vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: VW Credit
State: CA

Complaint narrative:
I have contacted Volkswagen Credit Multiple times via phone and written correspondence. VW Credit has failed to acknowledge my dispute and failed to forward a response to my dispute. However when I dispute the account directly with the credit bureaus VW Credit seems to always respond within the 30 day window to keep the negative information on my credit report. 

at this time I would like VW Credit to respond to tell me why this information must remain or remove all the negative information as i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: AZ

Complaint narrative:
I spoke with XXXX at Equifax on XX/XX/2021 about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX XXXX XXXX I did not authorize any of this inquiry. I am requesting that all above unauthorized inquiries be removed immediately from my Equifax credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX is pathetic to say the least. Ive had a BANK OF AMERICA closed account report inaccuracies all across the board. One of the main issues is they are consistently changing the first date of delinquency and last date of delinquency. Every time I dispute, Bank of America changes those dates to their liking. Causing this account to stay on my report longer. This account should have been removed last year in XX/XX/XXXX XXXX and XXXX took notice to this unethical behavior and have now deleted this account. XXXX  is the only bureau that wont do their job ethically.

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have had problems with this company in previous and your agency helped me out. Thank you. I have another issue wherein they are deliberately reporting negative late payments from XX/XX/XXXX when I placed them on notice of my XXXX status in XX/XX/XXXX and they refused to assist me as a XXXX XXXX XXXX and attempted to accelerate foreclosure so I would have no place to live upon returning ftom a very dangerous XXXX tour. It is now 3 years later and the late payments from XXXX-XX/XX/XXXX still show on my credit report wherein I qualified for XXXX at the time. I am in the process to try to get my finances in order and this account is the Only account showing Derogatory and my attorney has written letters to the credit bureaus and even XXXX and it appears my request are falling on deaf ears. Please help me remove VERY old late payment DATA from this company as it appears it is being done with ill intent yo prevent me ftom refinancing my home loan to another company with favorable rates and from obtaining favorable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: FL

Complaint narrative:
I sent one of my first letters to the three credit bureaus to dispute the accuracy of student loans from the Department of Education ; with the account numbers XXXX on or about XX/XX/XXXX. Among the inaccuracies I listed was that the Department of Education, and DEPTEDXXXX duplicated similar derogatory information for the same student loans. It is negligent for TransUnion to allow Department of Education and DEPTEDXXXX  to Morph or duplicate negative credit information for the sole purpose of injury. After 73 days of inaction, it is clear TransUnion doesnt want an amicable resolution. 
Another inaccuracy with the Department of Education account on my credit report is the date a single account was opened. Transunion is : XX/XX/XXXX and XXXX is : XX/XX/XXXX 5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer I have attached my account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see that my student loan is in Forbearance. 
A fair resolution is for TransUnion and XXXX to immediately delete the four Department of Education accounts listed on my credit report for not complying with FCRA.

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 2021-04-06 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: IL

Complaint narrative:
On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
****This will probably be your MOST MAJOR case out of all your investigations and this should be elevated to the highest levels at CFPB. 

The synopsis is this : The credit reporting agencies are committing a fraud on the public AND must be investigated by CFPB and this issue must be disclosed to Congress. The credit reporting agencies are selling credit products to the public and providing FALSE credit scores paid for by consumers, yet, at the same time, these same credit reporting agencies are providing a completely different product to lending institutions which list completely different credit scores. So, bottom line, the credit reporting agencies are providing two sets of credit scores - one for the public and one for business. There should ONLY BE ONE uniform credit score. The question becomes, which credit scores are real and which are fake? Can the credit bureaus sell fake information and pass it off as real?

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
****This will probably be your MOST MAJOR case out of all your investigations and this should be elevated to the highest levels at CFPB.

The synopsis is this : The credit reporting agencies are committing a fraud on the public AND must be investigated by CFPB and this issue must be disclosed to Congress. The credit reporting agencies are selling credit products to the public and providing FALSE credit scores paid for by consumers, yet, at the same time, these same credit reporting agencies are providing a completely different product to lending institutions which list completely different credit scores. So, bottom line, the credit reporting agencies are providing two sets of credit scores - one for the public and one for business. There should ONLY BE ONE uniform credit score. The question becomes, which credit scores are real and which are fake? Can the credit bureaus sell fake information and pass it off as real?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
I opened my accounts at the end of XX/XX/2020 with the local branch mamager and becuase I am XXXX anc cannor use online banking, I was told that the paper statement fee would be waived. I have a serveral witnesses that are willing to attest to this fact. Over the past few months, my account has been charged those statment fees, and the manager refuses to address the problem. Customer service also refuses to waive the fee as promised and reuses to put the stolen mpney back into 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 monetary relief
Consumer complaint received 2021-04-06 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I believe the email I got is a phishing scam. I don't use a Chase card. 

