vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX : XXXX {$2200.00} XX/XX/XXXX XXXX XXXX : XXXX {$3500.00} XX/XX/XXXX XXXX XXXX  XXXX : XXXX {$1100.00} XX/XX/XXXX Inquires I do not recognize XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX-Equifax-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Complaint is about Credit Karma. They prepare taxes as a benefit to members. I was working on my taxes and had saved it. They submitted them to the IRS without my approval. 

I reached out to them twice. They finally answered today. Here is the response from the email : Why CK submitted Tax Return? : Case # XXXX Thank you for reaching out to Credit Karma Tax. I understand you weren't done with your return. Your return has been submitted and accepted already. You will have to file an amendment to make any changes to your return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
We applied for a home equity loan in XX/XX/2020. We did it over the phone with PNC Bank. For some reason ( no one could explain why ) a couple of weeks later they said we had an incomplete application and that we needed to apply again. I asked the representative on the phone if that would hit our credit again or if they would use our score from the previous application. He assured me they would use the score from the first application. However, when I just recently went to XXXX I noticed that PNC pulled my credit twice, one for each of those applications we put it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and even though 2 bureaus stated they would begin the investigation and forward me the results, I STILLl have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I called to pay my last bill of a return check fee of {$29.00} which I dont feel like I should have to pay because it was a mistake I already explained that in my other complaint that has no response to. When I made the payment of {$29.00} on XXXX it was late due to the automated system did not let me pay it, it kept trying to transfer me to a live person which I didnt want to do that because they charge a fee to pay with a person. I wind up having to pay on line and there for it was after XXXX XXXX but I was trying several attempts to pay through the automated but it was not allowing me. This was supposed to be my last Bill which I dont feel like I should have to pay the return check fee or the late fee. Yall closed my card even though I was making on time payments and everything. I would really just like to be done paying this card. I have enough things going on involving my health and this pandemic I would like both fees removed please because neither of them are my fault. I dont want to have to get my lawyer involved and take yall to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE SENT OUT MULTIPLE DISPUTES REGARDING FRAUDULENT INFORMATION ON MY CREDIT REPORT. THE LAST DISPUTE I SENT OUT WAS XX/XX/2021. THERE HAS BEEN ZERO RESOLUTION TO MY CREDIT REPORT AND I UNDERSTAND THAT WHEN CLAIMING ID THEFT AND FRAUD THE BUREAUS ONLY HAVE 4 BUSINESS DAYS TO REMOVE THESE ACCOUNTS. ITS BEEN MONTHS AND NOTHING HAS BEEN SOLVED. I AM VERY DISSAPOINTED, THIS IS HINDERING MY ABILITY TO BUILD MY BUSINESS, I AM STRUGGLING FINANCIALLY AND THIS ISNT HELPING. 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 2021-03-02 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: CA

Complaint narrative:
I HAVE SENT OUT MULTIPLE DISPUTES REGARDING FRAUDULENT INFORMATION ON MY CREDIT REPORT. THE LAST DISPUTE I SENT OUT WAS XX/XX/2021. THERE HAS BEEN ZERO RESOLUTION TO MY CREDIT REPORT AND I UNDERSTAND THAT WHEN CLAIMING ID THEFT AND FRAUD THE BUREAUS ONLY HAVE 4 BUSINESS DAYS TO REMOVE THESE ACCOUNTS. ITS BEEN MONTHS AND NOTHING HAS BEEN SOLVED. I AM VERY DISSAPOINTED, THIS IS HINDERING MY ABILITY TO BUILD MY BUSINESS, I AM STRUGGLING FINANCIALLY AND THIS ISNT HELPING. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I was offered a loan modification which turned into a 2 year fiasco, now, i have repeatedly asked for copies of many documents with no response. My escrow account is a total mess, i have no idea how it is being managed as well as my payments being returned to the bank, numerous property inspections for which i have requested info on and Nationstar/Mr Cooper never responds to any of my requests,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: NY

Complaint narrative:
This is showing up again. I spoke with XXXX- this never should have been charged to me. I had nys no fault AND private insurance AND NYS Medicaid as I was pregnant. They advised me they would be removing it. 

Now its back on my credit report, apparently from a collection agency, that I have never heard from either.

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 2021-03-02 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
On XX/XX/XXXX, LVNV FUNDING LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: MI

Complaint narrative:
On XX/XX/XXXX, and XX/XX/2021, I made {$1000.00} and {$15.00} payments to my Visa credit card with XXXX XXXX XXXX. I checked my Credit score through XXXX XXXX, XXXX, XXXX, and Transunion on XX/XX/2021, My XXXX score decreased by 11 points because XXXX XXXX XXXX refuses to update the correct information. I spoke with a representative, named XXXX from XXXX, and I was told that my score decreased by XXXX reported on XX/XX/2021, that I did not make payment and showed a high balance. I called XXXX and inquired why they did not report the correct amount on XX/XX/XXXX, and I was told that I had to wait until XX/XX/2021. I have applied to several employers in the month of XXXX and I believe this has caused me not to receive interviews for jobs. This is unfair and I believe it violates my rights. I would like to file a suit for compensation. Please help me with this situation, I need employment!!!

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 2021-03-02 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: MI

Complaint narrative:
On XX/XX/XXXX, and XX/XX/2021, I made {$1000.00} and {$15.00} payments to my Visa credit card with XXXX XXXX XXXX. I checked my Credit score through XXXX XXXX, Equifax, XXXX, and XXXX on XX/XX/2021, My Equifax score decreased by 11 points because XXXX XXXX XXXX refuses to update the correct information. I spoke with a representative, named XXXX from Equifax, and I was told that my score decreased by XXXX reported on XX/XX/2021, that I did not make payment and showed a high balance. I called XXXX and inquired why they did not report the correct amount on XX/XX/2021, and I was told that I had to wait until XX/XX/2021. I have applied to several employers in the month of XXXX and I believe this has caused me not to receive interviews for jobs. This is unfair and I believe it violates my rights. I would like to file a suit for compensation. Please help me with this situation, I need employment!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: MI

Complaint narrative:
On XX/XX/XXXX, and XX/XX/2021, I made {$1000.00} and {$15.00} payments to my Visa credit card with XXXX XXXX XXXX. I checked my Credit score through XXXX XXXX, XXXX, Experian, and XXXX on XX/XX/2021, My XXXX score decreased by 11 points because XXXX XXXX XXXX refuses to update the correct information. I spoke with a representative, named XXXX from XXXXXXXX, and I was told that my score decreased by XXXX reported on XX/XX/2021, that I did not make payment and showed a high balance. I called XXXX and inquired why they did not report the correct amount on XX/XX/2021, and I was told that I had to wait until XX/XX/2021. I have applied to several employers in the month of XXXX and I believe this has caused me not to receive interviews for jobs. This is unfair and I believe it violates my rights. I would like to file a suit for compensation. Please help me with this situation, I need employment!!!

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look and remove finally this item because I am victim of Identity theft and only Transunion brought this account to my credit report. I can not understand why the only one Bureau Transunion reporting misleading information. I ask you to make investigation and protect me for having this kind of situations again. Why Do I need fight with you guys in order to have credit report with my accounts and without any mistakes? Why its so complicated? Its very important nowadays and I am very sad when I see errors in reporting and that Transunion doe snot pay attention to this.

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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: GA

Complaint narrative:
I received on XX/XX/XXXX from Linebarger Goggan Blair & Simpson, LLP, a debt collection law firm. 

The notice claims that I owe a debt related to a parking violation that occurred on XX/XX/XXXX in XXXX, TN. I do not own the vehicle in question, and never registered a vehicle with the license plate in question. 

I informed the debt collector that I had co-signed for a similar vehicle nearly a decade prior to the parking ticket, but that I no longer owned or had any interest in the vehicle, and I was unsure if that was even the vehicle in question but that I never owned or operated any other vehicle with that description. 

