vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumers report. The following reportings are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be removed from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.

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 2022-01-11 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: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. SYNCB/CHEVRO is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( SYNCB/CHEVRO 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 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. JPMCB XXXX  is reporting late, yet it is closed and the balance is zero as reported in XXXX. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( JPMCB XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. BRCLYSBANKDE is currently showing 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( BRCLYSBANKDE 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 2022-01-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Good afternoon, My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ XXXX less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted Barclays letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. They offered me a settlement instead and I accept it. I paid them in full. I contacted them and explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not be reported on my account. Even though I settled with them in XXXX of XXXX, they are still reporting the account is in collection which is incorrect. ( Dates on my credit report - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Late Payments ). I want the late payments remove from my credit report. I'm trying to refinance my home so I can pay off my credit cards and the late payments are messing up my credit score and it is hindering me from doing so. 
Thank you very much.

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 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX years ago I was a victim of an online scam involving Bank of America which I had a checking account with. A fraudulent check was cashed at my branch unknowingly by me. The scam was revealed by my bank in which they demanded the money from the check returned. I immediately retuned the funds and my account was closed. 
I would like to open an account with them again if possible as it has been XXXX years but I am always turned down. Id like to know if B of A has banned me forever or can I rectify 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 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My mortgage was transferred to Select Portfolio Servicing ( SPS ) in late XXXX, XXXX after I made my 1st month payment ( due date XX/XX/2021 ) to the original mortgage company called XXXX XXXX XXXX ( XXXX ), since then, it has been a nightmare to deal with SPS, first, after the mortgage was transferred, nobody sent me the updated information for where to send the payment due XX/XX/2021, and I ended up having to send my 2nd payment to XXXX again. XXXX, after I paid my XX/XX/2021 due date mortgage, it looked like SPS suddenly woke up and found they didn't get my XX/XX/2021 due date payment, I called, emailed and told them again and again the payment was sent to XXXX, instead of checking with XXXX, SPS started to harass me with one letter after another ( total 17 letters sent to me, many with the same content ). 3rd, finally, after more than 60 days of investigation, they figured out, however, they still didn't get my escrow account correct by missing one month 's escrow payment, I emailed and mailed a letter to them to help correct the mistake, instead of getting it fixed asap, SPS sent me 4 more letters ( same content! ) saying the investigation will take another 30days!!! I was so frustrated and fed up with this company, I worked with so many mortgage companies before, and never ever in my life having met with a mortgage company like SPS with such messy, unprofessional and endless dragging practice, please help! Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: BANK OF THE WEST
State: NC

Complaint narrative:
On XX/XX/2021 BankOfTheWest reported a late payment for XXXX! This is has caused me financial harm. BankOfTheWest has failed to process my payment by incorrectly entering my bank account Information, which caused a payment to fail. I was transferred many times with no resolution, only false hope being told that I would get a response on XX/XX/XXXX and that has now passed Im demanding BankOfTheWest to removed asap! Or legal action will be taken! My account is current and up to date for 1-2 years and no late payments!

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 2022-01-11 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX Santander Consumer USA sent me a response letter through the CFPB stating my account was under a cease and desist. 

On XX/XX/XXXX I received two letters in the mail, one dated XX/XX/XXXX threatening repossession. 

Regardless of payments received monthly and never 30 days past due. 

The second letter dated XX/XX/XXXX stating they will not respond to my concerns moving forward. 

Both of these letters received on XX/XX/XXXX are in Violating of a cease and desist order officially placed XX/XX/XXXX. 

15 USC 1692 ( a ) ( e ) CONGRESSIONAL FINDINGS ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

A cease and desist order communicates to a person or company to stop engaging in illegal activities and if they do not comply by the order they will face penalties such as fines or jail time. 
Santander is in violation of a cease and desist order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX CBE Group Texted me at XXXX The Text did identify CBE group as a Debt Collector XX/XX/XXXX CBE Group Called me at XXXX. The person Calling Refused to answer the question " Are you a Debt Collector '' a Violation of FDCPA. CBE is Required by Federal Law to answer that question. The Caller also Refused to answer the question " What is the purpose of your call '' asked twice by myself I Do have the right to know Why they are calling & I Do have the right to know if or if not that they are a debt collector The CBE Group XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
I was sent bills for imaging while working out these bills with my insurance I received a final notice. I paid this bill immediately with the original biller. The next month a collections is posted to my credit for {$0.00}, with an " original balance '' of {$51.00} dollars. I was never contacted by Stallings Financial Group, I have never received a collections notice, and I have a receipt that I submitted showing it was paid before they claim the account was opened. All my credit reports except XXXX have removed it. This is pure spite because they probably already bought the debt before I paid it off with the original vendor and they lost money. I have immaculate credit. How do they get away with a " new '' {$0.00} balance account? This only would hurt a consumer who paid their bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Shellpoint Mortgages gave me Covid forbearance for a period of 18 months. All along there was the promise of options to resolve the situation, things like loan modification, deferment, etc. 

