vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
This is my second complaint against Fay Servicing and it has gotten worse. The level of customer service has been poor and rude. I have reached out since the beginning of XX/XX/XXXX and has gotten no where. My account manger will not call me back after several voice messages being left. I have talked to other team members and same thing have gotten no where. I have recently left a voice message to the supervisor of the account manger. 
The successor in interest department is doing a terrible job in updating my account with requested documents. I was advised to send in documents proving my identity and relationship to the borrowers. I have sent my drivers license, birth certificate, a copy of the guardianship papers stating I'm the guardian over my dad ( owner of the house and on the deed ). I have sent in court documents of me having filed a motion in the foreclosure case. 
I received a letter this month ( XXXX ) asking for a death certificate for my dad. How upset I was to read and receive this letter. My dad is alive and I'm not sure why and how they got the notion my father was deceased. It leads me to believe that my account manager, the legal department, and the successor in interest department, either  doesn't care or can not comprehend legal documents. Having served guardianship papers doesn't mean my father is deceased. I was appalled to receive such a letter of request. 
I try and call in and explain and I get the same thing " Maam we  need the documents listed '' I live in the property and have since XXXX. I want to retain the property and assume the loan. Fay servicing is trying to delay and move forward with the foreclosure action set for XX/XX/XXXX. Which is unfair and disheartening, America is in a pandemic and things that were accessible through the court or online is not accessible now. I have provided everything I could and yet has access to anything or my identify proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I put in a dispute on my XXXX XXXX  credit card on XX/XX/XXXX it still has yet to be resolved in the 30 days I have sinced called both companies involved a few times and have yet to resolve this issue also I have received late fees since this has started. XXXX XXXX  would not remove the charges of items I received and comenity capital bank has not disputed the charges yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
I have a charged off /closed account with Sun loan and every month they still adding between $ XXXX {$50.00} on my charged off account .and doing unauthorizes hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: NH

Complaint narrative:
XXXX  XXXX servicing is refusing to remove an inaccurate 90 day late mark on all three of my credit bureau 's reports in XXXX of XXXX on several of my loans. However, my letter that I received from XXXX clearly states I was in Forbearance from XX/XX/XXXX - XX/XX/XXXX. I have disputed with all three credit bureau 's and XXXX refuses to remove it even with the attached letter they sent to me with the dates clearly listed on the letter sent. They continue to report this as a 90 day late mark, stating I never entered into Forbearance until XXXX of XXXX. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

At the time, even if my payments were late in XXXX of XXXX, and XXXX   XXXX accurately reported them as late. XXXX, later granting a forbearance for that time period, per the cited opinion, XXXX  XXXX has the duty to update the accounts to show that there were no late payments given the account status of being in forbearance during the period late payments were originally reported.

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 2020-07-13 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: FL

Complaint narrative:
I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/XXXXand it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.

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 2020-07-13 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: MS

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2020-07-13 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: MS

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2020-07-13 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-07-13 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-07-13 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: MS

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M.L. Zager P.C.
State: NY

Complaint narrative:
Had a medical procedure on XX/XX/XXXX. After insurance my out of pock responsible was {$250.00} I received notification of the bill in the mail. I paid bill in full via credit card by mail. The charge cleared my account on XX/XX/XXXX. Subsequently I received a bill from a collection agency representing the pathologist demanding payment in the same amount of {$250.00}. I paid this amount also via electronic check which cleared my account on XX/XX/XXXX. On XX/XX/XXXX I received an alert from Experian stating that my account had a negative remark. Upon review I see that there is an entry for {$250.00} in collections reporting as outstanding. Much to my chagrin as I am in the final steps of financing a home. This false entry has caused my credit score to plummet close to 100 points. I reached out to the collection agency and was advised that they would look into the duplicate payment. They sent a letter in the mail stating that the entry would be removed however they only report on the XXXX of each month. which is much too late for my mortgage process. I am praying that this does not cause a negative impact to my mortgage process however something tells me that its going to cost me in paying a higher interest rate. Of all of the times for this to happen ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
i had a amex XXXX XXXX XXXX card. which gives 5 percent back on purchases from XXXX. i spent this past month over XXXX dollars from XXXX which is about XXXX points worth XXXX dollars. amex opened up a financial review of my card. asking me for bank statements and the like. i uploaded everything they asked for. they still decided to terminate my card and now they do not want to give me my points because ny account was closed before the statement closed. i do not feel its right that when they decide to close my account with no fault of my own that they can just not give me points which i had rightfully earned. i tried calling many times the agents do not know what side is up everyone tells me something else but i still do not have my points

