vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute regarding information on my credit report regarding 2 accounts which are not mine and this credit reporting agency has not required the businesses submitting the derogatory remarks on my credit report for proof supporting their remarks. Additionally, Equifax has not removed these negative comments from my credit report and it has affected me in a negative manner. The following businesses are fabricating derogatory information and dates to hurt my credit report. These businesses are listed as follows : XXXX XXXX, XXXX - They indicate I opened an account 2yrs, 4 mos ago. 
They are fabricating information. I have had " pay as you go '' phone service for over 6 years now. If you don't pay, you don't get phone service. Further, this company is indicating I owe them {$1300.00}. I dispute the validity of this account and the amount owed in its entirety. FYI - I have also been a victim of Identity theft 4 different times. 

XXXX XXXX XXXX ( 3yrs, 6 mos ) for {$120.00}. I disputed all the information and the validity of this account in its entirety. They are indicating I opened an account with them 3 yrs, 6 mos ago and owe them {$120.00}. FYI - I have also been a victim of identity theft 4 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I called in to TD Bank on end of XX/XX/2020 to explain my hardship i have to pay because i'm affected financially by XXXX, they agreed and put me on a hardship program nad made with me a payment plan, bank also told me i have more time to pay it later and start to make payments on XXXX, and so i did i start to make payment on XXXX the balance agreed, but when i checked my credit report i see that TD reported me 30 day late on XXXX of 20202, and recording the CARES ACT if company Agrees to delay payment because of XXXX They not allowed to report me late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
This is in reference to closed case XXXX XXXX XXXX of Debt Solutions responded to the CFPB on XX/XX/2020 that they have instructed the credit reporting agencies to remove the account from my file and documentation of the debt would be provided. 

As of this date, non of the above has happened and Debt Recovery Solutions continues to report the debt as a valid debt ( XXXX  XX/XX/2020, XXXX  XX/XX/2020 ) I have tried on several occasions to reach out to XXXX XXXX at the number provided leaving voicemails asking for a call back however I have received no response as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received a 5 year old medical bill that I have never once heard of before XX/XX/XXXX, and was from a different state and they immediately report the charge to my credit even though I called and made arrangements with them to pay only 5 days after the letter was written. I am in the middle of my home buying process and this company shows up, demands money or they will ruin my credit, so i have no other choice to believe them so i can continue my life with buying my home in 2 weeks. TWO DAYS AFTER I PAY THIS FAKE BILL THEY STILL REPORTED THAT I DID NOT PAY ON MY CREDIT AND MY CREDIT DROPS 20 POINTS!!!!!!! Me, my husband and our XXXX XXXX XXXX son are now out of the home buying process and the house we put a offer in for because they made a 5 year old mistake! When i spoke with the woman there she seriously told me i had no other option - she couldn't even tell me what the bill was for. So at the time my hands were completely tied .She told me I couldn't call the doctor that apparently this bill was from and she haD nothing more for me. Then they still reported it even though I paid!! This is insane that a company/doc ( whoever I dont care ) can come after you 5 years later for a bill you've never seen ( so therefore also couldn't get insurance to pay for it since I was unaware of it ) and say you have to pay with zero information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
In the month of XXXX, I requested a forbearance of my mortgage payments due to increased expenses during COVID19. I was told that when I was ready to start my payments again, I could either pay the missed payments in one lump-sum, spread the missed payments over the life of the loan, or move the missed payments to the end of the loan. Additionally, I was advised that there would be no negative repercussions to any of the above options. 

Since then, my wife and I have found a new home that we would like to buy. I was advised that I needed to take my account out of forbearance in order to get a new loan. I made this request last week. 

As of today that process is nearly complete. However, what I have now been told is that I need to make 3 months of payments in order to qualify for a new loan. This was NEVER shared with me at any point of the forbearance process, nor was it shared with me prior to making the decision to move the payments to the back of the loan ( after the fact, I was told that had I made the back payments, as opposed to moving to the end of the loan, Wells would have written the new mortgage right away ). I am told that this is not a Wells Fargo rule, it is a XXXX  rule. 

