vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 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: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I received notification today that I am in 90 days in default on my home loan by Planet Home Lending. This is completely false. I have paid everything. This is significantly hurting my credit score and it is costing me heavily on my refinance. I used to have a credit score of over XXXX now it has dropped to XXXX. 

The loan was transferred from Planet Home Lending to XXXX  XXXX XXXX in XX/XX/2020. Four months later, in XX/XX/2020 Planet Home Lending reported that I was over 90 days in default, that is 4 months after they no longer had the loan. I cant be in default of a loan they dont have. I have full proof of payments for all my loans ( attached ). I've never been in default. I called Planet Home Lending and they said it shows that I was never in default and that the account was fully paid, but that for them to review this would take 3 weeks. Planet Home Lending has historically moved very slowly and I have had to contact them numerous times in the past by phone and by email just to finally get a response. Unfortunately Planet Home Lending has made error after error on numerous items and this is yet another one and it is hurting my credit score and me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2020 a flight using Chase Sapphire XXXX rewards was canceled by the airline. In XX/XX/2020 I called to ask for a refund. After almost 90 mins on the call and it being escalated to a supervisor I was confirm that the refund of points would take place in roughly 30 mins and the credit portion refunded in 48-72 hours. The commitment was never kept. Over the last two months I have called multiple times, filed multiple complaints and escalations including a review of the voice recording of our original call. Confirming I was promised a quick refund by the supervisor. I was advised if this was confirmed they would honor that commitment to be just later told, after confirming that it was a mistake and they cant honor it. Even though the original deadline has not been honor the worst case was to expect a refund in roughly 8-12 weeks, it has now been 14 weeks and no communication from Chase and no refund. Chase is holding roughly {$1300.00} of my money hostage for over 3 months at this point. During these hard times {$1300.00} goes a long way as well as I feel they are responsible for the fraud and lies promised on the first call captured on a recorded line. Overall I have spent over 5 hours trying to resolve this issue. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a dispute to Equifax and XXXX  on XX/XX/2020 and I still haven't heard back from any of them. It's been way over 30 days and I demand for the accounts listed on my dispute letter to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: IL

Complaint narrative:
Despite several written requests, the unverified bankruptcies listed on my report still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a COPY of the ORIGINAL documentation on file to verify that this information is mine and is correct. Your company have not sent me any documentation that verify the information they are reporting. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Your company have said the courthouse verified the public record which is a lie, I contacted the bankruptcy court and I sent a letter directly from the courthouse stating they do not verify with 3rd parties. Which I have attached to this complaint. It is also illegal to report inaccurate information on my report that has not been accurate verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). Your company have failed to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-02-06 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: IL

Complaint narrative:
Despite several written requests, the unverified bankruptcies listed on my report still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a COPY of the ORIGINAL documentation on file to verify that this information is mine and is correct. Your company have not sent me any documentation that verify the information they are reporting. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Your company have said the courthouse verified the public record which is a lie, I contacted the bankruptcy court and I sent a letter directly from the courthouse stating they do not verify with 3rd parties. Which I have attached to this complaint. It is also illegal to report inaccurate information on my report that has not been accurate verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). Your company have failed to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am having issue on connecting to LoanCare over 3 weeks on my XXXX app. 
So yesterday I checked the website but the website is down. I also remembered last year I didn't receive a paper document XXXX Form for XXXX, I was able to call to get some automatic reply on how much interest I've paid for XXXX but I would like to have a paper documentation, Form XXXX, but the whole website is not functioning. 

I checked XXXX, there is numerous complaints about this company. I am worried I am paying monthly to a fake entity and I would like to get a statement monthly and also my yearly statement in paper.

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 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I have applied and approved from Shellpoint Mortgage Services for the forbearance Plan on my mortgage accounts due to Covid 19 pandemic. During the forbearance plans Shellpoint Mortgage Services kept billing me for the late fees, service fees and reported negative credit on my accounts. I have sent request to management to remove but the problem was not sold. I would like to make complain and request to be waived on my late fees, service fees and negative credits on my account as the attached for details.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is in regards to complaint number XXXX that I previously filed today on XX/XX/2021. The reasons I am sending this is because I did not send all of the attachments pertaining to this complaint. I hope I am able to send them with this complaint.

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 monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
XXXX   website showed payment successful, did not let us fix typo, then 7 days later charged erroneous {$25.00} fee. Loan Care refuses to communicate. 

On XX/XX/2021, we used the loancare.com website to pay my mortgage payment of XXXX due XX/XX/2021. We made and immediately recognized a typographical error in the bank account number for the ACH transfer. Loan Care 's low-quality, XXXX  website did not give me the option to correct the typographical error in the account number. My co-borrower and I tried twice to contact Loan Care to fix the account number, but Loan Care refuses to respond to our attempts to contact them. 

Up until today, XX/XX/2021, the loancare.com website showed in the payment history that the XX/XX/2021 payment had been made successfully. It showed " XX/XX/2021 '' for the next payment due, and would not allow us to make the XX/XX/2021 payment again with the right bank account number. 

Today, the payment history on the loancare.com website changed and showed " BadCheckReversal, '' but did allow us to make the payment for XXXX again with the right bank account number. To our surprise, when we went to pay the {$3400.00} payment for XXXX today, the website forced an additional {$25.00} " NSF '' fee on us without our consent, and forced us to pay {$3400.00} instead of the {$3400.00} we owe. Loan Care has not responded to our attempts to contact them. 

This {$25.00} NSF fee is not right. We did not agree to it. We want it reversed. We also want Loan Care to reply within a reasonable time ( i.e, within 1 business day ) when we contact them. Could the CFPB please help? Thanks! XXXX XXXX and 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 2021-02-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap I will not wait another 45 days to receive no response because clearly yall ignoring me. I haven't heard anything from TransUnion, XXXX, and XXXX. I demand the accounts on my dispute letter to be updated immediately or I will file for litigation due to the stress that the bureaus has caused 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 2021-02-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from XXXX, TransUnion, and 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 2021-02-06 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: BYL Collection Services
State: CA

Complaint narrative:
To whom it may concern, I have made multiple attempts to have this company fix the wrong reporting on my credit profile. This is not my account. It is listed as such BYL XXXX XXXX  account number XXXX I have sent multiple letters disputing this information as well as advising them this does not belong to me and to with no success. I have recently sent the 3rd letter on XX/XX/ 2020 with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: IL

Complaint narrative:
I have attempted to resolve these issue numerus time with the credit bureaus with no resolution. XXXX XXXX is reporting inaccurate and incorrectly. To start the account is still reporting as open and 120-149 days late, although the last payment is listed as XX/XX/2018. This would make the account way more than 149 days late forcing it into charge off status. Next the late day of payment is different on each credit bureau. If the information being reported is supposed to be " verified '' how are the dates different. Finally there is a collection from XXXX XXXX XXXX and a Bankruptcy that need to be removed as well because the information does not match mine. This entire situation is completely disheartening. How can these companies just report stuff then make us American prove that what is being isn't true of correct. The entire credit reporting world needs to be revamped. Because right now it is completely unjust!

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 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XXXX is claiming that I owe them {$1200.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from Experian, XXXX, and 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 2021-02-06 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: CA

Complaint narrative:
I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with transunion, XXXX and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX and XXXX however transunion sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE 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 2021-02-06 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: IL

Complaint narrative:
I have attempted to resolve these issue numerus time with the credit bureaus with no resolution. XXXX XXXX is reporting inaccurate and incorrectly. To start the account is still reporting as open and 120-149 days late, although the last payment is listed as XX/XX/2018. This would make the account way more than 149 days late forcing it into charge off status. Next the late day of payment is different on each credit bureau. If the information being reported is supposed to be " verified '' how are the dates different. Finally there is a collection from XXXX XXXX XXXX and a Bankruptcy that need to be removed as well because the information does not match mine. This entire situation is completely disheartening. How can these companies just report stuff then make us American prove that what is being isn't true of correct. The entire credit reporting world needs to be revamped. Because right now it is completely unjust!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$420.00}, {$0.00}, {$5900.00}, {$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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- INSTALLMENT LOAN 5. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation