vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 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 — Problem with personal statement of dispute
Company: The Best Service Co.,Inc
State: NM

Complaint narrative:
XXXX  is reporting that I am affected by any natural or declared disaster. I have asked that this statement be removed from my account. 

I have asked for my own personal statement be added to the credit report XXXX  has refused. 

I have asked XXXX  for the documentation of investigations into disputed accounts reported. XXXX has refused. I have not received any information or documentation on how disputes were conducted and how the results were determined. 

I am not and have not asked for a reinvestigation or investigation of any kind on any account in the credit report by XXXX. This is an ongoing and continuous refusal of XXXX  to provide requested information and add personal statement. 

XXXX The Best Service company is wrong for reporting affected by natual disaster- I have contested this account on credit report for over 3 years. I do not owe The Best Service Company or the alleged originator of the collection. This statement constitutes fraud in reporting. )

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 2021-05-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: DC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX  XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-02 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: DC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-02 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: MD

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I arranged auto payments thru Kohl 's credit account management. I selected " pay in full '' each month and provided my checking account information. For several months, the payments were timely but in XX/XX/XXXX, the payment was not made due to Kohl 's error, no changes to my checking account and my balance was sufficient. I was not notified about the late payment until XXXX, after it was reported 30 days late. Immediately, I paid the entire balance and closed my account when they refused to correct the negative report. Kohl 's ultimately reversed all late fees and sent a check to me. I made two written requests to Kohl 's ( XXXX and XX/XX/XXXX ) detailing their error and offering proof of prior auto payments yet they refuse to correct the error. I advised Kohl 's that they even reversed the fees and this is the sole negative remark on my entire credit report which is resulting in increased mortgage interest, aka financial damages. I was a loyal Kohl 's customer over 10 years and my credit report is otherwise flawless. I have a strong history proving all of my accounts are paid in full monthly. This is an auto payment error on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX of XXXX I entered into a mortgage forbearance with my loan servicer XXXX. In XXXX of XXXX my account was transferred to Shellpoint Mortgage servicing. When they received the loan they immediately began reporting the loan as severely delinquent. I provided proof to them that I was in a forbearance. In XX/XX/XXXX I spoke with Shellpoint and they we entered into a loan modification starting in XXXX. I have made each of the three payments for XXXX, XXXX and XXXX in a timely fashion but they have now reported that I have not made the payments and are reporting me 120 days late on my credit. 

I have written to them, spoken with them and e mailed them to no avail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 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: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show account number XXXX is on my credit report listed twice and is listed as non-verified accounts. I have attempted on several times to have this accounts reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this accounts due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone stole my mail and got a check that was made out to me. They were able to cash or deposit it at a XXXX XXXX location using a fake signature and writing pay to the order of a person I do not know. XXXX XXXX and CFPB say I need to contact the Issuing bank. The check was issued by Bank of America. I would like to get the money back because this was a fraudulent transaction.

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 2021-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
Complaint XXXX was submitted to CFPB on XXXX for issues regarding payments that have been occurring since XXXX of XXXX. Between XXXX and XXXX I have been working on an understanding and resolve. I identified what issue actually occurred, after multiple conversations, writings back and forth between me and Amerihome as well with XXXX  XXXX XXXX, who sends my electronic payments. 

As I figured out the issue, which stemmed from me sending a payment to the temporary account before it turned into a permanent account and Amerihome not following through with what they promised me and XXXX  XXXX XXXX, which was transferring the payment over to the appropriate account, I paid them twice within two weeks as agreed upon at the end of XXXX/beg of XXXX given they had returned the funds to a savings account that I don't check and no one picked up on this for the near six months of back and forth wondering why my payments would show on time then late then on time again. 

A comprehensive timeline detail of this is showing on case XXXX. 

So Amerihome saw the back and forth challenges and in our exchange arbitrated by CFPB there representative agreed to remove the late payment as of XX/XX/XXXX and said it would take the bureaus 30 days for it to show on my report. 

Today is XX/XX/XXXX and the bureau report has not changed. I called Amerihome and after being on hold twice for a total of 90 minutes, was told that they couldn't talk to me due to me needing to speak to the president 's dispute department. The president 's department has not returned my calls or sent a written correspondence except for multiple writings saying " it is under investigation and needs 30 days ' like a groundhogs day situation because nothing moves just the same letter over and over again. 

I am asking for CFPB to open a new case, or re-open old case. I responded on the old case after they said they would resolve that I was satisfied with their response, expecting it to be followed by actions. I just can't believe I am still fighting for this change 10 months after the problem origin. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company NAVY FCU account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: IL

Complaint narrative:
The alleged debt account that was reported to all three credit bureaus is no longer on my credit report and its currently updated right now and i don't know where the alleged debt has come from. I have paid the balance in full on my behalf from what I know of. According to your information that you have gathered, I am a victim of identity theft and I am currently serving notice to this collection agency that is attempting to collect a debt from the original creditor which is I XXXX, XXXX XXXX and I do not validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
An account was opened in my name with Synchrony Bank/Amazon. I never opened this credit account. Synchrony continues to remove the account from m credit report then reopen it with a different number and it pops back up on my report. My bank has done a fraud investigation and has deemed it to be fraud. Any money that was fraudulently deducted from my bank account has been returned to me by the bank.

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 2021-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
PHH mortgage blocked payments online and over the phone not allowing them essentially making my payment late. I was not notified about what to do. I contacted them via phone and was told the website would be working the next day and I could pay. Well the next day came and the account is still blocked. I tried paying over the phone which was blocked as well. They are also using predatory payments meaning they make money on the transaction. They charge transaction fees and are do not advertise how to make a payment for free. Fees start at XXXX dollars per payment.

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 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
We were previously customers of SunTrust Bank from XX/XX/XXXX until XX/XX/XXXX ( XXXX XXXX XXXX & XXXX XXXX XXXX  ). We kept over {$450000.00} of combined deposits with SunTrust in Advantage Money Market Savings account # XXXX and in checking account # XXXX. We closed the accounts on XX/XX/XXXX after a promotional rate ended via a cashier 's check. We never had any overdrafts and closed the accounts in good standing. On XX/XX/XXXX, we opened a new SunTrust checking account online. We received confirmation of the new account number XXXX # XXXX XXXX. I changed my direct deposit information with my employer. The following week, I attempted to log into my account to verify my direct deposit and received a message to call a SunTrust customer service number. I called and learned that our account had been closed. No reason was provided to me after I asked for a specific reason. Thinking that one or both of us may have been victims of fraud, I pulled our credit reports with XXXX XXXX and XXXX to confirm that there was no derogatory information on record. There was none. Our credit is flawless. Our credit scores are both in the XXXX range. I also confirmed that our credit was still temporarily UNfrozen and even contacted XXXX XXXX to confirm that no derogatory information was on record there. On XX/XX/XXXX, I called the 800 number again and asked to speak to a supervisor. I was connected to XXXX XXXX XXXX. She would not give me any information on why our account was closed. She only would say that SunTrust has the right to close an account and that a letter would be mailed to us. We are still waiting on this letter. My direct deposit is in limbo. I find this business practice unethical and discriminatory. A valid reason needs to be provided immediately and verbally or electronically to a consumer on why an account was not opened or closed. A federally regulated bank should not be allowed to operate in this manner. If a bank is able to open an account online, they should be able to provide a detailed response back why an account can not be opened in a similar electronic manner ( online ). Mailing a response days or weeks later by USPS is NOT acceptable. We have suffered undue XXXX and XXXX not knowing if our personal information has been compromised, if fraud was committed, or if an error was made.

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 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
- Received a collection letter from Torres Credit Services , Inc on XX/XX/2021 states that I owe XXXX XXXX XXXX XXXX XXXX the total amount of {$38.00}. 
- Called Torres Credit Services right away and asking for more details. They have a lot of my personal information including my full name, email address, phone number, last 4 digits of social, three addresses I lived in the past two years, the account number I had with XXXX, etc. to make the whole scam sound somewhat " convincing ''. The story on their side is I owed the unpaid utility bill when I moved from one unit to another in XXXX XXXX ( which should be XXXX XXXX  XXXX, not XXXX so that is suspicious ). I asked if that's true, how come I didn't owe money to XXXX XXXX XXXX but XXXX. They explained that XXXX XXXX XXXX outsources their utilities from XXXX, and that's why I owe money to XXXX ( that is suspicious too since I'm having business with XXXX XXXX XXXX, why do I care who they outsource their business to, and even if I do owe them money. It should be between me and XXXX XXXX XXXX, so I asked the account # on XXXX that they " claim '' I owe money to. 
- Called XXXX and gave them the account # I got from Torres Credit Services, and XXXX told me that I don't owe them any money but there is nothing they can do on their side to clear things out. 
- Called Torres Credit Services again to dispute the charge. 

Things that worry me a lot are, - where did they get all my personal information? 
- what are they going to do with my personal information in the future? Or what have they done with my personal information that I haven't noticed?

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