From : J.P. Morgan Online XXXX Sent : Sunday, XX/XX/2021 XXXX XXXX To : Subject : Re : Summary statement alert code - XXXX Chase Logo Dear Chase member, We recently detected unusual activity on your JPMorgan chase online banking account. 
Unfortunately, we had to suspend your online banking to ensure the safety of your account. 
This suspension is temporary. We will need some additional information to verify your identity. 
Please visit chase.com/update or visit the verification form to complete your identity verification and regain online access. 

chase.com/update Sincerely, Customer Service. 
Chase Logo 2021 JPMorgan Chase & Co .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
In XXXX, an adverse account entry began appearing on my credit reports regarding an unrecognized {$57.00} medical debt from XXXX. I never received any notice or information regarding this charge, what service it relates to or where it originated from. I have always maintained health insurance which covers most of my medical expenses and pay my co-pays, deductibles and other charges that are my responsibility at point of service. I have attempted multiple times to dispute the entry and obtain further information. The item has been removed and sold to a new debt collector who then reports it. Currently, the credit information furnisher/debt collector is PARAMOUNT RECOVERY SYSTEMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021 TD Bank called my cell phone at XXXX XXXX and stated I had fraudulent charges on my debit card. He stated he was going to cancel my card and reimburse the charges. He proceeded to go over fraudulent charges, keeping me on the phone to ask if they were made by me and I stated no to all of them. The next morning I called TD Bank after I couldnt get into my checking account and had to reset my password and started to thoroughly check my account to find {$3400.00} stolen from my account. I immediately panicked and called TD Bank, I proceeded to have my online account shut/closed down and put in a dispute for the fraud charges. They did an investigation and have denied my claim 3 times stating I approved it through my cell phone, which is absolutely not true. Even with a police report they insist it was approved by me. My XXXX was completely going haywire and I had to go to XXXX to purchase another phone, which leads me to believe the imposter placed some malware/virus sim port scam on my cell phone to be able to approve these cell transactions from my phone number. I have been on the TD XXXX XXXX XXXX Complaint on-line and have seen various complaints stating the same fraudulent activities happening to others with denials from TD Bank. My son recently passed from XXXX XXXX having many bills due to his illness, lost my second job due to XXXX  XXXX and to add insult to injury this criminal fraudulently stole my money. This ordeal has caused me a great deal of anxiety and emotional distress after not even a year of losing my son. Would you please be able to assist me in any way to recuperate my money that was stolen from my checking account through XXXX by this TD Bank Imposter? 
I thank you in advance for your assistance in this matter. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've written to Experian twice regarding inaccurate information. They're reporting ( 2 ) different social security numbers, addresses that I've never lived at. Not once has Experian reached out to me to rectify this situation.

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 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I paid off my loan XX/XX/2021. Sun Trust internal processes allow for 30 days to process loan payoff and lien release. It has been 48 days and they still have not processed the payoff or the lien release. I have received NOTHING from Sun Trust/Truist other than a refund of my escrow account. I have made 3 calls and they have no answers as to when the payoff and lien release will be processed. This is not an isolated incident as I have had numerous problems over the years with the way Sun Trust serviced my loan. Some companies should not be allowed to be in the Mortgage business and this is one of them.

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My loan was transferred over Ive been a dispute with them shellpoint Mortgage loan number XXXX the month for XX/XX/XXXX My previous mortgage company XXXX Reported I did not pay XX/XX/XXXX I have sent documentation over to them several times now it is reporting on my credit report That I havent made a payment since XXXX XXXX and XXXX and XXXX this incorrect reporting it has dropped my score 127 point I am send documentation of payment history I was getting ready to purchase a home loan ATTACHMENTS XXXX ( 1.4 MB ) I have never respond to this complaint New complaint XX/XX/XXXX Shellpoint reported on my credit report that I was late reference back to complaint XXXX XXXX drop my points 127 in the process of me purchasing a home due Shellpoint I lost money {$40000.00} I was purchasing house on XX/XX/XXXX I was not able to purchase because my score had Dropped Also Shellpoint attempt to fix my credit over 3 time ask of today XX/XX/XXXX they have not fixed it what they did do is remove them self from my credit report of 30 years of history Show that I never had a lone and pay the property at XXXX XXXX XXXX XXXX XXXX TN XXXX off. Shellpoit Shellpoit bought this paper from XXXX That went into bankruptcy XXXX sent me a letter stating. That this loan should never have came over to them I am requesting {$40000.00} for the property that was lose due Shellpoint Repo incorrect on my report results and dropping my score. Then they removed his self all together for my report refused to give me the credit due to me for the years I have paid the mortgage never respond to any of my requests I am requesting that they replace Shellpoint back on my credit report show paid in full Of 30 years Paid as agreed And to be reimbursed {$40000.00} contract attached XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
So I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. When I call again they told me i need to get a FTC report. This is affecting me from getting my place for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by myself. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CT

Complaint narrative:
I opened a mortgage with Primary residential mortgage in XX/XX/XXXX. I made my 1st payment in XX/XX/XXXX on the primary residential mortgage website. Little did I know they had turned the servicing of the mortgage over to a company called XXXX XXXX. When I attempted to make my XXXX payment that is when I was informed they are turned over servicing to the other company. XXXX XXXX is showing I never made my XXXX payment so every time I make a payment they apply it to the month before and I have to pay a little early to avoid it showing 30 days late while they are researching what happened to my payment. Which for months they have not been able to resolve even though I have provided proof of the payment to them. Now my credit score just dropped XXXX points and when I look to see why it is because Primary residential mortgage shows on my credit report as an open mortgage and so does XXXX XXXX so it appears I have 2 open accounts I do not. Also now Primary mortgage shows that my XXXX payment was 30-60 days late on my credit report but the XXXX payment was made to XXXXXXXX XXXX. When you attempt to call XXXX XXXX you are routed through 35 minutes to be exact of automated system after automated system just to be put on hold waiting to speak to someone for another 30 minutes. They told me the 1st few times that the payment would be sent over to them and it will clear up on its own. The last time I called they told me I would have to call primary residential mortgage myself to find out what happened to my XXXX payment??? Which I did and they filed a ticket to track it and in the mean time they now show a late payment for XXXX which was paid to the XXXX XXXX XXXX. I need help with this mess. this company is a mess and it should not be my issue as the consumer to track down a payment I made and they screwed up. Falsely reporting a late payment for XXXX which is separate from the missing payment and showing 2 loans on my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation