vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am showing a Hard Inquiry from Capital One on my XXXX  Credit Report from XX/XX/XXXX. I already have a card with Capital One and have not applied for another one. I have been offered credit increases and I have checked if I was prequalified for a new card with them but I have not authorized a credit check with them since I first opened my card on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 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: MI

Complaint narrative:
I set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said XXXX keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with XXXX and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.

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 2021-05-27 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: MI

Complaint narrative:
I set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said XXXX keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with XXXX and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said XXXX keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with XXXX and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.

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 2021-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest is reporting on my credit report, this account does not belong to me. I have submitted a police report and filed a complaint with the Federal Trade Commission in regards to an identity theft. I am respectfully requesting that this account be deleted from my credit report.

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 2021-05-27 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: NC

Complaint narrative:
I have two collections on my account from XXXX XXXX and XXXX XXXX and they are not mine

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 2021-05-27 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: NC

Complaint narrative:
I have two collections on my account from XXXX XXXX and XXXX XXXX and they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. 

XXXX XXXX, XXXX # XXXX {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$620.00} XXXX XXXX XXXX # XXXX {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I have a charged off account originally with XXXX XXXX  now TD Bank. I ha XXXX been trying to pay off the account. When I filed bankruptcy over a year ago TD Bank did now respond to the attorney request for account information. I am now trying to sell my house and can not settle without the payoff information. XXXX for XXXX XXXX XXXX have requested the payoff information three times and I have requested it all with no information for the account or payoff amount. Now I can not go to settlement on the house on XX/XX/2021 due to the lack of response from TD Bank. On XX/XX/2021 I call chairman collection department XXXX and could only leave a message with details of name, account number, and the situation that is happening. 
I have been communicating with TD Bank at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: MA

Complaint narrative:
Had a loan modification to an FHA loan a few years ago. Novad Management Consulting apparently administers those loans for FHA, so I followed the instructions for requesting a payoff that were provided to me by HUD. I was told it would take 6 business days to get a response. 

Novad provides no way of contacting a person, they just have you email or fax your request. After 9 business days I got concerned and started to look up the company. I found that they had had 160+ complaints to the XXXX in the past year. Looking at the complaints it appears that Novad is unresponsive to everyone. Once they get a complaint to the XXXX though, they immediately send the info and blame Covid. So I filed a complaint with the XXXX 

I received a message from the XXXX that Novad had gotten my complaint at XXXX XXXX. I got the info I needed at XXXX XXXX. So Novad was perfectly able to respond in a timely fashion but being deliberately hard to get in touch with appears to be an intentional strategy. There are several heartbreaking stories of elderly people trying in vain to get info from Novad for months on the XXXX board, so I felt it necessary to try to make sure they don't keep doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
XXXX  credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up Equifax credit report is violating consumer protection law my score keep going down foe now reason this is madness XXXX  is doing the same thing violating consumer protection law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. 

XXXX XXXX XXXX Date XXXX Balance {$260.00} RENTDEBT XXXX XXXX  Date XXXX Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I discussed a personal loan with One Main Financial on XX/XX/2020. I only found out after they ran my credit that you have to be on your job a certain amount of time and that they did not take proof of income from the company I was working for at the time. The inquiry was supposed to be removed from my report. However, it is still showing on my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
XXXX, Experian and XXXX  has continuously and falsely verified this alleged account.Experian, XXXX  and XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. ( Credit collection ) Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to 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 2021-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On or about XXXX XX/XX/2021 I was contacted by telephone from Ally Auto and the representative told me her name was XXXX XXXX The rep began to ask me if I was who she called for and after verifying she was from Ally Auto I responded yes I am and she immediately began to divulge my debt including the amount, and the late payment status. I first asked her were there any recent notes because I spoke with another rep within the last two weeks and she advised me of a promise to pay note from XX/XX/2021. I stated I was very happy that I record these conversations because I explained numerous times that since XX/XX/2021 I suffered an on the job injury and between the Pandemic and the injury that my income is now reduced substantially. XXXX told me that there was no notes of that. I also explained to her and previous reps that Ally has not tried to work with me to make these payments more affordable. They have not tried. Now while XXXX continued to give me the information about my debt she failed to verify first who she was speaking with meaning if I was the actual debtee by verifying pertinent information for security which is required by Federal Law. Simply using the phone number as she said she did because " prior colleagues contacted me using the same phone number '' is not abiding by the rules of debt collection and financial security.

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 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
I checked my credit a few months ago and saw an account that I did not recognize. I have disputed the account with The Bureaus Inc, and I have received nothing in the mail at all! It is my right to know what and why someone is reporting information about me to a third party. I did my research and found that I need to file a complaint here to punish and eventually get this company fined! Please investigate this company as I am sure I am not the only person who has issues with the confusion this company creates, even their name is misleading!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Nature of complaint : Select Portfio Servicing ( SPS XXXX is charging me {$330.00} in fees and {$56.00} in unpaid late fees. 

On XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) notified me that they were granting a repayment agreement to allow additional time to repay the past due amounts on my mortgage by making additional payments in addition to my regular monthly payments. The total past due was {$3300.00} and the amount became part of my new total monthly payment listed in the Repayment Agreement terms. Per XXXX XXXX XXXX, the amount included all past due payments of interest, principal, and escrow as well as any outstanding fees and costs including unbilled fees and costs. The Agreement would began XX/XX/XXXX and would continue through XX/XX/XXXX. The regular monthly payment of {$550.00} would increase to {$870.00}. The Terms of Agreement was 12 months and if all new total monthly payments were made on time I would resume the regular scheduled payments under the Note and Security Instrument. I signed and accepted the offer. 

On XX/XX/XXXX, XXXX XXXX XXXX notified me that my loan was being sold, assigned or transferred to XXXX XXXX XXXX ( ShellPoint Mortgage ). The XX/XX/XXXX payment went to XXXX XXXX XXXX and the remaining eleven ( 11 ) payments to XXXX. I completed the agreement on time however in XXXX I wrote XXXX four times addressing the fees and they failed to answer. XX/XX/XXXX XXXX transferred the loan to SPS Select Portfio Servicing and Im still trying to resolve the issue. SPS provided me with a payment history from XXXX  with transactions dates beginning XXXX thru XXXX ) and they were not my lender in XX/XX/XXXX thru XX/XX/XXXX. 

Currently, I am in default with my mortgage ( Im due for XX/XX/XXXX and XX/XX/XXXX after Social Security intercepted my benefits for an overpayment ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I would first like to say American Express is an excellent company and its is my favorite card to use. At the beginning of the pandemic in XXXX, XXXX, and XXXX of 2020 I had lost all my income due to the shutdown of the travel industry caused by the pandemic. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also a Veteran. Once I was able to restore my income, my on time payments returned like they have for the entirety of having my account. Prior to the pandemic, except for one late payment, my payment history has had no late payments. Several months ago, a customer service representative said they could remove one of the late payments, but unfortunately not the other two. As of today, I still have not received the one late payment removal on my credit report, but I would also like them to reconsider removing all three due to the pandemic shutting down the travel industry almost immediately. I understand this would be an exception to their policy, but if there is any industry that a person is employed who lost income immediately during this pandemic, it was many of us employed in the travel industry. This is my favorite card, and I use it heavily, and American Express is an exceptional company, I just wish they would reconsider their policy due to the pandemic because it is having a dramatic impact on my credit report and I would like to buy a house in another year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I filed an application for a loan refinance on XX/XX/XXXX. Today is XX/XX/XXXX. Every question has been answered on more than one occasion. Everything has been documented in full with no reasons for such a delay or adverse results. The appraisal on my home was nearly twice the amount requested for refinance. I believe that due to my age at XXXX I am being adversely selected against due to the 15 year term of the requested loan.

Company response to consumer: Closed with explanation