vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I noticed this inquiry from XXXX XXXX XXXX Automobile. This inquiry was placed on my XXXX report on XX/XX/2019 by this company. I do not have an account with this company and contacted them regarding this matter, in which there was no response. This inquiry is not on any other report only XXXX. I request that this matter be addressed and for the company to provide an inked statement of where and when this happened. I did not sign any documents with this company nor do I have an account with them. Companies like these make it a nightmare for consumers. This inquiry need to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX  and XXXX are reporting that my Frontgate account was late for the month of XX/XX/2020, however, I made two payments on the account in XX/XX/2020. One payment was dated XXXX {$180.00}, and the other was on XX/XX/2020. I was never 30 days late on this account. I have tried discussing this with Frontgate and nothing has been resolve. I have supporting documentation if needed. According to the Fair Credit Act in order for a payment to be late, it has to be beyond 30 days. These reporting agencies are not investigating the problem correctly, and do not care how it affects the individual 's life. I see this every day with my own clients, something needs to be changed or more regulations with the reporting companies. I have made the same complaint several times over the same issue. The credit reporting companies hold your lives in their hands, and then make it difficult to get resolved. Unless you are willing to pay them they do nothing about incorrect information, as far as I can see the credit reporting agencies are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern XXXX XXXX, XXXX XXXX  XXXX XXXX  # XXXX are an accounts that were legally discharged in a bankruptcy XXXX XXXX XXXX OHIO Docket # XXXX. Please delete this account at once it is an error! They are in error 611, 623, 609 FCRA PLEASE REMOVE/DELETE ASAP.

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 2021-01-22 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: NJ

Complaint narrative:
I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.

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 2021-01-22 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: MI

Complaint narrative:
I had two hard inquiries on my experian report that I did not make XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I contacted them and they told me that the loan request was declined. The second was US SM BUS Admin ODA XXXX XXXX XXXX XXXX XXXX, DC XXXX ( XXXX ) XXXX They indicated this application was also declined

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 2021-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony has charged us late fees for numerous times even though we have send our payment way before their due date. We have confirmed with our bank that payments have always been sent at least 7 days before due date. Synchrony continuous to process the payment late and adds late fees. This is the only card we have had such bad experience. We always pay all our bills on the same date and have never seen such erroneous charges in late fees and interest rate on account that is on 18 months no interest. We have send them proof our payment has been sent to they on the XXXX of the month and the delay in processing of the payment is on their end. They do not post our payment until after the due date ( XXXX of every month ). Bank has no control how long Synchrony takes to process the payment once they send the payment to them!

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 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Collections never sent me a notice of this debt or any chance to deny the debt before posting the collection to my credit which is a direct violation of my FCRA rights. This bill is for medical office visits which were incorrectly billed by the physicians staff. The VA covers my copay as I am an 80 % XXXX bet with XXXX XXXX as well as XXXX XXXX covered from my current job. The wrong insurance was billed. I filed a claim to have the Bill covered by the VA and it is processing. Any attempt to come after me for this collection is fraudulent and done in error. 

I asked Congress Collection to remove the collection from my credit report with all three credit bureaus and they refused is if punishable with a {$1000.00} fine. Restitution of damages to my credit will be sought. 

It is criminal to prey on veterans for collections when it has been proven they are covered by dual healthcare policies and then refuse to correct this collection during a pandemic which is making people seek medical care more often!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have not as yet received my annual property tax check from BB & T dba Truist. 
Normally I receive the check in the third week of XXXX. This has been the case since XXXX. No check has been forthcoming for XXXX. My property taxes are due nlt XX/XX/XXXX. 
I called BB & T/Trusit just before Christmas XXXX and was told the check would be mailed that week. 
On XX/XX/XXXX no check had arrived so I called again. I was told that the check had been mailed but would be cancelled and a new check mailed. 
On XX/XX/XXXX no check had arrived and I again called BB & T/Trusit. I spoke to customer service agent XXXX and was informed that again the check would be cancelled and a new one mailed. 
On XX/XX/XXXX still no check had arrived and I called again. I spoke to customer service agent XXXX who informed me that a request to cancel the check had been placed in BB & T/Trusit 's system on XX/XX/XXXX, had been actioned on XX/XX/XXXX and that the check had been mailed directly to the local municipality. I informed XXXX that was not the usual process, that the check was normally mailed directly to my home address and then I would then pay the property taxes myself. I further explained that the check provided by BB & T/Truist rarely met the property tax bill and that I would pay the remainder out of pocket at that time. Sending the check directly to the municipality would probably not meet the bill and leave me in arrears. I asked to speak to BB & T/Truist 's tax department but was told that was not permitted. She placed me on hold while she escalated the matter to her supervisor. After being on hold for 17 minutes she advised me that her supervisor was not available and would call me later on XX/XX/XXXX. No call was received from any supervisor. 
On XX/XX/XXXX I again called BB & T/Truist and spoke to customer service agent XXXX. I went through the whole matter again with her. She placed me on hold while she escalated the matter to her supervisor. After being on hold for approx. 12 minutes she advised me that no supervisor was available as they were all in meetings. She offered to have her supervisor call me later this date. I requested that she do so but also explained that I was submitting this complaint to CFPB, HUD and any other government mortgage regulatory agency I could find. Having heard that XXXX asked me to repeat which bodies I intended to submit my complaint and I obliged her. 
I would respectfully request that this matter be investigated and that any results be shared with me. Thank you in advance for any assistance.

