vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: NBT BANCORP INC.
State: FL

Complaint narrative:
To whom it may concern, Ref. NBT bank Account XXXX XXXX On XX/XX/XXXX at XXXXXXXX XXXX I paid the total amount due at the time, via phone, the customer service rep told me everything was fine and my next payment will be on XX/XX/XXXX. I specifically asked when was my next payment. ( Payment was made on XX/XX/XXXX their system reflects it on XX/XX/XXXX ). 

Unfortunately, they reported me on XX/XX/XXXX ( minus XXXX points on my score, this will appear on my records for 7 years ) on a Saturday, they were closed already. The information provided by the customer service rep was inaccurate and misleading as they did not say I was getting reported even though I paid. And I was reported after I paid. I placed a complaint through XXXX and they said the information was correct. If they cant return my points at least they have to say the true and add a note saying that they reported me after the account was paid. They damaged my credit, they do not address this issue either as I contacted them several times and they told me they were working on it, they were not they simple added more damage saying that their info was correct. I cant emphasize this enough they reported me even though the account was paid, they reported me after I paid. The information is not correct since they are not even making a note in my records telling that account was paid on XX/XX/XXXX however NBT reported it on XX/XX/XXXX, at least they have to give me that. Because XXXX the true. 

This was a loan for the education of my son, he is a special needs person. This is causing him tremendous stress, the past 2 years are been very difficult and the last thing we needed is something like this. He is dealing with XXXX  and XXXX. NBT actions were unnecessary, a total lack of respect for a customer and a display of an institution doing what they want without any regards for their customers or peoples lives. We are more than a number, we are people dealing with many different issues and regardless of that we ALWAYS paid. The account was paid, however they reported me because they have the power to do so. 

Enclosed are copies of my records ( phone call record when I made the payment, payment, credit report ). 

I look forward to your reply and a resolution to my problem and will wait before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: GA

Complaint narrative:
attached isa offfial copy of my chapter XXXX bankruptcy discharge date and time XXXX number from the judge who discharged my bankruptcy XX/XX/XXXX XXXX proof!

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 2022-02-09 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: GA

Complaint narrative:
I have been trying for years asking XXXX and Equifax to delete erroneous and incorrect account information off of my credit report. Currently a company called XXXX XXXX is sitting on my credit report without a account number XXXX XXXX and XXXX XXXX that doesn't even have account numbers are all a part of my identity theft. They have stalled and stalled and ignored my request to delete. I have sent to them multiple times my drivers license and the Atlanta Police Report and Federal Trade Commission Affidavit only to have no actions taken. My information was stolen and used and I demand deletion of the incorrect reporting information. My creditworthiness is important to me. 

What XXXX and Equifax always does is send communication back saying they can't locate the information that I am requesting stalling and stalling until I give up. 

XXXX and Equifax has failed to follow fair credit reporting and ignored my identity theft. 

Shows XXXX XXXX open XX/XX/2015 which is past the Georgia statue of limitations reporting. Please Delete as per XXXX has the same error reporting twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My mortgage lender, XXXX XXXX XXXX  transferred my loan to PHH Mortgage as of XX/XX/2021. There is a loan modification that is supposed to be taking place in order for me to become current on my payments ; however, I have not received any official information from PHH as of today. I have called them numerous times over the past two months, and had several scheduled phone appointments with their representatives to discuss the plan for my repayment- only to be told that they need additional time to process and review my loan. I was told initially that I needed to sign a packet with information regarding my modification and return it to them to process the modification. I was also told that I didn't need to complete this packet and they had all the information they needed from me. Either way, I have received no such packet. I have received letters about my delinquent loan ; however. I've also received calls to collect the money owed. On my end, getting in-touch with them is extremely difficult. A couple of weeks ago I tried to speak to a manager, and after holding for XXXX minutes I was hung up on. I have never received such horrible customer service. I am so afraid that my mortgage will default to the point of foreclosure, and I don't want that to happen. All I want is to get the loan modification underway, and become current on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: FL

Complaint narrative:
I have disputed an account XXXX  with XXXX XXXX XXXX that has paid in full but is still reflecting the full balance. The account was paid with proceeds from the sale of my house at closing. The title company has supplied me with a copy of the check that cleared the bank and proves they have received the money. I have submitted this and the account only got updated that the balance is still due and increased. Dropped my score XXXX points while in the middle of buying a house.

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 2022-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
WellsFargo Bank concluded my account to be declined another distribute a account beginning with man dealing social security functional account to do indigent shopping distribution of faux cd 's money better if not there.

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 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have always been in a deferment or a forbearance option through XXXX. I have never missed a payment due to my elegibility w my income due to 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 non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX did not send me a bill for my purchase in XXXX. When I called today they said they emailed it to me. I explained I do not get bills electronically and only get paper. They did this to my spouse too. Please someone look into this. So many people are going to get lat fees and interest charges for something they did not sign up for. 

Respectfully, XXXX 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 2022-02-09 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: TX

Complaint narrative:
Experian has failed to do their due diligence in they investigation and facilitated fraudulent activities by removing inaccurate information and then putting it back on my consumer report, which has resulted in significant damages such as defamation of character and humiliation, as shown in the attachments below. Experian is also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent. And I know banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( 1 ). As a result of their carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow them to furnish a report on my behalf. Furthermore, by providing credit transactions that are to be excluded from my report, they violated 15 USC 1682a ( 2 ) ( A ) ( i ). As well as in accordance with 15 USC 1681a ( 4 ), I did not initiate the credit transaction, which constitutes aggravated identity theft. Experian were not giving any written instructions about furnishing things on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following conditions : in accordance with the written instructions of the consumer to whom it relates.

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX denied my credit card application which is against federal law. I have attached my letter to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
In XXXX 2021, I was refinancing with XXXX XXXX  XXXX XXXX ], & they were trying to rush things along in order to meet their monthly 'quota, ' so several weeks before the scheduled closing, I started asking questions to ensure I was receiving the best refi option for me, which is my right. However, XXXX/my mortgage officer [ MO ] didn't like this, so they followed up with various delay tactics. During the refi process, the MO had told me that there would be no payment due for the closing month, as the loan would close before the end of the month, but it didnt [ close ], even though I was approved and had all of my paperwork and requirements submitted. The XXXX to last day of the month, I received a call from the XXXX MO who told me that half of my payment was still due for that month and it had to be paid in order to close the loan on the refi [ also, throughout the refi process, I had lost all online access to my CURRENT mort, I only had access to the NEW refi loan #, & could not make/change payments to my account ; the MO knew this, as I had reported it to him NUMEROUS times, but he did nothing ]. After the call, I immediately made a telephone payment, because I couldnt access my account online, completely unaware that at the same time XXXX was trying to debit my checking account, and had done so MULTIPLE times, for the same payment ; it was the perfect storm. Needless to say, my bank declined each transaction because I didnt have $ XXXX funds available in my account [ heck, who does ]. Upon realizing this [ and remember, its the end of the month ] it was too late to do anything, XXXX  considered the payment late, reported it to the credit bureaus, & my credit standing has been completely DESTROYED ever since! I've tried to work with XXXX on a resolution, I've called and spoken to multiple employees, but its been no use, they claim its 'against the law ' to reverse a late payment, even though XXXX incompetency & shady practices perpetuated this debacle. And to make matters worse, because of the late, XXXX will not refi a loan with me for one year.. I even filed a dispute with XXXX, but they refused to accept responsibility & found no fault in themselves. I've tried to get another loan with other companies, but either the interest rate is 20 % + or they decline me because of the late report and my low credit score. Some of my credit cards have even closed my accounts because of this, which lowers my score even more. This has been financially devastating, and my hands are tied, I cant move forward in any direction because of this, I'm entirely unable to improve my financial situation, I'm stuck, and I just want this reversed so I can move on!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, Ref. XXXX XXXX Account XXXX XXXX On XX/XX/XXXX at XXXX XXXX I paid the total amount due at the time, via phone, the customer service rep told me everything was fine and my next payment will be on XX/XX/XXXX. I specifically asked when was my next payment. ( Payment was made on XX/XX/XXXX their system reflects it on XX/XX/XXXX ). 

Unfortunately, they reported me on XX/XX/XXXX ( minus XXXX points on my score, this will appear on my records for 7 years ) on a Saturday, they were closed already. The information provided by the customer service rep was inaccurate and misleading as they did not say I was getting reported even though I paid. And I was reported after I paid. I placed a complaint through Experian and they said the information was correct. If they cant return my points at least they have to say the true and add a note saying that they reported me after the account was paid. They damaged my credit, they do not address this issue either as I contacted them several times and they told me they were working on it, they were not they simple added more damage saying that their info was correct. I cant emphasize this enough they reported me even though the account was paid, they reported me after I paid. The information is not correct since they are not even making a note in my records telling that account was paid on XX/XX/XXXX however XXXX reported it on XX/XX/XXXX, at least they have to give me that. Because Thats the true. 

This was a loan for the education of my son, he is a special needs person. This is causing him tremendous stress, the past 2 years are been very difficult and the last thing we needed is something like this. He is dealing with XXXX and XXXX. XXXX actions were unnecessary, a total lack of respect for a customer and a display of an institution doing what they want without any regards for their customers or peoples lives. We are more than a number, we are people dealing with many different issues and regardless of that we ALWAYS paid. The account was paid, however they reported me because they have the power to do so. 

Enclosed are copies of my records ( phone call record when I made the payment, payment, credit report ). 

I look forward to your reply and a resolution to my problem and will wait before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fl 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 2022-02-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Summit Horizon Financial Services
State: CA

Complaint narrative:
Company has been calling me since XXXX of last year and potentially beforehand. The have been using an auto dialer and call multiple times using different numbers even after i block them. I was eventually able to get some information from a representative. The were claiming to be from Student Loan Forgiveness Services and that they worked with the department of education, that I was supposed to have received an email, then they said that my FAFSA account was locked and they needed my password and username to unlock it, I was a little confused but refused to provide my password however they were able to get my password reset. They tried to get me to finalize some sort of forgiveness plan agreement that was supposed to be through the FAFSA website. However when I asked for an email and company name they refused to provide one. However with the help of another individual through a conference call, by calling them back using a number that was provide for their " senior loan servicer '' i was able to get their company name and address. This was the most recent communication with them. I have previously hung up, blocked them, told them not to call me, and have been on the Do Not Call Registry since 2008. The have at least three reports on the XXXX website stating that they have defrauded people. They are calling my cell phone and I have never solicited their business or asked /given permission for them to call me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
Home was closed on in XX/XX/XXXX, conventional loan with XXXX XXXX XXXX, payments made were never reported to credit bureau, after being told of payments were made on time for first XXXX months, home would be refinanced with lower XXXX, called and company said they do not do that, loss mitigation packet was completed in XXXX of XXXX, never received answer til XXXX of XXXX where I was denied due to lack of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
I have been contacted on 2 separate days from XXXX and XXXX claiming to be a collection agency collecting outstanding debt. in my name from the online store XXXXXXXX XXXX. I've never used this store and I would not provide my last 4 of my SSN, my DOB or mailing address.

When I asked them what they had for a mailing address on file they replied XXXX, TX. I have never lived there. 

I told them they could file a collection against me because it is not my debt and I wasn't paying it nor was I providing any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation. 
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor

Company response to consumer: Closed with non-monetary relief