The collections representative that I spoke with was exceptionally rude and insisted that since I had once co-signed for a vehicle a decade earlier, that was since paid off and no longer in my name, that I was now responsible for the parking ticket debt. I called back the next and was told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I refinanced XXXX of last year and my loan was transfered to NewRez LLC. NewRez LLC is a part of ShellPoint Mortgage. The loan refinanced is a conventional loan. I have over 20 percent equity at time of refinance and closing. I do not pay any PMI. My taxes were escrowed at the beginning of the loan. Per proper mortgage and lending practice my taxes and Homeowners Insurance do not require escrow on a conventional loan. The lender is predatory and has refused to remove escrow account and refund my escrow balance. NewRez informed me that there is a 24 month hold on my account to remove escrow. This is not standard practice and the lender is acting in bad faith. All of my mortgage payments have been on time with zero late payments. 

The NewRez lender has also made it difficult to refinance due to exorbitant fees to get out of the loan. The lender is predatory and has thousands of online complaints. I am seeking remedy in having them remove escrow account immediately and refund the balance. Please find predatory NewRez Fee Schedule attached. 
XXXX XXXX XXXX  The lender also plays malicious games when making payments online where they deliberately do not withdraw payments from your bank account at timely manner. I've had to call them repeatedly and email them to let them know I am on to them and for them to make sure they are debiting my payments to avoid any late fees. There are thousands of complaints online of NewRez deliberately not crediting payments to accounts. The lender also does not update credit bureau in a timely manner to show ontime payments. 

Below are URL 's of other Americans like myself complaining all over the internet about NewRez and ShellPoint predatory and bad business practices. The XXXX people need protection from predatory and criminal businesses like ShellPoint and NewRez. The usarey fees alone should set off alarms in addition to all of the other complaints I noted in complaint. 

https : XXXX https : //www.trustpilot.com/review/shellpointmtg.com

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX ... XXXX Acct XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC
State: TX

Complaint narrative:
Repeated calls multiple times within the hour. My voicemail clearly says they have reached my place of business, but they keep calling. Answered a short while ago and they would not identify themselves by company, only XXXX calling from XXXX regarding a personal matter. 

I told them this was a place of business and that they could not call there. They said it was a good number and continued to ask for me by name. 

Tuesday XX/XX/XXXX Calls : XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
We recently refinanced with Stearns Lending. We went paperless with the company and signed up for auto-payment on our monthly mortgage. 

Today we checked if the payment went through and nothing has been deducted from our bank account. ( it should have been paid on XX/XX/2021 via autodraft ) See attached screenshot from the bottom of our XXXX statement acknowledging that an autodraft will occur. 

We've tried to manually pay on their website but there is no option to pay. We've been on hold for 3 hours with no answer. The phone line does not go to a live agent. I don't see any email address, but I was able to submit a message via their website. I've also messaged their XXXX and XXXX page. No response yet.

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 2021-03-02 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: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
This is showing up again. I spoke with windsong- this never should have been charged to me. I had nys no fault AND private insurance AND NYS XXXX as I was pregnant. They advised me they would be removing it. 

Now its back on my credit report, apparently from a collection agency, that I have never heard from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is a complaint against Wells Fargo Bank N.A. My father and mother had a trust account with Wells Fargo Bank N.A. since XXXX. They banked with Wells Fargo Bank N.A. for over 20 years. My mother passed in XXXX, so my father became the only Trustee on their Trust. No credit cards have EVER been issued on this account. No mobile banking, no online banking, and only paper statements were ever issued on their accounts. Beginning in XXXX of XXXX and continued until XX/XX/XXXX, over {$180000.00} was frauded by a unauthorized user who gained access to his account with the assistance of Wells Fargo Bank N.A. My father discovered it in XXXX of XXXX, of which I was at the bank with him. The bank did nothing so my dad filed a police report and a fraud report with Wells Fargo Bank. Sadly, my father passed in XXXX of XXXX. Wells Fargo Bank N.A. did eventually reverse the Visa credit card charges, but never restored the monies that were transferred out or withdrawn illegally by the person who is now facing 22 XXXX  charges in XXXX Count Court. I have made no less then 15 letters and contacts with upper management ; ie ; CEO, President, VP 's of Wells Fargo Bank N.A. I am listed as a victim to this crime by the XXXX XXXX Attorney and the case goes to trial XX/XX/XXXX. The amount is around {$85000.00} that is still missing from this 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