vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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 — Problem with personal statement of dispute
Company: Summit Financial Corp.
State: WY

Complaint narrative:
I applied for a loan XX/XX/XXXX and completely forgot about it. Within a week my dad committed suicide and things havent been so good. I tried to call and cancel it but it had already been approved. So now Summit Financial is deducting {$240.00} something like that out of my checking account every week. I am on a very tight budget now. I cant pay any bills or hardly put food on the table now. 
Im at my wits end with these people!! 
XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-01-15 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: MECHANICS BANK
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX Mechanics Bank XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ) created an unauthorized credit entry on my credit reports. After noticing the inquiry, I sent them a letter on XXXX XX/XX/XXXX requesting they remove this unauthorized inquiry. The company did not provide me with a document that I singed stating I gave them authorization to run my credit. They requested more information from me via letter on XXXX XX/XX/XXXX. I returned a certified letter with the information they requested on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NC

Complaint narrative:
XXXX XXXX  XXXX XXXX  Acct # XXXX - This account is inaccurate ; date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and should not be showing as last reported XX/XX/XXXX, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

You keep verifying this information, why is this not being properly investigated? Are you verify incorrect information each time I dispute? 

I want this delete off my 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 2021-01-15 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Dear CFPB, I am contacting you all, because I do not own the Amazon Store Card/Synchrony account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact XXXX XXXX directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from XXXX XXXX on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to Synchrony Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, 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 explanation
Consumer complaint received 2021-01-15 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: NC

Complaint narrative:
Transunion has failed to Address the reported XXXX  Account, shown in Exhibit C and B-1 XXXX has failed to remove the inaccurate accounts and inquiries in Exhibit C and Exhibit B-1 attached to the Affidavit of XXXX XXXX XXXX XXXX. This is the last and final attempt to rectify this matter before seeking civil action with the affidavit and evidence. 

Attached you will find the most recent credit report. XXXX  is largely unaligned and misreporting inaccurate information unlike their peers Transunion and XXXX. 

For additional damages and facts regarding the matter please the Attached affidavits. 

Pursuant to FCRA 611 ( a ) ( 7 ) XXXX  has not provided a description of methods used in investigations requested within 15 days. I requested to see a complete list of all documents and correspondence with all names and contact information of employees that you spoke to as part of this investigation. I requested if e-oscar was used please show verification for Metro 2 compliant data. 

I have not received any certifications of accuracy or copies provided for investigation of the named accounts and inquiries. 

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX  has not blocked the information as requested in the original letter meeting all the legal requirements and opted to ignore the request unlike their peers. XXXX  has not provided XXXX  is in violation by vicarious liability for False or Misleading Representations 15 U.S.C. 1692e, Furnishing Certain Deceptive Forms for Verification 15 U.S.C. 1692j, Unfair practices - 15 U.S. Code 1692f with reporting inaccurate information obtained by false pretenses. 

XXXX  did not abide by the listed inaccurate accounts FCRA 605B ( 15 U.S.C. 1681c-2 ) after I provided all the requirements, affidavits, police reports, and letters. No notification was provided to myself, the consumer regarding declining the block ( s ) of the requested accounts. 

Given the duration and frequency of notice regarding this matter XXXX actions are construed as willful noncompliance. 15 U.S. Code 1681n - Civil liability for willful noncompliance.

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 2021-01-15 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: TX

Complaint narrative:
A person other than me opened an count purportedly with XXXX XXXX XXXX Credit Card Company. The account is not mine. I have sent 3 notices under Section 609 FCRA demanding that XXXX XXXX provide to me certain documents mandated under Section 609 FCRA. It has been over 90 days since my demand under Section 609 FCRA and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation under Section 609 FCRA. XXXX  continues to allow the company to report the derogatory item all the while being in violation of Section 608 FCRA. In fact, XXXX  will not even allow for another dispute to be initiated even though XXXX  has failed to comply with Section 609 FCRA by not enforcing Section 609 FCRA with XXXX XXXX.. 

I am attaching notice of a lawsuit filed against XXXX by the FTC fir these very same violations. Neither XXXX  nor XXXX XXXX should be allowed to continue to violate the FCRA. I am also attaching XXXX Notice prohibiting another dispute. Additionally, XXXX  has an error problem on their document upload it does not allow you to upload the documents. 

It is within the jurisdiction of the CFPB to require both XXXX  and XXXX XXXX to comply with Section 699 FCRA. As of the submission of this complaint BOTH are in violation of the FCRA.

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 2021-01-15 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: TX

Complaint narrative:
A person other than me opened an count purportedly with XXXX XXXX XXXX Credit Card Company. The account is not mine. I have sent 3 notices under Section 609 FCRA demanding that XXXX XXXX provide to me certain documents mandated under Section 609 FCRA. It has been over 90 days since my demand under Section 609 FCRA and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation under Section 609 FCRA. XXXX  continues to allow the company to report the derogatory item all the while being in violation of Section 608 FCRA. In fact, XXXX  will not even allow for another dispute to be initiated even though XXXX  has failed to comply with Section 609 FCRA by not enforcing Section 609 FCRA with XXXX XXXX.. 

I am attaching notice of a lawsuit filed against XXXX by the FTC fir these very same violations. Neither XXXX  nor XXXX XXXX should be allowed to continue to violate the FCRA. I am also attaching XXXX Notice prohibiting another dispute. Additionally, Experian has an error problem on their document upload it does not allow you to upload the documents. 

It is within the jurisdiction of the CFPB to require both XXXX  and XXXX XXXX to comply with Section 699 FCRA. As of the submission of this complaint BOTH are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NC

Complaint narrative:
For XXXX  - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For Experian - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.

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 2021-01-15 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: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-15 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
which ever the bank name you are these days is showing MULTIPLE charge offs. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid. Your information is incorrect in ALL THREE BUREAUS. They must be the same. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I created an online account with experian to monitor my credit history. In XX/XX/XXXX I stopped receiving alerts but I did not panic. I figured there were changes to report by experian. On XX/XX/XXXX I attempted to log in to my experian account and my password was not accepted, therefore I submitted a requested to changed my password by clicking forgot password. The password was sent to an email address that does not belong to me, so I notified experian immediately. I began receiving correspondence from experian regarding the matter. I explained the situation and requested that the account be closed by experian. In XX/XX/XXXX I received a call from an experian rep name XXXX. I again explained to him what took place and asked him to close the account. Nothing has not been done. I am still asking experian to close the account because the identity thief/hacker has all of my personal information and has hacked my experian account and they refuse to close the account. Experian continues to request that I pay for credit monitoring alerts instead of permanently closing that account t and not allowing another account to be opened. Please force experian to close the account. I have all of the email correspondence with experian beginning XX/XX/XXXX to present.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been using chase bank for over 10 years. I went into my local branch and met with a banker about opening a credit card that had a 0 % introductory interest rate on balance transfers. The banker recommended the freedom unlimited card, saying it will will have 0 % interest on balance transfer and all purchases for 12 months. 2 months later I am getting interest on the balance transfer, which was the only reason I opened the card. So I call the customer service 1800 number and they tell me the interest is correct and the banker was wrong. They say there is nothing they can do and that I should go and talk with the banker. I schedule a meeting with the banker. Upon meeting with him he is perplexed when I tell Im about the interest charges. He makes some calls to corporate and they inform him that they just changed the card to exclude balance transfers on the introductory 0 % interest rate. He tells them that the information he pulled up on the card and the disclosure signed show N/A for interest rate on balance transfers during the introductory 12 months. They say there is nothing they can do. Ultimately neither corporate nor the branch manager made things right and I am still being charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo mortgage paused my mortgage payments without my consent and reported me to the credit bureaus. 

In XX/XX/XXXX, I called Wells Fargo mortgage customer services with a question on the property tax escrow in mind. I followed the automated prompt and chose the most appropriate option for my question, the I heard a prerecorded message saying I was enrolled in a 3-month forebearance program. I didnt know what a forebearance was so I hang up and called again. I got the same message so I gave up on calling. 

Months later, I realized the auto draft of my mortgage payments did not go through. This had never happened before since I had kept a balance of at least {$200000.00} in my bank account. I never paid attention to this draft since its been running smoothly for 6 years without any incidents. 

When I found out about it, I paid off the 2 missed payments. Later I decided its not worth the hassle, so I ended up paying off my mortgage. 

In XXXX I found out my credit score had dropped dramatically. I downloaded the report and saw that the two missed mortgage payments were the culprit. I started calling Wells Fargo mortgage. I called 4 times between XXXX and XXXX. I spoke to 5 departments and 8 representatives. 

The last two calls I was able to reach the executive office and they assigned a case manager. On my last call with the case manager she started lying to me about unable to reach me. I started telling her how many times Wells Fargo had lied to me about not knowing about the forebearance they put me on. 

This is not the first time that Wells Fargo had conned me. In the fraudulent case when Wells Fargo pressed their employees to steal identifies and open accounts for phantom customers, I was one of the victims. I never set foot in any Wells Fargo bank but was informed that they had an account in my name. I was then compensated a little money to close this account. 

So this case manager stated that they had never put me on a forebearance plan. Which they did and that caused the two payments not being able to go through. But they not only denied that but also reported the missed payments to credit bureaus and hurt my scores. 

I started researching if this is a common practice and found there are many other victims who have been suffering from the same problem Wells Fargo caused. Here are some links to class law suits : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: IN

Complaint narrative:
I called Franklin Collection Services XX/XX/21 I spoke to Unit Supervisor - XXXX XXXX Threatened to report me as refusal to pay and make sure it stays on my credit report as negative. Refused to let me speak and voice my concern about this report. XXXX was rude and told me it wasn't her problem. The efforts of my call were for debt verification and she told me she would not help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: DISCOVER BANK
State: PA

Complaint narrative:
Discover Bank is showing this account as a charge off with no payments being made for over 12 months. Payments are in fact being made in accordance to the agreement with their legal representation for the past 11 months. I have contacted their legal representative, and they stated that it is not their responsibility to report to the credit bureau, but Discover should be updating the reporting, and that they send them a monthly feed showing the account is actively being paid on for their records. Because of Discover not properly reporting to the credit bureau, my credit score has been negatively affected and almost cost me an employment opportunity. They need to have all of the payments I have made updated to my credit file and update the status from a charge off to active status and make any necessary to the score as well.

Company response to consumer: Closed with explanation