vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
on XX/XX/2020 I recieved a online notice from Flagstar Bank that they would no longer accept ACH payments from my XXXX account. This is the same account that they have accepted payments from for two years. They are mandating that I only use a Personal bank Account to make the ACH payments from. I talked to their customer care supervisor and she took my complaint and said there was nothing she could do since they changed payment providers. I need to know if it is legal for them to deny a mortgage payment via ACH from a business bank 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 2020-11-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX, has received my credit card utilization 3 times in the month of XXXX from Capital One and each time has reduced my FICO score significantly. I have no other conclusion but to feel harassed and that Capital One is feeding XXXX with such information. Dates my credit card purchases, payments were reported during XX/XX/2020, are : XXXX, XXXX and XXXX, neither are in line with my billing cycle and both companies blame the other. 

In addition, XXXX has reported a 120 day late payment on an US Dept. Of Education loan as being 120 days late during the pandemic, reported from XX/XX/2020, when currently are payments to student loans are suspended and interest rate is at 0 %. why did it take them until XX/XX/2020, coincidentally when I started to try to repair my credit to report a 6 month old payment. 

Lastly, There are two accounts that I asked be VERIFIED, XXXX and an collection account in the amount of {$670.00}. Not only will they not provide information to validate these accounts to me directly, they keep reporting such information as accurate. Validation requires XXXX to provide my signature on documents that show my agreement to pay both companies, when the account was sold to collection, the date, amount it was sold for and proof that I owe said company. XXXX failed to validate both accounts in 30 days.Validating both accounts and removing them would increase my FICO score significantly and their failure to do so, would explain their reluctance. Also, they changed dates on both of thee accounts, so that they remain on my credit report longer. XXXX recently changed dates to XX/XX/2020, these dates enable them to keep negative items on your report longer than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MT

Complaint narrative:
Barclays Bank has incorrectly posted a 30 day late on my credit and Ive tried everything possible to get them to fix their mistake and every time I have called they have transferred me around from agent to agent, with some calls lasting hours and every time they say it will be looked into and corrected, it never happens! I can not take hours out of my work day waiting for one of their representatives to pick up my calls - and when they finally do, I either get passed around from person to person or simply hung up on. 
Im sure Im not the only one that has had problems with Barclays service. Their repeated failures have had a grave effect to my perfect credit history and is both effected my construction business ( Im not able to open any credit accounts for building materials ) as well as my ability to refinance my home like the majority of Americans have done to take advantage of favorable interest rates. 
I hope your organization can help me ( and others ) who have been forced to suffer at the incompetent hands of Barclays Bank. 

Thank you 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 2020-11-30 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/XXXX, SYNCB/TJX CO DUAL CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-30 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: NY

Complaint narrative:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted a dispute with Experian for XXXX XXXX University, it is reporting a bad debt starting in XX/XX/XXXX. I last attended this school in XXXX, no balance when I left and I have student loans which covered the cost of the education. I have not been been contacted by the school in XXXX, XXXX, XXXX, and XXXX on a balance. Experian has confirmed the debt but I have not been able to confirm at all with the school and the school has not provided proof of the debt, this debt is inaccurate and needs to be removed, thank you for your 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 2020-11-30 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX XXXX should not be reporting to Experian a collection/chargeoff in the amount of {$120.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I paid {$120.00} directly to the clinic. I have attached a copy of the bank transaction showing this account was paid on XXXX. This account needs to report a {$0.00} balance and not be reporting as a collection/chargeoff. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureau to fix 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 non-monetary relief
Consumer complaint received 2020-11-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX, 2020 I sent a dispute to Experian about XXXX item on my credit report, on XX/XX/XXXX, 2020 they reply back saying " This item was removed from your credit report ''. However, a couple months later they reinsert a previously deleted item without notify me.

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 2020-11-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For 10 months I mailed dispute letters to XXXX, XXXX, and TransUnion regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX  Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/2020 directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies XXXX XXXX, XXXX, and TransUnion ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

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 2020-11-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
Ive filed several complaints with This organization and Conduent. To no avail, Im brushed off and the problem is slightly overlooked. Im still showing pending transactions/holds on my card ; being double charged for items beginning in XX/XX/2020. Ive contacted the vendors that see the problem but they say I need to speak with the bank to fix the problem ; conduent/Way2Go sees nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IA

Complaint narrative:
There was not an option specifically tailored to my needs. 
I had a {$100.00} balance with a utility provided after I ended services with them. 
It was missed and on XX/XX/XXXX I received an alert from XXXX. I pay all my bills on the XXXX of each month, and included it to be addressed and paid in full on XX/XX/XXXX. 
I.C Systems reported the same collection 5 times to my credit, resulting an a credit score decrease of 24 points. All the while I am in the process of increasing a business credit line. 24 points is detrimental to a business owner, and reporting the same collection 5 times in one month should not be allowed, and should not effect someone's credit score that dramatically.

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 2020-11-30 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Whom it may concern, My home loan has been bought/transferred several times, I now realized one of those changes affected my credit score very badly. 
On XX/XX/2017 my mortgage payment was processed on time for {$1700.00} and also additional to principal for {$1000.00} ( attached NationStar statement as proof ). 
The lender made a change in its system that result on a system error, creating a Payment Reversal on the same day without any warning or notification. 

I received a call a month later, I was informed about the lack of payment for XXXX and the missing payment on XXXX, I submitted both payments right away ( also additional to principal ). 
I was told about the system problem, they promised to remove any late fees and clearing any negative report that could affect my credit score. 

I am contacting you to request your help on this matter, this negative inquiry to my credit was done recently ( 3 years later of the incident ). I do not think that I deserve to have this derogatory record on my credit score because there was not fault on my side. 

Please let me know what I need to do to fix this problem, I need to clear my credit score as soon as possible. 

Please find attached : Utility Bill, DL, Credit Inquiry and NationStar payments statement Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XXXX. XXXX, XXXX, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-30 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depot false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call Loan Depot and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting loan depot we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that loan depot sold our loan to XXXX XXXX. This was around XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to XXXX in XXXX. How can you have a late payment that month? I was not even able to pay loan depot anymore, my payment were to go to XXXX XXXX. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sound Collection Services
State: WA

Complaint narrative:
On XX/XX/2016 I informed my renters management company I would be moving out due to a severe illness that was not getting better. I owed for the month of XXXX, which was XXXX . I moved out on XX/XX/2016. I had movers, my parents who took items to the dump, and an arranged pickup from XXXX center for the XXXX to take items I wouldn't be taking to storage. I left the keys in the house as nobody was in the office when I left, and informed them of the whereabouts of the keys. Two weeks later I received a notice in the mail stating I had left some items in a shed, and that the items would be sold and whatever monies gotten from that sell would be credited to my account. 6 months later I received a notice from a collection agency, Sound collection services for the amount of XXXX XXXX I contacted them and it was for damages to the residence I vacated in XXXX. I asked for an itemized bill, twice, once on the phone and once in writing, and my requests were ignored. The original debtor ( XXXX  XXXX ) kept a XXXX $ deposit. I was never notified I owed this money from them, and they would not do a walk through with me when I moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial Systems filed a collections against me with the 3 credit bureau companies for XXXX XXXX XXXX XXXX XXXX stating I did not pay them. I spoke to Commonwealth and they agreed that is was not my debt and they will remove the debt against me and report it back to the 3 credit bureaus to clear my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: VA

Complaint narrative:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.

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 2020-11-30 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: TX

Complaint narrative:
Over 10 months I mailed dispute letters to Experian, XXXX, and XXXX  regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX  XXXX  to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on over 10 months directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies ( Experian, XXXX, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

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