I spent several hours on the phone with them this morning trying to unwind the movement of the payments to the end of the loan and make it so I can pay the back payments in a lump-sum in order to get a loan. 

The only response that I have gotten so far is that it is not likely to do that and I will have to wait to get the new mortgage, which will cause us to lose the earnest check as well as the ability to buy this property.

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 2020-08-17 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: IL

Complaint narrative:
XXXX XXXX has been reporting on TransUnion report. Ive never done any business with this company. I don't know this company. They don't even have a working number for direct disputes. I've never given this company my information. this is 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 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
I was disputing the way XXXX XXXX was handling this debt ( Federal Trade Commission ( Consumer Financial Protection Bureau ), Complaint Number XXXX ). Today, I was looking at my XXXX  Credit Reporting agency credit file when I saw that the XXXX  debt was reported, which drove my credit score down 75 points from XXXX to XXXX. The collection agency company, Sequium Asset Solutions , LLC never sent me a letter or a Notice that the XXXX debt would be reported to the credit agencies. What I gathered from a phone call with a representative of Sequium, the money of the debt plus the collection fee goes to XXXX even though XXXX and Sequium are separate companies. I was never given Notice that unless I paid the debt owed the XXXX account would be reported. This is very unfair to me as a consumer. In good faith, I decided to pay XXXX  the {$150.00} owed on the XXXX XXXX  web site ; yet I still owe a collection fee of {$37.00} to Sequium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/2020 I was approached by American Express to sign up for a 12 month repayment plan for an AMEX Business Charge Card I have open through my business. We we're behind on payments due to Covid-19 lack of revenue. 
They said this re-payment process would protect my business and person from negative credit score reporting and implications. They coerced me to sign up for this service under those false pretenses. 
One of the stipulations with the program, was that my separate personal AMEX card would also have to be frozen, discontinued use, and put on a 12 month re-payment plan. This was fine as I don't often use the card often, and it had a below 50 % utilization ratio. It seemed like it wouldn't be an issue. 
I signed up for the program at their behest. 
A month later I've checked my credit score and credit card information. 
They decreased the credit card limit on my personal card to just above the current balance amount, decreasing by around {$2000.00}. The card now has a 99 % utilization ratio. 
This then immediately caused a 100 point drop in my credit score! 
None of this was disclosed to me during their explanation of the program. 
They did not say my personal card credit limit would be decreased, especially by such a significant amount. 
They instead and conversely recommended this program as a way to AVOID negative credit score impacts, when in reality it has done the single most damage to my credit score in it's 12 year history. 
I would have been better off doing absolutely nothing, or continuing to chip away at the business cards payments as I was doing previously. The amount of credit score impact would have been minimal and inconsequential in comparison. 

They did not disclose the details of this plan properly, what they would then do to my credit card account once we got off the phone, and how these changes would and did negatively impact my credit score across all credit reporting agencies. They sold an unfair and false narrative of protecting consumers from negative credit reporting, but instead did irrevocable and immense damage to my credit score without my consent. 
This is a classic bait and switch, and has the potential to do serious financial harm to consumers. 
I would not have signed up for the program had I been made aware that my personal card 's credit limit would be decreased by such an amount, knowing the negative impact that and a 99 % utilization ratio would do to my credit score. 

They say they are launching an " internal investigation, '' but as this is being done in-house, they have very little incentive to disagree with their own practices, find themselves at any amount of fault, and do anything to rectify my situation - other then saying " you still owe us the monthly payments, and we now can't raise your credit limit because your score is so bad ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: VA

Complaint narrative:
I filed a XXXX  complaint against Kohls in XXXX  for reporting my account 30 days past due in XXXX. I have tried to obtain copies of the complaints but could not access them online so I will need to call them. I made a payment through the Kohls app towards my account, after several days of not seeing this money come out I decided to call to ensure they received the funds. I was told by the representative at that time that he's never seen anything like this before and that the money was not received, he then advised that if the funds were received the date I made the payment then the account would not have gone into past due. There is a screenshot attached of the payment confirmation. My bank XXXX XXXX says that there could not have been an issue with the routing/account number entered on my end if there was they said it should have declined payment right away and not given a confirmation plus had successfully gone through in the past using the same payment method. I decided to pay off and close the account right away due to the high risk associated with keeping this account open. My account was paid on time every single month while holding an account through them, I have been a Cap one account holder their processor and have an excellent credit history with them. Its unclear what went wrong here but it was certainly not on my accord. I figured filing the XXXX  complaints this was resolved since XXXX  is showing the account as paid satisfactorily and does not indicate the account was 30 days late, it did previously ( see attached ). XXXX  is showing this account still 30 days late in XXXX, I have disputed this twice with them the second time indicating that XXXX  is showing the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc.
State: MD

