vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: PA

Complaint narrative:
a bought something from XXXX that was shorted and damaged. i sent back what was sent to me. i was never refunded the full amount and disputed with comenity bank. this bank failed to do a dispute but decided to keep calling and hounding me for a payment and reported it to my credit bureaus. after many calls with XXXX and the third party seller not responding to emails i finally threatened legal action and got XXXX  XXXX. XXXX admitted this shouldn't of went this far and the bank should of never put negative remarks on credit report. XXXX XXXX finally gave a refund but credit score was already hurt. comenity violated the fair credit reporting act and also has failed to reply to emails and 2 certified letters sent to there XXXX ohio offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint wrote to CFPB XXXX that they had already addressed this issue in correspondence. However, Shellpoint does not state why it did not follow the rules and provide the permanent modification since I made the three payments.

Shellpoint never addressed why it sent me a statement with an amount of {$990.00}, which I paid and then Shellpoint claimed to have revoked my modification offer because I paid the statement that they sent to me.

Shellpoint has not explained how it can reject my modification for paying the correct amount when the trial modification, which was supposed to be based on a streamline was overcharing and I paid the correct amount based on the statement that Shellpoint sent me.

Shellpoint has stated they were not going to honor the trial modification, but Shellpoint has never addressed its failure to provide consistent statements and its failure to provide clarification when I asked for 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: SC

Complaint narrative:
I just got a alert that I have a collection on my credit report. I dont owe anyone for the account that I noted, I have asked to remove but the company think I am playing. The company is XXXX in the amount of XXXX XXXX I dont owe any balances to this company. it must be someone else. 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 2021-07-01 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: GA

Complaint narrative:
This account was paid in full and I was told that after it was paid in full that they would delete the entry from my credit profile. However, this account is still reporting on my credit profile.

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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This account was for an auto loan that was refinanced more than 2 years ago. During the refinance process I was told that this auto loan would not appear on my credit profile after it was refinanced with XXXX XXXX. Currently, I have two auto loan appearing on my credit profile and I was told by Santander that I would not continue to see reporting for them. My current auto loan is with XXXX XXXX, not Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Regional Acceptance company violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. Regional Acceptance did not verify employment or verify it was actually me getting the loan. Regional acceptance requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon regional acceptance I was a victim of subprime lending. Regional Acceptance has not sent me the original indebtedness in its original form.

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 2021-07-01 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This account was paid in full and I was told that after it was paid in full that they would delete the entry from my credit profile. However, this account is still reporting on my credit profile.

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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was for an auto loan that was refinanced more than 2 years ago. During the refinance process I was told that this auto loan would not appear on my credit profile after it was refinanced with XXXX XXXX. Currently, I have two auto loan appearing on my credit profile and I was told by XXXX that I would not continue to see reporting for them. My current auto loan is with XXXX XXXX, not 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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
This company apparently bought this account from another agency that tried to sue me on account that was paid off. The other company that had the account brought the case to the local court where I lived and the case was dismissed by the local court by pursuant L.C Rule 12.02 Dismissed without prejudice at their cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: EQUIFAX, INC.
State: CO

Complaint narrative:
When I tried to get my credit report from XXXX, I am able to get my credit report from XXXX and XXXX after verifying my identity. 
Equifax comes up with a system errors. I have tried couple of different days, assuming that they are having system issues, but I get the error page every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: GA

Complaint narrative:
My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay. I reported this information to Experian and they failed to investigate my claim. I contacted XXXX XXXXXXXX XXXX XXXX and they advised that they were not contacted by Experian.

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 2021-07-01 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: GA

Complaint narrative:
I have two hard inquires on my Experian credit profile, both for XXXX XXXX. One on XX/XX/2019 and another on XX/XX/2019 - the inquiry on XX/XX/2019 is a duplicate inquiry.

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 2021-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My mother hired and paid a moving company on XX/XX/XXXX. I was at the new location as the movers completed the job. When they finished, the movers told me they hadn't been paid. I proceeded to pay the moving company again for the same moving job. 

Later, after speaking with my mother, we realized we both charged for the same job. We contacted the moving company and requested they refund the money that I paid them, since it was my mother who hired them. On XX/XX/XXXX, the moving company said they would refund me by XX/XX/XXXX. I attempted to contact the company on XX/XX/XXXX and XXXX after not receiving the refund. After not receiving a refund and no contact from the company, I filed a dispute with my bank on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that my bank denied my dispute claim, saying the information they got from the merchant showed it was a valid transaction. They send proof showing that I signed the receipt. I contacted the bank again and they were under the impression that my dispute was because I was charged twice. I clarified that I was not double-billed, it was that two different people were each charged for the same service. They said I should resubmit my claim. 

On XX/XX/XXXX, I resubmitted my claim, being more detailed in explaining the scenario and including the bank statements for both my mother and myself. I highlighted the charge from the moving company on both statements, showing they both posted on XX/XX/XXXX. 

On XX/XX/XXXX, I received notification that my claim was denied because I already submitted a claim for the transaction - even though the bank told me to resubmit the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/2021 a {$45.00} payment was to be taken out from the checking account associated with the the Barclays credit card. However, at this time Barclays did not withdraw the {$45.00}. Attached is an email confirmation from Barclays confirming that Barclay 's received payment. On XX/XX/2021 I was required to restrict the initial associated checking account due to fraudulent activity. On XX/XX/2021 I was charged a {$29.00} fee by Barclays for a returned payment. However, when I made the payment on XX/XX/2021 the account was open and the funds available, Barclays charged me the {$29.00} fee because Barclays did not withrdraw the funds on the day specified. I should not be charged for Barclays laziness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
MAS FINANCIAL PRESSURED ME INTO EXTRA MONTHLY FEES IN TOP OF AGREED LOAN AMOUNT CAUSING DIFFICULTIES IN PAYING. I WAS HARASSED VIA PHONE CALLS AND DOCUMENTATION WAS MADE VIA EMAIL TO COMPANY. VEHICLE WAS REPOSSESSED AND LOAN AMOUNT STILL OCCURS ON CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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:
I was denied for a loan with my bank that I have been with since I was XXXX. The Manager at the Bank went over my credit with me and there are so accounts on there that are not mine and they are XXXX, XXXX XXXX and there is one account that don! have a name but It did have somewhat of an account number XXXX. There are also 4 XXXX  student loans on there but there weird thing is that its only on Transunion. I dont even know how that Is possible being that I never graudated from high school. I have filed a complaint with the FTC and reached out to my local police. Can someone help im doing this on my own and need help.

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 2021-07-02 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:
I was denied for a loan with my bank that I have been with since I was XXXX. The Manager at the Bank went over my credit with me and there are so accounts on there that are not mine and they are XXXX, XXXX XXXX and there is one account that don! have a name but It did have somewhat of an account number XXXX. There are also 4 XXXX student loans on there but there weird thing is that its only on XXXX. I dont even know how that Is possible being that I never graudated from high school. I have filed a complaint with the FTC and reached out to my local police. Can someone help im doing this on my own and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: OH

Complaint narrative:
I have sent multiple letters to experian in regards to unauthorized inquires om my credit report. They have failed to investigate and delete the inquires. They continue to igmore me and im stressed. I am giving Experian authorization to investigate the unauthorized inquires and provide me proof that these are infact mine. I will not accept a caned response of they recieve this info from the creditor. It is the credit agencies job to provide proof of the erroneuos inquiry, I demand these inquires be delete now or i will seek legal action.

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 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello ShellPoint I received a call from a company that assist with modifications. 

The indicated there is a pending foreclosure recorded XX/XX/2021. 

The foreclosure is pending recorded by XXXX XXXX XXXX The foreclosure document is not recorded by ShellPoint. 

Are you aware of foreclosure default document recorded. 

I am trying to understand what is going on Help

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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I reached out to this company on XX/XX/2021 and asked this company to please verify this debt because I had no knowledge of this negative account reporting on my credit profile. Its XX/XX/2021 and this company still has not responded to my dispute and they are still reporting this information on my XXXX  credit report even though it has been removed from my other credit reports. XXXX and 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 2021-07-01 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
The Victoria secret credit card was charged off in XXXX and then reappeared as 150+ days late as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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:
I was denied for a loan with my bank that I have been with since I was XXXX. The Manager at the Bank went over my credit with me and there are so accounts on there that are not mine and they are XXXX, XXXX XXXX and there is one account that don! have a name but It did have somewhat of an account number XXXX. There are also 4 XXXX  student loans on there but there weird thing is that its only on XXXX. I dont even know how that Is possible being that I never graudated from high school. I have filed a complaint with the FTC and reached out to my local police. Can someone help im doing this on my own and need help.

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 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company Jpmcb Card was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : Jpmcb Card - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation