vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: CITIBANK, N.A.
State: DC

Complaint narrative:
macy 's credit card {$3.00} that was paid XX/XX/20, .not sure but wasn't late ... and shouldn't be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
This card is used for health care expenses and can be used at XXXX as well, never received any notice of when my payment was due. Starting in XX/XX/XXXX I got a notice that my payment was late on XX/XX/XXXX. So I made the payment, but had no exact billing date to go by when my payments were due. 
My bill is {$68.00} a month according to the company, from that point on I would check the website to see if I could find a due date for my payments, nothing showing an exact due date. I also went into the website and added a bank account to use to make the payments, next time I got notice my payment was late, I went to the site and bank account info was no longer in there. I have added 2 different bank accounts to the site, I have sent them multiple payments to keep the bill up to date. On the website it shows that 3 of the payments I have given them have all been rejected by according to the company by my banks. I have never had any payments rejected by my banks, and if you look at my bank statements this company has never even sent a payment request to my banks. I get a notice on my bank accounts when someone tries to take a payment, it will show as pending, then paid or returned by my banks. In no way shape or form has this company ever showed up as either one of them in my bank accounts. Now I have hits on my credit report saying I have late payments with them and am behind, which has lowered my score drastically from above 600 down to the low 500 's. I don't believe how they are doing business is fair to consumers and would never recommend them to anyone, I would rather tell people to never do business with them. To me Synchrony bank/care credit is a rip off and does nothing to help consumers in the long run. I have all the documents from my bank and their website to show what has been going on, I also have all the emails I have received from them over the past 4  months, which total 4 emails.

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 2020-04-23 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: IL

Complaint narrative:
They are reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: IL

Complaint narrative:
They are reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Very bad customer Service and experience Everytime I request A credit line Increase in my Exxon account They tell me You have a fraud alert I say yes their supposed to Due extra verification to approve me They dont they just decline me each time Im So frustrated with this bank their dont care to make me Happy I deserve a line increase Ive been a loyal customer

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 2020-04-23 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Since XX/XX/XXXX USAA XXXX XXXX debt collectors have repeatedly called my phone numerous times a day. I have been in the hospital and trying to recover from XXXX XXXX XXXX and XXXX and have begged and pleaded with them to please stop calling me. I am being called Every hour sometimes even every couple hours. This is a very rough time for myself, family, and country. They are being rude and telling me that they do not care and will proceed to call me as many times as they want until the debt is paid. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I cosigned, through XXXX XXXX, a lease in XXXX for my son. He allowed the vehicle to get repossessed and we were responsible for the remainder of the vehicle value after it was sold at auction. I paid this account in full in XX/XX/XXXX. I have repeatedly called and asked for a paid in full statement and a correction to my credit report. Neither has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: IL

Complaint narrative:
They are reporting inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX XXXX be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now Navient has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
in XX/XX/2020, I was contacted by PFC, Professional Finance Company about a bill for a medical service. I went through the process to pay the debt, however, when they continually asked for my private information ( last 4 of social, address, etc ), I turned them down to process the payment because it seemed as though there was a possibility it was fraudulent. The representative told me that in order to process the payment, she needed my identity information. I told her no. 
I went and paid the original entity the amount due. 
PFC processed my payment on my credit card anyhow, without my final authorization. So now I have paid this debt twice. When I contacted them to tell them that they processed payment without authorization, they told me that they could send me a check in 1-2 weeks and could not electronically reverse the payment. After many  complaints, and them listening to the recording, they overnighted me a check for the payment. During all of this they were very aware of the fact that I had already made the payment to the original entity. I have offered to them several times the authorization code and transaction number of the payment made directly to the original entity.

Today, 3 months later, I get another call that I still owe this money. When I explained to the rep that it was paid, and offered the payment information again, she proceeded to tell me that I had to email them the payment proof from my bank. My online banking will not go back that far. I have the printed authorization showing it was paid, yet the rep yelled at me and then hung up telling me it was " still in collections ''. The fact that they hung up on me when I was explaining my position is infuriating. 

They are a disaster, yet affecting our credit. Why they can't get with their client to correct this is beyond me. XXXX should take the burden of keeping accurate files and should not be able to run such a disorganized business.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL

Complaint narrative:
Rushmore Loan management XXXX will not permit applying for loan modification online and direct you to call. However, they do not answer the phone and the phone directs you to go online. 

I have spent hours trying to reach this company to no avail. Many times they tell you to call back during business hours but it is during business hours. 
Rushmore recently bought my loan from XXXX and they are a sham! 

They need to be required to staff appropriately to meet the needs of their customers during this critical time. 

It is unacceptable to just ignore refinancing, loan modification and other needs of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
The NewRez LLC are the worst company that I have to deal with. The only assistance they can provide is a forbearance for 3 months that is due at the end all at once. So if you have 4 months of mortgage payments laying around at the end of the COVID-19 pandemic you will be fine if not good buy to your house. I understand its a business and they will make a lot of money with I'm sure a government bailout and lots of foreclosures from not helping any american home buyers. as soon as this is over i will be looking to refinance and get my mortgage as far away from this company as possible. I have been calling the company since XXXX I have been told that my account has been placed in the forbearance status and the letter will go out with the information. Its been 3 weeks no letter and when I called the lender I receive conflicting information from different representative. This is very frustrating as I'm a healthcare worker and simply do not have time to be on the phone for hours to resolve these types of issues. I have file a complaint on the XXXX website and when you read the reviews I believe that something needs to be done about this company. 
Called XX/XX/XXXX spoke with XXXX CalledXX/XX/XXXX spoke with XXXX CalledXX/XX/XXXXspoke with XXXX Please Help! 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TN

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: NH

Complaint narrative:
I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX  XXXX XXXX XXXX {$610.00} XXXX  XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My husband already advised Comenity Bank that we were working with a debt consolidation company to resolve our debt and gave them our lawyers name and number. They have spoken with our lawyers but continue to call and harass us daily! Even on weekends and holidays! They call my job constantly and embarrass me and they call ALL of my family members. I dont even know how they got everybody 's number! I just want it to stop. I am developing anxiety from this and cant sleep at night due to the continuous harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
The month of XX/XX/2020 Wakefield & Associates was send a certified letter asking to send me information about this account and this company refused.I have send several letters and made several calls to this company requesting the following : -Please provide copy of sign contract XXXX in its original form ) that shows I agreed to pay your company for your services. 
-Copy of bill statements from you company for the months of XXXX, XXXX, XXXX and XXXX. 
-Provide copy of any judgement from courts stating I must pay Wakefield And Associates for their services. 
-All statements from original creditor. 
-Provide your company license number. 
-Please break down and explain how you calculated the balance for this account from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX 's be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now XXXX has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.

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 2020-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX 's be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now XXXX has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The website XXXX is not ensuring the privacy of consumers. Any person who knows a person well, such as an ex spouse, can easily access a credit report. The test questions are questions that anyone who knows a person can answer. Some of the questions can be easily guessed. According to my Experian account, someone accesses my report at least twice a month. It is no doubt my ex husband who has stalked me for years. I have read MANY online complaints about this. Please ask that XXXX to start requiring a password. 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 2020-04-23 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: IL

Complaint narrative:
They are reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: IL

Complaint narrative:
They are reporting inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I need to apply for mortgage forbearance from Wells Fargo but they have told me the following : 1. I will have to pay all missed payments on XX/XX/XXXX or at the end of the forbearance period 2. I asked for Wells Fargo to contact the mortgage investor to determine if I could add the missed mortgage payments onto the end of my mortgage loan. 
3. Wells Fargo refuses to contact the mortgage investor. 
4. Wells Fargo refuses to give me the name of the mortgage investor 5. Wells Fargo refuses to tell me if it would be possible to add the missed mortgage payments onto the end of my loan until the end of the forbearance period. 
6. The Wells Fargo representative told me that he was in the Office of the President of Wells Fargo and refused to let me talk to his supervisor or to give me any more information. 

It would be impossible for me to pay all missed payments in the forbearance period on XX/XX/XXXX if I can't make the payments now.

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