vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 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: CA

Complaint narrative:
I was alerted that there were substantial changes to my credit report, reading 2 late payments on my XXXX XXXX Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with XXXX XXXX Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX  corrected the mistake ( XX/XX/2020 ). I contacted XXXX XXXXXXXX again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX bank account onXXXX and the XXXX   XXXX credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX account and credit card statements from XXXX XXXX showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their XXXX XXXX Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with XXXX XXXX and 2x already with XXXX, 1x with XXXX and 2x with Equifax I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost XXXX. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: CA

Complaint narrative:
I was alerted that there were substantial changes to my credit report, reading 2 late payments on my XXXX XXXX Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with XXXX XXXX Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX corrected the mistake ( XX/XX/2020 ). I contacted XXXX XXXXXXXX again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX bank account onXXXX and the XXXX   XXXX credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX  account and credit card statements from XXXX XXXXXXXX showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their XXXX XXXX Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with XXXX XXXX and 2x already with Experian, 1x with XXXX and 2x with XXXX I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost XXXX. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.

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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. I have a mortgage through Bank of America ( originated with Countrywide Homeloans ) ( Acct # XXXX ). My mortgage has faithfully been paid via allotment from my retired pay by the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ). 

Bank of America ( after several calls ) informed me that they no longer accept allotments from XXXX, effective XX/XX/2020 ( NOTE : they did accept my XXXX XXXX, 2020 payment ). I don't recall receiving notice of this change, but I certainly could have missed it and don't dispute that element of the story. 

Payments were made by XXXX on XX/XX/2020 and XX/XX/2020 in the amount of {$1400.00} each. Neither payment was posted against my mortgage, thus leaving me 2 months in arrears. I will send a check to cover those two months, but the {$2800.00} is lost. Bank of America says that XXXX should have it ; XXXX says they sent it and it has not been returned. Bank of America claims that XXXX XXXX XXXX XXXX  acts as an intermediary for XXXX and that the money was not forwarded to them. XXXX says that they don't work through an intermediary bank and that allotments are sent directly to the bank as requested by the retiree. No one I speak with seems to have a clue. Bank of America does admit to a major change in their mortgage system beginning in XXXX of this year. 

I need help!

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My wife is currently unable to work full-time due to our children being in hybrid schooling because of the covid pandemic. I reached out to Comenity bank because we are struggling as she used her unemployment due to a previous lay off due to covid she has very little income. They are refusing to help us at all with our payments, I have 3 credit cards through them, XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX XXXX. They will not give any help. There is no way feasible at this time that I am able to pay these credit card payments at this time. I only asked for the one month we missed last month on both and the one we can not make this month, they will not help. This is unacceptable in times like this that they are so uncaring and heartless toward their customer 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: STERLING BANCORP
State: CA

Complaint narrative:
This is a complaint against Sterling Bank for their failure to recognize me as power of attorney, despite multiple attempts to communicate with them and provide them with the appropriate documentation. 
In early XXXX of this year, I discovered that it was necessary to begin helping my elderly aunt with her financial affairs by activating my role as power of attorney ( POA ) on her behalf. Some years ago, she had given me a list of all the financial institutions she did business with. XXXXXXXX XXXX at the XXXX XXXX in New York, was among them. I discovered that XXXX had merged with Sterling Financial, so I called Sterlings 800 number on XX/XX/XXXX to make sure that my aunt did in fact still have accounts there and find out what I would need to do to demonstrate that I had POA in order to gain access to them. I was told that I had to submit via snail mail to Sterling 's Transaction Processing Dept. my  aunts General Durable Power of Attorney document. I did that the next day, XXXX XXXX. After nearly three weeks of not receiving any response, I called Sterling 's 800 number again ( on XXXX XXXX ). The representative I spoke to asked me for information about the account ( s ), including the account numbers and my aunts social security number, then placed me on hold for about 10 minutes. When she returned, she told me she couldnt see " on her screen '' any record of the documentation I had sent but said she would reach out to Sterling 's legal department and then call me back. A week went by, but I did not receive any callback. On XXXX XXXX, I sent a letter complaining about this issue to two members of the executive management team : XXXX XXXX, the president and CEO ; and XXXX XXXX, the senior executive vice president & corporate banking president. I have not received any response.  Over a month has elapsed now since my initial outreach to Sterling on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: LA

Complaint narrative:
I paid a debt with Paramount Recovery for {$650.00} for my account to be deleted but its not on my credit and every time I called they say its been reported but the credit bureaus say they havent reported it since XXXX and its holding me up from buying my home..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA is reporting a debt of {$17000.00} with a date of last activity of XX/XX/XXXX. In accordance with Texas Law they have gone beyond the statute of limitations to legally collect the debt and made no effort to do so. They continue as of today to report the debt on all three credit reports. This is reporting of zombie debt, a violation of FCRA and Texas Law. I sent them a letter on XX/XX/XXXX demanding the cease reporting the debt and delete it from my credit report. They refused to comply and continue to report the debt in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I requested Barclays Card Co. to pay me back {$140.00}. But they never do it. It forced me to file complaint to your CFPB office.

However I never get any answer from your CFPB office Nor any answer from Barclays Card Co. WHY my case was closed very unfairly?

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 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet Equifax and XXXX  are still reporting some of them. Equifax in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: FL

Complaint narrative:
PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, EQUIFAX REFUSES TO INVESTIGATE BY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I SUBMIT COPIES OF MY DRIVER LICENSE, LEASE, PROOF THAT MY INFORMATION HAS BEEN COMPROMISED ON THE XXXX/XXXX  WEB, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

EQUIFAX IS VIOLATING FCRA PRACTICES. THE FRAUDULENT XXXX XXXX ACCOUNT WAS ONCE DELETED AND ADDED WITHOUT PROVIDING ME WITH REQUESTED VERIFICATION OF OWNERSHIP. ADDITIONALLY, THE XXXX  XXXX XXXX  IS NOW REPORTING ON MY ACCOUNT AS A " NEW COLLECTION ''. 
AS SUCH, PLEASE DELETE THESE FRAUDLENT ACCOUNTS FROM MY REPORT IMMEDIATELY. AND AS FOR THIS NEW COLLECTION, I HAVE NO IDEA WHERE IT IS COMING FROM!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: MN

Complaint narrative:
Repeated calls to my employer issued cell phone number, and my work telephone number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have been a victim of identity theft. American Express was one of the accounts opened by someone using my information. The truncated account number on the bureaus is XXXX. I disputed this as a fraudulent account to the credit bureaus. NOTHING WAS DONE. I received no communication from Amex regarding fraud procedures. It was handled like any other dispute. This is a violation of federal law. 

The account shows an open date of XX/XX/2016. It has a high balance {$1300.00} and an existing balance of $ XXXX..with ONE MONTH OF ACTIVITY and charged off. According to investigators, this is the classic example of how a fraudulent account looks on the bureaus. 

If AMEX does nothing about this ... DOES IT JUST END THERE? 

CFPB needs to publish the glaring inactivity regarding fraudulent accounts by AMEX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: OH

Complaint narrative:
This is in relation to Capital Accounts LLC, address showing on my XXXX  credit report is XXXX XXXX XXXX, XXXX, TN. Phone number XXXX. 

I saw a collection account on my credit report for the amount of {$660.00}, owed to XXXX XXXX. This was surprising to me, as I had only ever in my life been to one XXXX, and it was one located 2 miles from my house ( XXXX is located in XXXX, OH - a place I have never been ). Clearly this account was not mine so I contacted Capital Accounts to have it removed from my credit report. 

When I first called on XX/XX/XXXX at XXXX ET, they could not locate me based on my information - name, social security number, date of birth, phone number, etc. This should have been a red flag for them but they required me to go back to XXXX to get the unredacted account number for their own collections account. This was an inconvenience but there was no other way to proceed, so I did so. 

I then called Capital Accounts LLC back on XX/XX/XXXX at XXXX ET. I gave the representative ( XXXX? ) the account number and she asked me again for my personal information, which she indicated did not match what they had on their side. Again, this should have been a red flag for them but they indicated they would contact the client ( XXXX XXXX ) to figure out what went wrong and that they would call me back on either Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at the latest. 

Having not heard from Capital Accounts, I called them at XXXX on XX/XX/XXXX to check the status. The representative on the line was rude and told me I would " just have to wait until they called me back ''. He then proceeded to rudely hang up on me. 

After this call, I decided to directly call the XXXX in question ; the lady there was very receptive, quickly identified that the account was not mine, and agreed to reach out to Capital Accounts to have the issue corrected. 

My complaint here is that Capital Accounts LLC wields a fair amount of power in placing collections onto people 's credit reports ; an errant entry there can wreck a consumer 's credit score and cause real damage ( monetary and otherwise ) as a result. I felt that Capital Accounts LLC was disorganized and unwilling to assist a consumer who clearly had been incorrectly tied to a collection - all of that on top of their lack of diligence in the first place in terms of how they tied the collection account to me ; it appears they did nothing more than look for XXXX XXXX ( a fairly common name ) born in the same month and year as I, and grabbed the first person they saw ( or perhaps grabbed the first one with an excellent credit score ). This company needs to fix their processes or, failing that, should be shut down. I sincerely hope that no other consumer has to go through what I went through here.

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 2020-10-14 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
We are under contract to sell our boat, which is financed by Flagstar Bank. We need a 10 day pay off figure. We called. Waited nearly 20 minutes, were told they do not give pay off amounts over the phone. WHY? They mail them. It will take 5-7 business days.

We just want to pay off our loan. Our payment history is impeccable. What if our buyer backs out because he doesnt want to wait? Why cant they tell us what we owe them? 
I call 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 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
State Farm is over charging me for the prepayment penalty fee and do not want to refund us for the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In response to my last 3 complaints XXXX, XXXX, XXXX, Experian responded Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request So I am asking now, what proof of Identification does Experian need to take action per my request? And take in consideration that I am homeless at this time so a utility bill is not a option unless they want an outdated one, and I do not want direct contact with Experian, I want everything going thru CFPB because Experian have proven they are not willing to be fair or impartial in their investigation. I have stated numerous times that I XXXX XXXX is initiating this complaint and no one else is doing this on my behalf.

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