vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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: VA

Complaint narrative:
After reviewing my credit report through my monthly monitoring service, I noticed that items that were previously deleted from my report were re-reported after years have passed since they were deleted. When I reached out to Equifax and requested that this be corrected immediately, I was advised that there is no way to correct this and that my file is split into two. Unfortunately, as a result of this error, Equifax is now given out information that is untrue about me XXXX defamation ) and refuses to correct it. Before I get an attorney and sue them for this violation of federal law, I am asking for the CFPBs assistance in getting my credit file corrected so that it is not split. This conduct clearly represents a willful and wanton negligence on the part of Equifax. I am essentially authorizing and requesting that you investigate this issues and correct it at once. Please see attached my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: NJ

Complaint narrative:
XXXXXX/XX/XXXX - {$5900.00} - THIS CREDIT FILE DOES NOT BELONG TO 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 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
In our complaint submitted on XX/XX/XXXX ( Complaint ID : XXXX ) to the CFPB in regards to our mortgage servicer NewRez dba Shellpoint Mortgage-we requested all the loan and escrow accounting records from the origination of this loan in XXXX to present day. In this response to our complaint, the failed to provide the requested loan accounting records from XXXX to present day-which needed to include how every XXXX of every payment as been applied to our principal, interest, taxes and insurance from every servicer that as ever survived the loan since its origination in XXXX to present day. 

We have asked multiple times for the entire loan accounting history from XXXX to present day, one of which was during a phone call that is recorded. Please see NewRez 's response to our complaint filed on XX/XX/XXXX, XXXX where they failed to provide all loan accounting records which show how every pennny from every panymen has been applied to the principal, interest, taxes and insurance from the origination or the loan in XXXX to present which needed to include all of the servicers that have ever serviced the loan from XXXX to present day. 


As NewrRez failed to provide these documents that we requested in our previous complaint are asking again for all loan accounting record documents that show how every XXXX from every payment has been applied to the principal, interest, taxes and insurance from origination of the loan in XXXX to present day, from every single servicer that has serviced the loan from it's origination in XXXX to present day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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:
I've been disputing fraud accounts and bankruptcy on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was denied credit in XX/XX/2020 due a locked Equifax credit report. I attempted to resolve the issue online but Equifax wouldn't recognize my primary or secondary email accounts. They are impossible to reach via telephone. 

These attempts at contact were followed by an XX/XX/XXXX, 2020letter explaining my quandry and asking Equifax to unlock my credit report. This letter went unanswered. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
last month i see in my statament {$850.00} mount that im not withdraw, i went to the bank and they dont help me, i need to check the person who did it and i need the money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
In XXXX of XXXX, I refinanced my house at XXXX XX/XX/XXXX XXXX, TX XXXX with Fairway Independent Mortgage Corporation. An escrow account was created for property taxes and homeowners insurance. 

In XXXX of XXXX, the XXXX XXXX, TX property taxes were assessed, and the bill was sent in the amount of approximately {$7000.00} with a due date of XXXX XX/XX/XXXX. 

In early XXXX of XXXX, I called Fairway to verify they were planning to pay the tax bill and knew the amount. They internally verified that the amount to be paid was {$7000.00} and that the bill would be paid on XXXX XXXX. 

Sometime in midXXXX XXXX, my XXXX XXXX, TX XXXX application was approved, and the property tax amount was lowered to approximately {$6000.00}. 

On or about XXXX XX/XX/XXXX I checked the XXXX XXXX, TX public records to verify payment of the property taxes. The property taxes were not paid and a late fee of approximately {$450.00} was assessed. That same day I contacted Fairway and I was informed that an 'investigation ' would occur. 

On XXXX XX/XX/XXXX I contacted Fairway again in regards to the property tax payment. The investigation was 'still on-going '. 

At this point, I am majorly concerned with damaging effects to my credit score if the tax bill is not promptly paid. Fairway 's blatant inaction on paying my property taxes is appalling. I do not trust their ability to 'investigate ' this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. This is uncalled for and you are taking advantage of me during a time of Covid. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: NJ

Complaint narrative:
XXXXXX/XX/XXXX - {$5900.00} - THIS CREDIT FILE DOES NOT BELONG TO 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 2021-02-25 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: NJ

Complaint narrative:
XXXXXX/XX/XXXX - {$5900.00} - THIS CREDIT FILE DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management has placed a fraudulent account on my credit for {$220.00} as a collection account in XX/XX/XXXX. I have verified with XXXX XXXX directly that this account was opened and closed in XX/XX/XXXX. I have reported this to Credence and the credit bureaus and advised that Credence is violating the Fair Debt Collection Practices Act by placing a 10 year old account on my credit. My credit was damaged severely by this and this company doesn't care they are violating the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: IN

Complaint narrative:
My initial complaint with Transunion ( XXXX ) was NOT resolved by them. They still have NOT, per my 4 letters I mailed sent me ANY signed contracts or verification of these accounts I requested contracts for. Legally, if they can not provide that to me then they need to be removed from my credit reports. They are not my accounts which is why they have not provided proper SIGNED documentation or contracts from me. They're breaking the law. All they provided was a letter stating that my accounts have been verified. HOW THOUGH? I requested proof 4 times. I sent 4 notarized letters to them and they are still twiddling their thumbs. Legally they had 30 days to update my report and they still have not. I am looking to sue them if this continues and these accounts are not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: WA

Complaint narrative:
XXXX is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now XXXX is saying they opened and account for me on XX/XX/20 on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: WA

Complaint narrative:
XXXX is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now XXXX is saying they opened and account for me on XX/XX/20 on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Nelnet intial loan balance changed from time of loan after paying on time for 5 years the loan a=mount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and Department of Education and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had an account with Wayfair, that is now closed. It was fully paid in XX/XX/2020. 
the credit card service was provided by Commenity Bank. They charged me with an abusive late fee of {$29.00} when the payment was not paid late. I have called and spoke with several agents that refused to remove the fee. The due date was on a Sunday, therefore I paid the balance the day that was due, my bank released the funds within the next 24 hours, so this is an abusive way to obliged people to pay more money. In addition, this account is closed so why they are still trying to charge me?. I will like you to investigate because like me there is a lot of people being overcharged by this kind of irresponsible company that looks for a way to get more money. I have never paid a single account late. I even have a credit in the account for {$10.00} that they refused to refund, so they should use that money if they are not willing to refund. 
I do not recommend Commenity Bank to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: PA

Complaint narrative:
Hello, I trust that you can help me quickly resolve inaccurate reporting on my credit reports with XXXX and TransUnion. Ive worked with both agencies and the inaccurate reporting still continues. 

XXXX  and TransUnion are reporting the XX/XX/2020 payment of my XXXX XXXX XXXX as 30 days late. The creditor has said that they did not report the XXXX payment late, as it was received on time. 

A check was mailed and posted by my bank XXXX XX/XX/2020. Please have TransUnion and XXXX report accurate information and remove the 30 day XXXX late payment for the account mentioned above. I need this done immediately, as it is affecting my ability to secure a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I was a with THE HOME DEPOT/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Bj 's Membership no - XXXX I had Bj 's perk in-club award - {$20.00} and I spoke to customer service person name - XXXX at XXXX XXXX on XX/XX/2021 to get a check to my home address XXXX XXXX XXXX She ordered check and said it will come to my home in 2 to 4 weeks. But that has not come yet. I spoke to customer service today and spoke to XXXX. He said he could not find any old communication in their system. My rewards also expired now. This is total fraud. They don't have records of customer interaction also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Paid off my car a XXXX XXXX  XXXX cant seem to get my title from a body need help bought car at XXXXXXXX XXXX XXXX financed my car at fifth third bank if you could get back to me ASAP that would be great. Thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I initially contacted XXXX regarding the payment information reporting on my credit file and they said it was out of their hands. They stated it wasn't anything they could do. 
On XX/XX/2020 I sent a letter directly to the credit bureaus to validate that the information reporting via XXXX XXXX was correct. I can clearly see that payment information is reporting inaccurately across all 3 bureaus. 
On XX/XX/2020 I sent them a letter asking them to verify how they verify/validate the account. 
On XX/XX/2020 I sent another letter since I had not received a response from all 3 bureaus. 
On XX/XX/2020 I then sent another letter asking them to please delete the late payments from my report since they are reporting inaccurately and they refused to properly verify it with me. 
On XX/XX/2020 I sent in another letter stating I planned to file with cfpb and my attorney general since they are refusing to proceed with a thorough investigation. 
On XX/XX/2020 I sent another letter stating I was going to explore my legal options since I was being ignored. 
On XX/XX/2020 I had send in another letter, and haven't heard anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I initially contacted XXXX regarding the payment information reporting on my credit file and they said it was out of their hands. They stated it wasn't anything they could do. 
On XX/XX/2020 I sent a letter directly to the credit bureaus to validate that the information reporting via XXXX XXXX was correct. I can clearly see that payment information is reporting inaccurately across all 3 bureaus. 
On XX/XX/2020 I sent them a letter asking them to verify how they verify/validate the account. 
On XX/XX/2020 I sent another letter since I had not received a response from all 3 bureaus. 
On XX/XX/2020 I then sent another letter asking them to please delete the late payments from my report since they are reporting inaccurately and they refused to properly verify it with me. 
On XX/XX/2020 I sent in another letter stating I planned to file with cfpb and my attorney general since they are refusing to proceed with a thorough investigation. 
On XX/XX/2020 I sent another letter stating I was going to explore my legal options since I was being ignored. 
On XX/XX/2020 I had send in another letter, and haven't heard anything.

Company response to consumer: Closed with explanation