vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Last XX/XX/XXXX when the Covid Virus hit, we learned that we could contact our servicer and ask to have our payments deferred if we were impacted by the virus. I called to asked to have our payments deferred because my husband was barely making 30 hours a week, we have 6 people in our house. We were making half of what we normally make. I was told I would have to prove we were having issues in making our payments. Sorry, I do not know how to do that, and they did not give me advise on how to prove it. So, we had to start making our house payments late. Finally in XXXX of XXXX I made my last late payment and have been caught up ever since. If they had deferred our payments like the President said we could, I could have refinanced late last year and had a good interest rate. 
In XXXX of XXXX I started looking into refinancing our home. Only to find out that Mr. Cooper did not report our payments correctly in XXXX. They reported it as a 60 day late instead of a 30 day late. I have been calling and calling to have them fix the issue. I finally got a hold of a manager and they put in an order to have it fixed. The kicker is it takes 30 days to get it taken care of. I also found out that they do not report our monthly payments till a MONTH later of being paid. So, if you make a XXXX payment it does not show up till XXXX. 
I feel my refinance is being held XXXX because NO one wants to do their job correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The overpaid my credit card bill and it is taking citi bank 15 to 20 days to return my money. I asked, why does it take so long, the answer was that this is their process. The real reason is that they want to hog my money to earn interest on it. 

This is unfair and unreasonable. The refund was requested on the XXXX it took them unit the XXXX to approve it after it was expedited. I wish the senate finance committee looks into such abuse of consumers.

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 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On XX/XX/2021, I drafted the attached dispute to Experian advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered. It is significant that the same dispute was honored by XXXX  immediately. Despite this, the incorrect information remains on my credit report more than 30 days later.

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 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I XXXX XXXX on XXXX XXXX Mail a letter to Validate to Convergent. According to USC15 1692G Individual Action 1. Convergent did not comply 5 days after speaking to me 2. Convergent was given a request to validate debt and did not provide validation 3.Convergent has not stopped ceasing to collect on the debt

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 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one account and the inquires.

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 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I learned through junk mail from other companies that this law firm XXXX, XXXX and XXXX ( XXXX ) had filed a case in court against me. I called XXXX and then the law firm to get more information about it, and then once they explained where it was from, I explained to them that my financial situation has not changed, and in fact has gotten worse. 

I initially spoke with one rep, who had a flat affect but eventually agreed to submit an offer. She wasnt able to answer questions regarding the terms and conditions and suggested for some of the questions to ask XXXX and then I also asked for a supervisor because I wanted to make sure I understood what the law firm was doing as well because it seems confusing. For example, the attorneys refuse to speak directly with the consumer unless it is in court. 

The call got disconnected- I just heard dead air, so I called back so I could complete the offer request. 

I told the rep XXXX, that I only had a specific amount of money, which was about 25 % of the balance. I explained that I am not working at the present time and I don't foresee this changing in the near future despite my attempts to find new work and apply for unemployment, etc. 

She refused to submit my offer for XXXX to the company. When I began to cry and ask why, she said that I was being a bully and accused me of being forceful/aggressive when I am simply offering the company all I have. I have a recording of the call, that specifically showed that she refused to submit the offer and then went as far as threatening me with the outcome of the lawsuit and said I wasn't being realistic. She then went on to say that her company is willing to take this to court all the way and threatened me with interest accrual, etc. 

I told her that the amount I offered was all I had in the savings account. I asked if she was not interested in the money that I have, she said " yes '' " We are prepared to go forward with the court date, that doesn't change our position. Our client wants to secure a judgement. You are trying to bully me into accepting an offer. I cant change the fact that you have a balance of almost XXXX you aren't being realistic. ''

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 2021-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Vehicle Solutions Corp
State: LA

Complaint narrative:
I co-signed for a vehicle for my son in in XX/XX/XXXX. He used this car primarily for generation of income by driving for XXXX and XXXX. When the pandemic hit in XX/XX/XXXX, he was no longer able to pay the note due to COVID-19 restrictions. The car was soon repossessed in XX/XX/XXXX. Vehicle Solutions Corp has had the car in their possession and likely have resold the vehicle for over a year. They are still hitting my credit negatively with a new occurrence each month and this is vehicle. I spoke with the company and they refused my settlement offered in the XXXX 's because XXXX stated that it would be denied. They are only accepting payment in the XXXX 's, although he would not state a minimum amount. I was not asking for the repossession to be removed, but the continuous month to month negative hit for a car that my son no longer possesses and a car that was lost due to restrictions of COVID-19. They tout themselves to be a company that works on honesty, integrity and trust. I beg to differ because even though I explained to them that I was a co-signer, and the car was lost during the pandemic, due to real-life income restrictions, they refused to remove the on-going credits hits unless I pay {$1900.00} for a car no longer in our possession. Again, I am not asking for the repo to be removed ... just relief from monthly negative hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  AND EQUIFAX HAS FAILED TO DELETE ALL NEGATIVE REMARKS ON MY PREVIOUS STUDENT LOAN ACCOUNTS. XXXX  DELETED ALL BUT ONE NEGATIVE STUDENT LOAN ACCOUNT. I WAS NEVER LATE ON MY STUDENT LOAN ACCOUNTS. THE LATE PAYMENTS OCCURED AFTER THE LOAN WAS ALREADY PAID OFF AND CLOSED FROM A CONSOLIDATION I DID. A LATE PAYMENT CAN NOT OCCUR ON AN ACCOUNT WHEN THAT ACCOUNT HAS BEEN PAID AND CLOSED. HOW IS THIS POSSIBLE? I HAVE TRIED TO FIX THIS DIRECTLY WITH THE LOAN SERVICER IN WHICH THEY CLAIM THEY HAVE FIXED THE ISSUE. BUT IF YOU SIMPLY LOOK AT MY CREDIT, THE ERRORS ARE STILL THERE. CFPB NEEDS TO ESCALATE THIS TO THE HIGHEST LEVEL POSSIBLE AS THIS IS A COMPLAINT THAT HAS BEEN ONGOING FOR OVER A YEAR AND COUNTING!!!!!!!!!!!!!!!!!!!!!! I AM DISGUSTED AT HOW THINGS ARE BEING INVESTIGATED AND " RESOLVED ''. THE ONLY RESOLUTION TO THIS IS TO DELETE ALL NEGATIVE INFORMATION TIED TO MY PREVIOUS STUDENT LOAN ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 Received a letter stating that I was approved for a loan up to {$20000.00} for Debt Consolidation due to my recent improvement in my credit rating. I applied for {$14000.00}, My total debt! These CO 's will usually respond with a much lower amount with an ever higher interest rate, which is unusable! 
So my complaint is that they turned me down completely. Now, this might be because I stated my income as much lower than I have in the past depending on the site and in which questions they ask about rent/income sources. I thought that this site would ask me if I Rent vs paying my Mortgage, so if they do I go with the lower number and try to state ( if I can ) that I receive XXXX  XXXX which comes to XXXX XXXX/year. The problem always is, is that they ask you for your Income first, then if they do, they'll ask you about rent payments, etc. 
So my real complaint is ( and not just for myself now, but for others as well ) there really just 'Data collection Co 's '' who turn around and sell your personal information. 
Thank You for your Patience and Your Service and please Stay Safe! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
On XX/XX/2021, I drafted the attached dispute to Equifax advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered. It is significant that the same dispute was honored by XXXX immediately. Despite this, the incorrect information remains on my credit report more than 30 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Hello, I hope that you are well and that you had a good weekend. I have a complaint against Google Pay, specifically Google Pay support for misleading advertising and not adequately following up with me. I will provide screenshots of my correspondence with them. After initially running into an issue on XXXX XXXX with their XXXX XXXX XXXX and Cashback offers, I contacted Support and was told that I would receive a payment to my account shortly. After many attempts to contact them, I found that I was unable to get ahold of the representatives and receive updates. In the emails, you will see that I have opened around 5 cases for the same issue and it has been escalated numerous times, to little effect. Usually what happens is I get in contact with them, finally, and then they tell me that they need to consult with some other representative and that they will get back to me within 24-48 hours. Sometimes I would go a week without a response, and when they finally respond, it is another representative telling me to wait another 24-48 hours. This has gone on for two months. They also will not assist me in filing a complaint with their supervisor. I have provided all the required information that they asked for in a timely manner and have been diligent in following up. However, they have not returned that courtesy. So far I was told that someone would contact me again but I have not heard from them within their timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
During COVID, I couldn't make my mortgage payments. I was in contact with New-Res the entire time. This wasn't supposed to hit my credit report negatively due to circumstances out of my control. It was still reported to my credit as several 30 day lates and a 60 day late. the dates were XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 for the 30 day lates and XX/XX/2020 for the 60 day lates. this has made my credit fall when these never should have hit my credit report. I have since caught completely up and fixed everything needed with the world coming back on line, but I shouldn't suffer from things out of my control with COVID. It was hard enough to get through this and I shouldn't have additional penalties now on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: FL

Complaint narrative:
After discovering that my wallet was stolen I disputed these accounts on XX/XX/XXXX through XX/XX/XXXX and gained no results. I then decided to file a identity theft report on XX/XX/XXXX of this year. I did not know that my personal information was used to open these accounts and would like these unauthorized accounts removed from my credit. The following accounts are on Experian, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$18000.00} increased to {$19000.00}, XXXX XXXX XXXX {$2100.00}, XXXX {$590.00} XXXX {$0.00}.

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 2021-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I have repeatedly ask for proof of this account I do not know any credit acceptance they have been reporting late payments on my credit for a year. I have never had a account with credit acceptance do not know this company when I tried to rectify this account they were not trying to assist with this issue. I need proof of this debt I hav disputed with all three credit bureau and no luck with proof

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 2021-06-21 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: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted XXXX about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and XXXX informed me they have the right not to investigate which means its okay to update incorrect information.

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 2021-06-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and XXXX informed me they have the right not to investigate which means its okay to update incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: MI

Complaint narrative:
I disputed inaccurate information about a XXXX late payment in XX/XX/2020 with XXXX XXXX ( Account number # XXXX ) on my Transunion credit report XXXX Report Number XXXX hard copy ). The results of Transunions investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. 

This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For Transunion to change what was initially being reported as accurate on my credit report ( XXXX day late payment in XX/XX/2020 XXXX means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this XXXX day late payment. 

How could Transunion report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with XXXX XXXX and on their online account system it shows that XXXX payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). 

As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like XXXX XXXX who report inaccurate information and are not held accountable for it. 

They can damage my credit profile with no repercussions. Its not fair at all.

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 2021-06-21 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
UPDATE : Submitted a complaint about Chase credit cards that I've closed and never requested replacement cards for and frivolous charges from XXXX. They have closed both XXXX & XXXX and opened a new card ending XXXX in lieu of the XXXX card. A card I've never had in my possession, will never see, nor requested. They wrote because accounts were reported lost/stolen. A lie!!!! I simply closed both accounts due to frivolous activities that I had to pay for that I wasn't responsible for. They are maliciously closing/opening accounts/false reporting to the credit bureau ( s ) to hurt my credit which is excellent. Chase should be investigated as I believe they are not good for business.

Company response to consumer: Closed with explanation