vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 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:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX 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 2020-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a duplicate inquiry from the same company on the same day. I have contacted them and the inquiry still shows on my report. This is effecting my credit and should be removed. 

Its from XXXX  XXXX XXXX on XX/XX/2020. I have made phone contact several times with no results.

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 2020-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion is stating that the court is the data furnisher of the bankruptcy however this is inaccurate information because the court mailed me a letter stating that they do not verify bankruptcies. Under the FCRA any inaccurate information must be removed after investigation. XXXX and XXXX  sent me a letter showing the removal of the bankruptcy. I sent over verifying documentation from the court to Transunion to verify this information. Please delete this information. Thank you.

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 2020-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
For over a month and many hours of holding talking and transferring to a supervisor in the tax dept and ZERO help and ZERO call backs from  supervisors like XXXX and XXXX in XXXX and XXXX TX Im now at my phone hour limit on my cell XXXX which evidently a supv is not able to update but made notes about lol, and customer service has not followed thru and changed but they were communicated about so this is not the source of the issue so dont let them even try to use this  excuse. They have a delinquent bill that city of XXXX reversed interest and fees for as I had not received a prior bill. I finally got the corrected amount and that it is the same numerically as the XXXX to XXXX bill but now understanding that it is a special bill that comes out randomly ever 5 or so years. I submitted it to be paid out of my fat balanced escrow with us bank who bought my loan from the original mtg  lender and they are blowing me off. My acct number is XXXX their phone is XXXX the escrow has literally enough to pay this and likely enough or very close for bill in XXXX coming up for XXXX thats how fat the balance is. What is the worst is the careless and stale mating service during COVID when they should be helpful. This is an easy thing to fix! You have the bill you have the money this impacts me in many negative ways some too numerous to list.

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 2020-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX  # XXXX, XXXX  XXXX XXXX XXXX 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 2020-10-24 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:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX   XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX  # XXXX, XXXX  XXXX XXXX XXXX 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 2020-10-24 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: NC

Complaint narrative:
My account was showed on the credit report as being late in XXXX and XXXX, I've always paid my account on time before the Covid -19 crisis, I contacted the company to let them know I was quarantined for two weeks both months due to covid exposure and the creditor told me it would not be a problem and it wouldn't affect my account but they still reported late payments to my credit report, I have disputed the account and provided paperwork but both times nothing has changed

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 2020-10-24 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I previously paid my XXXX account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX Comenity Bank. I have been illegally Discriminated against with these ruthless tactics by XXXXComenity Bank who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX Comenity and XXXX XXXX XXXX. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX Comenity Bank lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by Comenity and Bank and XXXX XXXX XXXX through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a senior who was scammed by phone and online on XX/XX/XXXX and XXXX of XXXX with a gift card scam for a total of {$9000.00} charged on my USAA Savings Bank Visa card. The bank was notified to try to reverse charges but said they could not do so. Visa was also notified who referred me back to USAA Bank. A police report was filed that USAA Bank already has along with the details of this case which include the merchants involved. I tried to submit this as fraud, identity theft and also under my homeowner 's insurance as well as resubmitting under Elder Abuse but today XX/XX/XXXX was informed by USAA that my claim was again denied as I am still liable for the amount. The police case # is XXXX and the officer 's name is XXXX XXXX with XXXX XXXX County Sheriff 's Department, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, telephone XXXX, 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 2020-10-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/20 Portfolio Recovery on a collection showing a balance of {$3100.00} added a derogatory remark on my credit report per XXXX XXXX XXXX XXXX monitoring account. Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection after sending a letter on XXXX and another on XX/XX/20. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( collection agency name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24 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: FMA Alliance, Ltd.
State: GA

Complaint narrative:
I previously paid my XXXX account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX XXXX XXXX. I have been illegally Discriminated against with these ruthless tactics by XXXX XXXX who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX XXXX and XXXX XXXX XXXX. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX XXXX XXXX lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by XXXX and XXXX  and XXXX XXXX XXXX through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
I previously paid my XXXX  account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX  Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX XXXX XXXX. I have been illegally Discriminated against with these ruthless tactics by XXXX XXXX  who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX XXXX and Crown Asset Management. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX XXXX Bank lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also  update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by XXXX  and Bank and Crown Asset Mgmt through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, I lost my wallet containing a WalMart CapitalOne  credit card. On XX/XX/XXXX, I discovered fraudulent charges on the CC to the following amounts : {$150.00} from XXXX XXXXMerchandise {$130.00} from XXXXMerchandise {$110.00} from XXXX  {$44.00} from XXXX  for a total of {$440.00} in fraudulent charges made all on XX/XX/2020. 

On XX/XX/2020 Capital One gave an Initial Acknowledgement XXXX  Fraud. 
On XX/XX/2020 Capital One acknowledged one payment that had yet to be credited back to me and informed me that they were continuing their investigation. 

On XX/XX/2020, I received a notice that there had been no indication of fraud to my fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I had to file a complaint due to me applying for a deferment caused by covid-19 after filing the complaint Loancare placed my loan on a deferral. I received a letter on XX/XX/2020 stating loancare had spoken to me about the approval of the deferral agreement, not once have I spoken to anyone who has been handling my deferral. no one has called me nor has anyone explained the deferral to me not one person has talked to me about any dollar amounts that would be deferred on the back end of my loan. I read over the letter that was received on XX/XX/2020, loancare is trying to charge me for 4 past due payments. I have only been late 3 payments which started in XXXX, XXXX and XXXX of 2020 I have not missed any other payments. I started back paying my loan in XX/XX/2020 which I sent a letter and email as well as fax letting Loancare know I was able to resume my payments. I also filled out the paperwork that was sent to me in order to approve my deferral not once after filing the complaint and sending all my information, Loancare has not called me not once. The only calls are the calls I made to loancare speaking to representatives who could only tell me my loan was being processed and someone would contact me, that day has never came. Now loancare is trying to charge me {$15000.00} for 3 past due payments that is {$690.00} per month including taxes and insurance. My total past due 3 payments are {$690.00} times 3 missed payments is {$2000.00} so why is Loancare trying to charge me {$15000.00} on the back end of my loan? This company is a complete fraud. My documents below shows I have not spoken to anyone in that department who would have explained my deferral before mailing out a letter on XX/XX/2020 which I received on XX/XX/2020

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 2020-10-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to get this information clear up from all three of my credit report. The bureau inform me that they would not investigate again. The items on my report should have been of my report because the seven years has been up. They have me down as late payment on my mortgage. My report is not right I have tried several times with them to get it resolved. I have call each credit bureau at sixteen times concerning my credit report. I am a  XXXX veteran. Im getting depressed dealing with this..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to Rushmore in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by Rushmore when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX Mortgage prior to transferring it to Rushmore, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to Rushmores Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. Rushmore strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One double reported my amount of debt so my amount of debt looks like im using 250 % but my report clearly says i have a balance of XXXX $ and a total credit line of XXXX I'm struggling to repair my credit as is with unsurmountable student loan debt that ill end up dead, literally, before I have a chance to even pay on. Credit scores ruined my life. Literally. Please fix this, you have done enough damage as is. I have almost killed myself twice. Two times because I cant see a way out of  this mess. Just fix it XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to get this information clear up from all three of my credit report. The bureau inform me that they would not investigate again. The items on my report should have been of my report because the seven years has been up. They have me down as late payment on my mortgage. My report is not right I have tried several times with them to get it resolved. I have call each credit bureau at sixteen times concerning my credit report. I am a disabled veteran. Im getting depressed dealing with this..

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