vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Shows a recent payment of {$51.00} updated XX/XX/XXXX causing my scores to drop XXXX points each month. Last payment reported is XX/XX/XXXX. I have reported this on numerous occasions and filed multiple complaints with CFPB and all credit reporting agencies. This company is constantly reporting inaccurate data and affecting my credit profile as well as my credit score. This account is to be permanently removed off my credit profile due to multiple monthly reporting errors. I have file multiple disputes with XXXX, XXXX and XXXX over this inaccurate credit reporting with this company. They are willfully violating the XXXX. I will also be making a complaint to XXXX  and XXXX. If this account is not removed I will be reaching out to a consumer rights attorney and filing a lawsuit in regards to this issue.

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 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Original debt was to XXXX XXXX XXXX for {$250.00} was paid on XX/XX/2021 by check # XXXX. Now a debt collector has reported a collection of XXXX to credit reporting agencies. I have no idea why the amount is higher, and also the bill was paid directly to the dentist in XXXX of 2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: IL

Complaint narrative:
I received a credit inquiry from Target Friday XX/XX/2022, on my locked credit report that reduced my credit score by XXXX points. I did not absolutely not attempted to apply for any Target Credit AT ALL. I am currently out the country in the XXXX XXXX on vacation and have no need to apply for any credit while I am vacationing. Please have Target to remove the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/22 around XXXX XXXX  I received a called from a person claiming to be from XXXX XXXX electricity company collection agency to collect a debt, the person that called told me I need to pay 800.00 immediately to avoid service interruption, They called from XXXX XXXX after I called back the number to verify which had the same prompts as XXXX XXXX I made the payment, after making the payment the persons attitude changed and I questioned them, I immediately called my bank Citizen 's to confirm what appeared to be XXXX XXXX payment to find out it seem to be a scam, I asked the rep to flag the transaction which he said he did, then I call at a later date to find out they still allowed it to go through. 
it was a XXXX payment feature through my banks website My citizens bank claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The drama continues. I just spent at least an hour documenting in great detail the problem I am having. I lost it all. 
Basically, and in far fewer words. I made a purchase from The Childrens Place on XX/XX/2021. I used Childrens Place credit card ( XXXX Bank. ) I paid the account off with my XXXX XXXX Credit card on XX/XX/2021, well before it was due. Comenity Bank has not given me credit for the payment. XXXX ( XXXX Bank XXXX XXXX ( Comenity Bank ) and I were on a conference call where XXXX XXXX gave detailed information proving I had paid this bill with my XXXX XXXX. XXXX stated he was submitting a complaint on my behalf. I have yet to receive any response from them indicating they are researching where the {$110.00} payment was applied. I have continued to receive statements with ever increasing late fees as well as interest. Ive called twice today to Comenity. No resolve. Ive spent at least 4 hrs attempting to resolve this issue. Is Comenity scamming ppl???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I entered a forbearance plan in XX/XX/XXXX because I my finances were negatively impacted by COVID-19. In XXXX of XXXX my job was terminated, and I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I began working with my current employer on XX/XX/XXXX as a full-time employee, and my annual gross income is {$100000.00}. 

I have been in contact with my servicer, Specialized Loan Servicing ( SLS ) since XXXX of XXXX. I have submitted multiple mortgage assistance applications to have my loan modified, deferred, or put on a repayment plan. In the applications I submitted in XX/XX/XXXX and XX/XX/XXXX, I included all required paperwork, including pay stubs, tax returns, and bank statements. 

My monthly mortgage payment is {$1500.00}, the total amount owed is about {$33000.00}, my monthly gross income is {$9000.00}, and my monthly take home pay is about {$6000.00}. I'm also applying for the Virginia Mortgage Assistance fund. 

So far, SLS has refused to offer an assistance plan that lets me keep my house. They have refused to put the total amount owed in defferment, set up a repayment plan, or modify my loan with a 3 month trial period. I have shown sufficient income to begin making monthly payments, but they are threatening to forclose my house. 

They also reported my mortgage as deliquent to credit bureau agencies, even though I applied for assistance. I have had multiple SLS representative state that SLS won't move forward if I'm applying for assistance, but they have destroyed my credit score and made it nearly impossible to find financial resources to pay the lump sum owed. 

Note : I have the names, employee IDs, and date of contact for the SLS representative I talked to. I have also been in contact with a HUD-approved housing counselor.

