vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
The account in Question is with American Express. The payment was delinquent and was eventually charged off. The problem is the American Express is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and American Express nor the 3 Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XX/XX/XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games American Express is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all 3 credit reporting agencies and they continue to report the innacurate information. According to American Express, XXXX, XXXX  and XXXX  now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: AL

Complaint narrative:
When the COVID first started, three weeks later I told them that my mother had passed do to COVID and said they was sorry and that, put lately they been forcing me to pay XXXX on a close account, after I told I couldnt afford it due to the money I have, but they keep trynna forced me to pay and they said they was gon na sue me if I didnt pay the full amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  sent me to collections and this is not my debt it is my brothers I tried disputing the item and it was deleted by XXXX then when I disputed it with XXXX  they did not delete the item in question XXXX XXXX took 30 days to investigate and XXXX  only took 2 days I wish to have this item deleted because it is Affecting my credit and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This complaint is directed to Mr. Cooper Mortgage LLC. Thanks to your efforts, XXXX mortgage disclosed that our mortgage payment we made to them on XX/XX/2020 was inexplicably reversed and sent to my new loan servicing company, Mr. Cooper, on XX/XX/2020. Mr. Cooper never applied the {$1500.00} payment to our mortgage. I have called and messaged Mr. Cooper several times with copies of the documentation including the confirmation that they had received the XXXX delivery of the money from XXXX. I have still not heard what happened to our money. They initially denied they received the money from XXXX and it took me a while to have XXXX provide documentation that this transfer had been completed on XX/XX/2020. The payment has not been applied to our loan or refunded to us as of today nor has Mr. Cooper been responsive to our repeated requests for information about the money. In addition, our credit has been adversely affected with 30 day late payments reported to the credit bureaus and this needs to be reversed as not only did we make the payment on time, we also made an additional payment in XXXX to cover the payment Mr. Cooper lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America sent a letter to me that they had put my home into foreclosure after i explained to them that i had been laid off permanently from my jobXX/XX/2020 due to Covid19 and i needed forbearance. This is in direct violation of the CARES ACT.

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 2021-02-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
its now been more then 45 days with no response. i sent in a letter on XX/XX/XXXX and XX/XX/XXXX with failure to validate negative accounts which are defamation of my character. also no response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: MS

Complaint narrative:
XXXX XXXX ( credit card services ), reporting my account to Experian Credit Bureau as delinquent on XX/XX/2021, when it has " Never '' been delinquent. Also, it is reporting wrong amount owed, thus my credit score went down 7 points because of the inaccurate information reported. The amount in question is {$1100.00}

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 2021-02-03 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:
Trans Union fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX  fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX XXXX REPORT INCORRECT BALANCE ON ACCOUNT

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 2021-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
I requested a signed contract between myself, and AD Astra in XXXX of 2020. They responded with a contract between myself and Speedy Cash with an electronic signature. They have yet to respond to me requesting they send proof that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I received an escrow check in my deceased husband and my name. Check dated XX/XX/XXXX. I contacted NewRez LLC and requested the check be re issued in my name. I did not hear anything so I contacted them on XX/XX/XXXX to inquire. On tis date I gave my routing info for my bank and was told it would be in my account within 2 days. It was not. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and to this date XX/XX/XXXX it is still not in my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have tried to connect Credit Collection Services via mail twice but they have not responded with letting me know how I owe them this debt. They are unable to verify or validate that I owe them a debt. 

I have requested that they stop reporting this account to XXXX  and delete it. 

CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account number as reported : XXXX Amount reported {$110.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: LA

Complaint narrative:
The following inquiries are on my report and I did not authorize them. I tried to get this resolved but Transunion said they can not help me XXXX  XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX 2019

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I pay all my bills by bill pay. They did an escrow analysis adding a charge of XXXX . In XX/XX/2020 they sent an up charge, Since they were sending unlimited advertisements to me I apparently missed their notice. In XXXX I called and was notified I Did not pay their up charge that I could pay it on the next Payment. I paid it then. They then notified after cashing the {$1100.00} payments, that my payment was 30 days late, of course this has affected my credit rating. NewRez loan number XXXX.

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My loan was recently taken over by Mr. Cooper home mortgage loans XX/XX/XXXX. In that time they have double charged me twice, when disputing payments that were never authorized on my behalf nor scheduled on my behalf they charge me fees to dispute. When contacted them in XXXX for XXXX XXXX charge they instructed it could not be waived, even though the disputed charge was never scheduled on my behalf. Again  XX/XX/XXXX another duplicate payment was made not authorized by me, I have confirmation emails showing my one monthly payment only. When contacted company to dispute they yet again charged me another non-waivable fee for a payment they made an error on. When asked if this was going to occur every month I schedule a payment they had no response. When asked to speak to a manager they changed the subject and ended the call. When scheduled a call back on Monday XX/XX/XXXX a call back was never received. I now have XXXX XXXX worth of disputed fees attached to payments I never authorized in the 2 months they have had my loan. I have reported to XXXX but have not heard back in regards to this matter. I want to be able to pay my monthly mortgage payment without having to worry about being double charged, lied to, and made a fool when I have been a homeowner for 13 years I have never experienced issues and customer service more horrendous than Mr. Cooper. They should not be in business let alone doing this to hardworking people who pay and have impeccable credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I have XXXX XXXX reporting on my Credit Report as this is a incorrect error, From XXXX, I have No knowledge of this debt! Account # : XXXX! Phone number : XXXX!! Pleaseeeeee, Im, asking, too, Remove, this debit, Completely off, my, Credit Report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 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: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
I am disputing information being listed on my credit report. I spoke with XXXX at XXXX XXXX XXXX XXXX about an account being listed as my insurance company collected the money from my HSA account and paid the hospital directly. I spoke to someone about the account with southwest Collection and informed them that my Insurance company has been contacted and will pay the facility directly. They listed it on my credit report stating I owed them for the medial bill in which I did not OWE them I had my insurance company create and pay the bill through their medical system. 

