vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX BRCLYSBANKDE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX  violated FDCPA practices by attempting to collect a debt that is not only not mine, failed to prove is mine, the statute of limitations on this debt has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: NJ

Complaint narrative:
We fell behind in our payments a while back because our income had been reduced, due to the vacancy of the first floor that we rent out, hereby losing some rental income, and also I was sick for a few months and could not do much work.

We applied for a modification and discovered a few days ago that we have been denied. The reasons stated were misleading, lies and misrepresentions of the facts. One reason is that we earn over {$10000.00} monthly, THAT IS A LIE! OUR TOTAL GROSS INCOME IS {$6900.00} monthly! They deliberately misrepresented my income from my XXXX  business, saying I earn more than I do, because they choose to not factor in my operating expenses. They used my gross RECEIPTS as gross income and thats incorrect. If I do not pay my XXXX  XXXX  payment, XXXX  insurance, maintain the XXXX, or purchase XXXX   for the XXXX, how can I earn money???? So then, how are they going to ignore the operating expenses of my business and count it as gross income! Gross Income is what Im left with after my operating expenses!

Also, the denial letter said we did not show proof we had a down payment of {$25000.00} on the modification. First of all, they had NEVER asked if we could show proof of {$25000.00}. The denial letter was the FIRST time we heard about that. How can they deny us for not providing something they never asked us to provide? Also, why are we asked to put a down payment of such a high amount???

We feel the bank is making it very difficult for us because they realize that we owe less than thr value of the house and they REALLY want to take the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Contacted National Credit Systems and XXXX XXXX on several occasions, Spoke with XXXX and XXXX at NCS told me my debt was sent to a Law office of XXXX XXXX, and they had to handle it. Although they have continually reported this debt on my credit. I contacted XXXX XXXX they verified they had the deb.t Well I contacted the original creditor which the debt was reduced and told to pay National Credit Systems. NCS refused to take payment saying they no longer had. it. Spoke with XXXX XXXX, and paid XXXX XXXX because I wanted this to be over. To my knowledge it is illegal to continue to report a debt when you no longer have it. I am trying to rent again, and they will not accept the documentation/receipt because National Credit Systems reported and not XXXX XXXX. I have contacted them both and they keep giving me the runarounds. I have paid the debt and I want it removed immediately as it has harmed and was reported inaccurately. They need be held accountable for sharing information and not giving knowledge to the consumer until after. They need to follow the law and report the information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I borrowed XXXX dollars from Navient in XX/XX/XXXX, it was a private student loan. It was repaid faithfully for 2 years but never went down, it only grew. I couldn't afford the payment any longer and they were not giving me any relief opportunities. I defaulted, now to this day well over ten years later they are still reporting on my credit report, stating I owe over 10,000 dollars. They go from account closed to account open, they change dates regularly, they have posted that i made a payment when i didn't, all so they can keep it on my credit report. My son was XXXX  in XXXX of XXXX, and I received a notice that I had made a payment on the day we XXXX  him! Their acts are fraudulent! They have tried to sue myself and my co signer, they do not head to the cease and desist. I don't understand why the credit bureaus allow them to keep submitting when they are so old of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: VA

Complaint narrative:
I have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}

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 explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX of XXXX, NewRez LLC DBA Shellpoint Mortgage acquired servicing rights to my mortgage from XXXX. My county issued a tax bill in XX/XX/XXXX that was due at the end of XX/XX/XXXX. NewRez followed prior experience on the loan and made a payment in XX/XX/XXXX as though it was a semi-annual bill. They paid approximately half of the total amount at that point. Per previous years that were handled by XXXX, that would have put them on target to pay the remainder ( the second semi-annual payment ) in XXXX of XXXX. But, since the county ( XXXX County, MD ) issued the bill as an annual bill, the total amount due was expected by end of XX/XX/XXXX. The remainder of the amount due to the county was issued by NewRez on XX/XX/XXXX, and included penalties imposed by the  county. That payment was not posted to XXXX County until XX/XX/XXXX, and included over {$300.00} in penalties. This amount came from my escrow. 
Late in XXXX, NewRez did an escrow analysis and determined that I needed to increase my escrow payment by approx $ 385 monthly beginning XX/XX/XXXX to meet the escrow amount needed to pay the bill when it becomes due again in XXXX. This was on top of an analysis that added over $ 100 monthly beginning XX/XX/XXXX. 
On XX/XX/XXXX, I called NewRez and asked to speak to someone who could correct this error, and was told that my only path was to email to the servicing group there. I did so. I got an acknowledgement of receipt of inquiry 6 days later with a notice that it can take 30 days to respond. I have gotten nothing from them since, other than to recognize the increased payment due. 

