vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive called equifax on numerous occasions asking them to please allow me to be able to see my credit report. They havent updated my credit report with 3rd party reporting companies since 2018. Every time I call equifax they try to force me into signing up to see my report only through them. They also are telling me that its on the 3rd party reporting companies to update it which is false. I told them the error code that all the 3rd party companies are getting and all 5 of the representatives said that I would just have to sign up with them and thats the only solution. This is false and inaccurate information. I should be able to look up my accurate report or scores on any site that offer it such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  etc.. This has been very inconvenient to me. I will also try calling them back and this time I will get the reps name and badge number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NJ

Complaint narrative:
i have challenge this account for inaccurate information on my credit reports, multiple time it keeps coming back verified and the information in my report is still there

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 2021-03-11 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Negative event on credit report. Never contacted regarding billing for unknown service. Tried to call and discuss company wanted too much personal information. If the company can post to my credit report they would have obtained the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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:
In XXXX, I learned that my Mortgage note with XXXX XXXX XXXX  had been sold to XXXX XXXX  XXXX. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, XXXX payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called XXXX to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the reporting agencies.

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 2021-03-11 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: KY

Complaint narrative:
In XXXX, I learned that my Mortgage note with XXXX XXXX XXXX  had been sold to XXXX  XXXX  XXXX. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called XXXX to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the reporting agencies.

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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Collection company called from XXXX regarding 2003 debt with Wells Fargo checking account. Refused to email or mail me verification of debt, said they have done this before and it didn't help. I have not received anything from this company or Wells Fargo in 10 or more years. He threatened to sue me and take a lien on my moms property. When I told the debt collector she had passed away, he nastily said something to the effect that " I am a debtor ... and she would be rolling over in her grave. '' He hung up on me the first time that I told him I was aware of my rights and that this is a time barred debt. He said this does not apply to checking accounts.

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 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
We had mortgage with XXXX XXXX  from XXXX. When pandemic start we took 6 months forbearance from bank and we have been told there is no penalty or extra interest for not paying mortgage for 6 months. Everything what we did not pay is going to extend our payment period for 6 months. In meantime XXXX sold our mortgage to Carrington and they told us that all terms what we have with XXXX stay the same. In XX/XX/XXXX we continued to make regular mortgage payments to Carrington. They send us 3-4 times done papers to sign regarding forbearance. We did and I find out how they charge me almost {$8000.00} for some extra interest for not paying mortgage and plus they extend my paying period for 2 more years. If I want to left them and go with another lender, I have to pay them more then my original mortgage was 6 years ago, regardless I already made around {$80000.00} in payments toward mortgage. I called them and they refuse to go anything yo correct that. They said how I sigh to be agree with that, I wouldnt never sign something like that if I havent been somehow tricked to do that, or mislead with some high profile language where I didnt understand everything correctly. I think that their actions is wrong and damaging for me without any reason, especially their refusing to fix it. I am not able to hire law firm to finish my business. 
Think you for understanding,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CA

Complaint narrative:
I have an unknown hard inquiry on my TransUnion credit report from XXXX XXXX XXXX. Be advised that I have already received a response from the company. They state that can not find any completed inquiries on XX/XX/2020. But still I do have this inquiry on my TransUnion credit report. See attached files with screenshot and company 's response.

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 2021-03-11 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: FL

Complaint narrative:
There is an account reporting on my credit file with XXXX XXXX and it has been settled and they agreed to remove it. I am trying to get this removed off my file if anyone could please help me with this I would truly appreciate it. the Plan ID is XXXX and the person that helped me with this at XXXX is XXXX XXXX. Phone number is XXXX Please time is of the essences

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
I made a card to bank transfer from my pua card from us bank on XX/XX/XXXX for {$770.00} it posted in my checking on XXXX/XXXX/XXXX. On XX/XX/XXXX us bank reversed the transaction stating I needed to fax Id then they would refund my account. On XXXX I faxed Id, on XXXX they unlocked my card. I have called over 15 times to see where my money is and get told give it 5 days every time. Now I was given a tracking number and told there is nothing else they can do. I contacted the bank the tracking number is for, which is not mine, and they stated the number only shows them tacking the money back it was never refunded, I call us bank back and is told they cant help me anymore. I have no clue how to get my money back or who can help me. It has been over a month and no one can tell me where my money is.

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 2021-03-11 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: NJ

Complaint narrative:
i have challenge this account for inaccurate information on my credit reports, multiple time it keeps coming back verified and the information in my report is still there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NJ

Complaint narrative:
i have challenge this account for inaccurate information on my credit reports, multiple time it keeps coming back verified and the information in my report is still there

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 2021-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
On XX/XX/2020, I made an online bill payment through my credit union to LoanCare to pay my XX/XX/2020 mortgage payment. At that point, my account was current. On or about Feburary XXXX, I called LoanCare to get my 1099 tax information because with the U.S. Mail running slow, I had not recieved it. I was given the information. On XX/XX/2020, My credit union notified me that I had a returned check fee for a payment of {$1500.00} from LoanCare. LoanCare had processed an ACH payment from my credit union account in the amount of my mortgage payment. I was not aware of this and I did not authorize this payment.

