vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received a bill from Commenity Bank XXXX for a renewal membership from XXXX XXXX XXXX. On approximately XX/XX/2021 I called Commenity Bank to cancel their credit card, which they did on XX/XX/2021. I was informed immediately by Commenity that they would not call XXXX 's because " we just don't do that '' and that it was my problem. I then called XXXX 's and spoke to someone who said my membership fee will be refunded on my credit card. 

On XX/XX/2021 I called Commenity Bank and spoke to XXXX ID # XXXX. She said nothing is posted from XXXX 's and I need to contact XXXX 's. Whereupon I called XXXX 's and spoke to XXXX, Ticket # XXXX. She said they would escalate it and call me back. I never received a call back or email from XXXX 's. 

I called XXXX 's again Ticket # XXXX. The representative reiterates escalation to a credit department and a call back or email in XXXX hours. No one ever calls back. 

On XX/XX/2021 I called XXXX 's and spoke to XXXX, XXXX # XXXX. He said he would escalate this matter to the credit department and someone would call back in XXXX hours. No one contacted me. 

On XX/XX/2021 I called XXXX 's again and spoke to XXXX XXXX. She used my original Ticket # XXXX and said yet again she would escalate this matter and then call back or email in XXXX hours. No one called or emailed back. 

I did not send a letter to Commenity to preserve my rights in this matter. It is now past 60 days. Commenity will not call XXXX 's and XXXX 's will not issue a refund. They keep stringing me along and Commenity just continues to tack on fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
On XX/XX/2021 Shellpoint mortgage servicing in correctly applied my regular mortgage payment for XXXX as a Principal only payment. They also correctly applied an Escrow only payment, also dated XX/XX/2021 that I had mailed to them 3 months prior. As my payment was as over payment of my normally owed {$1800.00} to which I had paid {$2100.00} they also correctly applied a principal only payment of {$240.00}. Due to this mistake on my XX/XX/2021 statement they charged me a {$79.00} late fee and showed my account as behind, stating that I had not made an XX/XX/2021 payment. I spoke with a customer service representative who claimed that she corrected the improper Principal only payment and changed it to a 'regular payment '. Upon receiving my XX/XX/2021 statement under the transaction activity They not only corrected my 'principal only ' payment to a 'regular payment ' but they also reversed my principal only payment of {$240.00} and they reversed my 'escrow only ' payment of {$120.00}. Since they didn't include a check with this statement for those XXXX reversals I suspect that they just decided to keep this money and not apply it to my account. I have been working with them via customer service, CFPB complaint and XXXX complaint to resolve these incorrect application of payment to my account for almost 2 months now and it is only getting worse. All they do is tell you that they have corrected things to close the complaint only to provide written proof that they have made things worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Hi! My issue is with PHHMORTG. I was on the XXXX XXXX XXXX XXXX from XXXX, XXXX- XXXX, XXXX due to loss of income. During this time period, I was approved for XXXX and began making partial payments, as well as, some full mortgage payments. 

After my Forbearance Plan ended XXXX XXXX, XXXX returned my payments for XXXX, XXXX and XXXX, XXXX in XXXX! On XX/XX/XXXX XXXX mortgage payments were returned causing me to be behind XXXX ( XXXX ) PAYMENTS!!! 

I was never notified via mail or over the phone when making previous mortgage payments that individual payments would no longer be accepted once the XXXX XXXX ended. 

My XXXX payment was made over the phone and applied towards my XXXX, XXXX mortgage on XX/XX/XXXX which is the day that I received my SSDI. My XXXX payment was made over the phone and applied to my XXXX mortgage on XX/XX/XXXX which is also the day that I received my SSDI. Both payments, each month, were taken out of my bank account. 

Out of ALL of the daily, weekly, and monthly calls from XXXX not XXXX representative EVER alerted me that single/individual payments were no longer going to be accepted after my Hardship program end date. 

With that being said, in XXXX, after I received the XXXX returned mortgage payments, XXXX recommended that I apply for the Mortgage Assistance Program in an effort to obtain a Loan Modification and add my outstanding balance to the end of my loan. 

I submitted the application, along with, my XXXX documents and whatever else they requested. It has been documented that I have been calling PHHMortg ever since XX/XX/XXXX inquiring about the status of my application! Each time my calls have been transferred multiple times as I repeat my concerns only to end up with another wait for a XXXX - day interview appointment with my mortgage specialist case manager. It is now XX/XX/XXXX. I spoke to my PHHMortg Case manger again today and literally cried when she told me the underwriters are still reviewing my application and no decision has been made for a modification. I am now 6 months ( {$6000.00} ) behind. 

She also mentioned today that I can begin making single/individual payments only AFTER I pay the {$6000.00}. I would still be in a position to be considered for a modification. 

I was also informed by my case manager that in a FEW more days, next Wednesday, XX/XX/XXXX that interest and late fees would start accruing to my XXXX and future payments along with negative reporting to the XXXX Credit Bureaus if I do not pay the {$6000.00}. I can only prevent these negatives if I can come up with {$6000.00} by next WEDNESDAY!!!! 