They have mishandled my account from the day that they got it. They are not servicing it properly. Their failure to pay my full tax bill resulted in a notice received by me that my property would go to tax sale. Additionally, my federal and state income taxes have been impacted as my real estate tax payment amounts were short in XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: MISSION FINANCIAL SERVICES CORPORATION
State: FL

Complaint narrative:
I am writing to complain about Mission Finance and XXXX  Credit  Bureau. Mission Finance sent me a bogus certified letter. The letter did not provide a phone number, return address, or location for the Auction sale. XXXX  has this listed as a repossession on my credit score which is prohibiting me to obtain a job as an  XXXX XXXX and purchasing a home. I reported to the Federal Highway Tax and fuel that the XXXX  was destroyed. I had paid for the 2290 Form and could not get my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WLCC
State: CA

Complaint narrative:
As an employer I have received 2 fraudulent faxed garnishments from this company Apex Servicing XXXX. 
These are not judgments These are not judgments but an agreement the employee is not aware of owing. Apex Servicing XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. 
Although stated in the letter, no notice was ever sent to the employee

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CA

Complaint narrative:
My son has been using this card for years with no problems until now. I had used the card XX/XX/2020 and no problems. Went to use it XX/XX/2020 and it didn't work, tried withdrawing funds from it on Wednesday XX/XX/XXXX ATM said they could process the transaction and to contact the financial institution. I have been trying to call for two days and there is no option to check balance or anything you just sit on hold for hours with no answer. Tried logging on to check his account online and it thanks me for requesting a new password and says it sent a link to my email, never received a link to reset the password. Went to Social Security they said there was nothing they could do but are sure Comerica will correct it. Tried calling a different number social security gave me and was told by a customer service supervisor they don't service the cards that start with my number and can not access my account and they are not the same company even though the original representative tried transferring me to the department that did service my card. Im pretty sure the supervisor was lying. My son needs his money. If they locked him out of his account with no access to his money what resolution does he have to get his money back? My son is XXXX years old, I am his payee representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: AR

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
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 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I called into Wells Fargo to make an additional principal payment of {$20000.00} on my small business loan. I saw the {$20000.00} principal payment leave my external account and didn't think anything of it. I have made similar principal payments from this account several times before. 

On XX/XX/XXXX, I reviewed my loan statement and noticed the {$20000.00} principal payment was not. I called into Wells Fargo to let them know and gave them more details of the missing payment ( external bank account details, transaction details, etc. ) They had told me that this was applied to the incorrect loan number internally and they would put a rush to resolve the issue due to the time that has passed and high dollar value. They had told me that they submitted a research request and get back to me in a few days. 

On XX/XX/XXXX, I called into Wells Fargo and spoke with someone about the missing payment. After looking into the issue, I was told that there was a research request in but no one had taken action as the request was not clear. After explaining the issue again, they verified that the {$20000.00} payment was applied to the wrong loan. They also said that they would send an updated research request form that would hopefully resolve the issue. When I mentioned that I would like to log a complaint, I was disconnected. 

I do not know where my {$20000.00} went, if I will ever see that money, or how to log a complaint with Wells Fargo. I have lost enough sleep over this and just want this to be resolved.

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 2020-03-06 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: GA

Complaint narrative:
I wanted to reach out because I was turned down when i applied for a credit card. I see there are some things on my credit that is not mine and needs to be deleted XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX XXXX   AND XXXX XXXXXXXX. I have contacted the FTC and local police.

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 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the debt with all three credit reporting bureaus. My request was to verify and validate or delete. Equifax is reporting the debt as verified and accurate while XXXX  was not able to verify or validate the debt and has informed me that the debt will be deleted. I would like for Equifax to provide proof of verification and validation or delete the debt if neither can be provided just as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank defaulted my CareCredit account using unfair and deceptive practices by failing to deliver billing statements, failing to notify me of an issue, and not providing any notice of late payments or account delinquency. In speaking with Synchrony Bank, they claimed my initial statement was returned to sender. I have verified with them that they have had my correct address on file the entire time. They made no attempt to contact me via mail, email, or phone to resolve the issue or confirm my correct address. CareCredit also made no attempt to contact me about issues with my address or account. My account was then sent to collection with XXXX XXXX  without notification. XXXX XXXX  was able to send me the debt collection notice to the address Synchrony Bank and CareCredit had on file. I have not received one statement, late payment notice, or account delinquency notice from Synchrony Bank or CareCredit. This account delinquency has had a major negative impact on my credit score. The account I was very willing to pay, is now in debt collection because of Synchrony Bank 's and CareCredit 's actions.

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 monetary relief
Consumer complaint received 2020-03-06 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: CA

Complaint narrative:
I applied for an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX  and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$160.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX  Last reported XX/XX/XXXX {$470.00} Reported balance Credit limit XXXX XXXX FKA XXXX  XXXX Account Type Lease Balance {$470.00} Date OpenedXXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date OpenedXX/XX/XXXX 1. The persons name they verified the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Contacted FICO/XXXX/Equifax numerous times without a response. My FICO score dropped 100 points in one month with ZERO changes from prior months. To be clear no new debt no new loans no late payments and no new credit inquiries. 

This is happening across the board with many individuals. This can not continue to happen and will only stop when accountability is put into place. 

BTW ... When did the consumer become so helpless? 

This happened XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: CA

Complaint narrative:
I applied for an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX  and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious accounts.

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