I contaced LoanCare several times and was told that a manager would be reviewing the call recording that occurred on or about XX/XX/XXXX to determine what happened. I have yet to receive a response from them. Even after the call where I informed them that the payment was unauthorized, the payment was re-presented to my credit union. At that time, I had put a stop payment on the transaction so I was not assessed another {$29.00} returned payment fee. I am very sure that I did not autorize LoanCare to process any payments from my account. That is not how I make my loan payments and at that time, my loan was paid current.

I am afraid that I may not be the only borrower that is experiencing this. For LoanCare to make unauthorized payments from a borrower 's bank account is fraudulent.

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 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My mortgage lender failed to pay my homeowners insurance last year. They paid it for the current year. I had a conference call with the insurance division and my homeowners insurance company. The insurance carrier verified that the invoice was sent to the mortgage company multiple times without response. The insurance division of the mortgage carrier stated that it was never forwarded to their division from the mortgage division so basically its not their problem. The mortgage company is now charging me {$2300.00} for lender forced insurance for coverage for XX/XX/XXXX to XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have challenge multiple the credit bureaus for them, due to inaccurate information on my credit report and it keep coming back verified, i ask them to provide me with proof that they did a investigation and failed 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 2021-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Financial is now lowering my XXXX XXXX XXXX limit as I pay down this account, thus making my credit score drop because instead of showing I'm paying down my balance, they reduce limit so card always looks maxed out!! If they are doing this to me, must be to many and absolutely WRONG

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 2021-03-11 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Before the Pandemic, making my monthly credit payment to care Credit was not an issue. 
During this Pandemic where I notified the credit card company numerous of times in regards to making payments were to no avail. 

My issue with care Credit is how can this enormous credit business offer no COVID Relief plan to extend payment payments or offer payment options. 

The only option they had was pay your regular monthly payment with interest and fees, or close the card with no interest and late fees. 

May sound good to close the account, however they are not looking into an individuals credit impact on closing a card. 

I am extremely displeased that every other card company had flexible, understandable payment plans due to an era we ( Americans ) had no control over. 

I believe this company has no good options on trying to help their consumers during this pandemic, but just shutting the doors behind us, and seemingly giving us a bad score. 

The option they had was reapply after the card is pad. re-applying for a card will cause another impact on our credit score that already seems to dwindle at this time. 

Thank you

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 2021-03-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I want to file a complaint against Equifax for reporting incorrect information on my credit report. I paid off two negative accounts on my credit report XX/XX/XXXX and they were removed from my credit on XX/XX/XXXX. Then Equifax added them back on my credit report on XX/XX/XXXX as unpaid. I have disputed this numerous times and it has still not been resolved. I have the documentation from the credit reporting agency stating that these accounts were paid off in full and they still want remove them. I have also contacted XXXX directly to have them send another deletion letter to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: FL

Complaint narrative:
There is an account reporting on my credit file with XXXX XXXX and it has been settled and they agreed to remove it. I am trying to get this removed off my file if anyone could please help me with this I would truly appreciate it. the Plan ID is XXXX and the person that helped me with this at XXXX is XXXX XXXX. Phone number is XXXX Please time is of the essences

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 2021-03-11 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: FL

Complaint narrative:
There is an account reporting on my credit file with XXXX XXXX and it has been settled and they agreed to remove it. I am trying to get this removed off my file if anyone could please help me with this I would truly appreciate it. the Plan ID is XXXX and the person that helped me with this at XXXX is XXXX XXXX. Phone number is XXXX Please time is of the essences

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 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MI

Complaint narrative:
This is about the collection on my credit reports. First, I have been covered by medicaid since early XXXX and my son had been covered since XX/XX/XXXX, therefore any medical bills I may have incurred were paid in full by Medicaid as it clearly states me and my son are Medicaid recipients in our medical records. Therefore there never should have been ANY outstanding medical bills. That makes this a violation of HIPPA and federal law. Second, although Americollect has the date listed as XX/XX/XXXX for the first date of delinquent, this collection showed up on my credit report on XX/XX/XXXX. In XX/XX/XXXX I disputed this collection with the XXXX major credit bureaus and it was removed from XXXX and XXXX but not XXXX. Both me and my son insurance company have been reaching out since XXXX to the providers office/hospital and the collection company to explain to them that my son and myself have been covered medicaid recipients since XXXX. Our insurance company even offered to send our medicaid coverage over to Americollect to show we have been covered and they instructed me and our insurance company to pay the bill and its nothing Americollect can do. When I also reached out to Americollect via email regarding a debt validation letter for the account that they listed on my credit report they issued me a Payment History for another account with a different date of service. I also asked Americollect since XXXX to send me a debt validation and an itemized statement for the account they have listed as delinquent on my credit reportand they keep issuing me collection bills instead of the information I asked via phone to be to be sent to me from Americollect. Since XXXX The hospital where my son was seen have been informing our insurance company that my son was covered and they did receive a payment for the date of service he was seenwhich was in XX/XX/XXXX. Our insurance company have filed multiple grievances on our behalf against the provider and Americollect. The same bill turned up AGAIN and is continuously being reported on my credit reports. This bill that was paid by Medicaid has been haunting my credit report for years and has caused me great financial difficulties as a result of it being there. Now, im in the process of filing a grievance with the U.S department of Health and Human services and our local department of Health and Human services and our insurance company as well against Americollect and the provider, I want this collection removed ... immediately.

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