vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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 noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Paid full amount due by the due date and the next month they charge an interest fee. And so every month you try to pay the full amount due ( the interest fee ) and its impossible because they charge an interest fee the following month again. 

And if you thought you were done and didnt catch their little scheme they charge late fees for the interest on a XXXX  balance account. 

Sounds like fraud to me! 

According to their statement : HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see a 30-day late mark which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2021. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/2021 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
My home mortgage loan is with Pennymac, and for two consecutive years their escrow/servicing department has paid my homeowner 's insurance premium late resulting in cancellation of my hazard insurance. Then, to further demonstrate their inability to manage escrow accounts, Pennymac force places hazard insurance to cover the lapse in coverage caused by their failure to pay the premium on time. This is an unacceptable practice and has the potential to cause significant consumer harm. Lender placed insurance is more expensive than what I pay privately. Also, the lapse in coverage and lack of payment hurts my good standing with my insurance company. Pennymac apparently lacks controls and has established a pattern or practice of escrow mismanagement because this has happened to me two years in a row. Imagine how many other consumers this Pennymac is harming because they lack the knowledge and expertise to manage their customers ' escrow accounts. Pennymac 's servicing department should be scrutinized and subject to enhanced examination by their regulator, and if warranted, they should take actions to correct their complete lack of controls and provide remediation for harmed consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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:
My lender reported negative information during a forbearance. We went through bankruptcy while on forbearance, however they keep reporting red flags and discharged through the bankruptcy court. But we still have the loan and we have been on forbearance since XX/XX/2020. Filed bankruptcy in XX/XX/2020, discharged in XX/XX/2020. The lender keeps saying it was written off. They didnt let us submit a reaffirmation because they never sent in the proper paper to our lawyer. We had to get discharged with out the lender. Now we have been in forbearance up until now. Can they report negative information 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 2021-08-12 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Media Collections, Inc
State: MD

Complaint narrative:
Joseph Mann and creed have contacted me twice at work now. The first time of contact was on XX/XX/21 around XXXX. My job is for XXXX XXXX. Its a XXXX XXXX. They call there asking to speak to me. First thing is first I dont owe anyone any money to begin with. Second you cant call an XXXX XXXX to collect a debt. I told them to stop calling in shorter terms. They have again called at my place of employment on XX/XX/21 at XXXX. This needs to be taken care of and stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Dear, CFPB representative my name is XXXX XXXX I am on SSD. I live at XXXX XXXX XXXX. My family ( my XXXX  and two grand children ). and I were effected by covid-19 this was a hardship. my XXXX  lost employment and had to stay with me from XX/XX/XXXX to XX/XX/XXXX. 

I fell behind on my mortgage the servicer Select portfolio Servicing acct # XXXX I requested mortgage assistance and forbearance was given for three months. 
i had to file Bankruptcy and now I am facing Foreclosure. 
I request mortgage retention ( Principal reduction ) I get {$1500.00} in SSD and I have a room rented at {$500.00} a month. 
the Servicer stated there is no modification or retention available. 

Can I recieve mortgage relief from American relief due to covid -19? 
or Reduction in mortgage so I wont be homeless. 
prior to covid -19 I purchased home in XXXX at {$230000.00} put {$46000.00} down bring mortgage to {$180000.00}. 
I was locked out of home for three years in XXXX a ZOMBIE FORCLOSURE the mortgage was {$170000.00}. 
in XXXX Select portfolio added three years of mortgage to the end of loan bringing the term to {$310000.00} which included a {$650.00} escrow monthly payments of {$1300.00}. 
now I owe {$320000.00} on this mortgage. 
I was denied modification and retention XXXX XXXX. 

please help me stay in my home I am american I worked 25 years and now XXXX on a fixed income I just dont want to be homeless. 

can you contact them to see if a Principal Reduction can happen/ help?. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC has been reported for attempting to open a credit card without permission. In early 2021, the company responded to the CFPB complaint assigning XXXX XXXX XXXX to the complaint. She responded with emails and calls till XX/XX/2021 and then suddenly I have not been able To get any response from her or managers. 

The issues were : Opening a credit card, application to the 2nd draw of PPP loans after receiving the 1st draw and timely mortgage payments made during Covid which were not being tracked by the bank :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: The Bureaus, Inc.
State: TX

Complaint narrative:
Please remove the accounts I have listed here. These companies have had more than 90 days, which I have given them more than enough time and 3 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Some of these companies send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a Gap card issued through Synchrony Bank. My account was in good standing but closed due to what they called an unfavorable score on my credit report. Prior to the pandemic my accounts were all in good standing and most are still today. This has shown up on my credit report which now further affects what is deemed my creditworthiness for a situation that was completely out of my control and an account that has always been in good standing.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax does not report accurately. Its the only credit reporting agency reporting numerous inaccuracies with my credit. Also they dont even update or report accurate last time that reported was XX/XX/2021 it is XX/XX/2021! They have a repo from XXXX wasnt mine everyone else deleted but them. They have not update all my cards and XXXX  balances. They have inquiries in my account I have sent letters asking to remove or provide me proof they havent. I have only received 1 generic letter from them out of the 5 I have sent. They are reporting 2 address that arent even mine nor not even on my other reports! They need to be held accountable. 
This is my final ask for help and I am taking it to court. I have rights and they are in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Please remove LVNV Funding Account # XXXX. This company have had more than 90 days, which I have given them more than enough time and 3 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Some of these companies send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing XXXX XXXX XXXX XXXX  on my XXXX  and Equifax report for over a year now. Each month they are reporting 2 separate accounts for the same lease. XXXX and XXXX. I have contacted original creditor the true balance and they have added on about XXXX dollars to the bill. I have asked several times for them to validate the debt but they never send me anything. The Date of First Delinquency XX/XX/2019 is not correct they have RE_AGED the accounts, Also XXXX XXXX XXXX XXXX is reporting these amount each month past due. Collections can have balance but no Past Due Amounts or Payments. My rights have clearly been violated and I want these 2 accounts Delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have send over 5 requests to Transunion They are not updating my report or removing inaccuracies- They have not given me a copy of my report. They sent 1 generic letter!

They are the ONLY reporting agency reporting these!

Reporting inaccuracies XXXX - says Im a co-signed on a count never provided proof of debt validation XXXX XXXX Ac

count- has a person same name with a totally different sob and social from me and still reporting the fraud XXXX- states a late payment it it was paid off early in full never was late ever!

The inquires attached were done without my consent. Signature or acknowledgment and they wont remove after contacting them three times they have failed to protect my rights by law and harming my score and credit account with inaccuracies they also have not update XXXX XXXX on accounts that have XXXX XXXX since XX/XX/2021 I want them held accountable

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have send over 5 requests to Transunion They are not updating my report or removing inaccuracies- They have not given me a copy of my report. They sent 1 generic letter!

They are the ONLY reporting agency reporting these!

Reporting inaccuracies XXXX - says Im a co-signed on a count never provided proof of debt validation XXXX XXXX Account- has a person same name with a totally different sob and social from me and still reporting the fraud XXXX- states a late payment it it was paid off early in full never was late ever!

The inquires attached were done without my consent. Signature or acknowledgment and they wont remove after contacting them three times they have failed to protect my rights by law and harming my score and credit account with inaccuracies they also have not update zero balances on accounts that have no balance since XX/XX/2021 I want them held accountable

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XXXX of 2017, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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 recently found out that I am a VICTIM of Identity theft and that there are several fraudulent items on my credit report that doesn't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your 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 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A charge of {$240.00} was made to my Credit card account on XXXX XXXX. I became aware of the fraud when I received a box of XXXX pills in the mail. I called synchrony Bank and found out the charges were made on this account. I also found out 2 other fraudulent charges were also made. I was the victim of fraud/identity theft and did not make/ authorize any of those charges. Synchrony Bank did not say anything about me returning or keeping the product, but I did attempt to. I was unusable to locate an address for return, but found a phone number on the invoice. When I called it I was told they were a distributor of many products and would need more information from me. As my identify/information was already compromised, I refused and hung up. Since I was unable to return the product and was distraught, I threw the pills away. The bank did open up a claim review, but is holding me liable for the purchase of the keto pills as the purchased item ( s ) were shipped to your address and you authorized, participated in, or benefited from the purchase. Yes it was sent to my home, as this was part of the stolen information, but in no way did I authorize, participate in or benefit from the purchase. I would never take such an item! I explained this to them. I am being victimized twice! Once by the fraud and once by the bank who is suppose to protect my information and me from fraudulent purchases.

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