vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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:
I disputed information on Transunion, XXXX  and XXXX for accounts that do not belong to me. I sent multiple dispute letters. The 1st letter was mailed on XX/XX/2020, 0n XX/XX/2020 I received the results claiming to have verified the items I disputed. On XX/XX/2020 I disputed the items again, on XX/XX/2020 I received letters once again claiming to have verified. The accounts and items are not mines.

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 2020-08-18 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: FL

Complaint narrative:
XX/XX/2020 Mr. XXXX XXXX fraudulently filed : 1 ) False Police Report ( attached ) alleging bank fraud on my ( XXXX XXXX ' ) part ; 2 ) Fraudulently REVERSED all CREDIT card payments made from our joint account ( s ) and authorized payment accounts to my creditors for the entire year and in some cases, beyond one ( 1 ) year of payments ; 3 ) XXXX confessed to the above crimes in an OFFICIAL SWORN STATEMENT by and through XXXX  XXXX XXXX ( the bank that completed fraudulent reversals of payments after fraudulent claims were made by XXXX ). The sworn statement was NOTARIZED by two ( 2 ) FDIC officials and bank manager on site ( see attached ). 

Due to XXXX XXXX XXXX  crimes ( above ), his additional criminal acts include XXXX XXXX, a conviction of same, and the reason I was confidentially relocated, forced to return my vehicle ( fear of additional beatings/crime ), and I was UNAWARE of all of the financial fraud in addition to vehicle payment and return. 

Despite numerous disputes with XXXX XXXX, they continue to sabotage my credit report, cause grave financial and ongoing harm to my detriment. 

Under every clause contained in the FCRA, they are in FULL violation of my rights. 

Please help! 
Respectfully, Criminal Offender : XXXX XXXX, XXXX XXXX FLORIDA XXXX XXXX XXXX ( XXXX XXXX, XXXX, Florida ) contains partial documents ; remaining documents ALSO furnished to above creditor. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc.
State: UT

Complaint narrative:
I have been trying to get ahold of an agent or someone for the past 2 months to pay on this loan. I have emailed in to their email that keeps sending me promotions and that talks about my investments and I get no response. I call in to their line only to be told that my account is being handled by management and they will call me back but I am not receiving any calls back. 

This is effecting my credit and has dropped my credit from a XXXX all the way down to a XXXX all because of their lack to contact me so I can have this handled. I have not been able to pay for my membership w/ XXXX to be able to keep up with my credit for the past 2 months because my priority was to have this loan paid off first but its impossible when no one is calling me back on it. 

I've needed to pay my past due and i need this taken care of because this is not helping me at all for my future. This is the second time this has happened. I have emailed in on XXXX and the most latest I emailed in was on XX/XX/20. 

SOMEONE CALL ME XXXX or email me back so i can pay my bill and so yall can fix my credit. This is ridiculous. I want to be done with this company already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Due to COVID, I lost my employment. As soon as the CARES Act was created by the government, I applied to receive delayed payments in XXXX. Caliber Home Loans approved of my application, and my mortgage payments were entered into forbearance guaranteed by the CARES Act. 

I was issued a ninety day forbearance. When that was about to expire, I called Caliber Home Loans again in XXXX, and I was issued another ninety day forbearance period. My forbearance was guaranteed until XXXX. 

I sold my house on XX/XX/XXXX, while still under forbearance. Yet, my credit company notified me that my credit report now had a 90 day delinquent payment reported to them. 

I contacted Caliber Home Loans to make them aware of this, but they refused to change it- despite the documentation that I have to prove that I was in forbearance under the CARES Act during the missed payments. 

I have settled the loan- paying it off in full prior to the expiration of my forbearance. Therefore, there were no delinquent payments, and I would like to have that removed from my credit report. 