I then seen the information listed on my credit as " Unpaid " and now " Paid " 1. I did not pay Southwest collections company .My insurance handled the billing.

2. I informed them that I did not owe them and they need to stop reporting as it is illegal to report false information on my credit report.

3. They should NOT own this debt as when I emailed XXXX at XXXX XXXX XXXX XXXX she indicated that she will be having someone reach out to the collector and tell them they can't collect or own the debt any longer. 

I sent several emails to the collections agency in which they responded to none of my emails or letters sent. I also copied them in on the letters I sent to XXXX XXXX indicated the account will be recalled from their agency. I again di not pay them so I want this collection off my record. My insurance took care of the money in which I communicated with them and XXXX from the beginning. That XXXX must have miss communications and when they finally settled it they should not be reporting. If you say I owed you money send me a signed contract I have with this collection firm if not REMOVE THE CREDIT LINE FROM MY ACCOUNT. send me a SIGNED contract with my name on it. I am also sending a verification letter to the CB as well for documentation on this account and to see what all is being listed. I will not let people damage my credit reputation due to miscommunication from companies in which I clearly indicated I did not owe any thing to and a contract can not be provided according to the FCRA 611

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Great American Finance Co
State: CA

Complaint narrative:
The company Im disputing is Great American Finance, I had gotten a lawyer a while ago, and got all my debt cleared up. This specific company came back on my report stating that I still have a past due balance due. Even though I disputed the amount to them, it came back as current info. I have tried calling this company numerous times to get a hold of someone to get a better understanding as to why it came back on my report, and/or I will just pay it off so its not on my report again. Please help the best you can. Thank you a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am having problems with Identity Theft and someone fraudulently opened the account in my name. This bank does not have a phone number to call so I have been emailing them with no luck in them helping me. I keep getting the same automated responses back and just want to talk to someone about it. This whole thing has been extremely frustrating and now this bank doesn't seem to care if they help me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notification that XXXX XXXX  XXXX XXXX and XXXX- xxxxxxxxxxxx XXXX was a new account on my consumer credit report. This account was previously deleted back in the year XXXX and also XX/XX/XXXX and I did not receive a notice from Equifax nor the original creditor XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. Also, I received written notification that this item will be deleted because it violated my rights under the FCRA ( See ATTACHMENT ). Also, the following account ... XXXX XXXX XXXX XXXX is in violation of the law where it states that I must receive written notification that the account will be re-inserted within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ) from the original creditor or Equifax. I did not get written notification of this fraudulent account. Please also do a fraud investigation for the following unauthorized inquiries : XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SOLUTIONS-XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: LEXISNEXIS
State: PA

Complaint narrative:
I filed a complaint against LexisNexis with CFPB ( # XXXX ) on XX/XX/XXXX. I finally received a letter on XX/XX/XXXX dated XX/XX/XXXX from LexisNexis stating that I can access my report online and they provided a PIN. When I attempted to access my report, I received a message that my PIN had expired because it was only good for 30 days. I received the letter 49 days after it was dated. I called LexisNexis today and was told that they are unable to provide a new PIN to access my report and that they would have to send another letter in 7 - 10 business days. They were unable to connect me with a supervisor for assistance. I originally requested that they correct my report in XX/XX/XXXX and filed the complaint with you when they failed to make the legitimate corrections. I was also informed that they are unable to email the report to me. This has been an extremely frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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:
XXXX XXXX fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



EQUIFAX fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX XXXX REPORT INCORRECT BALANCE ON ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent in a debt validation request via USPS certified mail to Franklin Collection Services. The company received it on XX/XX/XXXX. A copy of the letter will be attached. Franklin Collection Services NEVER validated this alleged debt but still reported it to the credit bureaus. On XX/XX/XXXX, I sent a None Response letter to them, and it was received on XX/XX/XXXX. To this day, Franklin Collection Services is still reporting this unverified, erroneous item on my report and have not validated it. They are illegally placing it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Nelnet, Inc.
State: GA

Complaint narrative:
On today, XX/XX/XXXX, I received an alert from TransUnion that a Nelnet account was reporting 120+ days late. This caused my credit score to drop 61 points! I called and spoke with a representative and she said that they have not reported on my account since 2016 and that my account was paid in full through consolidation. I demand that this account is removed or updated to show accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I gave an online love interest my personal information including my social security number, my birthdate, family information including security questions, and address. I'm going to be receiving S.S.D.I benefits starting XX/XX/2021 and am concerned about it's security with this person who has my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation