vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. XXXX XXXX XXXX LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on Experian. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an Experian credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020 I will be a member of the class action above.

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-24 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: OH

Complaint narrative:
I have several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts XXXX XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: OH

Complaint narrative:
I have several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts XXXX  XXXX  XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  XXXX XXXX, XXXX 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 2020-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
XXXX XXXX XXXX - charge - medical bill I was asked to pay for imaging that could not be read by a radiologist - imaging was poorly done. It missed standard of care quality elements. In other words, it lacked information that is normally included in such imaging and reporting. Associated radiologist agreed and removed their own charges. 

There was no customer service department, and therefore, no resolution path within XXXX XXXX XXXX. With their billing department I tried to dispute bill but they would not discuss ; ordering doctor also tried to help resolve this issue because the imaging could not be read. I eventually contacted a XXXX XXXX XXXX Vice President for help ; he said he'd help but did not follow up. 

Non payment went to collections, and for several years I have been harassed by collections. I can provide a list of blocked telephone numbers from credit collectors. 

I ran my XXXX  report in the summer of 2020. The bill is now bringing down my credit. Note that I am in my XXXX and have had nearly perfect credit for all of my adult life. 

Due to the ongoing harassment, I finally offered to pay the bill ( in writing, with the debt collector if they'd remove it from credit reporting as an error. They did not respond within 30 days - It's been 6 months ). See letter, and USPS timestamped return/receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: MI

Complaint narrative:
On XX/XX/2020 I placed an order on XXXX  using the XXXX MasterCard ( synchrony bank ) and never got the order, the purchase amount was {$1700.00}. I filed a dispute and ended up getting my money back. I then placed another order from the same person on XXXX for the same amount on XX/XX/2020 thinking maybe the first one was just a fluke. But this item didnt come in either well after the expected delivery date so I filed another dispute. This dispute has been on going since then and has had no action taken against it by XXXX MasterCard, I have called maybe 50 times from the time of the dispute until now and still have not gotten an answer. Every time I call Im told its going to need to be re-evaluated and they carry the dispute out again for 90 days. Finally about a week ago I got an affidavit form, this is the first form I was ever told to fill out after almost 11 months of waiting. I filled the form out and sent it over and got a response today, the response was in 30-60 days we will review the document submitted in order to give you an answer. The problem is, that no one has taken any action, every manager Ive spoken to has taken the situation lightly and payed it no mind and just kept telling me to wait and now Im sick of waiting Ive given them a whole year and still havent gotten any response. If I give them 60 more days the dispute will be going on for 1 year and roughly 2 months. I have never in my life have ever had a dispute experience like this, and neither has anyone I even know. This is why Im choosing this route to escalate the issue.

