vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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: Conn's, Inc.
State: VA

Complaint narrative:
I spoke with a Conn 's customer service representative in XX/XX/2021 to make a payment and schedule a payment for the XX/XX/2021 due date. The representative did not schedule the payment and I was unaware that the account ran delinquent. When I found out that the XXXX payment was 30 days late going into XXXX, I quickly called the company to remedy the situation and make full payment and payoff of the account. I was told that the 30-day late mark on my credit report would be removed since I never had a 30-day late payment with the company before. I was then told several days later that the company was using their discretion and not removing the late mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX, MN XXXX XXXX Placed a charge-off amount of {$5100.00} on my credit report. 
This debt was waived. File # XXXX confirmation is dated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I was been paying a no interest debt every month and my statements do not accurately reflect the outstanding loan balance as XXXX XXXX XXXX continually bills me monthly with a higher balance then I owe. 

I've tried to contact numerous times both by email and phone number and given the run around every time. The last time I spoke to XXXX XXXX XXXX XXXX XXXX was XX/XX/2021 and most recent email was XX/XX/2021. 

When I'm able to speak with XXXX or other assistants, I ask direct questions regarding contact the XXXX XXXX XXXX directly and given an entry level contact email that in turn puts me through the same run around as she said : " The attorney is in trial, but I spoke with him and I don't have authorization to give you his email ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Approximately 2 months ago I went online to attempt to make a payment and got locked out of the account. the system stated that I placed the wrong password in. When I called to try to make the payment over the phone the system asked me to put in my information and then routed me to a que for which I spent hours waiting day after day. One day I finally got an individual who advised me that because my wife is the primary on the account they needed to speak to her to get the account unlocked and make a payment. I explained to him that Due to covid restrictions my wife is international until the borders of XXXX were opened. He advised ( to which i understood ). We have tried to three-way calls and due to the long wait times and international calls it has been incurring large costs to us, we have also had calls dropped. As a result we have not been allowed to make a payment even though we attempted numerous times. It was not until XXXX I called in, put in the credentials requested and i was advised that this is an attempt to collect a debt and was routed to an automatic payment system at which point i made a payment. We have never had a late payment of this kind on our record and it was through no fault of our own that this was not completed. We have attempted several times and incurred high phone bills trying to solve this. Today we are seeing a 30 day late payment record on two credit bureaus which is unfair to us. Kindly assist with removing these negative reporting on our credit report of the primary which is my wife.

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 2021-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
They gave me a line of credit for {$2600.00} i and from that i only receive {$2300.00} on XX/XX/21 i already pay back {$1000.00} to this date XX/XX/21 and they said that i still owe them {$2600.00} all the money that i paid when to interest i still owe more money that the gave me This is a completely rip-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and I saw that my credit score is low because you put some accounts there. I have no idea where did you get it I didn't use anything and never apply for it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a complaint previously regarding a 30 day late reporting on my credit by XXXX from XX/XX/2019. XXXX refused to remove the late because they feel they notified me by mail on a statement that I did not receive. 

My statements with XXXX are not always received on a monthly basis and they are sometimes received late. I do not recall receiving this specific bill. 

Additionally, on the bottom of the bill in tiny writing, it states that my account " may be '' transferred to Capital One. Even if I had received this statement the writing on this notice is very small and seems to be a general notice only affecting certain customers. 

I don't think it's fair for this 30 day late to stay on my credit just because they have a record of mailing out a notice. There is no record of me receiving this notice and I am stating here with penalty of perjury that I did not receive this notice. 

Please reconsider the removal of this late that is tarnishing my great credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 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:
Experian keeps sending the same exact response that they need authorization, when I jar responded to them and I have given authorization each time. this is getting redundant and Experian needs to address my complaint which I have asked numerous times. I know that Covid had affected everyone, but they should just blow me off by sending the same exact messages which I think are automated. I give and have give Experian authorization to proceed with my 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 explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
This is regarding transaction ids : XXXX and XXXX I paid for these transactions using paypal key for convenience which is backed by my credit card. 

For some reason paypal key authorized these transactions via an echeck despite me selecting a credit card banking my key. I also had multiple other cards in my account all active and willing to complete the charge if needed. 

Paypal to reduce its fees decided to debit my bank account instead, it debited this amount twice and it led to two NSF fees of {$20.00} each. 

I tried to resolve the issue via the PayPal help feature on the side and the agent after telling me they will resolve it asked me to call. After I asked for revocation of authorization to debit my bank and they closed the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Loan # XXXX my loan was transferred to Rocket mortgage on XXXX from XXXX XXXX I received a statement from them on XXXX stating that my current unpaid principal balance was {$230000.00}. After I cancelled my refinance loan application on XXXX XXXX my balance is {$230000.00}. According to the loan details on the refinance disclosure, the payoff amount was $ XXXX I dont understand why my balance went up after cancellation of my refinance loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: SC

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
Hi this original creditor XXXX XXXX They said I owe them an amount was charged off on for XX/XX/20 I know they trying to sue me and take me to lawsuit and even though I told them to not to call me the XXXX XXXX keep Contact them there not answering and I told him do not call me do not send me another talk to XXXX XXXX and before when I called them and they wanted to discuss this matter they never help me because I was sick and also I was not going to work because of the pandemic and I had XXXX  it myself and I am full time student but they did not help me and now they trying to sue me so please I am sincerely requesting since they did not help me please address this matter with them and also they reported to all XXXX and XXXX XXXX and XXXX and they put negative points and because of them I have no score Im trying to Refinance my car because Im paying so much interest I cant because there is a negative report against me will you please help me I am sincerely appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CO

Complaint narrative:
On XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX, MN XXXX XXXX Placed a charge-off amount of {$5100.00} on my credit report. 
This debt was waived. File # XXXX confirmation is dated 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 2021-10-28 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: CO

Complaint narrative:
On XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX, MN XXXX XXXX Placed a charge-off amount of {$5100.00} on my credit report. 
This debt was waived. File # XXXX confirmation is dated 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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARCO Group, Inc.
State: FL

Complaint narrative:
My background check via XXXX, ordered on XX/XX/XXXX and completed on XX/XX/XXXX, for admission into medical school incorrectly states that according to " records found '' my reported dates of employment at XXXX XXXX XXXX XXXX are incorrect when, in fact, they are correct. I do not know who gave them false information, but the report states that my dates of employment were XX/XX/XXXX to XX/XX/XXXX, which are rather the dates for my teaching at a different High School in the same general region, called XXXX XXXX XXXX XXXX The correct dates of employment at XXXX XXXX were reported as and are, in fact, XX/XX/XXXX to XXXX ( or XXXX ) XXXX. There is a difference of three years. I hope this does not detrimentally affect my admission/matriculation to the medical school for which I ordered this background check. 
Please see the relevant dates contained in the documents here attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
A payment I made was never applied to my mortgage. 

In XX/XX/XXXX, my loan was transferred from XXXX XXXX to Shellpoint. I didn't receive communication about this transfer so my automated payments were still going to XXXX XXXX. 

I sent payments to XXXX on XXXX and XXXX each in the amount of {$2800.00}. I obtained proof from XXXX that they forwarded this to Shellpoint on XX/XX/XXXX and XX/XX/XXXX, respectively. I have XXXX tracking numbers for each and screenshots of the tracking that both were received by Shellpoint. Shellpoint acknowledged to me on the phone that they received the XXXX payment but not the XXXX payment. 

I have reached out to Shellpoint twice where they told me they would to investigate this, but have never followed up with either investigation into the missing XXXX payment Separately, my loan was transferred to XXXX in XXXX where I've needed to cover the missing XXXX payment to avoid defaults and so on. 

I've attached the following documents : - proof of my XXXX payment leaving my XXXX  account - proof of my XXXX payment leaving my XXXX account - proof from XXXX that they sent these payments to Shellpoint with tracking numbers- XXXX screenshot of the tracking number for the XXXX payment received by Shellpoint - XXXX screenshot of the tracking number for the XXXX payment received by Shellpoint

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 2021-10-28 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My XXXX report does not contain a Bank of America credit card account on which I have been a co-account holder with my husband for several years. This is causing my credit score to be lower than it should because this is our main credit account. It is reported correctly to XXXX and XXXX. Bank of America reports to me that they have contacted XXXX on four occasions regarding this without response : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without a response from XXXX. I have made several phone calls between companies and am unable to get this issue resolved. Bank of America refuses to give me documentation of these contact dates in writing. They also refused to speak with the XXXX representatives on a conference call with me to help resolve this 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 non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: GA

Complaint narrative:
Ive been trying to get a home loan and everyone is telling me that there are two collections on my account that is preventing me to move forward. I pulled my credit and there are those two accounts that are not mine. I have reached out to the FTC and my police. Please help as Im doing this on my own behalf. Please remove them from my credit this is holding me up on having a better living situation XXXX XXXX Auto and 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 non-monetary relief
Consumer complaint received 2021-10-28 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: NJ

Complaint narrative:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not accurate status and not our responsibility from XXXX XXXX  during COVID-19 in 2020 and should not have been placed on my credit file. This account is also a joint account and removed from my wife 's Transunion but remains on my file. Please remove.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: GA

Complaint narrative:
Ive been trying to get a home loan and everyone is telling me that there are two collections on my account that is preventing me to move forward. I pulled my credit and there are those two accounts that are not mine. I have reached out to the FTC and my police. Please help as Im doing this on my own behalf. Please remove them from my credit this is holding me up on having a better living situation XXXX XXXX XXXX and 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 2021-10-28 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: GA

Complaint narrative:
Ive been trying to get a home loan and everyone is telling me that there are two collections on my account that is preventing me to move forward. I pulled my credit and there are those two accounts that are not mine. I have reached out to the FTC and my police. Please help as Im doing this on my own behalf. Please remove them from my credit this is holding me up on having a better living situation XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation