vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 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: FL

Complaint narrative:
Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. Experian, XXXX, and XXXX are reporting accounts that are not mine and are allowing these collection agencies report false information.

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 2020-09-10 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: CA

Complaint narrative:
ALL 3 CREDIT AGENCIES CONTIUNE FREASH DATA REPORTING FRAUD ACCOUNTS AND NEVER DONE BUSINESS WITH COMPANIES, ACCOUNTS OUTDATED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a chargeoff on the XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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 2020-09-10 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:
I've disputed this account because it is incorrectly reporting on my EQUIFAX credit report. 

I've attached the screenshot of my report I paid for today XX/XX/2020. You'll see that on XXXX it is " Exceptionally payment history ''. I've never missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: FL

Complaint narrative:
Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, Equifax, and XXXX  are reporting accounts that are not mine and are allowing these collection agencies report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I called on XX/XX/XXXX, this company collection agency named XXXX XXXX XXXX, to find out, for what reason, this collection agency, does not stop harassing me. the agent I spoke with explained to me that I owed the sum of {$280.00} for the company XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, CA XXXX. I refuse to pay for this rental agency, or it found my last accommodation. before making the inventory and handing over the keys to the manager. it was clear that I had paid all my rent for my apartment and that I had left the apartment without any damage.

I always had problems with this apartment rental company when I was living in this apartment. sometimes the manager asks me to pay my rent for the month and when I paid the next month which showed that I didn't pay my rent for the last month ... this rental agency did a lot of error with my rental agreement so now I refuse to  pay the amount that asks me. I am also filing a complaint against this collection agency, which does not respect my privacy and harass me every day with phone calls and texts. I told this collection agency agent, before hanging up, that I know my rights and ask them to stop harassing me right away or I will file a complaint against this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX is trying to collect on a debt that was charged off >7 years ago.

This debt was satisfied with the original debtor more than 7 years ago. 

XXXX XXXX XXXX is sending mail regarding a debt that was charged off and satisfied. It has been more than 7 years. 
Ge money bank and was charged off

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 2020-09-10 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: CA

Complaint narrative:
ALL 3 CREDIT AGENCIES CONTIUNE FREASH DATA REPORTING FRAUD ACCOUNTS AND NEVER DONE BUSINESS WITH COMPANIES, ACCOUNTS OUTDATED

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 2020-09-10 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: CA

Complaint narrative:
ALL 3 CREDIT AGENCIES CONTIUNE FREASH DATA REPORTING FRAUD ACCOUNTS AND NEVER DONE BUSINESS WITH COMPANIES, ACCOUNTS OUTDATED

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 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
This account is a charge off/closed

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 2020-09-10 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: FL

Complaint narrative:
Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, XXXX, and TransUnion are reporting accounts that are not mine and are allowing these collection agencies report false information.

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 2020-09-10 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: FL

Complaint narrative:
Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. Experian, XXXX, and XXXX  are reporting accounts that are not mine and are allowing these collection agencies report false information.

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 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have two charges for flights that were cancelled due to COVID. In both cases, the airline has agreed to give me a refund, and in both cases a refund has not come through. Below are the details of the charges. 

XXXX - Flight booked XX/XX/XXXX for {$140.00}. Flight departure date : XX/XX/XXXX, XXXX flight was cancelled by the airline on XX/XX/XXXX with agreement for a full refund. As of XX/XX/XXXX the refund has not been granted. Chase will not assist with the refund. 

XXXX XXXX - Flight booked XX/XX/XXXX for {$420.00}. Flight departure date : XX/XX/XXXX. The flight was cancelled by the airline on XX/XX/XXXX with agreement for a full refund. As of XX/XX/XXXX, the refund has not been granted. Chase will not assist with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX and Transunion should not be reporting a chargeoff on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus 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 2020-09-10 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: TN

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a chargeoff on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus 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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Prosper Marketplace, Inc.
State: MT

Complaint narrative:
I called PROSPER, XXXX XXXX, & XXXX to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that Prosper IS NOT reporting my monthly payments to all the credit bureaus, XXXX XXXX, & XXXX. Furthermore, PROSPER, XXXX XXXX, & XXXX has a note on my credit report which states " National Disaster ''.

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 2020-09-10 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: CT

Complaint narrative:
The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Removal date : XXXX 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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
For over a year now I have received assistance from my local township to help pay my mortgage. Due to this I have had to make partial mortgage payments. The township pays {$300.00} in the beginning of the month and I pay the remaining at some point in the month as well. I have exclusively worked with XXXX XXXX, Loss Mitigation Specialist XXXX ( Office ) XXXX ( Toll-Free ) XXXX ( Fax ) XXXX For over a year. I check in with him every month to ensure all payments have been received. Most recently I contacted him in XXXX of XXXX because strangers were taking photos of my home and stated they were from Shellpoint. I asked him if anything was wrong and i was assured by him that the mortgage was in current standing. 3 weeks later I receive a letter stating that the mortgage is past due {$2700.00}. So I called to find out what was going on. I couldn't get in contact with XXXX XXXX so I spoke with whoever was available. The women told me that the mortgage was past due because there was never a payment made in XXXX of XXXX and we have been past due since then. Imagine my surprise since i have spoken to XXXX XXXX every month. She stated that if I had proof it was paid that the mortgage would turn current. I sent them all the proofs of payment, and they still sent me another letter stating that I am past due. I have contacted them on multiple occasions asking how is it possible that the mortgage is still past due. No one will return my calls, no one will return my emails, XXXX XXXX refuses to answer me. They are not threatening me with foreclosure. i have proof of every single payment made to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
PHH sent me a loan Modification package, completed it. Made payments on time during the trial period. Started to make regular payments. PHH sent a final doc to sign along with the terms of agreement. Interest rate was good. They gave no details on the numbers they provided. A balloon payment of XXXX was provided. No information on how they came up with those numbers. 
I requested a breakdown of these numbers, and the person I was speaking to said they would request the info. for me. In the meantime, they give me a extension on my signing the final Modification package. After a 3 to 4 weeks I called in again. Person said they saw the request and gave me another extension. Weeks go by and I call again ( third time ) this time she said that the info in being mailed out to me. She informed me to go ahead and sign the package and if I had any disputes with PHH I can do so without worrying about accepting the Modification package and not being able to dispute anything. So, I signed and sent it off. No one offered me this idea to me in the previous calls. I did get the info. I got a letter a week or so later informing me I am no longer eligible for the loan modification. " You failed to return the final modification agreement within the required time frame. '' The three calls I made into PHH are all there. Everyone can see the notes. But the people who sign off on this does not care. The notes are not in dispute. 
Second problem. I made a partial payment on XXXX of XXXX and it was returned to me on XXXX because I was now required to make a minimum payment of XXXX. 
On XXXX I made a payment of XXXX and on XXXX they returned it back to me. Rules keeping changing. Now I am required to make a full payment or nothing. I could not afford to make a full payment. I could have been making the regular payments but no. 
PHH add over XXXX in late fees and different kinds of penalties, legal fees over that same time period. The same time period they refused to allow me to make any type of payments. 
On the one hand they refused any type of payment from me and on the other hand they charged me penalties for not making payments. My penalties would have been a lot less had they allowed me to make payments. 
All the notes I referred to are in their system. I do not have access to them. 
Very frustrated at the moment. 
They say they are sending me a new package to file all over again. 
Any help would be greatly apricated. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: MN

Complaint narrative:
During this Covid-19 pandemic I have been receiving strange emails and phone calls. I believe my information was fraudulently used to try to obtain Credit Cards, Auto Loans, etc. 
These are the following Inquiries that I have noticed to be Unauthorized/Fraudulent. 

XXXX XXXX - XX/XX/20 XXXX XXXX XXXX - XX/XX/20 XXXX XXXX NA - XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX - XX/XX/20 XXXX XXXX - XX/XX/20 XXXX XXXX XXXX - XX/XX/20 I have contacted these creditors to inform them of the issue. I was to to dispute them directly to Transunion and they will agree to remove it on good faith. 
I am requesting Transunion remove the Inquiries listed.

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 2020-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Bought a mattress from Macys XX/XX/XXXX I did not have enough credit available on my regular card. The salesman called Macys and received approved for {$3800.00} and did not explain that this was a 24 month program and if I did not not pay if off during that time I would be charged {$2700.00} in XX/XX/XXXX. I have made regular payments on this account since then and today got my statement that shows a balance {$5500.00}. I mentioned that the salesman did not explain the details of this type of account and that I was in no position to pay it off to avoid the extra charge. They offered me arrangement to may {$840.00}. for 3 months until XXXX and they would waive the {$2700.00}. I stated that due to the COVID-19 pandemic I was not able to make such a payment and was in a mortgage forbearance with my Mortgage. Again, had the salesman gone over the details of the credit, I would not have made the purchase that day. They should have explained the details. Now I own more than the mattress cost. I will be pay double the amount. I talked with 2 customer service reps and 2 superviser. They did not offer any reasonable solution. SHAME on MACYS.

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 2020-09-10 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XXXX XXXX the vehicle was repossessed in XX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with US XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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