vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 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: AL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint.I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: AL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint.I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

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 2022-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX @ Commenity bank XXXX. EXT XXXX. She has been calling and leaving messages on family members phone numbers and non related people with the same last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Due to COVID I was not employed when I was able and ready to return to work my only child was XXXX  in XXXX of 2021. The mortgage is held with PHH/ XXXX  dont understand the difference. When I was allowed to be in deferred status I requested every month to have the loan be process for a modification due to the fact that my son was XXXX  and he assisted me with my financial support. I was repeatedly informed that there was no need to start the process until the deferment period ended. ( The Loan is in my mothers name XXXX XXXX I am the POA have been for over 15 years ) I asked repeatedly if they were part of the California mortgage relief funding program I was lied to and was told yes. After the program was finally available in California I applied to my horrible surprise I was informed that I would not be able to receive help because PHH is not part of the program. 

Due to their on going deception I have lost valuable time to seek assistance to maintain my home. 

I have been a emotional wreck since the XXXX of my son which they are well aware of due to the fact I was asked to submit a statement. 
Why would PHH lie. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: CA

Complaint narrative:
This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-08 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: CA

Complaint narrative:
This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid for two services that were misadvertised to me and when I contacted the bank they gave me provisional credit. Now they are taking it back and claiming I was incorrect to file the chargeback since I can not provide enough evidence. I am not a detective, my money is going to be stolen from me by the bank for a service XXXX wont be using which is ridiculous. So Im paying {$800.00} for yearly services I wont be using.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CO

Complaint narrative:
Payment made XX/XX/XXXX for {$1200.00}. System said no payment due until XX/XX/XXXX. Payment system automatically took another payment on XX/XX/XXXX for {$1200.00}. Phone call placed to USBANK to correct this, and I was offered a return check that would arrive in 2 weeks or that the additional payment be applied toward principal. I opted for the XX/XX/XXXX payment be applied toward principal on phone call on XX/XX/XXXX... I still see no reflection of this in the ledger as of today although an agent confirmed over the phone that it was done again properly today XX/XX/XXXX. 

I want all applicable interest returned to my account as a credit. I am being overcharged.

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 2022-01-08 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
When CV19 hit, I had to shut down my business, as millions of others in America had to do.

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I check my credit reports faithfully everyday through my XXXX XXXX XXXX XXXX XXXX to make sure all is well. On the morning of XX/XX/2022 I was notified my score had changed due to a Collection. I was immediately alarmed & upset because I havent received anything from any collection agency. I logged into my XXXX & XXXX account & seen a collection account for {$370.00} on my credit reports from a company named RADIUS GLOBAL SOLUTION, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN. Ive NEVER received ANY PHONE CALL from this agency & Ive NEVER received any letter!! No form of communication at all!! I dont even know of anything where I would owe {$370.00} because I pay all my bills & again, I havent received any type of communication about a {$370.00} debt!! Now my credit score has dropped horribly because of this company! If I hadnt checked my credit report I wouldnt have known anything about this company. I dont have any idea who this collection agency is or what the collection is for or from. Can this please be investigated & completely removed from my credit reports history? I need this to be removed & stopped before it attacks my XXXX credit report. I will attach a screenshot of what I seen on my XXXX credit report. Thank you for ALL your 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 2022-01-08 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: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 60 days and I haven't received any investigation results.

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 2022-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a loyal customer of Bank of America and have an outstanding credit history with them, which continues to this day. In 2017 my children and I were in a car accident which created a total loss on the vehicle I was financing through Bank of America. As a somewhat educated consumer I still was not clear on the settlement protocols between insurance, myself and the lender. I believed the payment from the insurance company would count as my XX/XX/2017 payment. This turned out to not be the case and I was notified that my payment was 30 days past due. I immediately paid the outstanding balance. This 30 day late payment was reported to the credit reporting agencies and has been impacting my credit ever since. I understand the bank has procedures to follow but I feel this was an extenuating circumstance where we were dealing with a catastrophic event in our lives and no empathy or effort was made by the lender to explain the situation and reasonably resolve it. I understand if I had a history of delinquency that this should not be up for debate but my on time payments with this lender alone should demonstrate it was an anomaly.

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 2022-01-08 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: AL

Complaint narrative:
Set an letter and I havent gotten a response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove This in accurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: AL

Complaint narrative:
Set an letter and I havent gotten a response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove This in accurate information from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My credit has been bad for years. Yes, I have student loans. Yes, I have some bad marks on my credit, BUT I have positive also. I have worked my way into having enough income to pay everything on time. I have had on-time payments for over a year. Is there no chance of ever improving my score no matter how long I pay my bills on time? I have under {$2000.00} in bad marks, but thousands and thousands of good ones. I am paying on my {$1800.00} in bad debts every. month. Is there no balance? This is in both Transunion and XXXX. I can't get anywhere. I can't get loans at any kind of reasonable rate. I can't get a home loan. I can't get anything. I am a XXXX-year-old XXXX XXXX XXXX holding, full-time working, tax paying citizen that can not get a higher credit score. The parameters needed to improve my credit score are too harsh and people like me need some kind of relief in sight or what is the point of moving forward?

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 2022-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
On XXXX we received a paper letter stating our mortgage was in collections so we immediately called the company. We were concerned because we had made our payment on time and in full. They told us that our escrow had started up and we hadnt made the right payment amount therefore it went into collections. We never received any communication on our payment going up and when it would. So we called immediately and made the payment. We kept watching our account and it never debited. Then received a phone call yesterday, we called back and they informed us that the payment didnt go through. They listened to the recorded call and learned that their representative typed in our account numbers incorrectly. This company has made so many mistakes since we started using them. Their customer service is horrible

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 2022-01-08 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: MN

Complaint narrative:
I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: NJ

Complaint narrative:
When CV19 hit, I had to shut down my business, as millions of others in America had to do.

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: NJ

Complaint narrative:
When CV19 hit, I had to shut down my business, as millions of others in America had to do. 

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up 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 2022-01-08 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: MN

Complaint narrative:
I have previously disputed with transunion, XXXX and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-01-08 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: MN

Complaint narrative:
I have previously disputed with XXXX, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
As of XX/XX/2019 the account was Charged Off. Since the company is in violation of 16 CFR 433.1, 433.2, and 433.3 and this should have been an open ended account, they are posting false and misleading information in the public, which is causing damage to my person. 

The account says closed, but they are still doing inquiries into the account without my express written permission to do so. 

These are in direct violation of : 15 USC 1692c ( a ), ( b ) 15 USC 1692b 15 USC 1681b 15 USC 1681s 15 USC 1692e ( 8 ) 15 USC 1681n Pursuant to the 15 USC titles above, this is evidence that I am being subjected to custom and usage practices of BARCLAYS BANK and injury has occurred.

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 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I am a customer of XXXX bank and payment order for XXXX XXXXon XX/XX/2021 and was debited from my account on that date later it was rejected not the cause for that but it was never credited again in the account and the bank does not give news despite the claims. I am not a national and I find it very difficult to understand and communicate.attached information Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX or XXXX 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 monetary relief
Consumer complaint received 2022-01-08 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: CA

Complaint narrative:
Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.

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