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 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon pulling my credit report, I noticed that XXXX reported two accounts that I have no knowledge of with the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies. I did not get either request fulfilled. The account was removed from my XXXX  report but still remains on my XXXX  and TransUnion with payment history inaccuracies. The payment history states that I was on time in XX/XX/XXXX, but 90 days late the following month, in XXXX. Also, from XX/XX/XXXX to XX/XX/XXXX it states that I'm 120 days late each month. How is this even possible or allowed to come back as being accurate?! This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

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 2021-01-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon pulling my credit report, I noticed that XXXX reported two accounts that I have no knowledge of with the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies. I did not get either request fulfilled. The account was removed from my XXXX  report but still remains on my Equifax and XXXX  with payment history inaccuracies. The payment history states that I was on time in XX/XX/XXXX, but 90 days late the following month, in XXXX. Also, from XX/XX/XXXX to XX/XX/XXXX it states that I'm 120 days late each month. How is this even possible or allowed to come back as being accurate?! This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: OH

Complaint narrative:
To whom it may concern XXXX XXXX, XXXX XXXX  XXXX XXXX  # XXXX are an accounts that were legally discharged in a bankruptcy XXXX XXXX  XXXX OHIO Docket # XXXX. Please delete this account at once it is an error! They are in error 611, 623, 609 FCRA PLEASE REMOVE/DELETE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: F.H. Cann & Associates, Inc.
State: LA

Complaint narrative:
Upon pulling my credit report, I noticed that The US Department of Education reported two accounts in the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my XXXX  report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My XXXX  report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX  report is inaccurate and the data doesn't have the same information as XXXX. 

-On the Department of Edu website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The US Department of Education states everything was on time that year on my XXXX  report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
My mortgage company incorrectly increased my monthly premium by almost {$400.00} as a result of having incorrect information about my insurance and being double-billed for taxes. This was identified in Spring of 2020 and I immediately notified NewRez. For the next 7 ( SEVEN ) months, I called New Rez to get them to assess my mortgage for errors. Call after call, I was transferred every month to a new representative, a new supervisor, or a new team lead. It took me calling my finance friend to get on the phone with New Rez and demand answers. He gave me this website to formally complain about New Rez and the runaround I have been getting. My mortgage amount is still almost {$400.00} over the correct price, with no resolution in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Frago has already discharged this debt 3 years ago. My attorney disputed this with wells Frago an attachment is attached to this email. I located this dispute deleted information from Experian. 

This is Extremely unfair and disturbing that I could dispute a debt and it continues to cause damaging to my credit report for years after many years Ive disputed. Wells Fargo again has no right to assign so many accounts that a customer can not even determine monies that she or heTrusted in a bank with financial importances. Again please have Wells Fargo to review the deleted information and investigation and to remove this debt off on my credit report that is extremely damaging.

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 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Hello my name XXXX XXXX I have hearing impairments and severe brain injuries that affect my everyday life. I called NMAC asking multiple times about getting out my maintenance plus contract.First lady told to drive to Nissan dealership to have my mileage statement signed when got to Nissan Dealership in XXXX XXXX Ca the general manager tells we dont sign documents turned me away.So the general manager assisted by calling NMAC asking what is supposed to do. I drove 40 miles to that dealership the rep on the had a heavy accent was not getting any where. I asked for supervisor call back to address the miscommunication never happened.Called on XX/XX/XXXX explaining situation again the rep tells I cant record the calls which it a violation of American Disability Act if you have certain conditions such as hearing impairments or other XXXX  XXXX helps with effective communication skills. I feel like Nissan discriminated against me because of medical conditions that would help effectively communicate the law went in affect XX/XX/XXXX according to the ADA under Effective communication. I am filling a Federal Complaint under ADA Civil rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MO

Complaint narrative:
On XX/XX/2020 I sent in a check for {$400.00} to cover a short fall in my escrow which was notified by my mortgage company to keep my mortgage payments down. They stayed at {$600.00} a month. In XX/XX/2020 I changed home insurance companies for a better rate and informed my mortgage company of this change. They in returned sent me a notification that I was short in my escrow and that I needed to send in short fall to cover my escrow. I sent in a check for {$1000.00} on XX/XX/2020. Then in XXXX I was notified that my monthly mortgage had gone up to {$670.00}. When I contacted the mortgage company they explained that I had a major shortfall in my escrow account. I asked where did my to checks go that I sent in for escrow? Upon examination it was found that the {$400.00} had gone to principle and interest and I am really not sure where the {$1000.00} check went. I have been in contact and written letters to this mortgage company with not a response from them. The latest episode is they said I had not paid my XXXX mortgage payment when my bank shows that on XX/XX/2020 The mortgage company had been paid the full amount. Please refer to my enclosed letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have provided information to XXXX and Experian regarding inaccurate items on my credit report. The company has not verified the information of the items. I have provided the deleted items showing from my TransUnion report to XXXX and Experian to follow suit so that my credit report is the same across all XXXX credit reporting agencies. I have not received any feedback regarding when the items will be deleted and any verification of the items. I have been sending this information to Experian and XXXX for a few months and they are ignoring my letters to them and sending me a generic response. I have not receive a phone call or any form of contact regarding my request.

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 2021-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I responded to a CHASE marketing promotion to open a checking account with direct deposit and a savings account with a {$15000.00} minimum deposit and followed their rules precisely. I did receive the {$200.00} deposit for the checking account and eventually the {$200.00} deposit for the savings account based on the separate coupons issued for each respectively. There is no dispute on these facts. 
There is another {$100.00} to be deposited in my accounts for doing both of the above account openings for a total benefit of {$500.00}. The date of total funding for the savings account of {$15000.00} occurred on XX/XX/XXXX. I held that some of {$15000.00} in that account until XX/XX/XXXX expecting the final {$100.00} to be paid promptly but no later than by XX/XX/XXXX. I have had to constantly contact this bank with long delays and responses from off shore call centers as well as branch bank endless unavailability to even obtain the partial results above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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