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 2022-02-18 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX XXXX. Your company has not responded to my previous written communication that was sent via certified mail and received by you on XXXX XXXX. I have attached that communication to this complaint. Please respond accordingly. Accounts should appear on my consumer report with my written permission and no other. In addition, while an account is under dispute it should be DELETED from my report until the dispute is resolved. Please respond directly to my attached letter or I will seek monetary compensation in the form of {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I wanted to file against Portfolio Recovery Association, LLC that they called me often time without left the message on my telephone, XXXX. 

I do not know if there's a rule for them " must leave the message '' if I am not available on the telephone? 

Also, Portfolio Recovery Association is violated to use my debt collection of CareCredit ( for medical expenses ) under XXXX Bank for my privacy XXXX  rights. Also, I am complaint against them because they submitted the summon document with the county courthouse without reasonable due my XXXX privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I wanted to return an item from a XXXX seller but they just ignored me! No response on returning this item. Heavy XXXX retrictions casused the purchase items to not be useable. XXXX will not listen to me an refund and or charge back the item I have in dispute! {$330.00} XX/XX/2021 XXXXSynchrony Bank

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 2022-02-18 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-18 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: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
I filed a complaint with the XXXX XXXX for unfair practices and phone harassment. Company sent a letter admitting fault but never said it was for my complaint, admitted fault for not including me in the XXXX virus static program, so they repaired my credit, and agreed to release my vehicle. XX/XX/22 I called to release my vehicle, but made several Calls back and for for XXXX hrs, never getting it released from auction.

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 2022-02-18 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: FL

Complaint narrative:
Reviewed my payment history with XXXX  for this account l, and for some strange reason theres one late payment report. Not only is there one late payment reporting its immediately for 90 days not 30. Lets be clear eventhough this late payment is showing for XX/XX/2018 this is my character, my credit my reputation was never late Ive been a loyal customer of XXXXXXXX even until this day me and my family have XXXX XXXX simply asking for a correction to the way the payment history is reporting with transunion.

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 2022-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Bank was bought out or merged with another bank and during that process my loan ended and there was a problem at the end of the loan related to the credit reporting. They are reporting numerous late payments and currently reporting me as past due in the amount of {$12000.00}. 

I have filed a complaint previously and it was forwarded to the Office of the Comptroller of the Currency. I received a letter from them dated XX/XX/2022 and they stated that XXXX made a correction to delete the negative late payments. To date, they still have not corrected it. I am really at a loss here.

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 2022-02-18 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement NAVY FCU on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX, and/or XXXX ] consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides XXXX A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not Give Written Instruction to do and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with NAVY FCU. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with NAVY FCU for review or collection. 
Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$2400.00} XXXX XXXX / XXXX / {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: GA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX BXXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX or XXXX of 2021 we made one of our initial contacts with Shellpoint Mortgage. Here we were contemplating being able to opt out of the forbearance option that we had initiated with XXXX XXXX. When attempting to figure out the reason behind an increase in our payments, Shellpoints agents advised us that the they did not show payments that matched what our statements did, and that the statements they were sending us were incorrect. In addition, there was a discrepancy about a XXXX credit on our escrow. When asked what the payments were in case we decided to make them, the agents could not tell us. Without the information we decided to proceed the forbearance ; at the same time Shellpoint was telling us encouraging us not to make payments, and telling us it would not effect or credit. Later last year we decided to go on a payment plan for three months so we could then modify our loan. Shellpoint gave us a trial payment plan for XXXX, XXXX and XXXX We found during that time that Shellpoint has been reporting our delinquency to credit, began the foreclosure process even though they have denied or avoided the question on several occasions and that the XXXX escrow credit is now a deficiency which now has to be integrated back into our loan. Generally I would take my business elsewhere, but the impact of my credit prohibits that and other options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifaxhas placed a hold on my credit report preventing me from being a productive citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: CA

Complaint narrative:
Experian, XXXX and XXXX are all reporting inaccurate information regarding 2 accounts in collection on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Account XXXX are claiming I owe them an alleged debt which is not mines. I have tried to resolve this directly with the bureaus but they have not correct my report by removing these fraudulent accounts that are being reported without my consent. I demand that this inaccurate information be removed immediately. According to 15 USC 1681i ( A ) ( 1.A ) they must remove the misleading information while under investigation. These debt collectors are harassing me by sending me letters in the mail saying I owe them for a alleged debt that is not mines.

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