My wife XXXX  XXXX in the very early stages, XX/XX/XXXX, and ended up being a XXXX XXXX XXXX XXXX, XXXX for a very long time. Shellpoint continued to offer forbearance. 

It was even at XXXX point an automated call saying that all I need to to extent my forbearance was press XXXX on my phone keypad. I did so. 

At the end of XX/XX/XXXX Shellpoint said that I needed to make a payment on XX/XX/XXXX to restart my loan. I called on XX/XX/XXXX and the person I spoke with said I could not make a payment, that they were assessing my account. 

Then I was told that since my loan had been modified just before the forbearance started, I was not eligible for any of the available options. I asked why I was not told this at the time, and was told by the person I spoke with that this information only became available at the end of the forbearance. 

Basically, the forbearance was not available to me without the need to bring ALL payments current at the end of it. 

I was, in my opinion, completely misled as to what was available to me, and now find myself with {$40000.00} in arrears on my mortgage, with foreclosure looming. 

The CARES Act was supposed to protect from demands for all back payments to be made. Why is it not effectively protecting me now? 

I have young children, and we are in a lot of emotional pain right now. I can't lose their home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with Equifax stating that I owe XXXX. They then reported to XXXX and XXXX that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with XXXX stating that I owe XXXX. They then reported to Experian and XXXX that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from my 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
Consumer complaint received 2022-01-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting the following medical debts that have not been validated and updated with the company name or contract information. I don'tknow 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay. 
I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 
I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account NoXXXX Amount {$77.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
I called the loan officer at AAG-Reverse Lending. I had to under go a counseling service according to HUD to determine if I could afford the loan. After the session, I did qualify and I obtained my certificate. I have tons of equity in my home and Reverse Mortgage companies do not need credit reports. 
I spoke to XXXX last Friday and I told her that I would obtain a copy of my report and send to her via email. 
Well, they pulled my credit report without me ever having an APPLICATION or a Credit Release form signed. 
This has resulted in a hard PULL of my credit and if you call the number for the company, it rings busy? I don't know WHAT THEY WANT with my credit since I'd already qualified for the loan though a HUD counselor. The HUD counselor went over my finances. THEY ARE IN VIOLATION OF THE FAIR LENDING PRACTICES AND CREDIT REPORTING ACT. 
They cost me points and no hard pull was necessary with over {$800000.00} equity in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Macy 's Credit has decreased my credit limit twice within the last 30days. My limit was {$800.00}. Once I paid {$200.00} in XX/XX/XXXX, my limit was decreased to {$600.00} immediately after payment. Then when I paid another {$100.00} payment in XX/XX/XXXX ( all within 30 days ) my limit has been reduced to {$500.00}. I have paid {$300.00} within 30 days and Macy 's can justify a credit reduction. As a platinum card holder, I was Always greeted as a valued customer by the live representative and even the automatic system. This does not seem or feel like I am valued when my money is taken and my limit is reduced so abruptly. 
This is also causing an adverse impact on my credit. 
I am a platinum card holder. I pay my bill. The only time I needed assistance was XX/XX/XXXX when Covid 19 first hit but Macy 's offered a deferment and I completed that arrangement. Yes, I missed 1 payment prior to the {$200.00} payment due to Transition of employment. 
I have not been notified of any decreases in writing. I am only aware of the decreases because I make my payments via phone. 
I am requesting that my limit is restored back to {$800.00}. I am very disappointed in Macy 's credit with their new practices.

Credit Limit. " Your initial credit limit is on the card carrier. After that, your credit limit appears on your billing statement. The full amount of your credit limit is available to use where the card is honored. We may reduce or increase your credit limit at any time for any reason as permitted by law. We will notify you of any change, but the change may take effect before you receive the notice. You should always keep your total balance below the credit limit. However, if the total balance goes over your credit limit you still must pay us. If your account has a credit balance, we may reduce the credit balance by any new charges on your account. You may not maintain a credit balance in excess of your credit limit '' Macys credit card agreement.

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 2022-01-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation