vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: MA

Complaint narrative:
Good Evening XXXX Mgr ; XXXXExperian and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this XXXX account # XXXX Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.

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 2021-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have called in twice and am now issuing my request in writing. I had two refunds from XXXX XXXX to my XXXX XXXX credit card, account : 1. {$2600.00} ( refund check issued XX/XX/XXXX ) 2. {$3400.00} ( return posted XX/XX/XXXX ) These credits were issued on different days. On XX/XX/XXXX I called and requested a check for the {$2600.00} credit and on XXXX I called to request a check for the {$3400.00} balance. The first {$2600.00} was proceed with no issue, however, when I called on XXXX I was told that a second check could not be processed until I received and cashed the first but they would watch it and refund as soon as possible and since the first refund check was just released that would not be until the next day. As such, I called back this morning and asked for a check to be issued today. They reiterated that due to internal processing a second check could not be issued until I received and cashed the first - which is unacceptable. One refund is not contingent on the other and I am officially requesting that the remaining funds be released today, XX/XX/XXXX. I understand there is a processing period needed but this is truly unacceptable. I had them cancel the check on XXXX the check never came- so that we could do one electronic refund of the full amount. I called the week of XX/XX/XXXX to make arrangements for this. On XXXX XXXX I spoke with the representative who said my refund had processed and I should expect to see it on my account in XXXX hours. I called today on XXXX and was told that it was not an electronic transfer but rather a paper check. And again I would need to wait 7-10 business days for it to arrive in the mail. The last time I did this was XX/XX/XXXX for the first check and on XX/XX/XXXX the check was canceled with the understanding that a full refund would be processed electronically. No one can tell me when or why this happened, just that it did and I need to wait patiently. Since XX/XX/XXXX I have been trying to get back my {$6100.00}. It's XX/XX/XXXX and I still have no idea when I will actually get a refund. Please assist as I can't get a clear answer on the phone and no one is responding to my e-mail- screen shots of unanswered e-mails attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
In XX/XX/XXXX I co-signed with my granddaughter for a new Hyundai which we financed through Hyundai Financial. On XX/XX/XXXX my granddaughter refinanced the vehicle with XXXX XXXX XXXX removing me as a co-signer. The account at Hyundai was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to Hyundai and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with Hyundai was delinquent and I paid them in the amount of {$560.00}. They told me I should have known it was not paid off. I told them it was refinanced and XXXX  signed for the documents but Hyundai does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help.

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 2021-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage was sold off to select portfolio services. I have never missed a payment. They tack on late fees and call and threaten me after curfew hours. I have spent endless hours trying to explain to them their huge mistake. They hang up, They are taking to me from their home, there are language barriers. These late payments need to be deleted for once and for all. They have brought on tremendous stress to my life, I feel like a victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Incorrect Mortgage Payment history I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report. 
Well 's Fargo response is inaccurate. Again Wells Fargo Sold the loan in XX/XX/XXXX when I was current on my payments and never Notified me that the loan was sold. I'm not talking about the foreclosure in XXXX that was also dismissed by Wells Fargo, I'm taking about the foreclosure in XX/XX/XXXX when the loan was Bought out by XXXX  The loan was sold in XXXX and the Billing statement from Well 's Fargo in my attachment confirms that. Well 's Fargo is speaking in circles and Avoiding the facts of my complaint. Well 's Fargo admits that XXXX and XX/XX/XXXX mortgage payments were made for those months on time. Why is it showing as 30 days late, and unpaid on my credit report for those months which needs to be corrected. Also again Well 's Fargo no longer had possession of the loan after XXXX then filed foreclosure. Meaning that the payment History from XX/XX/XXXX to XX/XX/XXXX should be removed from my Credit 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 2021-05-03 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: Gotham Collection Services Corp.
State: IL

Complaint narrative:
I've been dealing with this issue going on 3 months now. And have not gotten a solution. I'm in the process of purchasing a home and this is hindering me. 
There's an ( Charged off ) account on my credit report from XXXX. XXXX sold this account to Gotham Collections. I have paid and satisfied the account with Gotham. Gotham wrote me a letter stating that the account is satisfied and requesting it be removed from my report. Gotham also stats that they can't report themselves because XXXX is the original creditor and they are the company reporting to the bureaus. However, XXXX stats that they can't report because they sold the account. Both companies are saying they can't report. How can the issue be resolved. I've disputed this account multiple times. Each time it's come back as transferred by XXXX. The credit bureaus are stating that they can't do anything about it because the only company who can report is XXXX because that's who's on my report. I really need a solution asap. Im in the process of purchasing a home and this is the only issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I have yet to receive any follow up on requests from the loan processor XXXX XXXX. Ive left messages with sales dept and on his voicemail now and yet he never responds. I always seem to reach out to the loan officer who contends he will do his best however the loan processor will call which he never does. Ive paid this company for almost 2 years with a mortgage with no issues and now Im starting to rethink my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I currently have a late payment reporting on my credit through State Employees Credit Union back in XX/XX/2019. I haven't made any late payments so I shouldn't have any payments reporting late on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been a customer with Capital One now for about a year, and have been making on time payments. However for the months of XXXX and XX/XX/2021 I have received two late payments. The problem is that these late payments were due to the fact that I was having immense trouble actually paying my bill. Every time I schedule a payment to be processed on the app I choose the payment to be processed the next business day. 

However the payment always get charged at completely random days and times. I will schedule the payment the next day and it will try to deduct the funds from my account sometimes a week later! The payment system is very unreliable and has caused me to miss two payments already, as I will have the right amount in my checking account to pay my bill but the charge doesnt occur until days later causing the payment to decline due to my checking account balance being off sometimes by a few cents. 

I eventually found a solution and had to settle with a company named XXXX to submit the payments to Capital One for me which is a major inconvenience, as I dont think its fair that I have to carry around two late payments because the companys payment system does not deduct funds on time. I would like to remain a customer I love Capital One a lot. I just would like this issue acknowledged as my credit report is very important to me, and I truly care about paying my bills on time. 

The company itself I have no issues with. They are friendly and its a good credit card. I would like to remain a Capital One customer for the rest of my life. I just wanted to bring awareness to the payment limitations as it has probably caused others to become late on their payments as well. Thank you and I humbly ask that you help me resolve these late payments as I am a loyal Capital One customer. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: GA

Complaint narrative:
They are reporting stuff of my credit report that's not true. When ask to verify, was told they did they have to give me any of that information. But I know that's not true. The fair credit reporting act say they do. The lady was XXXX was very ruled, wouldn't give me her lastnight or let me speak to a supervisor. This is the second time I had to file a complaint on them, they never reach out to, just sent me an email talking about it was completed. The also tell me the never received any of my certified mail, which is lie. Cause I have my receipt. I would just like them to remove that stuff off my credit. And also I sent the documents on showing that my chd was a minor and they still refuse to remove that fraud activity off her account. She is not XXXX and was XXXX at the time. Please help ..

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 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/2021 we signed modification paper work. Then because the over night label was a year old I had to reach back out to my point of contact XXXX which I can still use the label. Then I fed ex on XX/XX/XXXX3 to shell point mortgage, that is why I'm complaining they didn't get the paper work until XX/XX/XXXX or XXXX to process. They back dated a letter asking for first payment on XX/XX/XXXX. And I have been on the phone atleast 20 times asking shell point to start the first modification payment on XX/XX/2021. 
*****Please see attached papers******

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a letter from this company dated XX/XX/XXXX ; indicating that I owe an unsubstantiated debt that was charged off on XX/XX/XXXX ; almost 8 years ago ; which is well over the statute of limitations of 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 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: GA

Complaint narrative:
They are reporting stuff of my credit report that's not true. When ask to verify, was told they did they have to give me any of that information. But I know that's not true. The fair credit reporting act say they do. The lady was XXXX was very ruled, wouldn't give me her lastnight or let me speak to a supervisor. This is the second time I had to file a complaint on them, they never reach out to, just sent me an email talking about it was completed. The also tell me the never received any of my certified mail, which is lie. Cause I have my receipt. I would just like them to remove that stuff off my credit. And also I sent the documents on showing that my chd was a minor and they still refuse to remove that fraud activity off her account. She is not XXXX and was XXXX at the time. Please help ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
CFPB Case No. : XXXX I previously filed a complaint on XX/XX/2020 disputing inaccurate information on my credit report. To date, I have not received a response to this complaint from the company. Santander stated they were unable to locate account and requested VIN number. I provided the VIN number ( XXXX ) and the company has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: CA

Complaint narrative:
I opened a new credit card account with CITI bank and used it immediately. I received the first bill for {$4100.00} on XX/XX/XXXX and paid it that day with an withdrawal from my XXXX XXXX Account. XXXX verification from XXXX XXXX is attached ) I realized that while the funds went CITI I had made an error with the account number and those funds must have been credited elsewhere. 

When I realized my error, I called customer service and notified them of the problem and then sent a second check for {$4100.00} on XX/XX/XXXX still before the due date. I was asked to send verification from my bank that the first payment was sent and received and that CITI would credit my account. On XX/XX/XXXX I sent the attached letter via email and assumed that the issue had been resolved. 

I have spent HOURS with customer service offshore trying to resolve this issue. I was given email addresses, faxes and a USA address where I sent this information. I have complied in every case. While I acknowledge the error of the incorrect account number, I am unable to speak with any individual who can help me. CITI bank no longer has retail banks where I can work with a person. 

The bank website says that there is no dispute and they have reversed the credit. I now owe them {$5100.00}. I am unable to handle this through their customer service people as we cover the same territory again and again and again.

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 2021-05-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter into all 3 bureas on XX/XX/2021 and I still haven't received any update in regards to their investigation. The letters were in regards to incorrect and unknown things being reported on my credit report. Its been 60 days and there has been no response. I feel like I'm being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These items should be removed promptly. I demand these accounts be deleted immediately or I will file litigation due to the XXXX you've caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: FL

Complaint narrative:
Equifax is erroneously reporting a bankruptcy on my report and is refusing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation