vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I gave proper notification to the apartment complex manager that I would be vacating the premises and I paid the last month rent directly to the apartment complex manager with a money order for {$1800.00}. There was no damage and the apartment was left in excellent condition. I was never notified by the apartment complex that there were any outstanding charges due and I was not aware that this account had gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus as well as the apartment complex to remove this however, I have not been successful.

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 2020-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield ( HW ) has been trying to collect on a {$3100.00} debt that I do not owe to them. I went to court for this debt and a judge signed off on an order that clearly states that I do not owe the Original Creditor ( OC ) any amount of money. The OC never tried to contact me about anything after this court date and a few months later I get a letter from HW. I requested debt validation and they sent some documents but none of it included the court order signed by judge. This item is ruining my credit report and by court of law I do not owe the OC so I do not owe HW. I have disputed this item multiple times and they will not remove it and they continue to verify this debt as accurate with the credit reporting agencies. I would like this collection removed from my credit report immediately.

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 2020-06-16 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: Ascendium Education Group
State: NC

Complaint narrative:
ASCENDIUMEDUCATION keeps a re-aged account insisting that an account was opened in 2016. I was not in school at this time and they keep verifying account with credit reporting agencies. XXXX  does not exist for this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC will not allow me to connect my bank account to other services that I want to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third I have a credit card account with I had a small balance. I called them in XXXX for the balance and asked for the complete payoff even if interest was going to be assessed .. I was given the total of approximately {$420.00} total and will not owe anything further. I said perfect and made the payment. on XXXX XXXX I received a credit alert that I had a late payment for them in the amount of XXXX.. I immediately called and said this can not be I asked for everything I could owe and paid it then. They said it was a {$1.00} of interest. I never received a bill for this or a call, they just gave me a XXXX late on my credit report. They said sorry for your inconvenience we waived the {$1.00} but did nothing about the late payment on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information attached shows how Experian is breaking the law ( FCRA timelines ), and not fixing errors contained on the credit reports from an individual. They share information to people not authorized, and they try to confuse the regulators like CFPB, by saying they verified the authorization without providing any proof of that. I have had for months a lot of fraudulent inquiries ( some of them already removed by Experian ), since the XXXX information leak. I have been notifying Experian properly as the law dictates, and still does not eliminate the all the unauthorized inquiries to my report. Even with the proof of the creditors asking to remove the inquiries, they simply neglect to take off all the inquiries that do not have any authorization from the individual. They do not provide any proof of verification, and CFPB is not doing anything about it. This complaint in addition to the previous, has the proof from a lot of those inquiries being retired by several creditors. Experian did not fix the errors completely, breaking the FCRA timelines.. CFPB I am providing evidence of the continuous breach to the FCRA by Experian, please procede accordingly. 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 non-monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
My mortgage company is Mr. Cooper, a brand name for Nationstar Mortgage, LLC. On XX/XX/2019, the company used money from my escrow account to pay property taxes on the wrong parcel of land. Because of their incorrect payment combined with the correct payment, my escrow account has a negative balance. The company has raised the price of my mortgage from {$1000.00} to more than {$1500.00} a month to make up for that negative balance and pay for their mistake. They have admitted to paying on an incorrect parcel, yet 7 months later, I am still being held hostage by their inflated note to account for an error that occurred on their behalf, not mine. 
I have called more than 10 times since this error first came to my attention, beginning in XXXX. I've spoken with their escrow department, as well as people from their executive resolutions and escalation teams. Six months have passed with absolutely no resolution, despite an admission of error on behalf of the mortgage company. I'm being told that until they receive a refund from the county for the incorrect taxes, there's nothing they can do. However, the county has told me they've received no phone call or correspondence from the mortgage company. My escrow account has been mishandled, and I am paying the price for it through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TN

Complaint narrative:
EXPERIAN AND EQUIFAX ARE REFUSING TO REMOVE INFORMATION THAT IS NOT MINE THIS IS A PROBLEM AS I HAVE NEVER HAD STUDENT LOANS OR THESE OTHER ACCOUNTS LISTED CAUSE I HAD A SCHOLARSHIP IN SCHOOL THEN DRAFTED TO THE XXXX THESE ACCOUNTS NEED TO BE REMOVE ASAP

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 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I applied for a Sony XXXX visa credit card and within few days my application was denied due to a fraud alert in place and this bank wants to me remove the fraud alert on my XXXX  credit report and a hard inquiry was in place by the bank and this bank wasted my time and I cause a credit point loss on my credit report ..and I dont have anything bad on my credit report and I would like this bank to either remove the inquiry or I can reapply ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$120.00} COLLECTIONS XXXX {$130.00} COLLECTIONS XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX {$720.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged.  XX/XX/XXXX was contacted by XXXX the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over XXXX proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently XXXX applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX XXXX assume this debt & stated payments made to XXXX & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XX/XX/XXXX MORTGAGE PAYMENT HISTORY, XX/XX/XXXX STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Shellpoint Partners, LLC
State: WA

Complaint narrative:
XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged. XXXX of XXXX was contacted by XXXX the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over XXXX proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently XXXX applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX SHELLPOINT assume this debt & stated payments made to XXXX & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XXXX MORTGAGE PAYMENT HISTORY, SHELLPOINT STATEMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
Hello. My husband XXXX XXXX. He worked for XXXX XXXX at the time. He would send me money through Google Pay as he was only home every six weeks for 2-3 days. We used Google Pay many times without incident but this time Google Pay deposited money in my account but then withdrew it the next day for a total of XXXX XXXX dollars. I have been demanding our stolen money from Google Pay for over a year. I filed cases with Google Pay ( case ID XXXX ), the XXXX, the FTC and the Arizona Attorney General. Google Pay acknowledges deposits but ignores their withdrawal which I have documented. They said my husband stole the money, my bank stole the money and I am sure now the Arizona Attorney General and/or the FTC. I just want our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I was trying to extended for 3 mouths and they are still sending statements that i have to pay i told them i was unemployed i need a three mouth extension they never help me to get it resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOMEVER IT MAY CONCERN, THIS IS NOT THE FIRST TIME I HAVE BEEN ATTEMPTING TO REMOVE FALSELY, INACCURATE INFORMATION OFF OF MY CREDIT REPORTS. THE FOLLOWING ACCOUNT IS REPORTING NEGATIVELY AND DOES NOT BELONG TO ME : -XXXX  XXXX ( XXXX ) THIS ACCOUNT WAS SUPPOSED TO GET REMOVED BY EQUIFAX QUITE A WHILE AGO. XXXX HAD SEND ME A LETTER STATING THAT THEY WILL REMOVE THEY WILL ASK EQUIFAX TO REMOVE THE FALSE INFORMATION OFF OF MY CREDIT REPORT, DUE TO THE FACT THAT THEY CONFIRMED THAT I AM NOT ASSOCIATED WITH THIS ACCOUNT. I HAVE ATTACHED DOCUMENTATION OF WHICH PROVES THAT THIS ACCOUNT DOES NOT BELONG TO ME ( AS WELL AS MY LICENSE AND SSN CARD ). I DEMAND TO GET THIS ACCOUNT REMOVED, I DO NOT HAVE TO FEEL THE NEED TO ACQUIRE FURTHER LEGAL ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
DISPUTED 3 items with Equifax Credit Reporting Agency and they failed to provide the information on file concerning the disputed accounts pursuant to section 609 of the fair credit reporting act..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX I paid off two accounts that had never been late. As a result, Equifax decreased my credit score by 62 points while XXXX  and XXXX  only decreased by 6 points. This negative impact by being a good consumer made it difficult for me to get a good interest rate on a major purchase for my business. It is difficult to understand as a consumer why there is such a huge disparity in the adjustments. If the ideology is for consumers to maintain good credit and pay off your debt, why are you negatively impacted by doing so? For four years all payments were on time and subsequently the loan was paid off. However, we do not want you to be able to obtain new credit, a home, or other financial strength so we are going to negatively impact your score as a result! How does this make sense to consumers? It seems as if the real ideology is for Americans to stay in debt always keeping an account open. I think credit bureaus should be better monitored and reporting standards should be the same across all 3 bureaus. This is unfair and poorly regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have an Auto Loan with TD Bank I have tried for months to access auto payment via the website and it never worked, so I would have to call each month after attempting to pay on line and set up auto draft to make my payment. They would give multiple amounts even though it was a fixed payment, and I would pay and repeat again the next month .. I would over pay and it would confuse them even more.. I would call every month and repeat the same process .. in XX/XX/2019 I received a credit alert that my payment with TD Bank was late in XX/XX/2019 I immediately called and said this can not be as I go through a hassle every month. They said they see all their system notes but they are automated and it is what it is .. This is poor customer approach as all payments have been made and their site is not operating correctly. I am very disappointed with them and would not recommend or use because of this inaccuracy of their part XXXX each person is so difficult to talk to and never assists correctly and delivers wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: AP

Complaint narrative:
2 days ago I received email notification from credit monitoring that a collection account had been added to my credit report. Upon reviewing my credit report I found that CBE had listed a {$290.00} collection account on my credit report with an original creditor under the name of that I had never heard of before. I never received any communication prior to the email from my credit monitoring system. I do not know the bill or who the agency or creditor. I was never contacted by either prior to or after placing the collection on my credit report. Further the account lists a first delinquency of XX/XX/XXXX. I am an expat and have lived overseas since XXXX. I have accounts that I maintain in the USA but none from a original creditor by the name of XXXX XXXX that's listed on the account. I have had no delinquent accounts of the counts that I maintain in the USA. My payment record has been fawless and this entry ruined a nearly 32 year perfect payment record. This account needs to be verifed and removed from the credit report as it is inaccurrate and doesn't belong to me.

Company response to consumer: Closed with explanation