vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-07 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: FL

Complaint narrative:
IVE ATTACHED XXXX PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY XXXX. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO XXXX. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. XXXX UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! XXXX CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE XXXX REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED XXXX OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY XXXX AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENT XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH XXXX, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " ZERO '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING MENTAL HEALTH, AND 11 GOOD YRS BANKING WITH XXXX. WOULD HAVE NEVER IMAGINE XXXX WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Car was in accident many months ago and insurance paid of loan except gap which the company would not agnolige the payment from gap for a couple months telling me I had to still pay car payments and then kept reporting my late and still havent taken it off my credit. It was paid off along time ago and I shouldnt of had late payments or even still had it on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Car was in accident many months ago and insurance paid of loan except gap which the company would not agnolige the payment from gap for a couple months telling me I had to still pay car payments and then kept reporting my late and still havent taken it off my credit. It was paid off along time ago and I shouldnt of had late payments or even still had it on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$75.00} - did not receive the statement XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$100.00} - did not receive the statement XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$130.00} - did not receive the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I applied for CareCredit Credit Card and was denied the credit card. I was expecting to receive the reason for the denial and was informed that i was denied for " High risk source of application ''. This is the first time seeing this as a denial so I called Synchrony Bank and just with any situation could not provide me any information to the reason of denial. I have a few credit cards that are through Synchrony Bank. Its not that I havent been denied credit before its just that the explanation that I have always been given has always been clear. It was something that I could interpret by looking over my credit profile. This message of " High risk source of application '' provides no information to guide the consumer to what on my credit profile that was flagged. Two days after being I applied for a home loan and was approved with no issues whatsoever. This made me wonder if Synchrony Bank was pulling the incorrect information from my credit profile. As a consumer if I apply for credit providing these companies with my personal information they should have to be be able to provide unequivocal explanation of the reason why you were denied. I am not expecting them to say, the specific information on my credit profile but what part of my credit profile flagged this. Since I monitor my credit profile fairly close i know if new information is added. I know nothing has changed. I feel confused. Look on the internet and there is no specific explanation to this message they provided me. This doesnt in any way seem like a reasonable expectation.

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 2020-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, Reaching out today in regards to a previous Auto Loan that i had with Wells Fargo Dealer Services that has been completely paid off more than 5 months ago ( XX/XX/XXXX ). 

On XX/XX/2020 i traded in my car into the XXXX XXXX and when doing that the dealership paid off the complete balance owed to Wells Fargo Dealer Services which was more than {$13000.00} in order to remove the Electronic Lien placed on the car. Days later the new credit account for the new car that i purchased through XXXX XXXX showed up on my credit report as it should but the Wells Fargo Dealer Services had yet to come off, and its been almost 6 months already. 

Around Mid - XXXX i contacted Wells Fargo Dealer Services directly and spoke to their rep who assured me that everything was Okay and that the account would be removed from the credit report within 90-120 days as their company only reports monthly. Sadly, the 90-120 days came and went and still to this day my credit report is reporting an additional $ XXXX of debt on my report that frankly doesnt even exist. Because of the fact that this hasnt been removed yet its actually hurting my score every single month more and more and at this point dont even know what to do to get this taken care of. 

Iv traded in multiple cars before in my lifetime and have never had an issue like this. The credit account of the traded car has always been removed within a month or two. 

In this case we are going on almost 6 months, AFTER they been completely paid and balance is at {$0.00}. 

Would appreciate help with this matter as Wells Fargo Dealer Services isnt doing what needs to get done. To recap, they got all of theyre money paid to them 5-6 months ago, but still to this day report my credit monthly that my account is still open and with balance. 

Thank you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I made XXXX scheduled ) a payment from my Firstbank checking account amounting {$27.00} for paying my XXXX credit card. Firstbank reversed the payment although there was enough balance on the checking account to proceed with payment. XXXX is now charging me {$25.00} as payment returned fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I took out a personal loan in XXXX with One Main Financial and agreed to a {$10000.00} loan at 30 % interest. I had made payments on-time as agreed. This year due to COVID-19, I was furloughed in my role at my job and had my monthly compensation cut by over 40 %. I reached out to One Main Financial to try to modify the loan and have the interest rate cut to reduce my monthly payment amount as I have been struggling to get by this year. I did reach out to all my other creditors and they worked with me to reduce interest rates down to 6 % to 8 % in many cases. 

One Main Financial would not adjust my interest rate at all. Instead they offered to reduce my payment in half for 2 months with no reduction in interest rate that only offered very little short term benefit. They also wouldn't perform any modification as I had to provide my tax return to prove the reduction in income in XXXX as I am self employed. The problem is that I do not file my XXXX taxes until XX/XX/XXXX as I am self employed but I needed help now and One Main Financial would not offer any assistance to me. I have been a customer of One Main Financial for many years and I would have liked to have seen them work with their customers in a larger way in a significant time of need in a pandemic. 

It took me a while but I was able to borrow money from my family to pay off this loan now since One Main Financial is not interested in working with customers in distress and would rather take advantage of customers struggling by not working out a loan modification as the rest of the industry did to help customers in need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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:
Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1970 Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

DPT EDXXXX {$1500.00} DPT EDXXXX {$3200.00} XXXX  XXXX {$960.00} XXXX {$640.00} XXXX  {$960.00} XXXX  {$800.00} XXXX/XXXX  {$370.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) {$960.00} XXXX XXXX  {$1500.00} XXXX  {$370.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) {$640.00} XXXX XXXX XXXX {$51.00} XXXX XXXX {$140.00} XXXX XXXX {$660.00} XXXX XXXX {$110.00} XXXX  XXXX  {$800.00} XXXX XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
This stems from a medical bill for services never rendered. I have already beaten this repeatedly In the past years from other debt collectors. Consumer adjustment has flagged XXXX  three different times in the past two weeks with exactly the same fraudulent bill. They are bullying and harassing me for {$1900.00} and they have put it on my credit report three times for the exact same amount from the exact same bill.This is an absolute fraudulent bill thats why I have literally beaten it at least five different times from five different collection companies in the last four years. Consumer adjustment has flagged XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX.They have also flagged XXXX  with the same fraudulent collection on XX/XX/2020. They are repeatedly hitting up my credit report to try to bully me into paying them money that is not owed.I do not owe this money, I will not pay this money no matter how many times they try to destroy my credit. This is absolute harassment and bullying on a collection I absolutely do not owe. These are horrible tactics to try to ruin someones credit on money that was never owed.I am baffled how these horrible companies can put whatever they want on your credit report with absolutely no proof that you owe any monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: Avantus, LLC
State: MD

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am trying to stop my mortgage from being accelerated to a foreclosure status as I have just learned about this XXXX XXXX. My mortgage payment have been paid every month on an automatic debit transaction by the Bank - never missing a payment. I have proof of such payments.being made. These payments have been made to Greentree Mortgage .I have never been notified of any change in mortgage companies. No notices of any kind letting me know that a change had been made & who my new mortgage servicer is. Nothing has been sent to my home address or this name would have been changed immediately. The house in question is a rental home and been such for quite a few years. My bank has verified that Greentree has been accepting and cashing my mortgage payments. I have been unable to contact Greentree to get my questions answered. On XX/XX/XXXX I checked the mailbox at the rental house and found a delinquent notice from Shellpoint addresed to me. I called Shellpoint to find out what this was all about and who they were only to learn that they were now the new mortgage co. that my monthly payments should have been going to. I explained the situation to Shellpoint that this is a huge mistake and was told that a case manager would look into this and get back to me XXXX XXXX There are no missed payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: Credit Plus Inc
State: MD

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: NY

Complaint narrative:
The wrong balance on my account in which i have disputed several times. 
I have mai them proof of payment receipts. 
XXXX Also i have sent the proof of address many times and ask them to place the correct address on my report. 
I have mailed in letters XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX?, please take care of 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 2020-11-07 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent 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 non-monetary relief
Consumer complaint received 2020-11-07 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: SC

Complaint narrative:
Equifax is reporting collection accounts on my credit report, however their is no original or current creditor listed. I have sent letters to Equifax on XX/XX/200 and XX/XX/20 asking to update my credit report with this information or send to me so I would know whom I need to contact for debt validation. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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:
Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1970 Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

DPT EDXXXX {$1500.00} DPT EDXXXX {$3200.00} XXXX  XXXX {$960.00} XXXX  {$640.00} XXXX  {$960.00} XXXX  {$800.00} XXXX/XXXX  {$370.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) {$960.00} XXXX XXXX  {$1500.00} XXXX  {$370.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) {$640.00} XXXX  XXXX  XXXX {$51.00} XXXX XXXX {$140.00} XXXX XXXX {$660.00} XXXX XXXX {$110.00} XXXX  XXXX  {$800.00} XXXX  XXXX  {$1700.00}

Company response to consumer: Closed with explanation