vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: MI

Complaint narrative:
I had a credit card account with XXXX XXXX XXXXXXXX XXXX. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXX XXXX The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. 

Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. 

I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. 

The items I cite as being violations of the FCRA are -posting the high balance ( 813.42 ), which is higher than the collections representative had me pay ( 81.34 ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported.

Furthermore, there are 0 sections in the FCRA that prohibit deletion.

I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports.

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 2021-03-15 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Initially my bank paid my XXXX mortgage twice by mistake for {$1600.00} each time. 
I called Fifth Third Bank on XX/XX/XXXX and requested a refund I was told I will get a refund and the associate could not even find out if it will be a check or a reverse payment. 
By XX/XX/XXXX ne payment was received I contacted XXXX from Fifth Third Bank and she said a check was already mailed. On XX/XX/XXXX a letter stating my extra payment would be credited toward my account was received, I did not request this and it was not credited nor did I receive a check. 
I called Fifth Third Bank on XX/XX/XXXX at XXXX XXXX and spoke to XXXX she said the money was applied to unissued credit, then I told her a check was supposed to be mailed. She then changed her answer and told me a check was mailed but could not give me a check #. She refused to connect me to her supervisor and put me on hold 10 minutes. I called back and XXXX again refused to connect me to her supervisor and just put me on hold again. I never received this money and the payment of {$1600.00} was never applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
Received a notification on XX/XX/21 advising that my First Investors Account was showing 30 days past due with a XXXX balance. 

I traded in the vehicle on XX/XX/21 and the loan was paid in full by my new lienholder 10 days later. The account status updated to paid in full and closed about 2-3 weeks ago, now the creditor is reporting a 30 days past due on my credit file for an account that has been satisfied in full and closed.

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 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
M & T Bank does not process payments on time. Our last payment was mailed on XX/XX/2021 and as today XX/XX/2021 hasn't posted. Since they took over our loan, they have not posted any payments on time. 
I suspect that they are doing this on purpose to charged late fees. 
Their lame excuse is that the USPS is not delivering mail on time. All the other payments that were mailed on the same day were received and cashed by corresponding companies. 
I just called them today and they were very arrogant regarding the situation.I asked the rep by the name of XXXX XXXX ID XXXX to trace the payment and he refused to o so. 
We do not want be charge a late fee or damaged our credit due to their excuses and cavalier attitude towards customers. 
Please investigate this matter since I suspect its an ongoing issue with M & T Bank.

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I Bank with PNC Bank, going on maybe 10 years, whom we have never had an issue with until now. I have a vehicle loan through PNC bank as well which is paid through the bill pay feature on the PNC app. I paid {$1600.00} on the loan on XX/XX/XXXX. Once the payment posted, the account overdrafted which is fine because I fixed the overdraft the same day. Then the next day PNC Bank reversed that {$1600.00} payment which is also fine. So I called PNC bank and asked spoke with someone in the customer service and loan servicing dept who verified I could go ahead and pay the {$1600.00} again and the payment would NOT come out twice therefore, I made the payment again after being told it would only come out once. On XX/XX/XXXX I woke up to an overdrafted account due to the {$1600.00} payment being taken out twice and this time I didnt have the money to fix it but shouldnt have to fix it because this time, it was the banks fault for misinforming me and taking out the payment twice instead of once. I called that morning and spoke with a rep who stated I had to call back Saturday morning since the payment was pending and not yet posted even though it reflected in our checking account for 2 payments of {$1600.00} and advised when I called Saturday that they would have one of those payment refunded immediately. I called Saturday and was told the loan servicing dept. Could either refund the payment within 7 business days or I could dispute with the customer service dept and have the payment refunded within 3 business day. I spoke with someone in the customer service dept who stated they escalated the dispute and the money would be back into the account on Wednesday and that I would have to call once again on Wednesday to provide the story to have the {$1600.00} refunded along with any overdraft fees. Today is Monday XX/XX/XXXX, I called the bank to check on the status of the dispute and was told it would take 45-90 calendar days. I told the rep there should be a rush on it to be back into the account by Wednesday because I am still overdrafted with overdraft fees currently coming out and its PNCs fault. All the rep said was to wait a couple of more days and call back. This is a warning to others, if one of your payments is reversed and the bank tells you to pay it again, dont because the payment will come out twice and no one will be able to tell you when your money will be back into your account and they will charge you overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX and Resurgent are sending me emails to collect a debt from a card which is fraudulent. They are sending me a bill and inside the end Ill a person named XXXX attached a smiley face emoji to it which alerted me that this was most likely a scam. However, this is effecting my credit because there is a negative mark on my credit showing this is an outstanding collection. I also believe that once I paid out my XXXXXXXX XXXX  debt recently someone took my information and used it to XXXX this fake bill. XXXX was bought by Resurgent and I believe that they are giving out information or unsecured. Please contact me to get this matter settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My stimulus payments continuously go to the wrong account, Ive tried to fix it through the irs and at one point my bank was able to reverse the funds however they arent doing that or rejecting it from that invalid account which cause me to not get my stimulus. Ive tried everything and have been told theres nothing we can do even though theyve done something before, Im struggling like everyone else and dont want my XXXX to go somewhere else. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: MO

Complaint narrative:
I have worked very hard to improve my credit and had submitted all required documents for an application for a refinance. Having had no communication with the loan officer or the company, I emailed to inquire of the status and was given a curt reply that informed the loan officer is no longer there. I was not given the status of my loan and no other option for contact. As a business professional, I understand turnover and contacts, but as I had still filed all the necessary for a loan through the company, am I not required to receive a decision one way or the other? As an individual who works very hard and always extends common respect and courtesy to others, I am extremely disappointed and discouraged. It conveys clearly that my loan is no longer a matter of concern, and I am understanding of this, but I would like to have been treated professionally and at least given an option as to who I could possibly talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I bank with regions and I was looking to rent a unit and set up a payment for XXXX dollars to secure the lease but after I made the payment and it was put on hold I found the woman did not have the keys I was being scammed probably so I immediately called regions to cancel the on hold payment which had not been taken from my account yet. The first woman I spoke to said she would have to verify the payment for me to cancel when later I found in an email after 24 hours the payment would be canceled on hold but she verified it and made the payment for XXXX dollars to this scam artist. Now regions does not want to take responsibility for their employee not knowing the facts of her job ( 24 hour delete of on hold payment ) and the fact a regions employee took XXXX dollars from my account I was calling to cancel in the first place. I am sick with XXXX filing for XXXX and XXXX living out of a hotel on the last dollars I have left please help 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 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX to Select Portfolio on XX/XX/XXXX. I am in the process of refinancing my first loan therefore am on a timeline to close escrow. On XX/XX/XXXX, I called Select Portfolio and requested a copy of my Note per the refinancing lender 's request. I was told I would be faxed the note but I did not receive it. When I called back a few days later, I was told that they couldn't locate the Note and were looking for it and they would have to reach out to XXXX XXXX. I was told that it would take a few days. Last week, I called to check on the status and they still hadn't located it and told me that they would put a " rush '' on it. I called back today XXXX XX/XX/XXXX XXXX and Select Portfolio is still telling me that they have not received anything from XXXX XXXX. 

It has been 2 weeks since my initial request and there has been no progress. This loan was transferred 7 months ago. If I am late on a payment, I receive calls daily asking for payment yet when the table is turned there seems to be very little effort as it doesn't seem as impactful or important to the lender. 

This Note is needed as part of my loan refinance. I am requesting assistance so that the Note be located and I be sent a copy ASAP. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: AVANTE
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stearns Ventures, LLC
State: CO

Complaint narrative:
My husband and I have been working with XXXX XXXX, a mortgage broker, in XXXX XXXXXXXX. They found a mortgage lender for us, Stearns Lending, at a 2.5 % fixed rate for a 30 year mortgage and we were subsequently approved for the mortgage. 

XXXX XXXX ordered the appraisal on XX/XX/2021. Stearns Lending then ordered an exterior only appraisal, despite the fact that an exterior only appraisal was NOT approved through the Automated Underwriting System ( AUS ). Our understanding is that the lender plugs into the AUS and delivers the conditions based on what XXXX XXXX grants. As a result of the actions of Stearns Lending, we lost 24 days in a bogus appraisal process and the mortgage broker didn't get the exterior appraisal until 42 days after it was ordered. We lost our 2.5 % rate lock because we lost the entire month of XXXX awaiting the exterior appraisal that Stearns Lending had inexplicably ordered, which ultimately ran out the clock on our rate lock. 

The mortgage broker outlined the chain of events to the Stearns Lending account representative, who acknowledged the error, but refuses to honor our original rate. We subsequently contacted the Executive Vice President of the Wholesale Lending Division of Stearns Lending, who also refused to honor the original rate and suggested that our broker contact the account representative, which he had already done, to no avail. 

This has caused us irreparable long term financial harm since rates have now gone above 3 % and are unlikely to fall to the level that we locked in. So we are currently stuck continuing to pay hundreds more per month on our current mortgage and the lender is unwilling to honor the original rate lock of 2.5 % despite their gross negligence.

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 2021-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation