vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: World Acceptance Corporation
State: TX

Complaint narrative:
There is 2 debts being reported to all 3 credit bureaus from World Finance. I have disputed these charges. There are 3 accounts and I only had one account with World Finance, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted World Finance about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XXXX XXXX. I contacted World Finance again and spoke to XXXX  on XX/XX/2020 and she informed me that if I pay {$200.00} that World Finance would remove this debt from credit, although this is not my debt, so I sent World Finance a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent World Finance. It still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
It is showing collection for over 10,000 and I was in a car accident and my full coverage insurance paid the car off in full

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 2020-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was attempting to refinance a mortgage at a lower rate with the same company that had my mortgage, Wells Fargo. The rep sent me some documentation. This documentation indicated my credit file would be reviewed by Wells Fargo. We were not at the point where I would let them review the file, not knowing what the new rate would be and knowing their receipt of my file would lower my score. I telephoned the rep, and she told me there would be no inquiry. This rep lied to me in order to obtain my report and without my consent. I complained to Wells Fargo, and they told me they would fix it. They routinely sent me notices extending the date by which they would reply. This past XX/XX/XXXX (? ) they told me it was fixed. Today, XX/XX/XXXX, I look at my XXXX   report, and the inquiry is still there. I eventually refinanced with another lender. 

XXXX/WELLS FARGO MOR Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

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 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XX/XX/XXXX I called Ocwen to start taking auto payment from my bank account # XXXX, for my mortgage payments. Before hanging up, the rep said ' We see where you have a negative balance in escrow, we divided by 12 months and came up with {$490.00} and added it to your {$680.00} modification payment. You new payment in XX/XX/XXXX is now {$1100.00} '. At the time, I was on an approved modification and my payments were approved for {$680.00}. I had only been on the modification for two months and was current with my payments, when they changed my payment without notifying me first and then tried to take the {$1100.00} instead of the {$680.00} without my knowledge or approval. I informed the agent at the time, I could not afford the amount of {$1100.00} because I am on a fixed income and my social security income was only {$1100.00} and a discontinued pension of {$640.00} until I reach the age for full pension, which is why I signed up for the modification to begin with. He told me to try it for a year and then ended the call without any further assistance. I tried sending a payment of {$710.00} in, which would have covered my approved modification payment but the y sent my payment back and I do have paperwork that they sent me, showing where I sent in my payment and they refused the payment and sent it back. It has been a nightmare from there and I have been fighting to keep my home ever since then. I have been turned upside down with my payments, at this point. My payments of {$680.00} where being sent to my escrow and the {$700.00} for XX/XX/XXXX was returned along with several other payments, with them stating I had to pay {$3000.00} overage first, before they would accept my approved modification amount. Since XXXX, Ocwen has changed the {$1100.00} payment to smaller amounts of {$600.00}, {$740.00}, etc., but still refuses to accept actual payment from me for the smaller amounts. Now when I put in for a modification, they are all being denied. I have a sale date of XXXX and is frantic with trying to save my home of XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under section 3513 ( d ) of the CARES Act, all student loan payments should not show up as deferred, but rather should be shown as if regularly scheduled payments are being made. Transunion is reporting deferred payments and is negatively impacting credit reports/scores, which goes directly against the CARES Act.

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 2020-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
This is a follow up complaint to CFPB complaint ID XXXX and XXXX. AMCOLLENT continues to report this debt on my credit report despite my repeatedly disputing the debt and explaining why this is not owed. I have asked politely for this to be corrected immediately on multiple occasions but they have been rude on occasion and unresponsive on others.

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are multiple phone numbers and addresses in my credit file that do not belong to me.

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 2020-05-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a certified letter to Equifax asking them to close the open dispute as well as delete all notes regarding the open dispute with XXXX XXXX XXXX since I was able to get a settlement agreement with them. I sent another letter to them overnight via USPS on XX/XX/2020 and again on XX/XX/2020 via fax communication from XXXX XXXX. I have receipts and signed certified card with date stamp. I called this morning once again and asked for a manager then was immediately transfered to an automated line. I called a few more times and reach an individual from what sounds like XXXX. He said they do not have my mail that they signed for on XX/XX/2020. Nor did he have the mail I sent over night via usps. I desperately need this dispute closed. I can not close on my first home until this is taken care of. I've even sent them proof of the settlement with the creditor. I need urgent help please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: GA

Complaint narrative:
1 ) I have canceled this membership twice by providing my ID to cancel this membership as required per the membership agreement with the XX/XX/XXXX XXXX. This was done in person. 

2 ) On XX/XX/2020, I received an email and call from XXXX XXXX XXXX XXXX and disputed the charge. I reiterated I had canceled the membership long before this charge. I further requested that communication should be done in writing as I was spoken to in an inappropriate tone. I never received another communication. The employee stated even if it was declined on the fact it was fraudulent we can still collect. I also notified the Federal Trade Commission at this time because of the attempt to collect a debt that was clearly fraudulent. I never received any further communication from XXXX XXXX XXXX XXXX. 

3 ) This charge was billed to a XXXX XXXX XXXX credit card even though I had entered XXXX XXXX XXXX XXXX twice and provided my ID to cancel this membership. I initiated a fraud chargeback process as this was not a legitimate charge. I won this case and was refunded the amount plus additional charges including interest to my credit card. 

4 ) I received a call from First Credit Services and further stated no communication is allowed via phone. It is to be done in writing. I also explained this debt was because they attempted to charge my card and it was deemed fraudulent. I stated no verbal communication because the company threatened this would damage my credit and be reported event though it was deemed fraudulent. 

