vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Seeing that the world was and still in a pandemic with Covid and me dealing with deaths due to XXXX  and being their for immediate family as well as grieving I honestly overlooked the bill. It is funny how they have assistance for those who are experiencing hardship due to Covid, but no compassion for those who inadvertently forget to pay a bill and never been late. I had this account for over 9 years and never missed a payment and when they finally got in contact with me I then pay the balance off in full apologizing for missing the payment. 

Not only did they report it after I asked not too due to the circumstances they also blocked my account for further use. I mean really and I missed 1 payment and turned around and paid the entire balance off. Bit to mention other store cards I have with Comenity have also been restricted and I am about to cancel and close all of the cards that had for years and once again never been late. 

To top it all of I put in a dispute early this month when I seen the reporting and it was removed, but once I requested to close the account they retaliated and put the negative remark back on. How does a company get way with that. They can remove it ( I have screen shots ) but when I choose to close the account they can go back in and place it back on. 

I need someone to step I. And look at the larger picture of a consumer who has several cards with this bank and never Been late for a number of years, we are not speaking of 1-3 years. 

Please step in to help rectify this issue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: AR

Complaint narrative:
Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}

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 2021-09-02 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: AR

Complaint narrative:
Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: AR

Complaint narrative:
Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}

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 non-monetary relief
Consumer complaint received 2021-09-02 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: IL

Complaint narrative:
I sent my documentation to Equifax asking to verify the accounts reporting negative on my credit report. They keep telling me that the information is verified but they have NOT provided PROOF by way of documentation and/or my signature on contract to show that this is actually my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cawley & Bergmann, LLP
State: ND

Complaint narrative:
I received a debt collection call from Cawley and Bergmann out of New Jersey at approximately XXXX XXXX  on XX/XX/21. My complaint has to do with this company volunteering my information to the person answering the call. In a world of identity theft starting the call with " is this *insert name here* at *residential address* '' is improper and unacceptable. My personal information should be safeguarded from the moment I apply for the account throughout the life of the account. Any verification of information should be provided by me and checked against their records. Not provided by them to whomever picks up the phone. Plus any person can simply say yes and then obtain the follow up information about the debt which is also supposed to be confidential. There is no real verification of identity here and this would fail any compliance style audit at the call center I work for. They should be held to the same requirements for safeguarding data as the banks that initiate the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: PA

Complaint narrative:
Equifax reported a XXXX XXXX account, XXXX account and a XXXX XXXX account ( sold to XXXX XXXX XXXX ). Equifax did not have my written consent to do so and violated federal law pursuant 15 U.S.C 1681B ( 2 ). They also shared or sold my personal information to XXXXXXXX XXXX XXXX without my written consent, which under the CFPB is identity theft and a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: PNC Bank N.A.
State: SC

Complaint narrative:
After being subjected to a 3 and a half month PNC PEL loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing PNC PEL so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to XXXX  after I disputed to XXXX  that I still owe PNC and that I have not paid them in full. and reporting that I still owe XXXX. I supplied TransUnion with a XXXX statement and they chose to ignore the amounts paid to PNC mortgage to pay them off and still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
First a text message from TD bank was sent to me that someone was trying to make a purchase in Ohio with my debit card. I answered NO as of no it wasnt me. Thats exactly how TD bank works. Next text message said the representative will call me. A fake Td representative called and said someone was trying to change my username so I need to confirm the original one and my social security. Soon after I provided all the information they said we need to confirm my phone number and IP address. So they sent me messages which i was supposed to confirm. All those messages withdrew {$200.00} from my account. So there were like 8 messages i confirmed. After I hang up {$2000.00} was missing from my savings. They transferred {$2000.00} from savings to debit and used XXXX to withdraw. I became a victim of a fraud and I want my {$2000.00} back. TD bank files filed a dispute and later said they wont give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Your illegal activities are a violation of UCC law, FDIC policy, and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: VA

Complaint narrative:
I received a letter from SIMM associates about a XXXX account I had back in 2016. I just turned XXXX XX/XX/XXXX of this year and there is no way I had an account with them when i was XXXX XXXX XXXX. I also asked them to provide the last 4 digits of the individual social security number and they were not able to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
someone from chase CFPB complaint resolutions department called me and imediately started Lying to me by tell me it's against federal law for her to call me at the number i listed in the CFPB complaint. she states that federal prohibits her from calling me on the number listed in my complaint. she also stated that they will resolve this complaint without actually talking to me. Perhaps you could start an investigation into why they won't call me on the number listed on my complaint. Perhaps you can explain to them that people change phone numbers and that i do not wish to be called on my work number for a complaint on my personal account with chase. Also how are they going to resolve a complaint without actually speaking to me. Guess I'll have to close my savings account with XXXX in it and switch to a different bank that knows how to read and follow simple directions. also please inform them that i do not wish to have my checking account updated to an account that has a {$12.00} a month fee and am in fact complaining about a {$6.00} fee they added to my no fee checking account and the fact that they lied about the amount of interest they would pay if i me if i had a checking account and opened a savings account with more then XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02 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: NJ

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as some inaccurate information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for a loan modification and the bank is trying to foreclosure please help they want to foreclose on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Seeing that the world was and still in a pandemic with Covid and me dealing with deaths due to XXXX and being their for immediate family as well as grieving I honestly overlooked the bill. It is funny how they have assistance for those who are experiencing hardship due to XXXX, but no compassion for those who inadvertently forget to pay a bill and never been late. I had this account for over 9 years and never missed a payment and when they finally got in contact with me I then pay the balance off in full apologizing for missing the payment. 

Not only did they report it after I asked not too due to the circumstances they also blocked my account for further use. I mean really and I missed 1 payment and turned around and paid the entire balance off. Bit to mention other store cards I have with XXXX  have also been restricted and I am about to cancel and close all of the cards that had for years and once again never been late. 

To top it all of I put in a dispute early this month when I seen the reporting and it was removed, but once I requested to close the account they retaliated and put the negative remark back on. How does a company get way with that. They can remove it ( I have screen shots ) but when I choose to close the account they can go back in and place it back on. 

I need someone to step I. And look at the larger picture of a consumer who has several cards with this bank and never Been late for a number of years, we are not speaking of 1-3 years. 

Please step in to help rectify this issue. 

Thank you

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 2021-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

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 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that SOUTHWEST CREDIT SYSTEMS would verify the debt. So I took it upon myself to ask SOUTHWEST CREDIT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CA

Complaint narrative:
On XX/XX/2021 I sent a regarding inaccurate and unknown things on my credit report to this day over 60 days ago I have not yet received a response 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 with in 30 days gives a reason to immediately removed from my credit report it has been over 60 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 all so impacted by the Equifax data breach and may have gotten in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: MA

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 30 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 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2021, I sent a method of verification letter to XXXX, XXXX and TransUnion regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2021, I sent a method of verification letter to XXXX, Experian and XXXX regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation