vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 i contacted Equifax via mail to dispute inaccurate information on my credit reports. To date I have not heard a response in reference to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
I contacted XXXX to let them know that I only have 1 account however 2 accounts are on my credit report. I only opened up 1 account. Two accounts are in collection but its two of the exact same accounts opened on the same day. There is an error on their part. One account was paid off and the other account needs to be removed as I only opened 1 account. 
{$1200.00} is the amount of the collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: MA

Complaint narrative:
I have never heard of The Best Service Company. When I called on XX/XX/2020 at XXXX XXXX  the representative on the phone, they could not verify that the debt in question ( of {$2400.00} ) was mine. They requested my social security number and I declined to disclose that information. Instead, I presented the account number listed on my credit report, the amount of alleged debt, my name, date of birth and several other identifying data points. They could not verify that the debt belonged to me but offered the opportunity to pay off the debt for removal. I made it extremely clear that the debt was not mine, that I had never heard of their company and that I would file a report with the Federal Trade Commission regarding this fraudulent claim due to how it has impacted my credit score. I also made it clear that I suspect that this is fraud and they asked me to submit proof of fraud. Due to the fact that there is no concise way to prove fraud, I am submitting this complaint regarding my experience with The Best Service Company.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
In XX/XX/2020 my home loan was purchased from Ditech by NewRez. Since that time my home loan has not been reporting to the credit bureau. NewRez 's website states they have 30 days to start reporting. In XX/XX/2020 I called to find out why it was still not showing up on my credit report and they told me my account had been flagged bankruptcy when it should not have been and that they would fix it immediately. I then received a letter via email on XXXX over a month from when I spoke to them apologizing for their error and they would fix the problem and my home would report starting in XXXX. I have owned my home for over three years and the lack of credit reporting for 9 months has affected my credit in a negative way. I am asking that NewRez report my loan as stated on their website for the duration of the time they have had my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/2020 we had a house fire XX/XX/2020 requested financial help from XXXX XXXX XX/XX/XXXX XXXX  placed my loan in the forbearance program XXXX 2020 I paid {$50.00} per month as part of the forbearance program XXXX XXXX 2020 the forbearance program ended XXXX 2020 I paid my full XXXX mortgage payment and all outstanding monies for XXXX, XXXX, XXXX. 

XXXX XXXX 2020 XXXX reported my loan 90 days past due, i was alerted by XXXX via email my Loan was going into foreclosure and reported to TransUnion. 

XX/XX/XXXX I placed several calls to XXXX XXXX to resolve the issue. Customer service, account resolution, executive escalations said they could not correct the mistake, according to the forbearance documentation i was out of compliance. 

XXXX mailed all documentation to the house address that burned down. I never received any of the mail. When i spoke to XXXX XXXX on the phone I told them my plan to repay all payments in XXXX, that was in XX/XX/2020. 

XXXX XXXX documentation indicated i made the XXXX, XXXX, XXXX payments as stipulated in the forbearance agreement. 

XXXX XXXX  never documented or informed me if payment was not made by XX/XX/XXXX I would be reported to the credit bureaus as delinquent. Language from their documentation " This XXXX have negative impact on your credit score ''. 

XXXX XXXX  sent me on XX/XX/XXXX an electronic copy of my forbearance documentation. The electronic copy was sent at my request. 

XXXX XXXX did not provide me with legal documentation in a timely fashion. XXXXXXXX XXXX did not provide any documentation indicating my credit would be negatively impacted if all monies were not paid back by XX/XX/XXXX. XXXX XXXX  did not act in a professional manner in dealing with my complaint and escalation request. XXXX XXXX  acted in a predatory manner continuing to call me daily to re-finance my loan, which was not possible because of the re-construction from the fire. 

XXXX XXXX  documentation clearly states i made payments for XXXX, XXXX and XXXX, and fraudulently reported my loan as delinquent.

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 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
My name Is XXXX XXXX and I am a XXXX XXXX XXXX, I opened a account with Chime Bank and my pay would be deposited through XXXX pay to my account from the person I drove for ( XXXX XXXX ). On XX/XX/2020 I received my pay of XXXX dollars and XXXX XX/XX/2020 a withdraw of {$1000.00} dollars was put threw on my account. I never authorized anyone to with draw XXXX dollars from my account. I never sent XXXX dollars to ANYONE. I never purchased ANYTHING for XXXX dollars. I Reported the transaction to Chime Bank and went threw all their hoops TWICE! They closed my account and you can't call them unless you have a open account. You can only contact them threw email once your account is closed and they have denied that there was ever any wrong doing to my account and refuse to fix this. Last time I checked {$1000.00} dollars was Grand Theft but no one in that bank wants to help fix it and even worse we can't see my account history because they shut it off.. I will attach all email conversations with Chime Banks Support Department for you. After I have done a little research I have discovered I am NOT the first person CHIME BANK has done this to. Please help me in this matter, {$1000.00} doesn't seem like a lot of money but to me and my family at XXXX IT IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My Loan was sold to LOANCARE. My first mortgage payment was due XX/XX/XXXX. I received a mortgage statement showing my payment was less than expected. I called LOANCARE and they said they show a credit and to make the payment on the statement. I did. ( please see the statement and payment out of my bank account ) I started getting phone calls from Loancare about not making my payments shortly after this. I kept telling them that we made the payment per their instruction. Thereafter, they kept calling and calling about a missed payment. They put on my following months statements a full month payment being missed. I made XXXX and XXXX payments when I started getting phone calls from Loancare once again. I asked for a manager after conversations Loancare trying to clear this up and they told me they would call me back. Never received a call back. Yet once again getting more calls from Loancare harassing me about my payments. I have called them numerous times with no return calls after they said they would call me back. Finally, I reached out to my loan officer that I did my loan through to help me. I then received a phone call and a letter in the mail that the correction was made. NOW, I am getting another letter stating I am still late and no payment was received. I have numerous amounts of recorded conversations with Loancare documenting what I am referring to. Also, I have documents I can upload supporting these timelines. I have never been late and I have followed Loancares direction on what to pay originally after I questioned the payment amount. I need some assistance getting this cleared up as I have spoken to Loancare SEVERAL times, waiting on hold for over XXXX hours to speak someone, been told they would call me back and never did, and then have a letter being told this is corrected and yet still get harrased by phone calls telling me I still owe. This is unacceptable from a mortgage servicer to scare me about a payment that has been made. I am afraid they are going to put me in foreclosure.

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 2020-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
I submitted my application and told i was pre approved. I uploaded my ID, paystubs and all information that was requested. I received an email saying that they were unable to verify my information. I called and asked what they were unable to verify and they would not tell me. I find this very misleading and very poor service. They should be able to tell me why they are having trouble verifying my information. I have good credit and waited 2 weeks for this and this loan company can not even tell me why my application was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc.
State: MA

Complaint narrative:
Hi Delta Management XXXX / XXXX XXXX How are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I received a letter from Phh morgage company that my escrow account was short a specific amount of money and I paid that amount in full guaranteeing me my morgage wouldnt go up. They cashed the check for that amount specifically. There was a due date by which the amount needed to be paid and it was and the check cashed. They allowed my payment but didnt apply it to my escrow and my morgage payment went up and I was guaranteed it wouldnt. They didnt apply to my escrow. They told me they couldnt discuss my morgage with me and why it went up. I told them the day they cashed that check the agreed to the terms and conditions of that contract. How can they not apply the funds in the contact I paid for specifically to my escrow account. My morgage went up .I want to know why they didnt honor the terms in their contract and liked my morgage account to be the correct amount and the money in my contract honored into my escrow. XXXX XXXX email XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Upon pulling my credit report I noticed that there is a Victoria 's Secret account from 2014 that does not belong to me. I disputed this account with the credit bureaus and it came back verified. It is my right to conduct a direct dispute with Comenity/Victoria 's Secret under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file. I have no knowledge of this account and it is currently reporting as a charged off debt and is preventing me from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX.

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On Saturday XX/XX/XXXX at XXXX I received a fraud-alert text message from my bank, BB & T . It asked if I had attempted a {$500.00} charge with my debit card at XXXX ( XXXX Services ) . I replied NO and immediately received another text with a phone number, which I called right away. The bank representative ( not the fraud department ) blocked my debit card. He explained that XXXX had tried my card with a {$0.00} charge, then made TWO {$500.00} withdrawals. 

On XX/XX/XXXX I filed two fraud claims in a single process at the XXXX XXXX ( XXXX ) website. I have yet to receive any acknowledgement from XXXX  that they received my claim. On XXXX I selected the XXXX  fraud claims page/site callback option. I have not gotten a call back. 

BB & T 's checking account phone rep told me on XX/XX/XXXX that the two charges were pending but there was nothing the bank could do to stop them from clearing. These charges, made XX/XX/XXXX, did not clear until XXXX. On Tuesday XXXX I filed claims at my local branch bank. On XXXX BB & T emailed to let me know a new debit card was on its way, listing the reason as " Your BB & T Debit Card was reported lost. '' It was not lost, it was blocked by the bank rep during our XX/XX/XXXX phone call. This kind of inaccuracy has me concerned. Also I called BB & T 's fraud department today, was on hold for 22 minutes and then the call just disconnected, as if a rep had flubbed connecting with her next on-hold caller ( me ). 

XXXX XXXX  does not have my bank account info. I believe access to my account may have happened because I signed up for a 14-day trial subscription ( {$39.00} after the trial ) with XXXX on XX/XX/XXXX. I made the mistake of clicking the " Pay with XXXXXXXX XXXX  '' option, even though I have never used XXXX nor given them my account info.

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 2020-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
for the lift of my loan my lender has been tacking on late fees when payments have been made through auto debit. I don't control when their auto debit goes through, yet, I still get late fees.

Company response to consumer: Closed with explanation