vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
Refinancing loan signed and closed on XX/XX/XXXX with CrossCountry Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, NJ XXXX. On XX/XX/XXXX, I signed on online access and noticed the escrow amount paid to lender, 1st payment due date and interest amount paid to lender did not match the CD. Contacted the lender and servicing center on XX/XX/XXXX via secure messages & emails. XXXX XXXX XXXX, Branch Operations Manager, phone number : XXXX confirmed she had contacted their servicing center and ALL mistakes would be fixed. My online secure messages or email to the servicing center were never responded. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX with USPS stamped XX/XX/XXXX from Crosscountry Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ILXXXX, stating they are preparing a response to my inquiry. However, the new statement dated XX/XX/XXXX was still showing incorrect amounts. Errors in my account needed to be fixed : 1.  Interest paid to lender as of XX/XX/XXXX is XXXX USD. 2. 1st payment due is XX/XX/XXXX and should be XXXX USD ONLY. 3.  Total paid year to date amount should be XXXX USD interest + XXXX USD escrow = XXXX USD. This is a NEW refinancing loan and CrossCountry Mortgage, LLC servicing center should not have problem entering the CORRECT data into their system. I am very disappointed with the service. Poor communication and inadequate to enter, correct data for their mortgage clients. I'm requesting to have all information corrected in their system and provide me with an update statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently contacted Best Buy Credit Card-Citibank to get any and all dispute comments permanently remove from my Best Buy Credit Card file. Their credit services dept remarked the don't have a credit bureau department to do that. So, I then contacted all three credit bureaus who immediately erased the disputes comment. Within a few days I received credit alerts from XXXX  stating that the comments were added back to my Best Buy Credit Card File.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and  this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: FL

Complaint narrative:
ihave asked numerous times for Equifax to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Equifax has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX XXXX. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My XXXX  debit card expired last XX/XX/2020 with {$300.00} still in it. XXXX did not send me a new working card so, on XX/XX/XXXX, I called up the company customer service and they told me " Oh we are sorry we are sending it now, wait 2-4 days, '' I waited for 2 weeks and nothing arrives. I make calls 4 times, and they made the same promise each time, I waited each time for 2 weeks and nothing arrives. I finally decided to make a complaint into your good office. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
My mortgage company PHH, reported my loan to the credit bureau as missing payments during the forbearance period of Covid 19 for  the month of XXXX ( Forbearance period is until XXXX, 2020 ) As a result, my credit score decreased 60 points and as consequence I was declined for a business loan for my company that is necessary to continue in business and to be able to pay our employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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:
The company listed an account with the credit bureaus showing an open date of XX/XX/2020 and a collection balance of {$2200.00} I have not received any notification or communication with this company to inform me of who this debt is with or the option to dispute the validity of the debt. 

I have filed a dispute with the credit bureau however the collection company has " certified '' to the bureau that the debt is legitimate.

As of this date, I still have not received anything from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I was contacted by Southwest credit system I regards to debt that was already paid with XXXX XXXX XXXX  I sent them receipt and email showing that it was paid they continued to harass me about the debt and say they cant understand the receipt.. I advised them they can contact XXXX  or XXXX to clarify it was paid they refused. I would like them to stop calling me and submit this back to XXXX   or XXXX this should not go on my credit because it was already paid. Also now that I try to contact them they send me to voicemail. I had to call from a different number to reach someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have gotten an absorb amount of credit hard inquiries within the past month I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Please help!! My name is XXXX XXXX and I obtained a mortgage with XXXX XXXX in XXXX of XXXX for {$140000.00}. It was sold to XXXX XXXX where a remodeling cash-out occurred increasing the balance to {$180000.00}, then sold to Bank of America when the balance was {$170000.00}, now XXXX with a current {$220000.00} balance. 
My current complaint is with Bank of America who purchased the mortgage for {$170000.00} in XX/XX/XXXX. Due to a hardship, I missed payments and also filed bankruptcyXXXX  XXXX, my balance was XXXX at that time. 
Bank of America completed a loan modification in XXXX of XXXX when my balance was {$170000.00}. 
At that time a " misc ' posting was listed in the amount of {$18000.00} on XX/XX/XXXX increasing the balance to {$190000.00}. Then there was a " principal adjustment '' posting of {$32000.00}, also on XX/XX/XXXX increasing the balance again, totaling a new balance of XXXX XXXX.Additionally the terms of the mortgage was restarted at 30 years after 12 years of payments. 
Not only did this modification make all payments for 12 years ( since XXXX ) null and void, it also increased the mortgage by {$51000.00} which does not include any cash-out, this " new money '' is all noted as miscellaneous and adjustments. This resulted in an upside down mortgage and me starting over with no credit for previous payments or decline in years of payments completed.

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 2020-07-21 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: TN

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked numerous times for Experian to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Experian has yet to send me those copies I did not open a XXXX   XXXX XXXX card nor did I charge anything to a XXXX   XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.

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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with Experian, XXXX and XXXX   consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' ) XXXX provided on XX/XX/ 2018, as alleged and reported by XXXX XXXX  XXXX, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX 

II. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX services provided on XX/XX/2018 as alleged by XXXX XXXX  XXXX. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX  balance. As there is no balance due XXXX there is no debt due XXXX/ III. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with Experian, XXXX, and XXXX   consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). 

IV. 

The foregoing considered ; I respectfully request : 1.  Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

2. SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 

3. Deletion from my consumer files the disputed information of my indebtedness to FDRMC as provided to XXXX, Experian, and XXXX consumer agencies by XXXX XXXX  XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2020 I was asked by Capital One Offshore customer service department to email a copy of my drivers license to prove who I am. I have not been able to use my card but once, at XXXX XXXX. When I used my card at XXXX XXXX it declined for {$1700.00}. I have an available credit of {$7000.00} so, {$1700.00} should have not declined. ( note : I have not used this card in a year so, I get it that verification is needed ). I called Capital One while at XXXX XXXX to verify that Im making the charge. They tried to text me on my phone and it didnt go through. Then she told me I had to go home for her to call me on my home phone ( please note I was at XXXX XXXX at the register and my card got declined and she needed be to drive home so she could call me to verify it was truly me ). I came home and they place me on hold for several minutes. They she ( offshore customer service rep ) called my home phone and released the hold. I tried to use my card again to buy food and the card declined. I called capital one and this time they said I had to scan in a copy of my drivers license both front and back and someone will call me in 7-10 business days to release the hold once they reviewed my drivers license. On XX/XX/2020, I received a call from Capital One Document Verification team. The lady name was named XXXX, XXXX ID number # XXXX. She told me that she received my DL however my picture was croped. I told her I did not croped my ID but she insisted I did. She said please scan it in again. This time I copied it and created a PDF form since she said I croped it. 
XXXX said it will be 7-10 days before she reviews it. I called back to Capital One and the rep asked me was this my DL? I said yes. Im not getting any where with this company. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have gotten an absorb amount of credit hard inquiries within the past month I didn't authorize.

Company response to consumer: Closed with explanation