vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX sent disputes via Equifax on the dates of XX/XX/2022, XX/XX/2022, XX/XX/2022 along with the ftc report and along with ID, Ssc, to remove fraudulent accounts and inquiries that are on my credit report due to ID theft Equifax didnt any investigation closed the investigation with any explanation or documentation of proof of proper validation with my signature, I am victim of Identity theft and Equifax isnt honoring non of documentation even tho it is valid documents I am asking that the cfpb investigates this because this has been a on going issue that I have with Equifax several times I have sent proper documentation and they dont remove or do anything at all I have filed several complaints with cfpb in regards to this issue and nothing is being done about it, prime example I dispute information send proper documentation the investigation is closed the same day it is opened or a few days after it is open I would like for something to be done about this or I will be forced to take proper legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Not sure if this is the right department. I received a call this XXXX @ XXXX from XXXX their company is offering a Government loan modification program. They stated I would have to make 3 trail payments in order for the modification to go into effect. When I kept asking what the terms were they just stated I would receive them after I made my first two trial payments. I let the gentleman know I would not agree to anything without knowing the terms. He kept insisting I would receive them after making two trial payments. I thought was weird because at first he said 3 payments. I eventually stressed to him that I would not agree to anything without knowing the terms he said they would be texted to me and hung up. I never received anything. I called Shellpoint directly and the customer service lady stated there was no notation that anyone had called me this morning. I asked where I could report and she stated I had to do my own research to report. I thought this was odd or she was just being rude. I went online and it stated to call XXXX to report spam or fraud. I called and expressed to the customer service representative I just need to know where to file a complaint about a spam call. She gave me an email of loan XXXX and stated they would forward to the correct department. The gentleman who stated his name was XXXX XXXX, called me from your number XXXX. I wanted to make you all aware as this is possibly happening to other people. Not sure if it is Shell calling or spam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: PR

Complaint narrative:
Since 2016 I've been trying to validate with Experian the Public record XXXX XXXX th posted in my credit report. Ive made several complaints through this portal, also I sent several certificate letters but as of today they havent sent me the evidence that accounts belong to me. Experian obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX. They sent my consumer disclosure report which shows clearly that I dont have any bankruptcy in my records. Also, I contact U.S Court Puerto Rico and sent me a letter expressing that any local or federal court does not report or give any kind of information to the Credit Bureau or anyone else. However, theyre still reporting it. The law says that if the validity can not be verified, then, Experian is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that they contacted, address method of verification and still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Experian is acting discriminatory against me, although Im an American citizen that lives in Puerto Rico instead of living in the states. Because of that Im planning to fill a lawsuit against Experian for violating the FCRA 611 ( a ) ( 7 ) To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I made A payment to Barclays on XX/XX/2022. It posted in the amount of XXXX for business travel on XX/XX/2022. This morning I wake up and see in my checking account a pending charge for another XXXX to Barclays that mirrors my original posted XXXX. I call My checking account bank XXXX XXXXXXXX XXXX and they confirm it is Barclays pulling a duplicate payment. I did not put another payment in. I call Barclays and they basically say yes we know. Meanwhile they have basically locked my checking account down because its showing a negative balance with the pending charge. Nobody from Barclays seems to know anything other than theyre aware and its happening to many customers. Zero help no why or when it will be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank has not updated current credit balance and payments information since XX/XX/2022, and this is negatively impacting my credit reports and scores. They have also not provided the contracted rewards amounts on these cards since XX/XX/2022. 

I have asked the company to correct these issues. My email and their response is pasted below. 

The company claims that a " planned upgrade '', which was not announced in advance to its customers and prevented viewing of account information, ability to view and pay bills, and any contact with its representatives for several weeks, continues to impact their ability to provide current information to credit bureaus. 

I believe this is an unfair and possibly illegal business and credit reporting practice. My credit scores and utilization amounts have been negatively impacted for over three months. 

From : Comenity Bank Sent : Friday, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with Comenity Bank, which handles your Visa account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXXXXXX XXXX. I'm here to help with your account needs. 

Please accept our apologies for any inconvenience you've experienced. 

I can appreciate your credit report is important to you. Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time, Rest assured, this is our top priority. We expect to provide an update to the credit reporting agencies within two billing cycles.

We report your account status to the credit bureaus every 30 days. 
Please allow up to 45 calendar days for the credit bureaus to update your credit information.

If you have any questions, please click the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My credit reports are showing that you have not reported my payments in the past three months. XXXX XXXX  account shows a {$970.00} balance due when the actual balance due is {$0.00}. 

This is negatively affecting my credit utilization rating. 