Complaint narrative:
I have filed several complaints as this item was included in a discharged bankruptcy in XXXX. Dyck Oneal continues to re-age, and refuse to remove this item. I have never had any direct dealings with Dyck XXXX and the original debt was a part of the discharged bankruptcy. My last complaint with CFPB was denied because they again claim it is not a part of a discharged bankruptcy. My XXXX  credit report showing it is on page XXXX of XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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.

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME THESE ACCOUNTS WERE OPEN UP FRAUDULENTLY SOMEONE STOLE MY INFORMATION TO USE THESE ACCOUNTS USE MY PHOTO ID AND MY SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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.

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME THESE ACCOUNTS WERE OPEN UP FRAUDULENTLY SOMEONE STOLE MY INFORMATION TO USE THESE ACCOUNTS USE MY PHOTO ID AND MY SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-17 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: AR

Complaint narrative:
I asked Transunion, XXXX and XXXX to remove the below inaccurate information from my report about 2 months ago. I haven't heard anything back from any of the bureaus. 


1. The following account is not mine XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 2. The following account is not mine XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 3. The following personal information is incorrect 09 XXXX XXXX XXXX    XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 4. The following personal information is incorrect XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020. 

5. The following personal information is incorrect 11 XXXXT XXXX XXXX ON Amount : XXXX Bureau Contact Date : 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 2020-08-17 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I asked XXXX, XXXX and Equifax to remove the below inaccurate information from my report about 2 months ago. I haven't heard anything back from any of the bureaus. 


1. The following account is not mine XXXX Amount : XXXX XXXX Contact Date : XX/XX/2020 2. The following account is not mine XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 3. The following personal information is incorrect 09 XXXX XXXX XXXX   XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 4. The following personal information is incorrect XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020. 

5. The following personal information is incorrect 11 XXXX   XXXX XXXX XXXX  Amount : XXXX Bureau Contact Date : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: MS

Complaint narrative:
This is my second attempt to removed the inaccurate items. My name is XXXX XXXX and this complaint is done by me. I used the information in FCRA to help me. Experian said that they didn't think it was me filing that complaint. While they used stall tactics, my credit continue to report incorrectly with false information. I have attached all the necessary documents to get these accounts removed.

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 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Cash Management Corp.
State: ME

Complaint narrative:
I arranged a monthly payment plan with my local hospital, Maine XXXX XXXX XXXX XXXX Hospital for unpaid balances. The hospital officer, Mr. XXXX XXXX agreed to this and had his assistant XXXX XXXX approved putting additional amounts on the balance being paid down. After 2-3 years or more of accepting these payments the hospital, MrXXXX XXXX, unilaterally demanded I renegotiate the payment plan. I refused. In response the hospital hired or sold my debt to a collection agency in XXXX named Marcam.  Marcam harrassed me and my husband for the next couple of years by continuously sending erroneous bills. These bills were wrong because we were making those agreed upon payments. In fact we continue to make those agreed upon payments. 

Since the harrassing letters continued from Marcam, sometimes 6 or more a month, I sent them a registered cease and desist letter which they received, and signed for, on XX/XX/2020. Unfortunately the harrassing l etters from Marcam have continued to come. I have received 3 now since they signed for the cease and desist letter. I have no relationship with Marcam no r do I not want one.  Meanwhile I continue to make the agreed upon payments to this local hospital, Maine XXXX XXXX XXXX XXXX Hospital in  XXXX, Maine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing some items on my credit report consistently for almost a year now and I haven't received any results or response throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

Company response to consumer: Closed with explanation