Please see attachments for proof of my correspondence with Caliber Home Loans, the payoff requests, the fact that I was in forbearance and any other pertinent information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Sometime in early XXXX, I closed my XXXX XXXX XXXX account for cable. I returned the cable box by mail, but started receiving collection demands to pay for the allegedly unreturned cable box in the approximate sum of {$200.00}. I disputed this debt with the first collection company ( can not remember the name ) and assumed it was resolved. Then, the " debt '' was apparently " sold '' to another collection company, XXXX XXXX XXXX. Even though I disputed the debt, I paid the amount to avoid being harassed again. This was paid in XX/XX/2019 and I have my bank statement to prove it ( attached ). Now, just this week, I got a notice from XXXX XXXX that I had a derogatory addition to my credit report. A new debt collector, Franklin Collection Service, has reported a collection account of {$200.00} against me to the credit bureaus. I PAID this debt eight months ago. Franklin never contacted me, I never received any  letters. This is a complete fraud and a lie. And now it has damaged by credit as it is affecting my ability to obtain a car loan at a reasonable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
So I do believe that I am a victim of Identity Theft and I have tried to obtain my Equifax report online and they ask me questions to identify who I am and I have been a victim of Identity theft in the past, and the questions that Equifax is asking me questions on my credit report that I can not answer because the questions that are being asked were things that purchased, accounts that were opened when I was a past victim of identity theft. I have asked multiple times for my questions to be changed to current questions, they are asking me information from 15 or more years ago and I cant answer the questions. I want the questions changed and I want a copy of my credit report in a timely manner. Which I am not receiving yet and I want to be able to access my report from Equifax. I have been able to access every report accept Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened an account with Bank of America ( BOA ) in XXXX. Bank of America closed my account XXXX because of Inactivity on this account, current or past delinquency, derogatory public record ( s ),  and/or collection account ( s ), current or past delinquency with one or more of my creditors, number of accounts, paid as agreed, is too low or I had missed payments recently on some of my accounts. Bank of America indicated information on my credit was provided by XXXX. I contacted Bank of America to dispute the closing. They told me I had to dispute with XXXX because they do not process disputes. If I wanted the card reopened, they would do a hard inquiry on my credit report and open a new card. I did not agree because the account was closed based on incorrect information. I contacted XXXX for a copy of my credit report and to dispute the information provided to Bank of America because I was not aware of information on my records. Upon review of my records from XXXX, I did not have the items listed by Bank of America. I had no adverse accounts, no late payments, no public records. I have submitted two disputes with XXXX on XXXX and XXXX requesting Bank of America reopen my  account with the 25 year credit history. The XXXX dispute was denied. The XXXX dispute to request Bank of America reopen the account is open.

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 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
PayPal reported delinquency to credit bureau for $ XXXX I received notification from credit reporting through my bank account on Sunday XX/XX/2020 and confirmed via my XXXX paid subscription XX/XX/2020. 

I contacted PayPal Mastercard via XXXX, the number reported on the credit report XXXX placed me with a representative relating to my XXXX XXXX XXXX account and not PayPal. 

I was advised the charges related to interest charges for the balance paid in XX/XX/2020. XXXX, the representative assisting on my call on XX/XX/XXXX, waived the fees and advised my new balance was {$0.00}. 

I have not reflected any delinquencies on this account in over 2 years and have " Paid as Agreed '' - I have requested PayPal update my credit report immediately as I am in the process of making a significant purchase. This delinquency relating to {$8.00} that I have not received a statement for reduced my credit score by 87 points and took me down 4 bands in the Loan Risk Rating thereby increasing the interest rates for the loan I will be requesting. This update PayPal has made without making any attempts to speak to me as the consumer will affect my life for the next 7 years.

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I previously filed a complaint and BB*T response was lacking the necessary documents that were sent to me via email. They conveniently left out the fact that they sent me an email on XX/XX/2020 and I responded on XX/XX/2020. They also left out the fact they I called in to the call center several times before XX/XX/2020 to find out the status of the dispute. 

As you can see from the attached documents, I received the email on XX/XX/2020 ; at the bottom of the email is an attached word document. I responded to the email on XX/XX/XXXX with the response and two attachments : The Merchant dispute Letter and the PDF copy of the gmail correspondence between myself and the constitutional tax collector. The information contained in the word document which I have included answers all the questions they asked me over the phone in late XXXX. 

They also left out the fact they I called in to the call center several times before XX/XX/2020 to find out the status of the dispute. At no time did ANYONE who answered say they needed more information or that they did not received my email. I want my complaint escalated and reviewed properly. 

Additionally, the response time went from 30 days to now 120 days? And with all of the back and forth has not a single person tried to give a provisional credit since it is clear the transaction was in error. This response is just insufficient.

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 2020-08-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
During the Covid-19 pandemic, I had put my mortgage with Bank of America into a Forbearance Plan beginning in XX/XX/2020. Bank of America clearly stated in our Agreement ( attached, Page 2 ) that they would not report my account to credit reporting agencies as delinquent. 

On XX/XX/2020, I sold the property and repaid the mortgage to Bank of America IN FULL. One week later I received a notification from XXXX and XXXX that Bank of America had reported my loan to the credit reporting agencies as 90 days delinquent and my credit score dropped 83 points. I was in the process of refinancing the mortgage on my personal residence and that is now delayed because of this. With rates rising, Bank of America is going to owe me compensation for this. They clearly are in violation of our agreement. 

I contacted and filed a dispute with XXXX and XXXX and they stated that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. '' I need to have this " delinquency '' removed from my credit reports and Bank of America needs to compensate me for losses sustained from not being able to refinance my personal mortgage at a lower rate.

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 2020-08-18 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have a collections account from Target store. 
I called target/ XXXX XXXX and asked if I pay off the balance then would they delete the record or send me a letter stating that the balance is paid and should be deleted from my credit reports. I called today and they said the representative told me the wrong thing and I may have called a different number but this was the same number I had called now. I was lied to and I just want my collection deleted from the reports. I also want to report that Target tells lies to collect money and they do not take any action after that. LIARS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Westlake Services, LLC
State: MD

Complaint narrative:
Account was reported to be delinquent due to communication errors and lapses from Westlake as the address they had on file from XXXX XXXX was INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: FL

Complaint narrative:
After becoming very sick and hospitalized for several weeks, I missed a payment and fell behind. Soon as I was able I reached out and attempted to make arrangements to get caught up back in XX/XX/2020 to the best of my knowledge. I was told on a recorded line, that if I was able to arrange to pay at least {$410.00}, that my account can be arranged to show current and add the missing payment to the end of the loan, Even after I made my payment as agreed, Flagship Credit did not do what they promised. I remained behind even after making a payment as agreed. Denied without any explanation. 

Daily harassing phone calls multiple times a day starting before XXXX daily. I never got any communication ( email, phone call, letter in the mail ) of denial, NOTHING. When I asked, I was told " your request was denied ''. Nothing more. 

In XX/XX/2020, I received yet another round of harassing calls, one of  which from a self described account manager named only XXXX. XXXX again, made a payment agreement with me to pay {$410.00} in XXXX for XXXX payment and he would roll XXXX and XXXX payments to the end of the loan making my next payment due XX/XX/2020. Again, I kept my word, made payment as agreed and FLAGSHIP CREDIT, again, failed to do what they said. The daily calls before XXXX several times a day continued. I attempted to contact XXXX, but my calls went unanswered, until first thing this morning. XXXX calls. When asked why his agreement ( AGAIN ) was not kept. XXXX simply said,  " your request was denied ''. 

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 2020-08-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been trying to get ahold of an agent or someone for the past 2 months to pay on this loan. I have emailed in to their email that keeps sending me promotions and that talks about my investments and I get no response. I call in to their line only to be told that my account is being handled by management and they will call me back but I am not receiving any calls back. 

This is effecting my credit and has dropped my credit from a XXXX all the way down to a XXXX all because of their lack to contact me so I can have this handled. I have not been able to pay for my membership w/ Experian to be able to keep up with my credit for the past 2 months because my priority was to have this loan paid off first but its impossible when no one is calling me back on it. 

I've needed to pay my past due and i need this taken care of because this is not helping me at all for my future. This is the second time this has happened. I have emailed in on XX/XX/20-XX/XX/20 and the most latest I emailed in was on XX/XX/20. 

SOMEONE CALL ME XXXX or email me back so i can pay my bill and so yall can fix my credit. This is ridiculous. I want to be done with this company already.

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 2020-08-18 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: Credit Wise Recovery Solution LLC
State: NY

Complaint narrative:
Due to COVID, I lost my employment. As soon as the CARES Act was created by the government, I applied to receive delayed payments in XXXX. XXXX XXXX XXXX approved of my application, and my mortgage payments were entered into forbearance guaranteed by the CARES Act. 

I was issued a ninety day forbearance. When that was about to expire, I called XXXX XXXX XXXX again in XXXX, and I was issued another ninety day forbearance period. My forbearance was guaranteed until XXXX. 

I sold my house on XX/XX/XXXX, while still under forbearance. Yet, my credit company notified me that my credit report now had a 90 day delinquent payment reported to them. 

I contacted XXXX XXXX XXXX to make them aware of this, but they refused to change it- despite the documentation that I have to prove that I was in forbearance under the CARES Act during the missed payments. 

I have settled the loan- paying it off in full prior to the expiration of my forbearance. Therefore, there were no delinquent payments, and I would like to have that removed from my credit report. 

Please see attachments for proof of my correspondence with XXXX XXXX XXXX, the payoff requests, the fact that I was in forbearance and any other pertinent information. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I have had a mortgage with PennyMac for the past two years. On XX/XX/XXXX, I sent in my annual homeowner insurance renewal questionnaire, but on XX/XX/XXXX I received a letter from my homeowner insurance that they had not received payment and would cancel the policy on XX/XX/XXXX. The homeowners insurance is paid out of my escrow account and handled by PennyMac. I reached out to my insurance agent who stated that PennyMac had been billed, but did not pay. Upon following up and logging into my PennyMac account, I realized that PennyMac had changed my homeowners insurance from a policy with XXXX XXXX to XXXX. I never received a notification that this change was made and almost lost my policy due to the negligence of PennyMac. This is a violation of Regulation X of RESPA. 
I called PennyMac on XX/XX/XXXX and explained the issue. The employee was helpful and explained that PennyMac noticed the house was listed as a rider on a separate XXXX policy and decided to switch my homeowners insurance from XXXX to XXXX without informing me. The employee was able to change this back and send payment. 
A few days later, I received my escrow analysis from PennyMac and it included a disbursement voucher of over {$400.00} and a significant reduction in my mortgage payment because they used the incorrect XXXX policy in their analysis. After two more phone calls, PennyMac reversed the error and sent out a new correct escrow analysis, this one showing I needed to make an additional payment to my escrow account to meet the minimum amount. This has been an extremely frustrating process and my XXXX payment is still listed as the incorrect lower amount that was calculated with the incorrect insurance premium. 
There have been multiple errors by PennyMac which either slipped through their system or there is no system in place to catch these errors. Additionally, the isolating from refund to deficit is wrecking havoc on my budget during a recession and pandemic.

Company response to consumer: Closed with explanation