vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I currently have a VA Mortgage Loan serviced by Wells Fargo. On or about XX/XX/20, I applied online and was approved for a three month loan suspension due to Covid-19 impact on our finances. On XX/XX/20, I decided I was still going to be able to make the monthly payments and called Wells Fargo and cancelled the loan suspension and reinstated the monthly payments. It should be noted that I had already made XXXX 's payment and XXXX was paid on time thus, I never missed nor was I late on any mortgage payment. However, in XXXX and prior to the next payment being due, Wells Fargo reported to the Credit Bureaus that my loan was in Forbearance. 

I have requested this to be removed from my credit reports and Wells Fargo has indicted they will report my loan as no longer being in forbearance. However, they can not give me an answer as to how long it will take. 

I am currently trying to do a VA streamline refinance but, I am precluded from proceeding while that is noted on my report. Thus, I could incur some financial harm especially if rates go up before I can proceed. 

My main concern/complaint is : Does the mortgage servicer have the legal right to report that a loan is in forbearance prior to the next payment being due or before the consumer has missed a payment? 

It appears that Wells Fargo is arbitrarily reporting forbearance to the credit agencies as soon as they are approving the loan suspension and not waiting until the suspended payment period begins. 

Do they have the authority to do this? 

Additionally, Wells Fargo did not provide any information to indicate that they would report such information.

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union cost me a job in the past for including incorrect information on my report. Now they are playing with my credit score because they know I am a women own a XXXX  applied for the sba loan and they work hand in hand. My score dropped to a 400something which I have never had in my life with the other credit companies have my score 130 points at least higher. They are always unavailable for any disputes. You can not send them letter they do not respond and now they claim to be busy. I have worked on their XXXX XXXX and they sare information sell information that americans have no clue about and just trust any company. Just like the covid being treated wrong and because of american greed trans union reports wrong information. I am in control of my information not them and they better remove XXXX XXXX XXXX   etc and all of my late payments. It is incorrect - and I have never been late on any accounts - also inquiries which car dealerships did with out my approval next to complain about - My XXXX lease came to end PAID on time - I purchase dthe car from XXXX  ... .no inquiries necessary from any vendors Remove everything late and you better get my credit score to where it should be crooks! You are not playing with me just because I applied for my business for the sba and yes you are in cahoots! Trans Union needs to be audited! how they misuse the information not the first time! Their data is not secure they use legacy equipment they do not do backups ... .etc etc

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 2020-05-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2020 I noticed several entries placed BACK on my XXXX   credit report after being removed ( some years earlier ). The items were basically sold to another company and re-reported. XXXX  has since removed these entries, but XXXX  and XXXX  have refused to comply. Additionally, I've provided all 3 credit reporting agencies with my State Issued REAL ID and Social Security Card which provides my full name : XXXX XXXX ... not XXXX XXXX or XXXX XXXX, as we all know that state issued REAL IDs are the equivalent of a United States Passport ; therefore there should be no confusion as to which accounts are mines and which are not. I've asked them to remove anything that doesn't provide my name as XXXX XXXX. Lastly, XXXX  has placed a message on my credit report as of XX/XX/2020 that asks any creditor to call me and have provided no phone number to do so, all while still allowing creditors to access my report -- resulting in a lowered credit score!!!!! This " trick '' resulted in a creditor auto-denying my credit application, although they allowed a hard pull to be completed against me resulting in my score being lowered ( DAMAGINF ME AND MY ABILITY TO OBTAIN CREDIT ). The company advised me to have it corrected with them and then I can give them another approval to have them pull my credit for a second time ( RESULTING IN AN EVEN LOWER SCORE AND LIKELY A DENIAL FROM THE PREVIOUS HARD PULL ). This " message '' on my credit does not qualify as a fraud alert, as the credit report is not frozen -- yet this message was not requested to be added to my report by me and is causing me damages. I have expressed to all of the credit bureaus not to lock or add fraud freezes to my account without my knowledge and a personal request to do so. Is that so hard to comply with?? 

I was applying for an auto loan refinance, with a XXXX credit score on XX/XX/2020 ( along with 100 % exceptional payment history with USAA ( I have car loans, auto insurance, renters insurance and credit card with USAA ). It makes absolutely no logical sense to me how my own creditor can act as though they do not know who I am or as though they are unable to verify who I am while I'm on the phone with them and as soon as my credit report was pulled I'm being notified by XXXX  of the hard pull from USAA and change to my account. This is a horrible way of sneaking high interest rates and ensuring they are being passed over to consumers in an already horrible climate for credit decisions, while many people are out of work and their credit is suffering. 

I REFUSE TO SUFFER DAMAGES BECAUSE OF UNLAWFUL, UNETHICAL, AND UNFAIR BUSINESS PRACTICES!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, EQIFAX refuse to abide by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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:
I filed a dispute with transunion on XX/XX/XXXX and XX/XX/XXXX with transunion According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, I never receive correspondence from transunion

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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I opened a platinum credit card account with American Express beginning XX/XX/XXXX. During the application process I apply for the Military Lending Act ( MLA ) in which I am continuously getting denied. I have been in XXXX XXXX XXXX  since XX/XX/XXXX with a current expiration term of service of XX/XX/XXXX. I have contacted all the government agencies in regards of this matter and in every system they look I am on XXXX XXXX. Since I opened the account with American Express I have file many disputes to solve this issue without any luck on resolving the matter. I have attached all the military orders showing proof of my status as well as statements from the credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: PA

Complaint narrative:
EQUIFAx FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: Synovus Bank
State: GA

Complaint narrative:
During the year 2018, I was having financial crisis. A credit card company named First Progress was reporting late payments on my credit report. They reported that I was late on the months of XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. This is impossible, because I had auto-pay setup on this account. I for sure have paid on time with this company. I have disputed these late payments for years now, and they have not budged a bit to help this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Account number XXXX In their dated XXXX they informed me that they a sent a request to TransUnion to delete the XXXX Account number XXXX. TransUnions has not deleted this account from 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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: NC

Complaint narrative:
On XX/XX/2020 I signed up for this card. I made the yearly fee on {$39.00}, I deposited {$300.00} in the account and also paid a rush fee of XXXX to receive the card sooner. The transaction has been stuck on processing since. There is a contact number, but no way to speak with an actual person. It has now been 15 days and I don't have a card nor my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: PA

Complaint narrative:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

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 2020-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a complaint with the CFPB ( # XXXX ) against Capital One. Capital One 's " response '' was another form letter showing that my earlier letters were not even read.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: IL

Complaint narrative:
I filed a dispute with Experian on XX/XX/XXXX and XX/XX/XXXX they never responded to my dispute according to 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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
JPMORGAN CHASE CREDIT CARDs Bad Business Practice - Price Gouging evening during the worst of time! 
Lost job and spent 2 hrs on the phone attempting to renegotiate old debt into a sustainable pmt by reducing % & min pmt amount. Finally got a hold of their hardship dept to work out a new pmt plan. According to their program, avg interest rates are LOWERED between 6-12 %. BUT due to the fact that I lost my job, they offered NO REDUCTION IN EITHER INTEREST RATE OR MIN PMT DUE. But they did transfer me to XXXX XXXX, stating that this is the " ONLY '' debt company they work with to reduce the interest rate to 6 %. XXXX XXXX was more than willing to take on my debt at 6 % but adding another {$1000.00} of fees to my debt amount. Considering this unprecedented challenge that we're trying to survive, I feel it's in everyone 's best interests to record an official complaint about JPMORGAN CHASE bad business practices & unwillingness to lower my interest rate to a more sustainable pmt structure. Steer clear of all their fancy marketing promotions & free miles - which I never received by the way. I've literally paid more in interest to JPMORGAN CHASE than the amount of the original debt, over the past 10+ years and still owe them almost {$10000.00}. I haven't used either card in almost as long. I'll be dead before this amount is ever paid off. Can someone with AUTHORIZATION to assist this dire uncooperative situation please work with me to reduce % rate so that pmt amount applies to principle, without adding more debt? Thank you for your immediate attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I scheduled my monthly mortgage payment for Caliber Home Loans. Caliber has an antiquated system for taking my payment and took the payment late. By taking it late, they filed a late payment charge with all my credit companies. I called them numerous times to point out this was their fault not mine and had proof of such fault in email which showcased I put the payment in on XXXX XXXX to pay Caliber on the XXXX ( when payment was due ). Caliber has been extremely rude with this situation. I've had their customer service swear at me, state this is my problem and that I should have known it would take them days to process my payment. This didn't add up so I filed disputes with my credit companies but Caliber has won them every time. I hired a law firm who was able to get one of the credit companies to remove the mark but the other two credit companies : XXXX and XXXX  still have this mark on my credit history. In addition, the law firm was in constant contact with Caliber for over a year and Caliber continued to send actual mail to me stating that they reviewed everything and they're right I'm wrong. But over the past year, they continue to call me and send me emails and snail mail about refinancing my mortgage etc. Therefore, they want my business but they're unwilling to admit they were wrong and in the process have ruined my credit life. 

I have email proof I paid this payment on time, scheduled it on time and that Caliber took to long to process this payment. That's not my fault they don't have the capability to process payments on time. Banks can take a check deposit within seconds of us uploading the check so why does it take Caliber 1-3 days to process a payment? And why are they so adamant on not fixing this situation and admitting fault? It's ruined my credit for no reason besides their incompetence. It's hurting my family and makes me never want to do business with them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: AR

Complaint narrative:
Disputed a bankruptcy that was on my credit report. XXXX  could not verify, so XXXX  deleted from my credit report. Equifax and XXXX   has not deleted this inaccurate, outdated information that is unverifiable. They only sent me a electronic admission stating it was verified, not wet signature verified, no info verified with the courthouse in which it was showing on my credit report, the court house said they specifically will not and do not share information to 3rd parties, or to any parties. I ask for this bankruptcy to be deleted from Equifax and XXXX. Started the dispute XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Sent a letter with my valid Georgia license and proof of address and asked that all other address not associated with me be removed, and they have not been removed therefore violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valentine and Kebartas, Inc.
State: NY

Complaint narrative:
Someone got my XXXX account information and used my XXXX account, Ive been trying all how to get resolved this with XXXX and they still behind me to pay this bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am a current mortgage holder with PedFed Credit Union. I am refinancing my loan with XXXX  XXXX XXXX. I have tried repeatedly to contact PenFed to stop my automatic payments and to make sure they have provided XXXX   with the payoff documentation to allow my refinance to close. Nobody is contacting me. I finally reached a person on the phone and she said that my emails from my home email address were not going through to her computer. Without an email from the address of record, she said they could not process my request. But, she did receive an email from my work email no problem. I'm in a Catch-22 and can't close on my new mortgage without their cooperation.

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent a letter with my valid Georgia license and proof of address and asked that all other address not associated with me be removed, and they have not been removed therefore violating my rights.

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent a letter with my valid Georgia license and proof of address and asked that all other address not associated with me be removed, and they have not been removed therefore violating my rights.

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 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
this debt has not shown me a signature that this debt is mines. This debt is {$200.00} and is stopping me from getting utilities for my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: GA

Complaint narrative:
Discover Bank is reporting a balance of {$280.00} on a closed credit car account. How can there be a balance on a closed account? The account was paid off years ago and this information they are reporting is inaccurate.

Company response to consumer: Closed with explanation