vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I filed bankruptcy. Once I filed bankruptcy, My credit score dropped to XXXX.However, For the last 13 months, I have done all the steps to improve my credit such as ; I added five new credit cards. I have paid them on time and I have no late payments. I have kept my credit usage down below 15 percent. My credit score start increasing and after one year in XX/XX/XXXX, my credit score increased to XXXX points. However, for no reason Experian start dropping my credit score. On XX/XX/XXXX Experian dropped my score by five points. The again on XX/XX/XXXX Experian dropped my score by 17 points. I contacted Experian and they told me that Fico Score company dropped my score and told me to contact them. Upon contacting Fico Score I found that this was untrue. Nevertheless, Experian took away XXXX points from my credit score for paying my creditors on time and keep my credit usage low.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX, I opened an account with XXXX XXXX Loans for a used ( XXXX ) XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again ( XXXX ) with my wife ( who handles our finances ), and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manager. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from XXXX and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by XXXX ) gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. 
Thank you XXXX XXXX XXXX XXXX XXXX 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 2021-03-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX, I opened an account with XXXX XXXX XXXX  for a used ( XXXX XXXX XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again XXXX XXXX XXXX with my wife ( who handles our finances XXXX, and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manageXXXX. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from XXXX and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by XXXX XXXX gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. 
Thank you XXXX XXXX XXXX https : //santanderconsumerusa.com

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 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2021 someone applied for 3 different credit cards. Capital One, XXXX XXXX and a 3rd that I can not remember. This was not me and I need them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ... PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX. XXXXXXXX XXXX XXXX ) XXXX ... PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX. XXXX MD XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX. I was made aware today via my report online after having made contact with debt collectors and doing research to follow the proccess to remove these unfair judgments and after being phoned repeatedly about these debt that I can dispute them in more effective ways, I did not incure these debts. I wasn't aware did not understand at the time I could dispute it or tell issuerer this debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I faxed a letter to XXXX  XXXX XXXX after a conference call with their service representative, and a representative from XXXX XXXX XXXX XXXXXXXX XXXX. The letter and call were designed to explain to XXXX  XXXX XXXX that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX ) made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off XXXX . The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, XXXX, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

Equifax has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA XXXX or Equifax has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against XXXX  and Equifax : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020, I faxed a letter to XXXX XXXX XXXX after a conference call with their service representative, and a representative from XXXX XXXX of XXXX XXXX. The letter and call were designed to explain to XXXX XXXX XXXX that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX XXXX made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off XXXX XXXX The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, Experian, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

XXXX has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA Experian or XXXX  has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against Experian and XXXX  : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )

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 2021-03-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: NJ

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX, {$450.00}, {$330.00}, {$100.00}, {$10.00}, {$100.00}, {$110.00}. I have called well over 20 times in this time frame to resolve a host of issues. I spend no less than 20 min on hold then another 25-60 min explaining and getting passed around. It is affecting my mental stability as I get anxiety every time I have to make a payment. The company has sent a doc and resolved 1 issue only to lead to another. Supervisors don't call you back. I have written a letter to the president of the company with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
XXXX XX/XX/XXXX Property taxes due. Notice sent directly to Citizens One. XXXX XX/XX/XXXX Loan Closed. ( Escrows were not netted ). 

XXXX XX/XX/XXXX received late notice from XXXX County. Property taxes were not paid and overdue. 

Amount due : {$2800.00} Late fees : XXXX Between XXXX XX/XX/XXXX and today, I and my mortgage broker have contacted Citizens several times ( More than 10 ) and get a different response every time. Was told to call back on XXXX XX/XX/XXXX and " if I had not received a check, they would over night me one. 

Mortgage Broker : XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX Called XXXX XX/XX/XXXX and all case info was gone. Like I never called. 

XXXX XX/XX/XXXX Broker called to get an update and I was told to NOT contact Citizens again. 

XXXX XX/XX/XXXX Called, Tried to prevent me from filing a complaint by not giving names or NMLS IDs. On hold for 35 min. Never connected me and got disconnected after being on the phone for 41 min. Call ending XXXX XXXX XX/XX/XXXX. 

XXXX XX/XX/XXXX Called to get update. Spend 47 min on the phone. Servicer refused to give me her ID or name and said that it was my current mortgage companies fault or the title company. Broker said that is 100 % not possible or accurate. Asked to speak to superior but she kept talking over me reciting something she was reading. I never got an answer or to speak to superior. 

Law says loan servicer is responsible for taxes till they are no longer servicing the loan. They did not pay the taxes when they were the servicer. 

No one has called, mailed, emailed me. No communication at all since my first call XX/XX/XXXX. 

I would like a check or wire for the taxes and the late fees : {$2800.00} Late fees {$610.00} * I am a XXXX XXXX XXXX XXXX in the XXXX of Virginia # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX  XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX  that I am ( XXXX ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX  XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX  XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MCU Holdings, LLC
State: WA

Complaint narrative:
MCU has left numerous electronic messages stating I am delinquent or past due on this account. I have never dealt with, had any business association, personally or otherwise. I have asked them to cease any and all communication, as recently as approximately XX/XX/2021. I continue to receive correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Ussa Bank has been holding funds in our account for over 5 mnts. Someone scammed my son and deposited a check that the account was closed. We talk to Ussa stated that my son got scammed and that there were no more pending deposits. they then stated that they would old money in the account in the amount of XXXX until they can ensure that no more transactions need to be covered. It has been well over 5 mnt with not other transaction in or out of the account and they will not release the money and close the account out. I have talked to them many times they would not let me speak to the review department. and they will not let me know when the money will be released. they stated they do not know and can not tell when my money will be released. Account Number XXXX Name on account XXXX XXXX and XXXX XXXX

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