PLEASE HELP!!! I am in desperate need of {$6000.00} mortgage relief assistance. I have been in my home since XXXX, XXXX. I do not want to leave or go into foreclosure. Some how the XXXX XXXX that was designed to HELP has done the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the TransUnion Bureau requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Balance {$0.00}

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 2021-11-24 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: UT

Complaint narrative:
On XX/XX/2020, I went to a doctor XXXX XXXX XXXX XXXX, I found listed on my health insurance company ( XXXX XXXX XXXX XXXX ). Following that visit, I received XXXX separate bills, both for the same amount, and for the same incident date. One of the bills was from XXXX XXXX, and the other was for XXXX XXXX. I had met my out of pocket maximum with XXXX, so they were obligated to take care of the bill. They paid XXXX, but not XXXX XXXX, and despite multiple attempts to coordinate with XXXX  XXXX, and XXXX XXXX over the past year, and multiple assurances from each company that they were looking into it, and it would be taken care of, XXXX XXXX has assigned the debt to XXXX XXXX, a debt collection agency which has reported the fraudulent debt to credit reporting agencies ( despite me informing them that the debt was not accurate and was being investigated ) and reduced my credit score by XXXX points. The fact that I have to bear the consequences of these companies incompetence is unbelievable. This is now impacting my ability to finance a mortgage or auto loan and is a fraudulent report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the Equifax XXXX  requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX - XXXX XXXX XXXXX Balance {$99.00} XXXX XXXX XXXXX Balance {$130000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
-2019 Loan Pal, now known as Good Leap allegedly remitted payment in the amount of {$18000.00} to a company called XXXX XXXX for the installation of solar equipment on my home. XXXX XXXX never completed the job, disbanded the company and the owner filed for and was discharged in a XXXX XXXX XXXX 
XXXX Good Leap AKA Loan Pal has refused to show proof that they ever funded the contractor with the funds, and maintains that I still owe them the money for the project even though it was never completed .... Good Leap AKA Loan Pal has since damaged my credit beyond belief which has also been the cause of issues with my current employer and the denial of several other positions of which I applied. Good Leap AKA Loan Pal has also continuously harassed me via telephone and has had an Attorney reach out to me threatening legal action...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: NC

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the three creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : 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 2021-11-24 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: NC

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the three creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian and XXXX million times. I just want them to delete the disputes I filed months ago and they just updated for me. Every time I call they ask me If I want to apply to a mortgage loan and they do like an interview. I just want to fix my credit. I started to make settlements and payments to my credit cards and I just want them to delete the disputes so yes my credit finally can get better. Of course I want to have a house, I want to have a life and it looked like they don't want to help me. I was a XXXX XXXX XXXX an I can prove that and at the end of school my financial situation got really bad. I was doing XXXX XXXX I didn't work for a while because I couldn't. Now I am a professional, I want fix things and XXXX and Experian don't want to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax XXXX has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the XXXX are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: VA

Complaint narrative:
I recently ran a credit report on XXXX XXXX 2021 and I didn't recognize the following hard inquiries on my report from Experian. 

XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX  Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXXXXXX XXXX Inquired on XXXX/XXXX/2021 GXXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XXXX/XXXX/2021

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 2021-11-24 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: The CBE Group, Inc.
State: UT

Complaint narrative:
On XXXX XXXX, 2020, I went to a doctor XXXX XXXX XXXX XXXX, I found listed on my health insurance company ( XXXX XXXX XXXX Utah ). Following that visit, I received two separate bills, both for the same amount, and for the same incident date. One of the bills was from XXXX XXXX, and the other was for XXXX XXXX. I had met my out of pocket maximum with XXXX, so they were obligated to take care of the bill. They paid XXXX, but not XXXX XXXX, and despite multiple attempts to coordinate with XXXX, XXXX, and XXXX XXXX over the past year, and multiple assurances from each company that they were looking into it, and it would be taken care of, XXXX XXXX has assigned the debt to CBE group, a debt collection agency which has reported the fraudulent debt to credit reporting agencies ( despite me informing them that the debt was not accurate and was being investigated ) and reduced my credit score by XXXX points. The fact that I have to bear the consequences of these companies incompetence is unbelievable. This is now impacting my ability to finance a mortgage or auto loan and is a fraudulent report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax XXXX have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the XXXX are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX XXXX  Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit XXXX did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Inquiry Date XXXX. XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called XXXX  and Equifax million times. I just want them to delete the disputes I filed months ago and they just updated for me. Every time I call they ask me If I want to apply to a mortgage loan and they do like an interview. I just want to fix my credit. I started to make settlements and payments to my credit cards and I just want them to delete the disputes so yes my credit finally can get better. Of course I want to have a house, I want to have a life and it looked like they don't want to help me. I was a XXXX XXXX XXXX an I can prove that and at the end of school my financial situation got really bad. I was doing clinical rotations I didn't work for a while because I couldn't. Now I am a professional, I want fix things and Equifax and XXXX don't want to help me.

Company response to consumer: Closed with explanation