vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: NY

Complaint narrative:
I filed for Chapter XXXX Bankruptcy went through the 3 year payment plan. 

Post bankruptcy discharge my mortgage lender XXXX was not reporting mortgage payments still after 3 years. 

I this reported to the XXXX XXXX and Equifax and furnished by my mortgagee XXXX  statement. Both credit companies did not investigate the validity of the loan, and to date have not reported it on my Credit Report. 

My mortgage was not included in Chapter XXXX Bankruptcy so XXXX should have not stopped reporting them. 

I want these mortgage payments reported on my credit file. 

Like I said I have already provided the credit bureaus with this information and received a response that they were not obligated to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors 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. 130 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 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Called on XX/XX/21 and told me they have papers to serve me at my work or my home, gave me a case number and told me to call them back and place a " stop order. '' When I called they asked for my social security number to verify my identity which I refused to give, they then told me that they sent my case to litigation but could not provide what court it was in. Told me the case number was just an account number with them. I questioned how they could possibly serve me papers without a court case number. They hung up on me after I refused to give them any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive disputed two Bankruptcies that still exist on my report that show a XXXX XXXX to represent me which is incorrect. Ive disputed these items several times and they havent been looked into properly there is never a status change of date the status dates are from XXXX and XXXX. Please remove these files from my report or send me proof of verification as I didnt file these. 
Thanks

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 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: MD

Complaint narrative:
I have been trying to reach out to this company since last month. I have been reaching out to customer service via email and phone. The phone says that there are no available representatives. I am confused with that because i called when the company first opened and it says the same thing. They are not responding to email either. They is getting very frustrating when i am trying to pay my account up to date. They are charging me last fees but how is that possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates and this was not my fault. Thanks

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 2021-07-12 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am getting a hit to my credit every month that reads this : XXXX. XXXX, XXXX Delinquent Account Account Number : XXXX CITIBANK , N.A . 
Student Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Delinquent : {$1500.00} Consumer Statement : Profit and loss write-off I also have several closed loan accounts that were closed in XXXX and XXXX during the class action suit against Citibank for {$3.00} XXXX. I think that I am also due a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: LA

Complaint narrative:
These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! 1. XXXX  XXXX XXXX  XXXX  2. XXXX XXXX XXXX  XXXX XXXX 3. 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 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX Offices says I owe {$670.00} to Jefferson Capital System XXXX XXXX. They have a court hearing scheduled as well. I have not received any full information about this {$670.00}. I do not know where this account is from. However, my first response was - went to call them ASAP to know what is this claim about, but it directs you to their site to settle the payment. And so I did, I submitted my payment plan on their site. But, I did not receive any call or confirmation. So, months later, I called again and their system is the same, it directs you to their site. This time, I emailed them to ask more about this claim, but as of today, I still have not received any information or phone call from XXXX XXXX XXXX. I think this is a scam and Im a victim of their false credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TN

Complaint narrative:
I have had my identity stolen ( Police Report # XXXX ) and am trying to challenge a collection on my report I do not recognize and Experian is not allowing me to dispute except over the phone but I can never get past the automatic operator because there is no option for dispute and live chat agent said that is the only way. I am tired of playing games with them and hearing their excuses.

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 2021-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
My Wife, and I refinanced our mortgage loan for lower interest rate with a new lender ( XXXX ) the month of XX/XX/XXXX. XXXX XXXX XXXX, XXXX finalized our refinance, and submitted the {$360000.00} wire payoff to NTNSTR/Mr. Cooper on XX/XX/XXXX ( 4 days prior to the date that our loan would be 30 days past due on XX/XX/XXXX ). I submitted a screenshot proof via the Mr. Cooper App that NTNSTR/Mr. Cooper applied the funds on XX/XX/XXXX. Unfortunately, NTNST/Mr. Cooper reported our XX/XX/XXXX Mortgage payment 30 days past due prior to closing our account which greatly negatively affected our credit history. I contacted NTNST/Mr. Cooper at XXXX ' twice stating the previous, and submitted a credit letter from XXXX XXXX XXXX XXXX XXXX with my screenshot proof of the {$360000.00} credit via the Mr. Cooper App on XX/XX/XXXX, but I never received a response from NTNST/Mr. Cooper. I disputed this matter with XXXX, XXXX, and XXXX  without acceptable resolution. XXXX  has reported the NTNST/Mr. Cooper account paid & closed but did not remove that 30 past due record. I request for the 30 days past-due record reported XX/XX/XXXX to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Credit Care, LLC
State: TX

Complaint narrative:
National Credit Care had stated that they would be able to remove inaccurate items on my credit report. I must say with much disappointment I have seen Zero Results from they're services which I have paid faithfully for months on end to get an ending result of ZERO. I am asking for a full refund and I have already reported them to the FTC- Federal Trade Commission FTC Report Number XXXX. I have made numerous attempts to resolve this matter directly and kept getting different representatives who would transfer me numerous times in efforts to not address the refund issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc.
State: OH

