vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 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: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I applied for forbearance on both of my accounts and they were approved from XXXX to XX/XX/2020. In XXXX, at the end of the forbearance, I came to an agreement with the loan Servicing company and went into a repayment plan. So I don't understand why both of my accounts were reported as late which is not right. 
Do you know why your company reported my account as late on all 3 credit bureaus? Do you know why both of my accounts haven't been updated on all 3 credits bureaus? I have been making payments arrangements since XXXX of this year and it shows up on all credits bureaus. I need the late report removed from my credit report on all bureaus and all payments made so far for the months I paid after forbearance updated. The fact that you reported my account late when we both agreed to a payment arrangements is a violation of the care act and against the law. 

I'm currently applying for a SBA loan to purchase a business and out of the blue the 2 reporting made by your company just dropped my credit score which is hurting my chances of getting approved for the loan. I will most likely lose money if this issue is not fixed asap. I'm pretty sure they is a way to get this issue fixed right away instead of having me wait 45 days when per our agreement, this should've never happened in the first place. Now you're telling me to wait up to 45 days risking losing my deal? This is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NE

Complaint narrative:
I have disputed a paid invoice from XXXX  since last XXXX. My bank statement reveals that XXXX was paid in full on XX/XX/XXXX and the direct payment was cashed. I sent copies of the bank statement and a support letter from my bank, XXXX XXXX XXXX XXXX XXXX. My bank has repeatedly offered to send verification via a secure fax. XXXX  wouldn't provide a legitimate fax number and my account with them was closed. Numerous calls were ignored. 
They then turned my already paid balance over to a collection agency. Credence Resource Management. I also sent them copies of my bank statement and the supporting letter from my bank. I again offered to send them the additional information from my bank via secure fax and they wouldn't respond either. 
This paid debt was put on my credit record and my credit score dropped nearly XXXX points. I have tried everything possible and my attempts at reconciliation have been ignored by both XXXX  and Credence Resource Management. 
I can prove that the debt was paid on XX/XX/XXXX but no one seems interested that the invoice was already paid. My bank remains waiting for a legitimate fax number for confirmation..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 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: LA

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX, XXXX # # # # # # # # # # # # # # # # XXXX {$1500.00} XXXX XXXX # # # # # # XXXX {$260.00} XXXX XXXX XXXX XXXX # # # # # # XXXX {$730.00} XXXX  XXXX XXXX # # # # # # # # # # # XXXX {$1900.00} XXXX XXXX # # # # # # # # # # # XXXX {$660.00} Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX M XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, LA 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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2020 I disputed an inquiry on my credit report ( XXXX  ) with Capital One Auto Finance for an inquiry dated XX/XX/2020 but they have failed to respond. So I was able to uncover what company ( XXXX  ) the inquiry originated from with Capital One Auto Finance and obtained a document that request the removal of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: IL

Complaint narrative:
In XX/XX/2020, after making my monthly XXXX mortgage payment ( VA loan ) for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance  on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement XXXX is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to the end of my loan. I made a normal payment for XX/XX/2020 ( the amt I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID 19 and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account.

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.

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 2020-10-16 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: IL

Complaint narrative:
In XX/XX/2020, after making my monthly XXXX mortgage payment ( VA loan ) for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance  on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement XXXX is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to  the end of my loan. I made a normal payment for XX/XX/2020 ( the amt I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID 19 and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account. 

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/2020, after making my monthly XXXX mortgage payment ( VA loan ) for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement XXXX is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to the end of my loan. I made a normal payment for XX/XX/2020 ( the amt I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID 19 and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account. 

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.

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 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I refinance my mortgage with Navy Federal Credit Union on XX/XX/2020 with the interest rate of 3.375 % 15 year fixed. My account information reflects a higher interest rate than what I agreed to in the closing documents. I have contact Navy Federal to correct the issue but there has been no resolution on 2 weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I applied for forbearance on both of my accounts and they were approved from XXXX to XX/XX/2020. In XXXX, at the end of the forbearance, I came to an agreement with the loan Servicing company and went into a repayment plan. So I don't understand why both of my accounts were reported as late which is not right.

Do you know why your company reported my account as late on all 3 credit bureaus? Do you know why both of my accounts haven't been updated on all 3 credits bureaus? I have been making payments  arrangements since XXXX of this year and it shows up on all credits bureaus. I need the late report removed from my credit report on all bureaus and all payments made so far for the months I paid after forbearance updated. The fact that you reported my account late when we both agreed to a payment arrangements is a violation of the care act and against the law. 

I'm currently applying for a SBA loan to purchase a business and out of the blue the 2 reporting made by your company just dropped my credit score which is hurting my chances of getting approved for the loan. I will most likely lose money if this issue is not fixed asap. I'm pretty sure they is a way to get this issue fixed right away instead of having me wait 45 days when per our agreement, this should've never happened in the first place. Now you're telling me to wait up to 45 days risking losing my deal? This is not fair.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I applied for forbearance on both of my accounts and they were approved from XXXX to XX/XX/2020. In XXXX, at the end of the forbearance, I came to an agreement with the loan Servicing company and went into a repayment plan. So I don't understand why both of my accounts were reported as late which is not right.

Do you know why your company reported my account as late on all 3 credit bureaus? Do you know why both of my accounts haven't been updated on all 3 credits bureaus? I have been making payments  arrangements since XXXX of this year and it shows up on all credits bureaus. I need the late report removed from my credit report on all bureaus and all payments made so far for the months I paid after forbearance updated. The fact that you reported my account late when we both agreed to a payment arrangements is a violation of the care act and against the law.

I'm currently applying for a SBA loan to purchase a business and out of the blue the 2 reporting made by your company just dropped my credit score which is hurting my chances of getting approved for the loan. I will most likely lose money if this issue is not fixed asap. I'm pretty sure they is a way to get this issue fixed right away instead of having me wait 45 days when per our agreement, this should've never happened in the first place. Now you're telling me to wait up to 45 days risking losing my deal? This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
A couple of years ago a XXXX XXXX card I had got charged off. Only {$300.00}, no big deal. Until last month, I started getting letters and calls. Okay, thats fine - understandable. What is not understandable is for them to call my Dad and ask him for my whereabouts and informed him about my debt. This has got to be illegal. The company is Radius Global Solutions LLC.

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 2020-10-16 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: CA

Complaint narrative:
Adverse accounts are to be removed 7 years from the FIRST DATE of Delinquency. On my Trans Union Credit Report, XXXX XXXX  should fall off in XX/XX/XXXX as the first date of delinquency was XX/XX/XXXX. I can provide proof if required. Trans Union states it will be removed 7 months AFTER that in XXXX of XXXX. It should be corrected to reflect XX/XX/XXXX. I've contacted TU multiple times on this to no avail.

5 accounts were Charged Off yet still show a balance due. I believe my report should reflect a XXXX balance due given the accounts were charged off. The 5 accounts are : XXXX XXXX ; XXXX XXXX ; XXXX  ; XXXX ; XXXX. I've contacted TU multiple times on this to no avail.

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 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received a credit card offer in the mail from Wells Fargo Bank, and filled out a online application on XX/XX/20. They called me a few days later and said they needed me to go to a bank branch and show them 2 pieces of mail with my name and address on them and my drivers license, which I have never had anybody ask me to do before. But I went to the branch on XX/XX/20 and talked to XXXX XXXX and he faxed my papers to the credit card center, on XX/XX/20 I got a letter from them saying they would not offer me a credit card because my identity could not be verified. I have a 50 year perfect credit record I have never been turned down for anything. My application # is 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 2020-10-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I disputed charges and Bank of America credited me the money only to turn around and close my whole account. Doing that also messed up my Unemployment claim and now i have 4 checks in the air. BOA did not even give me a chance to plead my case and show it wasnt me who made charges. Now they wil not talk.

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 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CO

Complaint narrative:
I called to settle a debt in the amount of {$570.00}. I asked if I paid the debt, if the negative remarks could be removed. He said they would absolutely remove the negative marks once I paid the debt in full. I then asked for that in writing which he refused. I then asked for a statement of my debt for verification. He also refused. When I expressed reluctance to pay him money without a financial statement of my debt, the debt collector threatened that if I did not pay immediately that his " one time offer " to delete it off my credit was off the table. He states " once you hang up the phone I can't help you because this one time offer is only good on the first communication, after that it is void " This quite honestly seems like an unfair practice to collect a debt. I have rights to receive a written statement of my debt which he refused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ORG GC GP BUYER, LLC
State: AR

Complaint narrative:
GC KEEPS CALLING MY CELL FOR FAMILY MEMBER XXXX XXXX, SKIP TRACING ETC ...

Company response to consumer: Closed with explanation