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: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX -JEFFERSON CAPITAL SYSTEM # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX via telephone with XXXX ( BSI FINANCIAL ) I made a mortgage payment with BSI FINANCIAL as my mortgage was in the process of being refinanced with XXXX XXXX. I didn't want to incur any late payment fees. Unaware that XXXX XXXX had dispersed funds to close out my loan with BSI FINANCIAL on XX/XX/XXXX. BSI FINANCIAL took my regular mortgage payment a day after that disbursement. On XX/XX/XXXX I called BSI FINANCIAL and spoke with XXXX and informed her that I would like a refund of my XX/XX/XXXX mortgage pymt since XXXX XXXX had dispersed funds on XX/XX/XXXX and BSI FINANCIAL took my pymt on XX/XX/XXXX via telephone with XXXX ( BSI FINANCIAL ). XXXX said once everything was processed that I would receive a refund of that XX/XX/XXXX mortgage payment along with my escrow payments. On XX/XX/XXXX I called BSI FINANCIAL and spoke with XXXX who said a check was sent out on XX/XX/XXXX. The check from BSI FINANCIAL was my escrow payments only. So I called BSI FINANCIAL again on XX/XX/XXXX and spoke with XXXX who stated no other funds would be refunded to me. Usually you have 2 months after a closing before the first mortgage payment is due. I received a mortgage note from XXXX XXXX ( the refinancer ) that my first mortgage pymt would be due XX/XX/XXXX. So I called XXXX XXXX ( XXXX ) since this was not two months between closing to verify this first payment date and he said that XX/XX/XXXX was correct. Please look into this as I believe BSI FINANCIAL or XXXX XXXX owes me that XX/XX/XXXX payment. I didn't have my 2 months between the closing before the first payment was due.

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: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX  has me owing {$1800.00} and its closed and this is not accurate I have not made these charges and it needs to be removed from my credit report. I have tried to dispute thus numerous amounts of times but they send me messages saying that is is accurate. Please get it removed off my report cause its not fair that Im being charged and accused of something false that I did not do

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: FL

Complaint narrative:
I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXXXXXX XXXX  XXXX 2. XXXX XXXX XXXX  account XXXX 3. XXXX XXXXXXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I contacted you about Wells Fargo repossing my vehicle illegally after refusing my payment. Your Bureau did absolutely nothing to help me. I read you helped Military members that were scammed. Regular citizens that were scammed you don't seem to care about after receiving the billion dollar fine. I gave you my complaint & your office did nothing to research my specific complaint. Wells Fargo actually refused my payment. Eventually excepting a phone payment they never submitted the payment to XXXX for payment. Then said the payment wasn't authorized. I contacted XXXX who stated the payment was never submitted by Wells Fargo for payment. Had you investigated you would have found that out. They then added a repo fees after basically stealing my vehicle. I refused to pay the extra fees. They then sold my vehicle for a third of it's actual value. I was actually sent a letter thanking me for the payment. I also have a letter stating they didn't allow ample time before selling my vehicle. My name is XXXX XXXX I'm sure you have my original complaint. I find it difficult to believe you investigated my complaint & found Wells Fargo to be in the right on this specific case

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: Synovus Bank
State: CA

Complaint narrative:
I have paid on time to this {$200.00} secured credit card credit building Program. I have never made a late payment. But they somehow always charge me a late fee of {$40.00}. The company name is FIRST PROGRESS

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with Trans Union. Trans Union would clear the incorrect information only to have XXXX XXXX report it again within 30 days. This month they are now reporting incorrect payment history to XXXX. 
When I was a XXXX XXXX  customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company on XXXX for resolution.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with XXXX XXXX. XXXX XXXX would clear the incorrect information only to have XXXX XXXX report it again within 30 days. This month they are now reporting incorrect payment history to Equifax. 
When I was a XXXX XXXX customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company on XXXX for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
Received an email address XXXX from some source stating it was XXXX XXXX about my credit score being decreased to XXXX and did a dispute and got a message saying contact XXXX  about the dispute and I contacted XXXX  which informed me that this collection agency or the company that I represent wasn't on my credit report. I even contact the collection agency and would give me accurate information. Here 's the link I click on below stating it's from lending tree : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX & 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: 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: GA

Complaint narrative:
XXXX XXXX is reporting an eviction on my report that is fraud Experian is reporting student loan that is not mine

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I've been disputing XXXX XXXX account along with other inaccuracies with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX  myself. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by Equifax, XXXX, and XXXX XXXX.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

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: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

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 — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/XXXX around XXXX at Sam 's club store on XXXX XXXX in XXXX Colorado. When I was checking out at self check I was approached by an employee from the store and he said that he wants to scan my membership card to verify the address and name is correct. I let him do that he then started clicking on some boxes and answering questions on the screen of a check out. he said he will give me {$30.00} to verify all my information and asked me to input my social security number into the keypad at the checkout. he then proceeded to click on some more things on the screen and then all of a sudden he told me the card is going to come in the mail. I asked him what card and he said it was a credit card. He never asked if I wanted the credit card because I do not want a credit card from that store. He never said the information I'm giving him is going to be used to apply for a credit card so he fraudulently used my information to apply for a Sam 's credit card without telling me or asking me! when I left the store and started processing what has just happened and try to call the store to talk to a manager, a manager was not available. Team lead said the manager will call me back, the manager never called me back. The teamlead said that they know that this is happening and that the employee should not be doing that however they never tried to fix the situation or stop it from happening again!

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 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I opened a gym membership with XXXX XXXX. They double-charged my bank account. I asked to speak with someone and no one with authority to fix the issue would speak to me i.e. the manager/owners. I cancelled my account due to moving away which was a valid reason according to the contract. The billing company asked for proof. I had an out of state I.D . all the proof I need. They appearently wouldn't cancel the account as per their own contract terms and sold the account to First Credit Services collections for an amount equal to the entire membership, including what I had already paid. So they charged me for a membership that I already legitimitely canceled. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX http : //www.firstcreditonline.com ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I Was checking my checking account to make sure that my creditors where getting paid in a timely matter. I was shocked to see that I had missed 4 mortgage payments, bc I had set up auto payments apparently this was not done by my bank but one time since the first of the year. This is way I thought my mortgage was paid, I had excellent credit score in the 700 now its in the 600.there trust in a bank when you become a member, this was breached by XXXX, for not paying my creditors in a timely manner I was very upset bc of this response from XXXX. For not calling me to let me know that y mortgage was not being made. Long story I paid the oweing balance in full, now Loandepot states that they did not get the {$4200.00} that was sent to themXX/XX/2021and now they are charging me interest by day, bc they Loandepot states that they did not get the ACH payments sent to them from my bank XXXX just4 days ago, but my bank XXXX states that they cash the XXXX check of {$3200.00} Plus Loandepot gave e two loan numbers to identify my account. One they changed in the space of a week to a new number old number is : XXXX. Now they gave me another # XXXX l think they are trying to cover up. My ACCOUNT so they can confuse me.please look into this matter for me, thank you

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave Experian, XXXX  or XXXX  any written consent to report anything on my consumer report. No contract is identity theft.

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