Please correct this error immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXX, Ohio XXXX acct # XXXX, OH XXXX acct # XXXX, XXXX XXXX XXXX, Ohio XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, Ohio XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX  acct # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXX, Ohio XXXX acct # XXXX, OH XXXX acct # XXXX, XXXX XXXX XXXX, Ohio XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, Ohio XXXX XXXX acct # XXXXXXXX XXXX XXXX 's acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: ERC
State: VA

Complaint narrative:
I was contacted by phone in XXXX by XXXX XXXX with XXXX XXXX XXXX regarding a past due XXXX XXXX XXXX bill in the amount of {$1400.00}. I advised XXXX that I have never had an account with XXXX XXXX XXXX. She also informed me that the account was in my name and linked to an address in XXXX, CT, and I advised her that I have never lived in nor even been to CT. I thought that this was resolved as I never heard back from them. Then on XX/XX/XXXX I received an email from my credit monitoring service through XXXX that a " Major Derogatory Account '' and " New Account '' had shown up on my credit report. This time it is from Enhanced Recovery Company, and the charge is for {$11000.00}. On Monday, XX/XX/XXXX, Enhanced Recovery called me and I explained to XXXX XXXX that this was not my account and that this was fraud. She asked me to file a police report, which I did, and she said that she would email me a " fraud package '' which I have yet to receive. She had offered to postal mail the package to me and when I asked her where she was going to send it, she gave me the address in CT, and I told her " I just told you that is not my address, I have never lived there '', thus why I asked her to email it to me. i also had to give her my emails address four times, so I am unsure if she ever got it right. ( I will follow up via phone if I do not get the email by tomorrow ). I also contacted XXXX XXXX XXXX and filled out a fraud report on their website and I contacted XXXX to report it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: GA

Complaint narrative:
I have constantly trying to dispute incorrect information on my credit report from these agencies that are not governed by law via myself as well as a credit company and still have yet to see any results. Please rectify said issue, this is grave danger to my livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX I received a fraud alert from Genesis FS for my Milestone credit card. I denied the payment and they placed a hold on the card. A payment to my credit card that I made to reduce my balance went through on XX/XX/XXXX. When I opened my account online their were other charges that I did not make that had come out. I am unable to log back into my account, I have called every number for Milestone and Genesis FS and the phone hangs up so I have not been able to talk to anyone or close my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pursuant 15 U.S. Code 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2022 I contacted XXXX XXXX XXXX about my hardship cause by covid-19 I spoke to a agent she promised me that the late payment would be remove and late fee due to the CARES ACT. 
upon reviewing my consumer report on XX/XX/2022 I seen that my account was flag for a late payment from the credit card company. ive then attempted to contact the company and ask why this was being reported, I told her this information was inaccurate because I was promised that the late payment would've been remove and late fee wave the lady told me all that was done was the late fee and she cant help me because I would've to contact the consumer reporting agencies to file a dispute to have it remove I have since contacted the XXXX, Transunion and XXXX all 3 of those companies undated my file XXXX accurate, I called XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX  for the 10th time and that's when the chaos started with they agent being rude and hanging on my face telling me there's nothing they can do! I'm reaching out to the CFPB and OCC to help me with 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 non-monetary relief
Consumer complaint received 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant 15 U.S. Code 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX/ XXXX CREDIT CARD ACCOUNT # XXXX XXXX XXXX XXXX on XX/XX/2022 I contacted XXXX XXXX XXXX about my hardship cause by XXXX I spoke to a agent she promised me that the late payment would be remove and late fee due to the CARES ACT. 
upon reviewing my consumer report on XX/XX/2022 I seen that my account was flag for a late payment from the credit card company. ive then attempted to contact the company and ask why this was being reported, I told her this information was inaccurate because I was promised that the late payment would've been remove and late fee wave the lady told me all that was done was the late fee and she cant help me because I would've to contact the consumer reporting agencies to file a dispute to have it remove I have since contacted the Experian, XXXX and XXXX all 3 of those companies undated my file XXXX accurate, I called XXXX XXXX XXXX/ XXXX CREDIT CARD for the 10th time and that's when the chaos started with they agent being rude and hanging on my face telling me there's nothing they can do! I'm reaching out to the CFPB and OCC to help me with 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 2022-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I unfortunately lost my job in XXXX, but was able to continue making my lease payments for a few months. After not being able to find a job, I contacted Ally Financial in XXXX and requested a 2 month extension. The representative I spoke with agreed and said he'd made the adjustment and put notes on the account. My payment was due on XX/XX/XXXX, it's now XX/XX/XXXX and I found out no extension was ever placed on my account and my account is delinquent with a late charge. 
I called back and spoke to a collection representative who stated they were able to see no notes about my previous discussion. She then stated she could offer me the 2 month extension, which I gladly accepted. However she then back tracked saying I'd have to make a partial payment ( which was actually a full payment ) in the next 10 days for me to be able to get the 2 month extension because the account was 17 days past due. 
I tried to explain again that I had called previously before it went delinquent, the way she spoke it made it seem like she was trying to get me to make a payment to hit her " bonus monthly goals '' rather than to actually try to help with the 2 month extension. 
She then tried to threaten me by saying she was removing the 2 month extension if I didn't want to pay. She then went on to say I requested her to cancel the 2 month extension which I never did. All in all was a very frustrating conversation on top of an already frustrating situation when I'm out of work. 
We never got the problem resolved as we were going around in circles and eventually I had to disconnect the call. 
Also the car is worth more than I owe, however Ally will not allow me to sell the vehicle to any third party without increasing the amount owed from what he actual payoff is, is this even allowed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

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