vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Please take this off my credit. Not an accurate amount

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 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Disputed account with all XXXX credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Disputed account with all XXXX credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
There is XXXX account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

XXXX XXXX - Acct # XXXX Amt {$580.00}

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 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Disputed account with all XXXX credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
I submitted a dispute regarding inaccurate information that was being reported regarding my bankruptcy. My case number was not being accurately reported. Several attempts were made to dispute the information on my credit report. Experian and XXXX  report that the dispute was verified and accurate and that the reporting 3rd party agency XXXX reported the information as accurate. According to XXXX, no dispute was ever submitted and the Southern/District of California stated that they do not report to the credit bureau.

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 2021-03-31 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:
There is one account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX  Amt {$580.00}

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 2021-03-31 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: CA

Complaint narrative:
There is one account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received a letter from the mortgage company who services my loan that they are requiring me to lower my deductible on my H06 home policy that met the requirements when my Broker closed my loan that they bought and only now when they bungled the renewal by only calling the insurance company once for the renewal when I have an impounded account, that the deductible doesnt meet there policies! Nothing changed it is the same policy and coverage that they purchased the loan with and I have signed nothing that says it has to meet their policy. That is between them and the broker. If they bought the loan they agreed to what was in the loan including the insurance and deductible. So not only would that increase my premium but could jeopardize my multi-policy discounts. They are not listening to me and are threatening to put their own insurance on my property. I have worked in the mortgage industry for 34  years and have had multiple personal mortgages and have never had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have disputed a series of charges. The following are the amounts disputed along with their case ID numbers. 

{$1.00} XXXX {$4.00} XXXX {$51.00} XXXX I spoke to XXXX from XXXX who has an ID of XXXX. XXXX promised me on XX/XX/21 at XXXX XXXX CST by calling me from the number XXXX. He said that I would see a temporary credit within 3-4 business days. I also would not be expected to pay any interest on these charges while they were being disputed. He also stated that I didn't have to pay a payment on XX/XX/21 because my current statement balance only has these three temporary credits. I sent myself an email with these details immediately after the phone call in order to document this communication. 

Barclays failed to keep their promises to me. They failed to provide a temporary credit to me in the promised amount of time. They also failed to keep interest charges on the disputed amount from being added. I have enclosed a picture of my current balance, which shows that there was a {$0.00} interest charge added after my phone call. This was interest on the disputed amount. It was added despite the fact that I went above and beyond what was expected of me by paying my statement balance on time, even though it included the disputed amount and XXXX told me that I didn't have to pay it. I am attaching my recent card statement to demonstrate that I paid the statement balance. 


I spoke to a front line customer service representative on XX/XX/21 who refused to fix my issue.

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 2021-03-31 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: SC

Complaint narrative:
I the consumer was affected by covid-19 and had some financial hardship and had a late payment placed on my consumer reports by XXXX XXXX XXXXn XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including XXXX XXXX  to ask for an extension on the payments. After receiving an alert from XXXX XXXX stating that I had a missed payment I immediately call XXXX XXXX to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30 days late. I explained the situation to XXXX XXXX and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6  years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6 years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11  months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to XXXX XXXX headquarters on XX/XX/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 2021-03-31 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: SC

Complaint narrative:
I the consumer was affected by covid-19 and had some financial hardship and had a late payment placed on my consumer reports by XXXX XXXXXXXX in XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including XXXX XXXX to ask for an extension on the payments. After receiving an alert from credit karma stating that I had a missed payment I immediately call XXXX XXXX to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30  days late. I explained the situation to XXXX  XXXX and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6  years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6  years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11 months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to XXXX XXXX headquarters on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America called me numerous times in XXXX. I receive a call yesterday at XXXX. A BOA representative called me to ask fo R mortgage payment. I asked him what I owed. He then saw that I didnt owe. He then went onto my account and undo my payment. Confirmation number is XXXX. The bank is to be allowed to take advantage of the black Community again. Now I am here left to watch my pile of miss payments because the BOA representative went into my account. That was illegal I did not invite him into 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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
My mom and I received credit monitoring alerts that an inquiries were made on XX/XX/2021 by XXXX ( https : XXXX  ). I contacted Network Capital to investigate why and how they did this. I discovered that my father contacted Network Capital and lied, saying he was helping his ex-wife ( my mom ) and daughter ( me ) to get a refinance done. He provided Network Capital our personal information and they made inquiries without attempting to contact either of us to get permission. We asked Network Capital multiple times remove the inquiries on our credit reports because they was performed without permission and inquiries can reduce credit score. Network Capital refused to help, and made excuses that it's okay for my father to give permission to run our reports ( which is basically saying it is permissible for an ex-husband and father to give consent in financial situations for an ex-wife and adult daughter ). In their greed, Network Capital didn't bother getting my permission to make an inquiry. Shame on them. Don't work with this dishonest, biased company.

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 2021-03-31 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, XXXX  : XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: IN

Complaint narrative:
The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, 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 2021-03-31 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: IN

Complaint narrative:
The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, XXXX  : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: IN

Complaint narrative:
The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, 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 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX, I underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and Deltas investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again. 

The overage of the cost was financed through Synchrony Bank. These documents were presented to me for signature at the end of my eight hour, routine crown restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed. 

On XX/XX/XXXX ; I was served with a Subpoena. Synchrony Bank was suing me for the funds in which the financial documents were signed without my knowledge. 

On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : XXXX XXXX. XXXX ; Synchrony Bank vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio. 

I filed a Statement of Issues with the Court on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX ; evidence was reviewed and the case was dismissed. 

Synchrony Bank then sold this debt, which was dismissed by the Court by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, XXXX XXXX XXXX name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because XXXX is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX. 

XXXX has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and XXXX, I could not have my name on our new Mortgage thus, I am now vulnerable. 

XXXX XXXX has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed. 

Im attaching the Court records and, Synchrony Banks Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report XXXX us showing them as payments made. 

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