vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This are all fraud inquiries I have not given any of these creditors permission to pull or access my credit under FCRA by these being fraud and the creditors reporting them they need to be removed immediately : I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for XXXX, Experian and XXXX XXXX. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information XXXX, Experian and XXXX XXXX is reporting the information and need to correct the information. 

Experian : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-29 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: MD

Complaint narrative:
XXXX XXXX XXXX cards XXXX XXXX XXXX XXXX De XXXX XXXX filed an inquiry on my report that I did not authorize on XX/XX/2021 when I canceled my card. I did not give permission to have my credit pulled. I therefore closed the account and was told I had a XXXX balance. I later found out the marked me with a late payment through XXXX, XXXX, and XXXX. this informations is false. Please help.

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 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have been trying to refinance 2 loans for 9 months with them. They told me in XX/XX/2020 I was approved. They have told me multiple times I was ready to close and nothing. They keep asking for more and more. I have had to pay for 4 payoffs and still no close. They want to run my credit again even though I have very good credit. One of the mortgages they already hold, I've never been late, that should be a no-brainer. They appraised them and there is 50 % equity in them. And they still won't close. I have been through many managers and they keep blowing me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This is the 3 time I have sent a complaint over this fraudulent account from THE XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the XXXX XXXX collection and the credit bureaus that is has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Macy 's reported my credit card had late payments. I never made a late payment and requested written documentation.XXXX I therefore closed the account. I need to have the late removed from credit immediately.

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 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Customer service is the worst ever. I opened an account with CareCredit through my XXXX office. Who immediately charged my bill to them. I got a receipt with the last 4 digits of this new account. XXXX did not send me an email or anything with my account number and within an hour I tried to call and cancel. They did not want to speak to me without an account number. I spent the 2 hours trying to get through to customer service and when I finally did they said they would have to transferred me to another department only to wait yet again for an hour. Then when I did get through they said they couldn't send me an email either confirming my account existed or to cancel this account. Then I asked for the person name to write down along with the date I cancelled but they said they couldn't give me their name either. This smells like a scam to me. They did not want to give me any confirmation either on my newly opened account or on the cancellation of this account an hour later. I am still not sure what is going on and can't get any good answers.

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 2021-06-29 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: CT

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MI

Complaint narrative:
all list accounts and inquiries are fraud and are on my credit reports. 


XXXX XXXX Date opened - XX/XX/XXXX Account number - XXXX balance - {$7700.00} XXXX  XXXX XXXX Account number - XXXX Date opened XX/XX/XXXX balance - XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2021-06-29 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: AL

Complaint narrative:
XX/XX/XXXX - The XX/XX/XXXX payment was reported as " late. '' This caused a 45-point decrease in my score in the MIDDLE OF MY HOME PURCHASE. Upgrade admitted fault ( after many, many calls and emails. ) The issue was corrected in about 10 days. This almost cost me my new home. 
XX/XX/XXXX - I paid off the loan in XX/XX/XXXX and on XX/XX/XXXX the same XX/XX/XXXX payment was reported as LATE. This caused a 40-point decrease in my scores. 
I just so happened to have purchased a new vehicle in the beginning of XXXX. Unbeknownst to me, the reason why I didn't get the preferred rate from my bank was because the late payment was already reported to the bureaus. I did not know this until after the fact and too late to discuss with my bank. None of this showed on my credit reporting apps prior to me purchasing my car ... .I would have waited. This is costing me thousands over the course of my loan. I should have a 3.3 % rate and had to accept a 5.25 % rate! 
I haven't missed ONE payment on ANYTHING in YEARS! 
I want compensated ... my bank XXXX XXXX XXXX will not refinance for at least a year. This has been a horrible experience and has caused me so much grief. NOT TO MENTION>>.. NO ONE at Upgrade will ever call me back!! I have had to call them SIX Times! I got the attached email that it can take 60 days for this to be corrected ... I may need to help my parents with a big purchase very soon ... I can't if my scores are not corrected! 
Please HELP!

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 2021-06-29 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: IA

Complaint narrative:
On XX/XX/2021 I reviewed my TransUnion credit report and noticed that TransUnion was not only not enforcing statutes under the FCRA but were a accomplice to the infringement of my federally protected rights. I sent a notarized affidavit with exhibits and they are in possession of that affidavit and have not notified me that an investigation is in progress.

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 2021-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX 's reported my credit card had late payments. I never made a late payment and requested written documentationXXXX I therefore closed the account. I need to have the late removed from credit immediately.

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 2021-06-29 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: MD

Complaint narrative:
XXXX 's reported my credit card had late payments. I never made a late payment and requested written documentationXXXX I therefore closed the account. I need to have the late removed from credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MD

Complaint narrative:
XXXX XXXX is reporting a debt of XXXX $ For Gas and electric when I did not live at the reported address. I sent them a copy of my lease and the home inwhich I lived in when this reported. they wont remove from Credit Transunion

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 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
XXXX and Palm Beach Credit Adjustor will not remove a reported medical collection as they are double reporting and the reported debt collector " Palm Beach Credit Adjustors '' does not own or have the collection authority to report, as it is owned by Focus Financial services who already has removed their reporting from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
Our mortgage was held by XXXX XXXX until XXXX of XXXX. In XXXX of XXXX, we requested relief due to COVID and XXXX XXXX gave us relief in the form of 3 monthly payments, covering XXXX, XXXX and XXXX of XXXX, that would be moved to the end of our loan. We owed {$1300.00} per month for those months which, again, were understood to be being moved to the end of our loan. We resumed paying XXXX XXXX in XX/XX/XXXX and didnt miss a payment until our loan was sold. 

Carrington Mortgage Services , LLC bought our loan from XXXX XXXX as a part of a disaster forbearance package. Carrington claimed we were delinquent for those 3 COVID months and owed all of it plus the month of XX/XX/XXXX, which was their first payment period as new owners of our loan. 

It took some time to get into contact with Carrington to find out what the issue was. We spoke to a woman named XXXX several times who told us not to pay the full amount owed on their website until we got to the bottom of things. Meanwhile, the letters from Carrington claiming we owe still more money for fees while the clock is now into the 3rd month without a result. 

We now owe $ XXXX+ for the original COVID forbearance and the 3 months since Carrington bought our mortgage and now Carringtons website wont even allow us to pay off the total, which were willing to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
Franklin Collection XXXX added this debt to the credit unions which resulted in a XXXX deduction in credit score. I contacted the office that sent this to XXXX and advise them that I was charged and paid for what they asked for when I was in their office. This should have never been sent to the credit bureaus. The dentist office is XXXX XXXX XXXX, XXXX in XXXX, MS . They need to get into the habit of asking for the full amount if that is what they charge. I had no knowledge of this bill. I have since sent XXXX the payment requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MD

Complaint narrative:
XXXX XXXX is reporting a debt of XXXX $ For Gas and electric when I did not live at the reported address. I sent them a copy of my lease and the home inwhich I lived in when this reported. they wont remove from Credit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I applied for an XXXX XXXX Credit Card. I was asked to provide documentation to verify myself. I provided the documentation as per the letter. I called to confirm receipt of the documentation. I then received a letter that stated they could not confirm my identity. I called to asked about the denial and was given vague if formation on my credit application denail. I asked specifically why the documentation provided was not sufficient and was given another vague explanation that my documentation was no sufficient. I provided my drivers license ( front and back ) social security card and my XXXX  XXXX. I then spoke to a XXXX and she stated the address was not on my XXXX after several minutes of review. I located the information and explained where it was on my XXXX. I asked was I able to simply provide a clearer copy. They do not allow you to provide clear copies. This is a horrible business practice and seem to be unfair to the clients. My credit now has a credit inquiry that will lower my credit score for 2 years for an application that was declined for an illegality issue. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
It is all detailed in complaint number on my account XXXX The case was closed because my feedback was not timely posted on CFPB. However, during this time XXXX at Netspend would not return my calls. In fact, the call she refers to on XX/XX/XXXX was me trying to reach her. I have not been able to submit the documentation that supports my complaint and dispute of {$140.00} of charges that are complete theft of my Stimulus, the 3rd installment from the Corona virus pandemic. I have proof that I do not know how to submit that there was a card already on the account that was 100 % fee free. I have the card number and account number and documentation to support this. It was a card via PayPal. On the same account the funds were deposited to. The amount of time I have spent on this is absolutely embarrassing. I urge CFPB to request the recorded phone conversations that were had between myself and various employees of Netspend. In addition, the IRS sent me a letter that the funds from my 2nd Stimulus were deposited to the same account, but Netspend says it is not true. Well I have the letter from the IRS I want to submit that, as well. Please help me acquire these recorded phone calls per my account at Netspend to demonstrate the lack of interest the company has in truly resolving issues that have harmed the customer.

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 2021-06-29 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
I filed complaint XXXX in which the company acknowledges mistake however they say my lates are in XXXX and they arent. The late reporting accured from XX/XX/XXXX till XXXX of XXXX in which I have 6 missed payments. Community also says my loan doesnt qualify for forbearance yet I've been on forbearance since XXXX of XXXX and still to this day. XXXX continues to report the 6 missed payments. Community states they've sent correction letter to XXXX to remove all 6 lates, however XXXX says they've never received such letter. In fact XXXX says community confirmed the 6 late payments as accurate even after theyve acknowledge their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: OH

Complaint narrative:
This is the 3RD time I have sent a complaint about this fraudulent account from XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the 3rd Party collection and the credit bureaus that it has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.

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 2021-06-29 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX XXXX # XXXX -FEDERAL ADJUSTMENT BUREAU INC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: OH

Complaint narrative:
This is the 3RD time I have sent a complaint about this fraudulent account from THE XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the 3rd Party collection and the credit bureaus that it has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
I received a bill from XXXX XXXX for {$360.00} in XXXX. The bill was paid in full on XX/XX/XXXX. I retrieved my credit report on XX/XX/XXXX and saw a collection company for XXXX XXXX, Wakefield and Associates, was on my credit report for the amount of the bill, {$360.00} that was paid off over a year ago. I disputed the account with XXXX  and provided a copy of the payment receipt from XXXX XXXX and the response that I received from the dispute was that the account still stands as being owed and it was not removed from my credit report. The receipt I provided from XXXX XXXX had the date it was paid and the confirmation number on it. A simple investigation verifying the receipt of payment would have proved that the account was paid over a year ago. On XX/XX/XXXX I spoke with a representative named XXXX at XXXX XXXX and she informed me that Wakefield and Associates was informed of the payment in XXXX of XXXX.

Company response to consumer: Closed with explanation