vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX, Experian, and XXXX  are reporting inaccurate information on my credit report. 

They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.

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 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I was messaging a person on XXXX on XX/XX/2020, and they promised that they would transfer {$1000.00} into my Paypal account of I sent them a transfer fee of {$56.00}. I sent them the money and they never gave me my money in return. I asked the person to transfer my money back to me but they had blocked me and deleted the conversation we had about this subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've submitted claims against 2 companies. Both were denied for invalid reasons. One I was told was denied because I had prior business with the company even though the had given me a credited. I contacted the companies regarding the charges and that is all that they refunded. The other is a company that I never dealt with. I have dealt with companies similar to this company and that who I though was pulling from my account but I later found out that it wasn't.

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 monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I paid this account off via settlement with two payments on XX/XX/XXXX and XX/XX/XXXX to Credit Acceptance 's third party collector XXXX XXXX XXXX XXXX. This company has since forwarded the payments over to Credit Acceptance last month. As of today, XX/XX/XXXX I still have not received a {$0.00} balance letter from Credit Acceptance. I have called and placed verbal authorized twice now for the three credit bureaus to call and verify the balance. XXXX calls and gets a {$0.00} balance. XXXX  calls and speaks to a XXXX and gets a no the balance isn't updated and the file is with their legal team. XXXX speaks to a XXXX and she says no authorization has been placed. Again I've placed specific authorization with specific names from each bureau that will be calling TWICE. I want my {$0.00} balance/ settled letter as this was a ton of money I paid out to settle this account. I am being told that home new home closing set for XX/XX/XXXX will now be delayed due to this and that I may have to switch to another home! Again I paid this out on XX/XX/XXXX & XX/XX/XXXX. This is ample enough time for me to get an updated letter from Credit Acceptance.

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 2020-11-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. There is also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
hello from XX/XX/2020 to XX/XX/2020 I tried transferring two transactions from your Bank of America checking account to my XXXX XXXX account they were both checking accounts the first transaction was to score over {$6000.00} and that one didn't go through because I didn't have no funds from my Bank of America checking account so XXXX XXXX did not allow that transaction a few minutes after that I was trying to transfer {$3000.00} from my Bank of America checking account to my XXXX XXXX checking account directly from my XXXX XXXX ACH withdrawal system in which I registered my Bank of America checking account and verified it with the two and they showed deposit transactions of under a dollar. spoke to XXXX today on XX/XX/2020 and they told me that my bank account had been closed due to business purposesaccount and I don't see the money because XXXX XXXX close my account and I don't have access to view that money that has transferred so to be honest with you consumer finance bureau I do not know where the money is I was just wondering if you can help me from your end to ask Bank of America and XXXX XXXX to see where my {$3000.00} is because I don't see it in either my Bank of America checking account and my XXXX XXXX checking account.

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 2020-11-18 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: PA

Complaint narrative:
On XX/XX/XXXX, CAPITAL ONE BANK USA add a hard inquiriy on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 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: The CMI Group, Inc.
State: LA

Complaint narrative:
Adding inaccurate debt to my credit report. Not checking if it is my debt. bills must be going to one of the inaccurate address recently added to my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am formally making a written complaint against Credit Acceptance Corp. I recently reviewed my credit report and noted where the balance is incorrect. This account is currently in collections and has not recieved a payment from me personally since XX/XX/XXXX. I have not spoken with anyone or agreed to settle or make any type of payment or arrangement. Under law only a certain amount of intrest can be added to a collections account. Credit Acceptance has been adding interest to this account since XX/XX/XXXX. Again I have not physically spoke with anyone or agreed to any payment arrangement. Per my credit report {$88.00} was recently added to the balance on XX/XX/XXXX. Projecting as if I made a payment bringing the account current. The account has not been current since XXXX. This account is 7 years and the last payment was made again in XXXX. This is fraud and forgery.

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 2020-11-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Experian. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XXXX  or Experian   to resolve anything. There is also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2020, BK OF AMER add a hard inquiriy on my credit report per 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 2020-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I obtained a loan from Synchrony. 
I pay it monthly, but the problem is, if the due date falls on a Saturday, and the only option they allow is mail in or call in payment, if I call on a Saturday, the automated phone system does not work, and when I call back on Monday, I get assessed a late fee. 
This happened to me once. 
To avoid this I called and requested that they withdraw monthly from my checking account to avoid paying late fees and they refused over the phone, said I needed to submit a written request, which I did, through certified mail, on XX/XX/2020. 
To this day, the request has not been put through. Every month I believe the request has been submitted, and each month I receive a call indicating that the payment is late and a late fee will be assessed. That request was submitted via USPS, certified mail, and I have proof it was sent to : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I need for the late fees to be reversed, for the automatic payment to be put through and for these to be corrected in my credit report. 
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 monetary relief
Consumer complaint received 2020-11-18 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: SD

Complaint narrative:
transunion has applied a fraudulent account to my credit report from XX/XX/XXXX. I have NEVER had an account with XX/XX/XXXX. I contacted the bank myself to check to see if there are any accounts in my name and they have confirmed that they have never had an account opened in my name yet the credit bureau is reporting that I had some sort of secure card with a bank that I have no banked with in no way at all. they are also reporting that i lived at XXXX XX/XX/XXXX. XXXX XX/XX/XXXX in XXXX. I have not lived at XXXX XXXX XX/XX/XXXX at any time in XXXX. I moved from that address in XXXX. They have reported the address twice on my credit reportXXXX is not correct. I lived at XXXX XX/XX/XXXX in XXXX. I can't live at two addresses at one time.

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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I refinanced my house in XXXX of XXXX. The mortgage was sold to a mortgaging service company in XXXX of XXXX. On XX/XX/XXXX, the first half of my property taxes were due. The mortgage servicing company did not pay them. They finally paid them on XX/XX/XXXX but they paid both the first half that was overdue AND the second half as well ; these were processed as two separate transactions. Because two transactions were received by the mortgage servicing company 's payment systems, the second transaction was kicked out as a duplicate payment. This took me from XXXX, XXXX to the end of XX/XX/XXXX and I ended up paying the taxes myself with the company reimbursing me in XXXX, XXXX. It was a serious hardship to come up with such a payment during these Covid-19 times. 

I refined my house again in XXXX of XXXX and once again, my mortgage was sold to the exact same company. On XX/XX/XXXX, I received a letter from my homeowners insurance company stating that they had sent a bill to the mortgage servicing company twice but had not received payment which was due on XX/XX/XXXX. I contacted the mortgage servicing company and they said that due to a data entry error, the bill from the insurance company was marked paid when it had not been actually paid. The mortgage company corrected the error and released the payment to the homeowners insurance. The mortgage servicing company is NewRez LLC XXXX, MI XXXX. 

These are two major issues that have occurred in 9 months. I am concerned that this will continue to happen in the future.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I have tried to get my free annual credit report but have not been able to from equifax. when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. XX/XX/XXXX and XX/XX/XXXX also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Three years ago on XX/XX/XXXX my son was taken to XXXX XXXX XXXX XXXX ( cuaf # XXXX ) due to an injury incurred in a Baseball game. Once in the emergency room, the insurance information was collected, copay was paid, we were instructed that the league insurance was going to cover any outstanding balances as he was covered by the team league insurance. Come to find out on XX/XX/XXXX, this balance was never covered and on my credit report. I had not received any statement or notice on this debt before this reporting on my credit. This recently showed up in XXXX on my credit report. On XX/XX/XXXX, I called to make sure to settle the debt and get it taken off my report, and I would find a way to fix with league from three years ago. I recorded the conversation ( and my financial advisor XXXX XXXX with XXXX XXXX where he stated, " It will be taken off the credit report once the debt has been settled and paid in full. '' He also stated that a letter would be mailed to me stating that the debt was paid in full and the credit companies were notified to remove this debt from my credit report. He made it clear that he could not email me such notification or letter on behalf of the agency. I was told this could take 2-6 weeks before I would see it removed. I had been checking on my credit reports and no change had been made. I called approximately on XX/XX/XXXX ( XXXX weeks XXXX, XX/XX/XXXX ( 4 weeks ) and XX/XX/XXXX ( 7 weeks ) as there was no follow thru. Each call was redundant information and never received the letter where it was even paid in full. In speaking to XXXX on XX/XX/XXXX, I come to find out that no such letter had been sent at all and for 20 minutes they had me on hold with various excuses until finally they were able to email me a letter ( when initially they said they could not generate an email ). I had to constantly be calling back as they said it would take 10 minutes, then an hour, then 30 minutes each time I called until I finally received the email stating only that the account had been paid in full and nothing with regard to removing it from my credit report which was agreed on from the start. He also stated in this call that he was going to contact the credit agencies and it would take 10 days for it to be removed. Again, this was supposed to have been done from the beginning on XX/XX/XXXX. Here we are XX/XX/XXXX and still the debt is on my credit report 8 weeks later. We spoke to XXXX XXXX again today ( XX/XX/XXXX ), he asked again for another week to take care of the issue ( every call I have had with this agency it was always another week, another week, more run around ), I asked to speak to his supervisor and he stated, " His boss does not take calls and does not have an email we could reach out to. '' He also stated that I had three years to take care of this debt, which is not true. I was unaware this even existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo reported to the credit bureau that my account was in forbearance. According to Wells Fargo, they reviewed my account and can confirmed that the COVID-19 short-term payment assistance was initiated online on XX/XX/2020. This is a lie, I clicked a button. Also per Wells Fargo 's letter dated XX/XX/2020, Wells Fargo put me into forbearance " based on an incomplete application for assistance. '' I never wanted to be in forbearance. I never consented or completed an application to be in forbearance. I want it removed from all my credit reports immediately. 

I am going to sue Wells Fargo for violations of the FCRA. Pursuant to the FCRA : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

This has been on my account since XX/XX/2020 and continues to remain on my account. 

An incomplete application, which was in reality a button saying ask for more information, is not consent to forbearance. 

Wells Fargo has already admitted this will impact me. " If you apply for credit while on a forbearance plan, however, the lender will see the account in forbearance comment on your credit report, and the fact that your account is in forbearance may impact your ability to qualify for new credit or refinance. '' This needs to be remedied. The word " forbearance '' needs to be removed from my account.

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 2020-11-18 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: New Century Auto Sales, Inc.
State: OH

Complaint narrative:
My husband and I went to the original place we got 2 cars from to purchase another vehicle in XX/XX/XXXX. We specifically asked to go through the original creditor for the loan on a XXXX to XXXX vehicle. So far, my husband has 12 hard pulls on his credit and it's dropped his score 100 points. I have a total of 9 and it has dropped my credit score as well. These are all hard pulls and they are for XXXX vehicles and worth over XXXX. We both tried talking to the company but they said " they were just trying to get the best deal '' and when we reminded them that it was not agreed on they stated it was allowed to find the best deals.

Company response to consumer: Closed with explanation