Complaint narrative:
On XX/XX/2021, I applied for the SoFi Credit card with a promotion stating that once you apply for a credit card and make a purchase by XX/XX/2021 you will receive {$100.00} worth of bonus points within 45 days. I made a purchase on XX/XX/2021, and by early XX/XX/2021 the points had still not posted. I called SoFi who said that I qualified for the promotion and the points will post by my statement ending on XX/XX/2021. By XX/XX/2021, the points had still not posted to my account and I called back and they said I qualified, but they would have to look into and email me. 

I never received an email so called SoFi back the following day, and they said they would submit a ticket and get back to me. 

I still had not heard back, so again called SoFi on XX/XX/XXXX who said they would submit a ticket and I will receive my points in 10 days. 

By XX/XX/XXXX, I still had not received the points so again called. The Credit Card team stated that I was supposed to be awarded the points by XX/XX/XXXX, and transferred me to the SoFi Money team who handles the points for follow-up as the points still had not posted to my account. 

The XXXX team claims the ticket is still opened, and I would receive the points, but provided no timeline for resolution. For points I should have been awarded in early XXXX, and five plus calls to seek resolution is not fair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: AL

Complaint narrative:
On XXXX XXXX, I found some accounts that didn't belong to me with Equifax, so I disputed the accounts, and they came back verified as mines .So I requested a verification method to determine how the credit bureau verified this false information as correct. Instead of conducting a proper investigation, the company didn't follow the correct procedure and claimed the items came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
The company has responded to the debt verification via letter/email that I received on XX/XX/2021 but the information they sent still does not validate the debt as being mine. The email address shown on the response, XXXX, the phone number listed XXXX XXXX XXXX XXXX and the address, XXXX XXXX XXXX XXXX, XXXX XXXX  have never been associated with me or anyone in my family. Ive looked up the address that was shown and it looks to belong to a XXXX XXXX. 

Please have the company do a deeper dive on the debt and remove from my credit immediately. If there are further steps to take on my side, please have it expedited as this is not my debt and is dragging my score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian and XXXX  are both showing two Bankruptcies on my credit file. I have disputed several times because I know that is not correct. Each time they both indicated it was valid. I disputed the information with XXXX XXXX directly and they indicated they did remove it. The two bureaus have yet to do so

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 2021-07-12 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: LTD Financial Services, L.P.
State: TX

Complaint narrative:
Back in XXXX reached out to company showing up on my 3 credit reports they could not verify any personal info about me such as social or I.D or any Wet Signature Contract with my signature or name I requested several times and still no proof to validate this account belong to me also the credit reporting XXXX, XXXX  or XXXX  could not provide any proof after asking several times to show me proof according to my rights. No Contract with any information or any Contract with my signature showing Validation of the account. 

I have attached the info that was sent to me as you can see my name is no where, there's No Signature, No Contract with my dob, social or any info regarding me. 

XXXX_ 2nd complaint with LTD Financial Services XXXX XXXX XXXX  can not verify or show proof that this account belongs to me. Please Delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/2021 I was made aware of a derogatory mark on my credit report ( XXXX, XXXX, and XXXX  ) per XXXX. Upon further observation, this account was paid in full and the account was closed ( account # XXXX ) with FNB Omaha. FNB Omaha has violated my rights as a consumer and I am requesting legal action to remove this derogatory account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to FNB Omaha in reference to the incident but havent received any feedback.

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 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
I have asked Caine and Warner to validate their claim of an old insurance debt. They have not done so. Therefore I believe that this debt does not belong to me or is not valid. I am asking for it to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I filed a complaint last week against Ally Financial regarding their collection practice, specifically making numerous calls after being served written notice that I revoked their right to call/text me or others affiliated with me. Ally Financial signed for registered USPS mail on XX/XX/XXXX, indicating they had received the notice of revocation. This morning at XXXX Ally Financial attempted to contact me again via phone calling from phone number XXXX. In the complaint filed last week with CFPB - Ally acknowledged receiving the complaint and were 'working on it '. Apparently they do not care about any complaints and continue to contact me in violation of the FDCPA.

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 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Yes I called capital one bank on my 3 credit cards. They accepted a hardship program with all 3cards. Going thru hardship. They told me too send in each month what I can afford. So sending in XXXX each month on all cards. But they won't wsivr any interest. But said no late fees. I keep getting monthly payments with minimum going up. Not right. Need too talk with someone get a solution. Also on one of my cards they got me a 30 day late fees from back in 2018. Hoping too get that late payment waived. Hurting my credit report

Company response to consumer: Closed with explanation