Is it common practice for First Credit Services to attempt to collect on charges that have already been deemed fraudulent or not valid? According to the FCRA, this practice is deceptive and reportable. XXXX XXXX XXXX XXXX knew the account had been closed, the bank concurred with the finding the account had been closed yet XXXX XXXX XXXX XXXX and First Credit Services Inc are attempting to collect on a fraudulent basis. I have notified the three credit bureaus with this information. I have also contacted the following agencies to report this incident Consumer Financial Protection Bureau, the Georgia Governors Office of Consumer Protection and the Federal Trade Commission. 

5 ) A letter disputing this debt was mailed to both XXXX XXXX XXXX XXXX and First Credit Services on XX/XX/2020. No response from that letter was received. On XX/XX/XXXX, the account was added to my credit file even though I was disputing the debt in writing with the original debtor and the debt collection company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ERC
State: FL

Complaint narrative:
There are multiple phone numbers and addresses in my credit file that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: CA

Complaint narrative:
I purchased two tickets with XXXX XXXX using PayPal on XX/XX/19, confirmation number XXXX and XXXX for XXXX dollar. 
The tickets were cancelled on XX/XX/XXXX and we had to purchase another sets of tickets directly with XXXX XXXX at their counter. XXXX XXXX promised a refund of XXXX dollars on XX/XX/XXXX and sent us the refund confirmation through email. The refund was promised to be returned to PayPal withi 4 weeks but we have never received it. I have submitted multiple refund request to PayPal and through XXXX   complaints with email print out and description of the events, all got declined or not responded. Extremely disappointed and angry at PayPal especially that this XXXX is important to us during this difficult time. Shocked by how ethical this company is. 

PayPal dispute case number - XXXX We filed a case dispute on XX/XX/XXXX regarding a missing credit from XXXX XXXX. PayPal did not even read my submitted documents carefully and denied The case without giving me way to reopen it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are multiple items in my credit inquiry history that I did not make.

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 2020-05-11 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: TX

Complaint narrative:
There is 2 debts being reported to all 3 credit bureaus from XXXX XXXX. I have disputed these charges. There are 3 accounts and I only had one account with XXXX XXXX, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted XXXX XXXX about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XXXX XXXX. I contacted XXXX   XXXX again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that XXXX XXXX would remove this debt from credit, although this is not my debt, so I sent XXXX XXXX a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent XXXX XXXX. It still remains on 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 2020-05-11 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: TX

Complaint narrative:
There is 2 debts being reported to all 3 credit bureaus from XXXX XXXX. I have disputed these charges. There are 3 accounts and I only had one account with XXXX XXXX, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted XXXX XXXX about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XX/XX/2020. I contacted World Finance again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that XXXX XXXX would remove this debt from credit, although this is not my debt, so I sent XXXX XXXX a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent XXXX XXXX. It still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TX

Complaint narrative:
There is 2 debts being reported to all 3 credit bureaus from XXXX XXXX. I have disputed these charges. There are 3 accounts and I only had one account with XXXX XXXX, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted XXXX XXXX about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XX/XX/2020. I contacted XXXX   XXXX again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that XXXX XXXX would remove this debt from credit, although this is not my debt, so I sent XXXX XXXX a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent XXXX XXXX. It still remains on 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 2020-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
Specialized Loan Servicing Crooks ... .. My husband passed away in XX/XX/XXXX. I found out loan was in default and paid it current for 16 months at XXXX a month. I have tried to contact them to no avale ... the loan is his only. I am not on it, couldnt talk to me no authorization. All mail went to PO Box I had no access to. I sent letter to modify so I could afford and keep house. I quit paying when could get no information. The title has been in both names from XX/XX/XXXX. He was able to refinance over and over when his business was failing and could not have qualified if verified. He has leins on property ... please help me ... ..

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 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
under ID # XXXX filed XX/XX/XXXX with the CFPB I had complained about difficulties in Communcation with Wells Fargo.I was not requesting forebearance and made a full payment ( P & .I. and escrow ) for XX/XX/XXXX .After discussions with XXXX XXXX of the excutive office of Wells Fargo , I made a payment of Interest only plus Escrow ( {$1600.00} ) by EFT on XXXX XXXX towards the XX/XX/XXXX payment.This payment was made pursuant to a telephonic communication with A Wells Fargo Executive Resolution Specialist with the Consumer Care and Recovery Group.Also with the " Executive '' office.I received a confirmation # for such payment ( XXXX ) .My conversation was recorded by Ms XXXX XXXX , the agent with whom I spoke.At that time I asked to speak with Ms XXXX ( since I dialed her extension,XXXX, but ahwe wqas otherwise occupied. i specifically stated that the payment dhould be applied to Int. & Esc,. and asked if i Should separate the payments >I was assured that one payment would be adequate.Today, Orally I was advised that the payment was not applied but would remain in ESCROW until I started making full payments and that " Everything would be put on the back end of the loan ( The entire payment of {$2100.00} ) I have just " Read '' that my time is running out. so I will continue my narrative in the next section ( Fair Resolution ) There is more to this complaint since this bank is dealing in a deceptive offering at resolution!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 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: IL

Complaint narrative:
I requested validation and verification of a bankruptcy with XXXX, that has been reporting to the Experian and XXXX credit bureaus. After 30 days I received a response from XXXX XXXX stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. XXXX XXXX violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse via mail to verify if XXXX XXXX verified with them. I received a letter from the court clerk stating THEY DO NOT give any information to any of the credit reporting agencies including XXXX XXXX. I do not know how XXXX XXXX received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

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 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
My XX/XX/2020 was not process with the bank in time. The intrest charge resulted in {$2200.00} in intrest. I paid the XXXX. The store card is XXXX XXXX which is associated with Comenity Capital Bank

Company response to consumer: Closed with explanation