vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In the peak of XXXX, while I was in the hospital, I had fallen behind on payments with Comenity bank. I made a payment to get caught up. What I was never told was that my card had already been cancelled. My card had expired and I called to order a new one, I was told my account was no longer active. 

I have also pointed out to them that they are reporting my account incorrectly, and therefore, should be removed per FCRA regulations. On the attachments, you will see that Comenity Bank actually removed all positive payment history except for the two months in the middle of COVID. You will also notice I went from no payment history, to 90 days late in XXXX XXXX, to 60 days late in XXXX. 

The removal of positive payment history and only showing negative payments are not helping. Also, you can not go from not late to 90 days late. Furthermore, the deception I received when paying the card caused my date of first delinquency to get reset. 

At one point, Comenity was also reporting negative payments, collections at the same time as XXXX, which is also a FCRA violation. 

Finally, XXXX XXXX, whom Comenity sold my debt to during COVID, I have a payment agreement in place with, and I will be done with that arrangement in XXXX ( Just a payment due this month and XXXX left ). 

With all of this information, I would request that Comenity remove this tradeline from reporting agencies due to the numerous factors listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: SC

Complaint narrative:
This company agreed to remove account from all credit reporting agencies if I would pay the account in full which I did. They are still report the status of the account as charge off. I had no knowledge of this account due to ex spouse and when I found out I called the company to pay IN FULL for the company to remove from all credit reports which they have not done and they still reporting negative information that is inaccurate. I have called this company numerous times and keep getting the run around. 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 2022-02-03 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: SC

Complaint narrative:
This company agreed to remove account from all credit reporting agencies if I would pay the account in full which I did. They are still report the status of the account as charge off. I had no knowledge of this account due to ex spouse and when I found out I called the company to pay IN FULL for the company to remove from all credit reports which they have not done and they still reporting negative information that is inaccurate. I have called this company numerous times and keep getting the run around. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: SC

Complaint narrative:
This company agreed to remove account from all credit reporting agencies if I would pay the account in full which I did. They are still report the status of the account as charge off. I had no knowledge of this account due to ex spouse and when I found out I called the company to pay IN FULL for the company to remove from all credit reports which they have not done and they still reporting negative information that is inaccurate. I have called this company numerous times and keep getting the run around. 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 2022-02-03 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: PA

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 TransUnion 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 TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX* US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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 2022-02-03 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: PA

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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My phone and wallet were stolen a few weeks ago in which Chase bank helped me with fraudulent transactions, getting a new card, etc. There are some transactions, though, that were done fraudulently from my XXXX on my stolen phone, that were NOT done by me. I realized this when getting email notifications. I went into my XXXX account and saw that money had been withdrawn up to the limit they allow ( over {$4000.00} ). There was about 200 dollars left in the account that couldn't be taken out which I instant transferred back to my account. I then proceeded to immediately remove my bank information from the app and complain to XXXX support about these transactions, in which they said I would have to go to Chase. I have gone to Chase and they haven't made progress on my case. They closed it without even informing me of the decision, I called them today, and the person who I spoke to didn't even tell me why they closed it and said he would be " re-opening the case. '' Even after speaking to him, I did not get a notification from Chase saying the case was re-opened. Also, when the case was initially opened, Chase only credited me half of the temporary funds from all the transactions. This whole process has been a nightmare with getting all of my stuff stolen, and Chase has made jumping through every hoop take a TON of time. Many times I either can't get anybody to speak to to help me or the person I'm speaking to can not help me or isn't qualified to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: PA

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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Farrell Holdings, LLC
State: AZ

Complaint narrative:
As the balance is lower and loan is close to be fully paid, bank is charging insurance charges. Bank informs it is in the contract, but does not present the evidence. I didn't find it. 

Request for : 1 Stop charging the insurance- it was not charged for almost 40 months and suddenly started 2 Send me the balance to fully pay off the loan. Without insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
We fell behind on our mortgage due to XXXX hitting my family. During this time neither myself nor my husband could work due to the illness and it's exposure. I called our mortgage company about receiving assistance through the Care Act. I was told by the agent that I was able to apply over the phone. So that's what we did. She took my information and said I was approved. Everything was explained to me about the assistance, how we could pay off, what we owe etc. I even have the agent 's name and ID number. So being told I could do this, I made the first {$500.00} payment on XX/XX/XXXX. Then a couple weeks later on XX/XX/XXXX, I called to make the second {$500.00} payment. Both payments were taken out of our bank account. So I'm thinking everything is fine with our repayment plan until I get a letter this other day stating that we have to pay {$2200.00} by XX/XX/XXXX or theyre going to start the foreclosure process. We've lived in this house for over 20 years. Also, they've not kept any records of my communications with them setting up this repayment plan yet I have one of the agents name and their agent number. They havent even wondered how I got that. Since theyre claiming to have no record of me communicating with them previously it looks like we were ignoring this situation when we weren't. Now because I was given misinformation on how to receive help, it could potentially lead to us losing our home. We didn't just up and decide to not pay the mortgage because we didn't feel like it. A potentially fatal virus made it's way into our home. This kept us out of work for a long time. That's why we fell so far behind. So when I called them for help I truly believed I received it. They happily took my {$1000.00} dollars, yet deny any communication in regards to helping me save my home. Now Ive been told we have to fill out this 26 page application to just start a process that I was specifically told had already begun. I now call them daily to verify that my communications with them the day before have been recorded. I don't trust them. The only thing I trust is I need to come up with over {$22000.00} dollars by XXXX XXXX  because that's on paper. I have 26 pages of information they want filled out immediately and faxed to them even though I'm in the middle of a state of emergency due to a snowstorm. The lady asked when I could do it. I don't know! When it's safe to leave the house! I feel decieved and scammed. We're looking into tapping into my husband 's retirement account while I fill out this 26 page application. When it comes to falling behind due to a potentially fatal virus we own that but when it comes to turning for help to a company we trusted who would but lied to us that's Rushmore 's responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: PA

Complaint narrative:
To whom it may concern, According to Selene Finance my loan transferred from XXXX  XXXX XXXX 10 years ago and today date ; this company has never sent me a Mortgage statement until today XX/XX/XXXX with the statement payment due is {$1800.00} due on XX/XX/XXXX,. I made this request at least 1 year ago requesting previous mortgage statements and was never sent to me after being told I must put my request in writing and allow them 30 days to respond. In addition, My real estate Taxes for XXXX are Delinquent. I am in the process of refinance a Mortgage with a cash through the XXXX XXXX XXXX XXXX and after bringing my loan current by making a double payment in the amount of {$900.00}. All of a sudden the current status of my payments changed and I was told XX/XX/XXXX that now I owed {$900.00} and as usual the day before I was not able to use their automated payment system on the phone system. I had to speak with a representative to pay my bill that was seldom allowable to me. A year ago I could not close on a refinance loan with XXXX XXXX because of them not having issued me any mortgage statement, I had to request a payment history from Selene finance which was provided to XXXX XXXX making my paying appear as if I only payed 6 months out of 2 years, which caused me to be denied approval for my refinance and cash out, to make home improvements, etc. Furthermore, they are trying to cause this loan to be denied as well. IT was less than 5 days ago, my payment due was {$530.00} for the month of XXXX until speaking with Selene 's Customer Service ( Loss Mitigation Department ) on XX/XX/XXXX, Now I was due to pay, now within two days I owe a payment due for XX/XX/XXXX {$1800.00}. I paid {$530.00} after the representative I spoke with said, " I can put the difference on the back end of my loan ''. XX/XX/XXXX. I have a tentative approval again with a XXXX score of XXXX now awaiting the paperwork from Selene Finance and now all of this confusion and no prior knowledge of this information!!! 
Please assist me in resolving this problem affecting my ability to leave this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraud Department : Remove fraudulent accounts 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 2022-02-03 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:
Attached to this complaint is a XXXX XXXX Police Report for proof that the following accounts and credit inquiries listed on my Equifax and XXXX credit report are fraudulent and is the result of identity theft : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX. All of the accounts and credit inquiries are fraudulent, unauthorized and not my accounts or credit inquiries. Please review the attached XXXX XXXX Police Report. Police Report XXXX XXXX : XXXX. Please keep the attached police report on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a notice from PayPal that a purchase from XXXX had been made from my PayPal account on XX/XX/XXXX, but I thought it was spam. Then I noticed a withdrawal of {$530.00} from my XXXX XXXX account. I reported and disputed this with my bank and they put a stop payment on the charges. Then on XX/XX/XXXX my bank declined the electronic funds transfer. Then the PayPal collections called me to collect this debt, however, it wasn't me in the first place. Then I filed an online dispute with PayPal claiming that this was fraud. However, they declined it. I then called XXXX asking if they could do anything and they directed me back to PayPal. However, I found out that there was someone using a fake email address, but my same shipping address as mine. I called PayPal disputing the debt, this time saying it was identity theft. They declined it again saying it matched with my past purchase history. I tried disputing it a third time saying that I never got the item because I got a notification saying that it had arrived at my address. The shipping company had given a tracking number and proof of delivery, so it got declined. I filed a dispute with the FTC. I then filled a police report on XX/XX/XXXX. I sent both to XXXX XXXX XXXX XXXX ( PayPal 's collections ) on XX/XX/XXXX. With the assistance of XXXX XXXX, I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to see the status of the my case, they declined it saying to call PayPal again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 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: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-03 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: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
In XXXX of 2019 I singed a employment contract with my ex employer, ( XXXX XXXX ) in which I upheld to the terms of the contract, but the contract was not forfilled by the company, and now they put it on my credit report. I am currently trying to sue this company for several reasons as a result of this unfair business practices, reguarding this unfair contract but I have yet to find a attorney to represent me. I have also tried disputing this from off my credit report with no success.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation