vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an email notification from Experian to check my account. I have online accounts with Experian, XXXX, XXXX  XXXX XXXX since I was identified as one of the victims of the XXXX data breach at XXXX  and I monitor diligently my credit and all my accounts. When I checked my account it showed I has no credit account with XXXX XXXX  and has NO FICO SCORE to show. Indeed, I have a very active line of credit with XXXX XXXX  in extremely good standing since XXXX. I was shocked and very upset to see this and to see when I logged into my accounts with the other credit agencies that my FICO score of over XXXX  dropped overnight to about XXXX. I protect my excellent credit with my life. I know that this is one of the major indications of identity theft. I spent hours that night and hours each day for the next several days trying to figure out what could have happened, ordering and scouring my credit reports from all agencies and contacting them. When I called my credit card issuer, XXXX XXXX, they escalated my case to XXXX XXXX XXXX of XXXX XXXX  Retail Support group. It was then discovered that XXXX never reported my credit activity for this month ( XX/XX/XXXX ) and all my credit reports and FICO scores with all four agencies reflected this and suffered an enormous drop. After countless calls and emails XXXX did finally supply my data to Experian which the following day, XX/XX/XXXX, reflected the correct FICO score of over XXXX. I then had to open a dispute with each individual agency asking them to re-run my XX/XX/XXXX reports with the correct reporting now supplied by XXXX XXXX, This was a tragic situation for me. I almost went to the police because I was sure fraud was committed against me, only to find out my own bank did not report my credit to the agencies. Now I have an indelible black-mark on my credit history with all agencies showing at 150 point DROP in my hard-earned credit for the month of XXXX that will always be there. XXXX XXXX  made a huge mistake and I'm probably not the only one. This egregious failing on the part of XXXX needs to be investigated. I need ALL my reports with all credit reporting agencies fixed immediately to show that I did not cause this tremendous drop in my credit for the month of XXXX and eradicated if possible. Thank you! 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 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
I called ERC debt collection and paid in full the debt owed in the amount of {$540.00} in which I had to fight them for a receipt. Then when they sent me a letter confirming that they were going to do a goodwill deletion letter the debt they was dragging their feet on it. Once I filed a complaint with this organization. To reiterate against me I just received another letter from ERC now claiming that I owe an additional {$96.00} which I do not the amount in which I paid was {$540.00} to pay the debt in full with a goodwill deletion and now they are demanding additional payment in which I am disputing and what to bring there unfair debt collection practices to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get a hold of Equifax FOR MONTHS!! I am a victim of identity theft a few times and submitted the documentation to them and tried to call. Every time I call the automated response tells me I can't be verified! I know my address and if I can get past that the questions they ask me about my credit report they say I got wrong as well! I know where I bought my car ( the lender and how much I pay for it ). I am trying to buy a home and I have been trying to get this and the inconsistencies on my report fixed Since XX/XX/2021!!! I have not gotten a response from them at all! 

As far as the accounts in question I have not gotten any response from the accounts for the inquiries and I get generic letters from the accounts that need the payments corrected to contact the bureaus. I have followed up with XXXX  & XXXX  and they complied graciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, I personally deposited the amount of {$66000.00} consisting of 8 checks and cash ( payments for work ) in the amount of {$25000.00} at the Bank of America location on XXXX in XXXX. This amount is shown in the month of XXXX statement provided to me by Bank of America ( attached ). The same day, however, the bank readjusted the amount and deducted {$25000.00}. When I inquired ( again in person ) I was told that the deposit had not included any cash but only checks. This is false. I filed an official complaint with Bank of America number XXXX to the XXXX XXXX XXXX but there has not been a satisfactory resolution. The bank is refusing to provide the video. I was given about ten images to see but this is inconclusive. I am confident I deposited the cash and checks. A bank does not make a mistake of this magnitude when recording a deposit. Yet, without explanation or investigation, they are refusing my money. I own a XXXX XXXX XXXX and this money is the result of this labor. I am an XXXX  and don't speak XXXX and I believe the bank is not taking my claim seriously as a result.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Bankruptcy Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. 

I personally contacted the Bankruptcy court to get some information they dont even have any of my information so how could you Report this on my credit. You guys should fined and prosecuted reporting false inaccurate information is against the law & against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: FL

Complaint narrative:
I have over 30 hard inquiries on my equifax account due to fraudulent or no knowledge of being mine and that they refuse to remove them from my account after multiple disputes and calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank, XXXX Visa credit card. Opened in XXXX, and XXXX I send my payment in 2 weeks ahead and they credit day after due date, say they are aware of a delay in there receiving of mail payments. Refund late fee, but I then send payment by XXXX or XXXX of each month for due date of XXXX and even 17 or 18 business days mail and they still credit day late everytime. Only once did they do my payment processing properly, XXXX, sent on XXXX received on XXXX like normal mail should work. today XX/XX/2021 again they say not received and will waive my late fee after speaking with manager XXXX. But I say the problem is not the mail system, as that is impossible, it is not me, as I am sending payment in beyond early, but is there predatory practice of purposely holding payments to just after due date for fees and causing credit damage to good customers always paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Mercedes Benz Financial Services
State: DC

Complaint narrative:
Two of my three consumer credit reports ( XXXX  and XXXX ) are each erroneously showing a single 30-day delinquency on my Mercedes-Benz Financial Services installment loan ( account no. XXXX ), while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsXXXX shows a 30-day delinquency in XX/XX/2017, while XXXX  shows a 30-day delinquency in XX/XX/2017. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of Mercedes-Benz Financial Services on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
I I took out a {$2000.00} loan because I was out of a job and I have been paying XXXX a month for 5 months now and I still owe more than the principal amount. I'm depressed, the value never went down and the main value went up. impossible to settle the amount. terrible. I call the corporate and nobody give a call. This need to stop and people never have to go in this place called CHECK AND GO! Loan Sharks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day more than 60 days have passed, but I still got no response. I was told that FCRA requires you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. this is means you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for a legal complaint. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2021-08-27 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
These accounts don`t belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CL Holdings LLC
State: NY

Complaint narrative:
These accounts don`t belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
We applied for COVID CARES Act Forbearance in XX/XX/XXXX and it was approved. We applied to have it extended several times and they were all approved. 

In XX/XX/XXXX we were ready to begin repayment. We requested information via phone for repayment options and were told we could do loan modification where we could get a lower interest rate without paying closing costs. The rep who told us this had our loan pulled up and could see all details. We requested this option. 

The offer came in the mail and it was the same high interest rate, with a monthly payment higher than we were paying before. We called and were told on the phone that we weren't eligible for a lower interest rate because it was a conventional loan and only FHA loans were eligible. We were told we could do deferment instead, so we asked to reject the loan modification and requested deferment. We were told to wait 7-14 business days for the paperwork to sign. 

21 days later we received a letter saying our mortgage was being transferred to a new servicer. We never received the deferment paperwork so at this time our mortgage forbearance had ended and we had no repayment plan, with a pending transfer to a new servicer. We called many times and spoke with many levels of support requesting information about why the deferment request was not processed, why the mortgage was being transferred without any forbearance or repayment plan, and every level of support told us different things. One said the deferment couldn't be processed. The next said it was already in progress and would show up with the new servicer. The next said we still had to sign something to officially accept the deferment, but that it wasn't sent and would not be sent because of the transfer. The next said they could email it to me and we could fax it back. 

At every step of the way I begged for something in writing showing that we had followed every step correctly and that this delay was their fault, to protect us from anything bad happening when the transfer happens. Every single level of support from tier one to upper level management said there was nothing they could give me in writing. 

We are now a few days away from the transfer and praying that we don't end up delinquent facing foreclosure. We do not have the funds to pay in full like they are asking. We have the ability to make monthly payments but we are not being given the opportunity to do so. We just want to bring our loan current on a repayment plan, pay for 3 months, and refinance to a lower interest rate. 

If this servicer 's actions have caused us to no longer be eligible for refinance, we will have very high very tangible financial loss.

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 2021-08-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been 60 days so those items should be promptly deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the wrong person 's hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: DC

Complaint narrative:
Two of my three consumer credit reports ( XXXX  and Equifax ) are each erroneously showing a single 30-day delinquency on my XXXX XXXX XXXX installment loan ( account no. XXXX XXXX, while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsXXXX shows a 30-day delinquency in XX/XX/XXXX, while Equifax shows a 30-day delinquency in XX/XX/XXXX. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of XXXX XXXX XXXX on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: DC

Complaint narrative:
Two of my three consumer credit reports ( Experian and XXXX ) are each erroneously showing a single 30-day delinquency on my XXXX XXXX XXXX installment loan ( account no. XXXX XXXX, while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsExperian shows a 30-day delinquency in XX/XX/XXXX, while XXXX  shows a 30-day delinquency in XX/XX/XXXX. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of XXXX XXXX XXXX on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.

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 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
SMITH ROUCHN Has reported that I have an outstanding account with them, but this information is not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft NSTAR/COOPER  Account Number : XXXX This is not mine.

2. Identity Theft Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I originally opened a complaint an td bank answered me for overdraft fees for the month of XXXX  stating I was charged overdraft fees because insufficient funds, that was not my complaint, my complaint is at the time of the coronia virus epidemic, td bank was sent a letter from state stating at this time of crisis you should not charge overdraft fees, they ignored the letter an continued to charge over draft fees an not returning them, Im talking going back from XX/XX/XXXX to present, they responded only for overdraft fees I received in month of XX/XX/XXXX, Im talking about the letter that specifically was sent to Td bank along with with other banks that was sent out on XX/XX/XXXX XXXX : XXXX

Company response to consumer: Closed with explanation