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 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. PLEASE DELETE THIS FRAUDULENT ACCOUNT AT ONCE : XXXX  XXXX  XXXX  # XXXX. I dispute this debt and any accounts you may have in your office. The original creditor is also a 3party junk debt collector and has also failed to send any notice or verification of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have attempted several times to have Santander remove this from my credit report because it's stopping me from purchasing a home. first it is not my account it belong to XXXX XXXX I was removed from this account 3 months after car was purchased. 2nd the car was totaled and the balance after insurance and Gap insurance paid is incorrect and the dates are incorrect. I have several time attempted to have this removed from all three bureaus and I feel like it's violating my credit reporting rights. Santander do have knowledge of this issue and fail to resolve it. Santander have an internally inconsistant error issue and is doing nothing about it, Santander has had this issue for years and fail to resolve it. I would like this account removed from XXXX, XXXX, and XXXX  because even the amounts and dates are incorrect and it needs to be resole or my next step is an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I called midland credit due to a debt owed that was paid off when marked delinquent from the original credit issuer. Midland credit refused to validate the debt with the original credit issuer and continued to threaten, Harass, and using intimidation tactics to pay debt not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens Bank charges {$250.00} to subordinate a Second Mortgage which is fine but they will not allow the borrower to pay the charge within the closing documents and the borrower can't pay directly. It can't be shown on the LE as a borrower-paid charge per Citizens. the charge must be paid by the lender or the broker which is me. So I'm having to pay a fee that isn't on the LE out of my own pocket which seems a violation of the law. I've attached the 1st page of their instructions stating the fee and who is to pay and how it can't be on the Loan Estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have received a letter from my online bank Marcus by Goldman Sachs dated XX/XX/XXXX, that my CD account will be closed on XX/XX/XXXX. My CD account has a 12-months  term. It was open on XX/XX/XXXX and it matures on XX/XX/XXXX. 
The letter from Marcus didn't provide me with any reason as of why my account will be closed. 
I contacted Marcus and I spoke with 2 of their supervisors about this issue. They both could not explain me why my account is being closed. One of those supervisors by the name XXXX told me that that was a business decision made by the bank. 
I strongly disagree with the bank 's decision about closing my CD account before it matures on XX/XX/XXXX. 
I locked a high interest rate when I opened my account back in XX/XX/XXXX, and I will lose a considerable amount of money, if the bank closed my accounts prematurely before the 12-months term is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
We were charged the annual 'membership fee ' but had torn up the XXXX XXXX XXXX XXXX and weren't using it. We also had paperless and had totally forgotten about the card. Per XXXX XXXX XXXX  / Barclays Bank they charged us the membership fee of {$99.00} in XXXX. We hadn't used the card for 4 months or more and had completely forgotten about any membership fee. I called them in XXXX and they reversed the charge so the balance was/is XXXX. However, they reported the account as delinquent to the credit report companies lowering my credit score from XXXX to XXXX. I called manager at Barclays and they refused to reverse the delinquency and said that I should have known it was going to be renewed because they emailed me. At no time did I receive an email stating that this was going to happen to my credit report. 
I would appreciate Barclays reversing it allowing my credit history to be correctly reflected.

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 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Timothy M. Sullivan
State: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. PLEASE DELETE THIS FRAUDULENT ACCOUNT AT ONCE : DEBT XXXX XXXX # XXXX I dispute this debt and any accounts you may have in your office. The original creditor is also a 3party junk debt collector and has also failed to send any notice or verification of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My daughter refinanced her Wells Fargo Student Loan ( on which I am a co-signer ) with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. XXXX was supposed to pay off Wells Fargo XX/XX/2020. My daughter XXXXs first pay to XXXX was scheduled for XX/XX/2020,. 

As of XX/XX/XXXX, XXXX paid off the loan to WF. However, WF already reported a 30-day deliquency on the account, which decreased my credit score by nearly 100 points. I requested a rapid credit rescoring of WF, and they have opened a dispute. 

I am in process of purchasing a home. I need an immediate rapid rescoring of my credit because I am not at fault for the error made by XXXX on my daughter 's account. 

My case with Wells Fargo is XXXX. 
My daughter 's Request Number with XXXX is XXXX. 
My XXXX Reference Number is XXXX. 

Thank you. 

XXXX XXXX XXXX XXXX, IL

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRIAD FINANCIAL SERVICES, INC.
State: MI

