XXXX without my consent.I had this account for awhile and i would like for it to be open again cause its affecting my credit score

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 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
I applied for a refinance of my existing mortgage in XX/XX/XXXX, There was to be a 60 day closing, which did not occur, finally on XX/XX/XXXX we closed on the paperwork. A closing attorney was sent to me and we signed paperwork. I asked if I gave him the check for money due, he said no the lender would contact me with payment instructions. I waited and have to date XX/XX/XXXX not received said instructions, even though I have reached out to the company numerous times. As a result of them not funding my loan and paying off the prior loan I have now been late on a payment and received interest fees, plus credit reporting. Not too mention that the new loan is at favorable rate so I am also paying additional interest payments. The processing Officer is XXXX XXXX and the company Is Loan Depot. The paperwork for closing ( the Disclosure Statement ) was incorrect three times, now all the paperwork is outdated as I have had to make two additional payments, etc. 

I have contacted and gave them until today to get me the needed information or I was filing a complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX XXXX there was a quick pay from my end to someone I do not know. As soon as I found out, I called Chase. I was asked several times if I knew how or why this would of happened. I stated no, no idea. Do I know the person? No. Like usual my money was returned to my account. I had to close my account and get a new account and everything that goes along with getting a new account and closing the old. But now today XX/XX/XXXX I log into my chase online banking and I see that my old account is negative for the amount {$800.00} that was quick paid fraudulently. I call chase and was told that the quick pay was done from a device I use to make these types of transactions so now the funds were returned to the person that essentially stole from me. This is a poor attempt to resolve an issue. I was not even given a call or questioned. My account was just deducted and now sits negative. When I connected over to the executive office, they simply stated that phones and computers should have passcodes. Therefore I am held responsible for this {$800.00} transfer. I have pass words to my computers and face recognition on my phone. Still I was told that the answer is the same. I am out on my money and a thief wins!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Our mortgage was recently transferred from XXXX to XXXX XXXX. In XXXX, I contacted the company to insure that they would pay our XXXX property taxes as we escrow and have always had the mortgage company pay on our behalf. I was told that yes they would and that once they receive the bill from the taxing authority they would remit payment on our behalf before the due date of XX/XX/XXXX. On XX/XX/XXXX i went into our online account and noticed that our escrow balance had not been reduced by the tax amount. I called Customer Service on that date and was told there was an error on our account and the paperwork indicated borrower to pay. The rep took the information and assured me the issue would be corrected and taxes would be paid within 5 business days. After several more attempts and calls with customer service, we are now 2 weeks out and there is no resolution and i have received no follow-up. I keep calling customer service and told i would have a call with a resolution within 2 business days. We are now 10 days away from the final due date of property tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I set up recurring payments on Barclays billing website. I was under the impression that my bills were paid on a recurring basis. Barclays never initiated the payments. Barclays never notified me that any bills were overdue. I contacted the representative from Barclays, he agreed with me, reversed late fees and advised me to send a letter to Barclays Headquarters. They denied this claim. I initiated a complaint with XXXX  and also did not correct this issue. My credit has been flawless for the past 20 years. This caused a 100 point drop in my rating. This is a total violation of my rights as a consumer.

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