vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian refuses to do a proper investigation on records that they have incorrect on my credit file. I have reached out to the courts and the courts stated they don't report to any credit bureaus or any 3rd party agencies. The information that Experian is reporting and refusing to remove or investigate is incorrect, and Experian refuses to send me any documents of their investigation.

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 2021-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA

Complaint narrative:
When trying to purchase a home through XXXX XXXX of XXXX XXXX, I was denied a home loan in XX/XX/2021 because I am a XXXX XXXX and I did not work for 6 months in 2021. XXXX recommended another lender. I spoke to XXXX XXXX of Southeast Mortgage in XXXX and explained my situation. XXXX was fully aware of my situation being a XXXX XXXX and not working for some time during the pandemic. The closing was pushed back to XX/XX/XXXX. I was denied for the same reasons made known up front. Why didnt they give me an answer sooner? I spent money on the deposit, appraisals, inspections and they made me put the UTILITIES in my name. I ended up losing my XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
This company lies, uses deceitful tactics and has poor customer service. They have overcharged my account for XXXX and XX/XX/2021 using the excuse that I did not have insurance for the house. I sent proof of insurance and they promised to refund the money. They promise that someone would call. No one ever did and I was forced to cancelled the automatic withdraws to avoid Fay from taking extra money from my account ( therefore causing NSF transactions. ) Now they are threatening with default and acceleration of my loan when in fact, they are the ones that provide zero information ( their web page is not working ) and customer service transfers the calls and disconnects. Now they have reported me to the credit bureaus causing my perfect score to drop 100 points. This company has to correct their wrong actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello on XXXX XX/XX/21 I had a closing balance of XXXX A payment was made of {$150.00} late. I emailed Lane Bryant community on XX/XX/21 requesting all late fees be removed as a one time courtesy. And email response was received on XX/XX/21 from a Sincerely, XXXX LateFeesWaiver internet customer care that all fees would be removed as a one time courtesy. However I received a statement for XX/XX/21 stating I now have a balance of {$32.00} regarding a late fee and finance charges of {$2.00} finance charges. 
A call was maid XX/XX/21 Per XXXX the supervisor I only qualified for one late fee reversal in a calendar year. And would not be adjusting the charges. 
I was charged a late fee in XXXX erroneously. The account balance was paid in full XX/XX/21. 
Please help resolve this fraudulent matter. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account numbers -- XXXX /XXXX XXXX Account number XXXX XXXX XXXX-Account number XXXX. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
XX/XX/2021 Enhanced Recovery opened and added a derogatory mark on my credit in the amount of {$3100.00}. The account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as well there was no written form of communication, contract, or signature for this accused debt at all. According to the FCRA, Enhanced Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Mercedes Benz Financial Services
State: IL

Complaint narrative:
I have no knowledge of any of the accounts in my report. I have never had an account with any creditors reporting on my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I have no knowledge of any of the accounts in my report. I have never had an account with any creditors reporting on my report..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I would like to file a complaint against synchrony bank. My Synchrony bank credit card was initially {$1200.00}. I paid it down to {$900.00} dollars. In XX/XX/XXXX. I lost my job due to COVID-19. I continued pay synchrony bank using my savings account. My minimum amount due was {$20.00}. In XX/XX/XXXX my payment was late. I contacted synchrony bank and advised them that I lost my job due to Covid-19. I requested that the late fee be removed and was told it had to be sent to a supervisor. In XX/XX/XXXX, I depleted my savings account and was unable to make a payment to synchrony bank. In XX/XX/XXXX, I made my regular {$20.00} payment. I was told that I did not make the full payment, and now I owed an additional {$60.00} plus late fees. I requested to speak to a supervisor. I explained again to the supervisor that I called in and reported that I lost my job and I want it all late fees removed. The supervisor told me that they only offered a courtesy for the removal of one late fee and that I still owe old late fees for XX/XX/XXXX. She advised late fees would continue to increase by levels if not paid. On XX/XX/XXXX I called to settle my account with synchrony bank. One rep said I owed {$340.00} in late fees starting from XX/XX/XXXX. Another rep said that I owed {$340.00} in interest payments. I explain to her that the account is interest free until XXXX. I spoke with XXXX XXXX employee ID number XXXX. She explained that I should have been offered at least a three month forbearance. I questioned why I was not offered the forbearance after notifying two representatives and one supervisor that I lost my job. XXXX was able to locate calls where I notified reps that I lost my job due to Covid-19. XXXX stated she did not know why forbearance was not offered. She advised me that my account balance is {$1200.00}. This amount includes {$900.00} balance plus late fees dated back to XX/XX/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 monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
My existing mortgage with Amerisave was refinanced. The closing occurred on XX/XX/2021. Prior to closing I requested Amerisave provide the total amount owned back to me through my escrow account, overpayments, etc. ; the date I would receive the funds ; and the method of the transaction. Amerisave 's VP Customer Services ' response was he had no access to this information and to reach out to their 3rd party XXXX XXXX provider, XXXX. XXXX 's response was they could not provide the amount, said XXXX weeks to receive the funds, and the funds would be sent by snail mail. Followed up with the VP and recently XXXX of Customer Services at Amerisave and requested the amount owed, expediting the timeframe to one week, and overnight delivery. Since XX/XX/XXXX, I have given up on expediting and simply asked Amerisave provide three things : The amount owed to me A date for receipt of funds to be received The Method of delivery It's XX/XX/XXXX and Amerisave has failed to provide answers to these questions. Their consistent response is they are working to get an answer from XXXX. 
Failure to provide this information is unacceptable and while some financial institutions made and continue to make concessions to accommodate the financial strains for their clients during the pandemic, Amerisave has gone out of their way to be evasive on the most basis level of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$6000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$2600.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$180.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$370.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$130.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX  ( XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$980.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$230.00} Reason : Account is fraudulent Account Name : ORIGINAL CREDITOR Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-06-10 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$6000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$2600.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$180.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$370.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$130.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$980.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account Number : XXXX AMOUNT : {$230.00} Reason : Account is fraudulent Account Name : ORIGINAL CREDITOR Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
There is a collections account that originated from XXXX XXXX XXXX  The account was closed and sent for collections at the end of XXXX. The debt has been sold to a different debt collection agency by the name of I C System XXXX. XXXX XXXX XXXX XXXX, MN XXXX. They have started the collections date over as of XX/XX/XXXX for the amount of {$300.00}. I am under the impression that debt collectors can not restart the time clock on debts in collection and I would like this illegal action to be reviewed and taken care of.

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 2021-06-10 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 have successfully dispute and had removed from XXXX  and XXXX  tradelines from this account. This needs to be deleted from Transunion as well.

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 2021-06-10 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: Thaxton Investment Corporation
State: NY

Complaint narrative:
Since XX/XX/2021, I sent three letters to Quick Credit demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: NY

Complaint narrative:
On XXXX, XXXX, 2021, I sent Comenity Bank a letter, requesting my late payments be deleted. It has been more than 30 days and i have yet to receive a letter from Comenity, notifying me on the status of my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. 

I have since paid my amount in full and would like my late payment removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account numbers -- XXXX /XXXX XXXX Account number XXXX XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. 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 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery sent me a letter by mail stating that I owed this alleged debt violating 15 usc 1692b ( 2 ) & 15 usc 1692c ( a ). Sent a cease and desist also Failed to validate the debt under 15 usc 1692g. Sent me photo copied contracts that I never seen before violating 15 usc 1692e.

Continues to report this alleged debt on my credit report harming my reputation violating 15 usc 1692d ( 1 )

Company response to consumer: Closed with explanation