Complaint narrative:
My Chapter XXXX Bankruptcy was discharged XX/XX/2020. I discovered on XXXX, credit reporting agency, my account with Triad Financial Services was noted as a " Charge Off '', and not as, " Discharged by Bankruptcy '', as all of my creditors from my Bankruptcy have noted. I've attempted to dispute the Charge off, without help from XXXX. XXXX  has been given my Bankruptcy discharge by the Bankruptcy court, as it has to all three reporting agencies, again has refused to correct the charge off, to Discharged by Bankruptcy. Triad Financial Services also refuses to correct this inaccurate information. My account was closed with Triad Financial Services @ XX/XX/2020 as 'Charge Off ', two months after my Bankruptcy discharge date of XX/XX/2020. Triad Financial Services has harassed my with emails, phone calls and mail, well after my bankruptcy discharge date.Triad and all other creditors declined to attend the creditors hearing scheduled XX/XX/2020. Reported to my attorney, harassment has ceased, finally. I understood the negative impact of filing bankruptcy, but XXXX & Triad Financial Services refusing to correct the inaccurate information is being done with Malicious Intent to cause my credit rating even more harm. After my third dispute with XXXX, they lowered my credit rating from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX, and XXXX immediately cease all credit reporting on my report XXXX XXXX XXXX of collections with XXXX XXXX XXXX. This is a violation of FCRA. 
XXXX XXXX XXXX XXXX ( 2 ) XXXX {$600.00} and {$460.00} XXXX XXXX XXXX XXXX has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXX. I have no contract with XXXX. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. 

Immediately cease reporting of false and inaccurate statements to credit bureaus XXXX XXXX, and Experian by XXXX 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 2020-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC
State: DC

Complaint narrative:
On XX/XX/2020, a deposit of {$600.00} was deposited into my checking from Nationalsmallloan XXXX. Initially, I was surprised because I never spoke to anyone pertaining to a loan. Since the telephone number was included in the description of the XXXX deposit I contacted Nationalsmallloan and excepted the terms and loan.The terms consist of XXXX payment beginning on XX/XX/2020 and XXXX additional payments bi-weekly unless the full balance was paid off. So I made another payment of XXXX on XX/XX/2020. 

On XX/XX/2020, I contacted Nationalsmallloan in an effort to pay the loan off in full. This is when the problem occurred. I informed a representative that I wanted to pay off the loan in full and the representative asked to take my number and someone would call me back with an exact pay off. After about an hour I called again and was asked to leave my number and someone would call me back. After about 2 hours, I repeated an attempt to contact Nationalsmallloan and was given the same excuse. I repeated this for a total of 6 attempts. On XX/XX/2020, again I was asked to leave my number and someone would contact me, but no one every did. 

On Monday XX/XX/2020, I contacted a representative and expressed my disappointment regarding their failure to call me back and I stated, " You all are trying to continue to collect the XXXX bi-weekly payment. '' and the representative said, " yeah '' Thereafter, I contacted my financial institution and they instructed me to place a one year block on the ACH transaction. So I expect to hear from them soon because a payment is scheduled for XXXX, 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was charged misapplied payments, fees and other charges, plus additional interest. This resulted in my vehicle being repossessed.

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 2020-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX and Transunion immediately cease all credit reporting on my report XXXX XXXX XXXX of collections with XXXX XXXX XXXX. This is a violation of FCRA. 
XXXX XXXX XXXX XXXX ( 2 ) XXXX {$600.00} and {$460.00} XXXX XXXX XXXX XXXX has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXXXXXX. I have no contract with XXXX. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. 

Immediately cease reporting of false and inaccurate statements to credit bureaus Transunion, XXXX and XXXX by XXXX 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 2020-12-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My daughter refinanced her XXXX XXXX XXXX XXXX ( on which I am a co-signer ) with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. XXXX was supposed to pay off XXXX XXXX XX/XX/2020. My XXXX XXXX first pay to XXXX was scheduled for XX/XX/2020,. 

As of XX/XX/XXXX, XXXX paid off the loan to XXXX. However, XXXX already reported a 30-day deliquency on the account, which decreased my credit score by nearly 100 points. I requested a rapid credit rescoring of XXXX, and they have opened a dispute. 

I am in process of purchasing a home. I need an immediate rapid rescoring of my credit because I am not at fault for the error made by XXXX on my daughter 's account. 

My case with XXXX XXXX is XXXX. 
My daughter 's Request Number with XXXX is XXXX. 
My Experian Reference Number is XXXX. 

Thank you. 

XXXX XXXX XXXX XXXX, IL

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