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Every year I provide PENFED with a certificate or " Proof of Insurance '' to prove to PENFED that the Condominium complies with the insurance requirements to include Flood Insurance. I provided PENFED with the proof of insurance certificate and spoke with customer service on several occasions to ensure I was in compliance. Notwithstanding, I received a notification from PENFED that funds were withdrawn without my authorization to pay for an insurance policy selected by PENFED for my property even though I already had XXXX and had provided this information repeatedly to PENFED. I have spoken with a customer service agent named " XXXX '' at XXXX XXXX XXXX XXXX, ext XXXX regarding this matter. She advised that until an escrow analysis is completed, that I should continue making the additional {$630.00} in monthly payments ( in addition to the $ 428 monthly mortgage payments ). I would like PENFED to refund this funds to me and to stop these abusive practices which unfortunately occur on a yearly basis. I did not authorize PENFED otr anyone else to withdraw funds from an existing PENFED Money Market Savings account to create an escrow account on my mortgage. I respectfully request a prompt resolution to this matter.

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 2020-07-13 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: OH

Complaint narrative:
Equifax Problem : On XX/XX/XXXX my Equifax score dropped 77 Points. I have had no negative marks for 2 years and my score went up 20 points in XXXX. I am in positive standing with all creditors. There is an old existing charge off from XXXX which they stated caused the drop. But this is old and since experienced a score drop at that time. My credit has been in stellar standing since and steadily increasing to the upper 600s / and now 700s - 733 prior to this drop on Equifax being my highest number. Confused. Clearly upsetting, this has harmed my ability to access competitive rates and or borrowing at all as well as possible effects on gainful employment. I am wanting to get a house later this year. I have been working diligently to pay bills and keep a positive balance of accounts currently at 11 % usage on cards. Equifax offered no further explanation on XX/XX/XXXX. I know my rights and it is illegal to renew a previous derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: FL

Complaint narrative:
I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/20 and it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: FL

Complaint narrative:
I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/20 and it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.

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 2020-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Recently I again unsuccessfully tried to have Bank Of America remove the incorrect entry on my XXXX credit report. Its been challenged numerous times, and BoA keeps saying its correct without any investigation. I didnt owe any money to BoAand was never late on any payment yet to date ( according to the XXXX credit report ) yet BoA repeatedly refuses to remove this. 

If this entry from 2013 were correct, it would also be on XXXX and XXXX, which its not. Ive worked very hard to rebuild my credit after I had XXXX XXXX XXXX and a divorce that caused the bankruptcy and now Im entirely fed up with nonsense. 

If this isnt taken seriously, my next step will be legal action. Thats not a threat, but a promise. Fix it now!

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I went to XXXX XXXX XXXX XXXX to get my credit report from all three agencies. 

XXXX stated " online delivery unavailable '', stating I had to fill out additional paper work to get my credit report. 

XXXX XXXX and Experian did not provide credit scores and had additional steps to retrieve these scores.

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 2020-07-13 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I recently filed a credit report dispute with all three credit agencies. I filed each dispute online, and asked for the results to be submitted to me online, when I completed each request. Equifax e-mailed me on XXXX that the results of my dispute were finalized, and provided me with a confirmation number and a link to log-in to my account to view the results of the dispute. When I did so, the link in my account under " Dispute Center '' did not work, and I was not able to see any information regarding Equifax 's findings. 

I called customer service. After a very long wait, I was told the dispute finding was NOT available on the website using my log-in after all, but the findings could be provided to me in another manner. I asked the agent on the phone to provide the findings to me in the manner in which I requested when I completed the dispute request to Equifax, which was online. I then had to ask about 10 times to be transferred to a supervisor or someone who could resolve what appeared to be a technical issue with Equifax 's website. I was finally transferred to another supervisory agent who told me the issue could not be resolved. 

All that I am asking is for the findings of my dispute to be provided to me online, so I can take the action necessary to address the findings in a timely manner. Snail mail is not a manner that fits my need, which I communicated to Equifax at the time the dispute was filed. 

I have included a PDF of the notification email from Equifax, and also a screenshot of the online " Dispute Center '' after I enter log-in credentials, showing there is nothing available to view regarding the status of my dispute and how it was resolved.

Company response to consumer: Closed with explanation