vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I call Experian to remove a late payment 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 non-monetary relief
Consumer complaint received 2021-01-25 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: FL

Complaint narrative:
I sent a dispute to the credit bureaus XX/XX/2020 In the results I got back I was informed that my XXXX XXXX account which was showing late payments were updated to they were never late ( 100 % good payment history ) Now when I pulled my new credit report today I noticed that these items were reinserted showing as late again and the company just simply changed their name on my credit report and reported them as late again. This is fraudulent in my honest opinion because they didnt follow the law pertaining to reinsertion and they also changed the name that they were reporting it under as if playing some type of game with me and my finances as I am being harmed badly by this unlawful reporting. My life, my finances, my credit report is no joking matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have Asserted my FDCPA rights by previously filing complaints requesting SELECT PORTFOLIO SERVICES, INC to provide validation reference account number : XXXX. I acknowledge receipt of their latest correspondence which was dated XX/XX/2020. In their correspondence they listed information regarding a trustee, mortgage back notes and a servicer and also stated that ownership status may change from time to time however they provided no evidence of chain of title, authorization to service new owners etc From their correspondence : It is unclear if I was granted a mortgage because a trustee is involved It is unclear if this is a mortgage because mortgage back notes fall under securities and any note that has a maturity that exceeds 9 months becomes a security which is security fraud on the face of it Furthermore, when my signature went on the paper, it became wagering money and wagering money contract has to be settled at the end of 3 years SELECT PORTFOLIO SERVICES, INC never responded to the request of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. XXXX  has received 90+ requests for these Nissan records in the past 188 days. Upon phoning XXXX XX/XX/21 XXXX 's agent XXXX employee # XXXX confirmed the existence of verified records ( lease document, etc. ) provided by XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX but refused provision of these business records relating to transactions and accounts. Please ASAP, without further obstruction, email XXXX these Nissan records XXXX verified existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: CA

Complaint narrative:
There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX  and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a dispute to the credit bureaus XX/XX/2020 In the results I got back I was informed that my XXXX XXXX  account which was showing late payments were updated to they were never late ( 100 % good payment history ) Now when I pulled my new credit report today I noticed that these items were reinserted showing as late again and the company just simply changed their name on my credit report and reported them as late again. This is fraudulent in my honest opinion because they didnt follow the law pertaining to reinsertion and they also changed the name that they were reporting it under as if playing some type of game with me and my finances as I am being harmed badly by this unlawful reporting. My life, my finances, my credit report is no joking matter

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 2021-01-25 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: CA

Complaint narrative:
There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX  and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.

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 2021-01-25 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: CA

Complaint narrative:
There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.

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 2021-01-25 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: TX

Complaint narrative:
Experian, XXXX. XXXX  XXXX, XXXX, Texas, XXXX Dispute on XX/XX/2021 Response XX/XX/2021 Report Number : XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I am including an attachments that the courts do not to report credit report bureaus. 
US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number ( XXXX ) XXXX Chapter XXXX bankruptcy discharged Case # XXXX Experian, XXXX. XXXX XXXX, XXXX, Texas, 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 2021-01-25 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TX

Complaint narrative:
I had 2 loans with XXXX that were charged off. The accounts were sold to XXXX XXXX. I settled with XXXX XXXX. I provided proof of settlement to both XXXX and Experian and yet are refusing to update the account to reflect that its been settled 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 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I tried reaching out to this company on XX/XX/2020 about this debt in the amount of {$270.00} that does not belong to me. They refuse to remove this from 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 2021-01-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had my mortgage set up for automatic payments in the past. In XXXX of 2020 I was in the process of refinancing with another bank. I called Fifth third bank and had my bank account removed from automatic payments I paid the XXXX bill through another bank account I have. Come XXXX, I refinance my loan on the XXXX. Fifth third continued to automatically charge my old bank account they had without my permission after the phone call I had with them in XXXX to remove automatic payments. The customer service rep ended up refunding the charges. Come two days later, I closed with my refinance and was charged again from fifth third bank to my old account.customer service was less than helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
We have recently completed a modification to our existing mortgage, for which we received a copy of the executed and notarized on XX/XX/XXXX. 
We called the single point of contact assigned to us multiple times to get the final executed copy of the modification, and since then have called multiple times to get our questions about details of our payment and fees, to little result. 
Even after we got the modification the timely payments sent have not been posted to the account. 
In addition we mailed a letter to the mortgage service company 's Qualified Written Response department on XX/XX/XXXX which has only been acknowledged, but not answered. 
We called on XX/XX/XXXX to our single point of contact and left another voicemail, and then called the main customer service line. 
The agent we spoke with reviewed our concerns and promised to send an email to our single point of contact 's supervisor, and told us to expect a phone call before the end of the day from that supervisor. 
It is now 72 hours and we still have not had any call. 
While it appears that one of our payments was finally posted, and our account brought up to date from 50+ days in arrears to 24 days in arrears this is not enough. 
We need all our payments to be applied in a timely fashion, we need our concerns in our letter to the Qualified Written Response to be answered, and we need our voicemails answered in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NY

