vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 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: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
I'm writing to request a correction to my & my wife 's credit reports to all the 3 credit bureaus : XXXX, XXXX  & XXXX. I have paid every mortgage payment on time since the inception of our mortgage account. 

In XX/XX/2020, AMERIHOME made a mistake and did not apply my {$1100.00} payment submitted on XX/XX/2020 to my mortgage account. This resulted in a 30-day delinquency noted on our account and credit reports. 

I submitted my XXXX payment on time ( as usual ) not knowing that the previous payment was not applied. On XX/XX/2020 the {$1100.00} payment submitted on XX/XX/2020 was returned by AMERIHOME into my XXXX  XXXX XXXX checking account. 
( see support documents : XXXX XXXX XXXX Transaction Details : XXXX & XXXX ) I submitted the XXXX payment on time ( as usual ) still unaware of the unapplied XXXX payment. Later in the month of XXXX, I discovered the error and immediately made another payment on XX/XX/2020 to catch the account up. All previous and subsequent payments were made on time. 
( see support documents : XXXX  XXXX XXXX Online Banking : AMERIHOME Payment History ) I take my mortgage obligation very seriously and as the supporting documents indicate, I always initiate payment in a timely manner. It was AMERIHOME that did not apply the XXXX payment to my account, ultimately reversing the payment into my XXXX  XXXX XXXX checking account. When I explained what occurred to AMERIHOME customer service, the agent acknowledged the mistake and waived three ( 3 ) {$39.00} late charges totaling {$110.00} on XX/XX/2020. The late charges were waived, but my credit reports still reflect a delinquency that negatively impacts my XXXXredit score. 
( see supporting documents : AMERIHOME Customer Account Activity Statement ) I've contacted AMERIHOME via phone, email and fax communications at least a dozen times beginning XX/XX/2020 with no resolution. 

Therefore, I'm filing this complaint with CFPB. Please advise if additional support required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$2300.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.

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 2020-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was reported 30 days late because I made loan payments during a lender offered, Covid 19 payment assistance deferral with Chase Auto Credit. 

On XX/XX/XXXX, I responded to an offer by Chase to defer payments on my auto loan for 2-3 months. Due to the uncertainty of how the virus would affect my income, I enrolled for the deferral and stopped automatic payments. ( enrollment letter and program expiration letters attached XXXX We were in the process of obtaining a mortgage for a new home during this time. 
On XX/XX/XXXX, My loan officer cautioned me that any mark on my credit report at this time would jeapordize my chances to obtain the mortgage and, as a precaution, advised me to pay up the auto loan with Chase if I could. Since the Covid situation did not affect my business badly, I could make the payments. 

I called Chase on XX/XX/XXXX to tell them that I was going to start making payments to bring the loan current and avoid negative marks on my credit. I clearly stated I did not want to do anything that would jeapordize my credit. The representative told me that my credit would not be affected and I would not be reported late or reported that I was on a deferral. 
I sent them three seperate payments so it would be absolutely clear they should be applied to each monthly payment, instead of being applied as one bulk payment. ( bank statement attached ) On XX/XX/XXXX, I received a letter from Chase informing me that my " Covid 19 assistance program has expired '' ( letter attached ). Showing I was in the program from XX/XX/XXXX to XX/XX/XXXX. 

I received a credit alert that I was reported 30 days late for the XX/XX/XXXX payment. 

I contacted Chase Auto Finance and placed a dispute. I was told by the dispute department that since I made the payment in XXXX, the XXXX payment was 30 days late, but the account is now current. Due to the automated process, there was nothing they could do to remove the 30 day late. In addition, they charged me a late fee for the XXXX payment. 

I wrote the 3 major credit bureau 's and entered a dispute. All three came back as having checked with the creditor and finding the results to be accurate as " Account is current '' In summary, I was on a payment deferral plan, and with all good intention, made payments to insure there would be no issues with my credit. My credit score dropped almost 40 points due to, what I can only guess, was a gross misunderstanding during a very chaotic time. I thought I was doing the right thing. I would have never intentionally jeapordized my credit. 

I respectfully request this 30 day late be removed from my credit reports. 

Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my 4rth complaint filed and to date EQUIFAX has not fixed the problem. 

The problem : Equifax is not reporting my revolving ( credit card ) accounts on my credit profile history. I have 2 credit card accounts through XXXX XXXX. 
1. XXXX  XXXX Visa ending in XXXX 2. XXXX  XXXX Mastercard ending in XXXX XXXX XXXX communicated to EQUIFAX to report these accounts. I've attached this letter that XXXX XXXX wrote me notifying me of this. And yet to-date EQUIFAX still is not reporting onto my credit profile history these revolving accounts -- -attached is a screenshot of " myEquifax '' account showing 0 Revolving Accounts. 

Equifax is the ONLY credit bureau that is NOT reporting my 2 revolving accounts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$1400.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -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 explanation
Consumer complaint received 2020-11-27 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$1400.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$4700.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.

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 2020-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit systems and XXXX XXXX XXXX XXXX has put unpaid on my credit report and I have no knowledge of this account. It's been 10 months and I have mailed them letters and I have tried to get in contact with them and they still refuse to answer me. I know my right and according to my attorneys and the FCRA I have the right to file a class action lawsuit against this company for reselling to other creditors and falsifying documentation. Please help me get a response from this company and please help me get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: PA

Complaint narrative:
In XXXX I leased a XXXX from XXXX XXXX in XXXX, Indiana. In XXXX I secured a new job in another state and moved. In XXXX of XXXX I secured a loan to purchase the XXXX that I was leasing. During the loan process Volkswagen mistakenly paid the sales taxes to the wrong state ( Indiana ). As a result, the bank was not able to register the car in the right state ( Pennsylvania ). The bank officer working on the loan and title transfer and myself have reached out to Volkswagen numerous times over the last 11 months and asked them to produce and send an affidavit verifying that the sales taxes were paid to the state of Indiana so that the car could be registered and have the title released and switched over to my name. To date Volkswagen  has not produced the affidavit, released the title or done anything that has resolved the issue. XXXX, the Volkswagen representative assigned to the case does not return phone calls to XXXX XXXX the loan officer. Because the car is unregistered and I do not have a garage to store it in where I live the car was recently impounded by the police and collects fees everyday. It will be auctioned and I will have to pay the loan payments for the car regardless of if it is sold at auction. The police department will not release the car without proof of registration and the bank can not register the car without the title or the affidavit. I am at my wits end and do not know what to do to resolve this issue. 

Desired Outcome Volkswagen must produce and send an affidavit verifying it paid taxes to the state of Indiana to the bank loan officer, release the title so the car can be registered, pay the impoundment and towing fees and correct any problems associated with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2020 I went online to clear my email then notice I had a correspondence from Wells Fargo that they had to transfer monies because my account was overdrawn. I found that to be strange because I new I had more than enough funds to clear the checks I sent out for bills. When I logged into my account I saw '' EVERYDAY CHECKING Account ... XXXX XXXX Available balance '' My mouth fell to the ground. I logged into the account this is what I saw a bunch of with drawls in on XX/XX/2020 .CARD PURCHASE XXXX ( not my debit card ) in different amounts until my account was emptied and the checks I wrote they charged me overdrawn fees. 

Mind you this is about XXXX XXXX  the night before XXXX zero monies in my account.l I called the to file a fraud claims, I was given a claim number XXXX A total of {$2000.00} was taken from my account plus {$25.00} in overdrawn fees. I spoke to someone they said they would call me back it is XXXX XXXX  XX/XX/XXXX. 2020 and no one has called me back. This is wrong, disgusting, disrespectful How Wells Fargo has treated me.

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 2020-11-27 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-11-27 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: CA

Complaint narrative:
These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with XXXX, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX XXXX, XXXX  XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from discover. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
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
Consumer complaint received 2020-11-27 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: CA

Complaint narrative:
These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with XXXX, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX  XXXX, XXXX  XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from discover. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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:
On my XXXX  credit report the information on the XXXX account is incorrect as I have provided documentation to prove of the incorrect information on the XXXX/XXXX  account XXXX  have deleted the account from my XXXX credit report as well as Equifax has removed XXXX/XXXX  from my Equifax Credit report for reporting incorrect payment history on my credit report the second account on my credit report is XXXX XXXX XXXX XXXX account they are reporting incorrect payment history on my report I have provided documentation for all these incorrect account payment history on Equifax Credit report and XXXX Credit Report there is incorrect payment history on my XXXX  Credit report for account XXXX XXXX XXXX XXXX payment history is incorrect this will be the last time I contact this company to get this taken care of with all these credit reporting companys XXXX  and Equifax need to delete XXXX XXXX XXXX XXXX and XXXX/XXXX  from my report I will get a attorney and sue because this is really unfortunate for these two companys to report incorrect information on my file please delete last request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: FL

Complaint narrative:
On my Experian credit report the information on the XXXX account is incorrect as I have provided documentation to prove of the incorrect information on the XXXX/XXXX  account XXXX  have deleted the account from my XXXX  credit report as well as XXXX  has removed XXXX/XXXX  from my XXXX  Credit report for reporting incorrect payment history on my credit report the second account on my credit report is XXXX XXXX XXXX XXXX account they are reporting incorrect payment history on my report I have provided documentation for all these incorrect account payment history on XXXX  Credit report and Experian Credit Report there is incorrect payment history on my Experian Credit report for account XXXX XXXX XXXX XXXX payment history is incorrect this will be the last time I contact this company to get this taken care of with all these credit reporting companys Experian and XXXX  need to delete XXXX XXXX XXXX XXXX and XXXX/XXXX  from my report I will get a attorney and sue because this is really unfortunate for these two companys to report incorrect information on my file please delete last request

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