vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I am writing to complain about incorrect credit information which is appearing on my XXXX   credit report for a bank of america credit account. 

Bank of America on XX/XX/2020 reported my account as 30 days late to XXXX. This update flagged my account negatively and brought my score down by 45 points. 
I worked with bank of america to resolve the issue and have then correct it at their end ( I have a letter from Bank of America which confirms the correction ) .However the department within bank of america which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to XXXX. 

I also worked with XXXX to rectify this error by providing them supporting documentation from the bank but XXXX  needed additional confirmation from bank of america to remove deliquency and bank of america 's internal systems have not been appropiately synched and updated all the way through to reflect this error. 

I have been thrown in circles by both of these companies- XXXX and bank of america credit reporting department . Bank of america, on each call confirms that from their end the account is current and has never been late however bank of america 's credit reporting department which interacts drectly with the credit bureaus has been providing XXXX  information that account was 30 days past due in XX/XX/2020. 
This is a pure example of missing links in the process which bank of america uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. 

I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. 

I would like to request XXXX  to remove 30 day deliquency attached to my bank of america credit account and also appropiately update my score back. The day deliquency was posted, my score dropped by 45 points and I am hoping that it will be reverted. 

Looking forward to a resolve, I will be ahppy to provide any supporting documentation needed. 

Thanks

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 non-monetary relief
Consumer complaint received 2020-03-04 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: Home Point Financial Corporation
State: FL

Complaint narrative:
In XXXX, I was impacted by Hurricane Irma. My lender, Home Point Financial offered assistance by allowing me to defer payments on my mortgage for 3 months and then at the end of XXXX, allowed me to pursue a disaster modification. The disaster modification was finally completed in mid XXXX after many calls to confirm what was needed and ensure payments were made timely. Midway through XXXX, Home Point Financial also did some kind of reorganization which included changing their name. At one point in the 2nd quarter a mistake was made on all accounts going through a disaster modification ( this is per a representative I spoke too ) resulting in a lot of us being reported past due incorrectly ( we were in forbearance as the disaster modification was being processed and the forbearance was not taken into account during reporting ). I was told that credit reporting would be updated to reflect this is a mistake and took Home Point Financial at its word that it would be fixed. 

Fast forward to today, I noted a missed payment notification and traced it back to XX/XX/XXXX where apparently I was reported 60-89 days late despite being in forbearance during my disaster modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
XXXX has filed for bankruptcy and sold the mortgage to NewRez. 

NewRez has in turn sent a full page of fees that I never agreed to when I took the loan, including an extra {$3000.00} to pay off the loan in full. 

One of the reasons XXXX declared bankruptcy is that the government received so many complaints about them having made so many exploitative fees. While NewRez 's website for payments is in fact better, their fee structure looks much like XXXX 's before XXXX was hit with so many complaints and had to deal with the government. 

I seek relief from the government from these new and exploitative fees. I did not agree to them and NewRez should offer an alternative of allowing me out of the loan and home ownership if they want to modify the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For Experian I'm trying to figure out their method for investigation my recent and current disputes. According to the FRCA this particular verifiable documentation needs to be send to the consumer, but that contrary because the credit bureau ( s ) never presented this documentation on file. Because they process their records electronically, which is again contrary to what the law says what must be done. This law is based on 609 of the FCRA. 

For example a past dispute on XX/XX/2019 under Report Number :  XXXX Date Generated : XX/XX/2019. I disputed the 11 XXXX accounts in question. From those results 10 were updated while 1 was delete. So, I have to ask what info did Experian have documentation wise to remove 1 out of the 11 and still keep the remaining ones? Is Experian actually following the laws. 

If XXXX  deleted these accounts over a year ago. What information do you have that XXXX  didnt to support the allegation that these accounts are in fact mine, verified, and validated.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a credit monitoring site and was notified that Equifax was reporting a late payment with XXXXXXXX  XXXX however when I pulled the report it indicated that the payment was not more than two payments past due and does not even list when this supposedly happened. I have never been late with this payment and have no idea what Equifax would be the only bureau listing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: IN

Complaint narrative:
For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, XXXX, and Equifax ) and XXXX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact XXXX directly to VERIFY accurate information is correct and being reported to the bureaus correctly XXXX will send copies of old account statements. 

When asking the three bureaus ( XXXX, XXXX, and Equifax ) to VALIDATE that the items being reported by XXXX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking XXXX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus XXXX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, XXXX, and Equifax ) and XXXX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$19000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and is in good standing. In addition to the account being paid, the statute of limitations in Texas for reporting a collection is ( 4 ) years. It is a violation of the Fair Credit Reporting Act to report an account that is over ( 4 ) years old. I have attached additional documentation showing a different address of where I was residing when this account is being reported. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
in whole, I filed BK in XX/XX/2017, XXXX was the mortgage company at the time, the were supposed to reaffirm my mortgage loan with my attorney. I found out about 3 weeks ago that the loan was never reaffirmed at the BK filing/hearing in the courthouse, and XXXX transferred the loan to Freedom Mortgage. I have been making payments for 3 years to Freedom mortgage and they never reported any of the payments to the credit bureaus. so I have been going round and round with my XXXX XXXX Attornery, BK courthouse, mortgage company on the fact that reaffirmation was never filed, everyone dropped the ball, and the repercussion is, no credit reporting to the bureaus which means this has not help to rebuild my credit!!! and noone cares to fix this grave mistake, then I find out that due to no reaffirmation, legally speaking I am not responsible or obligated to even pay the mortgage because it was part of the BK filing discharge!!! but I have been paying for 3 years!!! I need serious help here ... .please assist or if you can refer an attorney of someone that can help me with this disaster!

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 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern : I am writing to lodge a complaint against CapitalOne Credit Card Services.  I have been repeatedly denied a higher credit limit over the eleven year period that I have been a customer of CapitalOne. As of the date of this my credit score is XXXX. I allege that CapitalOne is employing unfair business practices and a bias application model to arrive at credit decisions. This is supported by the fact that I have been a customer of theirs, and their predecessor, Orchard Credit Card, for eleven years. In that time I have been granted only one increase of {$100.00} to {$400.00}, then to a total available balance of {$3500.00}. Since my credit limit increased by a total of {$3100.00} when I was not using their credit card, then it stands to reason that they should grant an increase when I have been using my credit card more frequently. However, their decision states that I am not eligible for a credit increase due to Recent use of this account 's existing credit line has been too low. This is an arbitrary, prejudicial and contradictory statement, since I was granted a credit limit increase when I was not using this credit card, or when I used it with very little frequency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT #  XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not 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 non-monetary relief
Consumer complaint received 2020-03-04 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$19000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and is in good standing. In addition to the account being paid, the statute of limitations in Texas for reporting a collection is ( 4 ) years. It is a violation of the Fair Credit Reporting Act to report an account that is over ( 4 ) years old. I have attached additional documentation showing a different address of where I was residing when this account is being reported. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-03-04 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: FL

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: FL

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-04 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: FL

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Medical Company is trying to collect a debt that is not mine and it is still on my XXXX  credit report showing as closed but it is NOT MINE. 
I.C.System INC Acct # XXXX XXXX  XXXX XXXX {$600.00} Can you please have the credit bureau removed?

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 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL

Complaint narrative:
I have a home loan through Lakeview loan servicing llc and  make monthly payments on this mortgage of a little over {$1000.00} each month. Over {$300.00} are taken out each month for an escrow account ( property taxes and insurance ). The property taxes on this property were due before XX/XX/XXXX. Lakeview has failed to pay them. I have contacted Lakeview loan servicing llc 9 times since XX/XX/XXXX and spent countless hours on hold to get the run around and absolutely no where with them. Here we are 2 delinquent notices later ( XX/XX/XXXX ) and they have not paid property taxes out of escrow. They have told me multiple times on the phone that they would get them paid in 3 business days but they have failed to do so. In XXXX I faxed them the first delinquent notice with a letter and cover letter after they had requested me to do so. They still failed to pay it once they recieved it. They are taking my money each month and are failing to do their job and pay my property taxes in a timely manner. Attached are the documents I faxed them. 

Thanks, 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 2020-03-04 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: NY

Complaint narrative:
Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX XXXX XXXX credit account. 

XXXX XXXX XXXX on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 45 points. 
I worked with XXXX XXXX XXXX to resolve the issue and have then correct it at their end ( I have a letter from XXXX XXXX XXXX which confirms the correction ) .However the department within XXXX   XXXX XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. 

I also worked with experian to rectify this error by providing them supporting documentation from the bank but experian needed additional confirmation from XXXX XXXX XXXX to remove deliquency and XXXX  XXXX XXXX 's internal systems have not been appropiately synched and updated all the way through to reflect this error. 

I have been thrown in circles by both of these companies- experian and XXXX XXXXXXXX XXXX credit reporting department . XXXX  XXXX XXXX, on each call confirms that from their end the account is current and has never been late however XXXX  XXXX XXXX XXXX credit reporting department which interacts drectly with the credit bureaus has been providing experian information that account was 30 days past due in XX/XX/2020. 
This is a pure example of missing links in the process which XXXX  XXXX XXXX uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. 

I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. 

I would like to request experian to remove 30 day deliquency attached to my XXXX  XXXX XXXX credit account and also appropiately update my score back. The day deliquency was posted, my score dropped by 45 points and I am hoping that it will be reverted. 

Looking forward to a resolve, I will be ahppy to provide any supporting documentation needed. 

Thanks

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