Complaint narrative:
So as I stated in my previous complaint these fraudulent student loans are reporting late payments mind you they are fraudulent. Experience has recede my police report I still have the police report number which is XXXX with the XXXX police dept in XXXX, ny XXXX phone XXXX XXXX. I lost my ID and a multiple years ago I never thought to make a police report until I'm trying to get my 1st home in I noticed that there were student loans which were deemed fraudulent. I have been trying to resolve this matter for over 4 months XXXX has been compliant in the removed every account from my credit report XXXX & Transunion are the only fools who are non compliant as of right now. Please I'm begging you. 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 2021-01-25 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: NY

Complaint narrative:
So as I stated in my previous complaint these fraudulent student loans are reporting late payments mind you they are fraudulent. Experience has recede my police report I still have the police report number which is XXXX with the XXXX police dept in XXXX, ny XXXX phone XXXX XXXX. I lost my ID and a multiple years ago I never thought to make a police report until I'm trying to get my 1st home in I noticed that there were student loans which were deemed fraudulent. I have been trying to resolve this matter for over 4 months XXXX has been compliant in the removed every account from my credit report Equifax & XXXX are the only fools who are non compliant as of right now. Please I'm begging you. HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/2020 unauthorized with draw and transaction was made on my Alabama vantage card by way2go program .I did not do none of the transaction. On my card .it was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
On XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020 I reach out to this company about debt in the amount of {$3000.00}. I contacted credit bureaus about this debt but fell to remove this debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I placed a {$300.00} deposit payable to Flash Pack, a travel company, for a XXXX trip to XXXX XXXX that should have taken place in XX/XX/XXXX. On XX/XX/XXXX, I paid the remaining balance due of {$2400.00} for a total paid of {$2700.00}. These funds were paid with my Chase Visa Credit Card. Unfortunately due to COVID, the trip was cancelled. Then on XX/XX/XXXX I was informed that Flash Pack had unfortunately gone into administration ( bankruptcy ) and I was told by the Merchant ( Flash Pack ) that in order to get my money back I would need to dispute the charges with my credit card provider, I did so and Chase Visa credited my money back within 24 hours. However, in XX/XX/XXXX I was informed by Chase Visa that XXXX, the company that took over XXXX XXXX, disputed my refund and the charges again appeared due on my account. I have continued the dispute with Chase Visa since XX/XX/XXXX however they informed me as of today ( XX/XX/XXXX ) that Chase Visa is unwilling to refund my money since the charges occurred ' too long ago '. I am asking for this to be reviewed so I can finally be refunded the amount of money that I paid ( {$2700.00} ) for a service that was not provided after having been reassured that my funds would be reimbursed. According to the Fair Credit Billing Act it is my legal right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. I only found out about the bankruptcy on XX/XX/XXXX but Chase Visa is refusing to refund me. I have attached the original T & Cs ( doc attached ) as evidence that I am not protected by any financial failure insurance as this was in place for XXXX / XXXX customers only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have a home for a year now .the bank claimed my taxes increased I showed them the proof from my city that it did not and they refuse to rectify it. I have gone back and forth for a month now. I am aXX/XX/XXXXworking covid cases and a single parent .This is abuse from the bank. I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On recorded phone calls ; I was given different pay off balance amounts of a {$0.00} balance in the XXXX of XXXX on several occasions when I spoke to the Select Portfolio Servicing representatives. I was also told on several occasions that my balance would be {$60000.00} on XX/XX/XXXX. Then I was provide in XXXX that I would have to refinance or get a new loan of {$200000.00} in XXXX of XXXX. 

Some of the representatives that I spoke to were argumentative that they were right and I was wrong and if I was provided misleading information on the mistake of a representative that was most likely fired. I requested to hear or have someone in management review these recorded calls where I was provided misleading information regarding the alleged loan balance the I felt was paid off. I was denied of these requests for review of all of the recorded calls of the misleading information over the years that I made on time monthly payments to Select Portfolio Servicing, LLC. I also requested information on who is the owner of the alleged {$200000.00} note that Select Portfolio Servicing which I learned it was a part of MERS. During my research I learned this note was a part of the robo signing scandal where the chain of title was broken from whom the actually is the note holder. 

Furthermore, I had an official secularization audit down on the loan for XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX that highlighted the loan was securitized and paid off. I am disputing the amount of the payoff of {$200000.00} has I had to sell my house in XXXX as of a result of not being able to refinance to payoff the alleged {$200000.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been having issues with my Capital One credit card. I had gotten this card some 12 years ago. The last 5 years, they had been charging me an annual fee of {$39.00} a year even though I've never requested this new feature. The problem is I haven't used this credit card in 5 or 6 years. So every year Capital One would charge me the {$39.00} fee. Every year I would dispute this charge stating that I never use this card unless for emergencies. This time, the customer service rep refused to waive the annual fee. He would not explain why. So I asked him to cancel my credit card which he promptly did. 

My problem is if I'm trying to obtain better credit, wouldn't canceling a credit card hurt my credit score? My question is how can credit card companies start charging annual service fees when you never requested it?

Company response to consumer: Closed with monetary relief