vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jana Ferrell & Associates LLC
State: TX

Complaint narrative:
Right around XXXX 2020, I received an alert from my XXXX XXXX saying I had a collection. I was immediately taken aback and surprised as I have never received ANY notice to this. It was a {$100.00} charge from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have never received a call, email, or letter. This balance had been paid by my father when it was due. I had to find the number of this collection agency and explain to them that I had this debt. I decided to just pay it just in case. They took my card information and only charged me {$30.00}. This was on XX/XX/XXXX, I had to call multiple times to get this collection fully paid. FINALLY, the full balance was paid on XX/XX/XXXX. I called again to complain. I tried to get more information and explain that this shouldnt have been on my report in the first place. They were rude and dismissive. My father and I have also tried calling the billing department of XXXX XXXX XXXX XXXX XXXX with no answer and no call back. I am very frustrated because my father has paid this bill when it was due and we are unable to get a hold of this company. I am also frustrated because of this were to be a legitimate collection, I never received one notice that Ive owed it. I am an extremely responsible person and never had a late payment or derogatory mark. My credit was excellent until this {$100.00} ( already paid ) collection appeared on my credit. I am trying to buy my very first house and this mark is driving up my rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: AZ

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I applied for a mortgage with a company called better mortgage and they officially denied without obtaining all documentation. They should have obtained a condo questionnaire from the seller before officially denying me and repulling credit multiple times which was not needed because the hoa was non warrantable but the lender failed to collect this document from the seller outlining it and they were given multiple chances

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: NJ

Complaint narrative:
I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since USPS tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
While reviewing my loan statement in XX/XX/XXXX, I noticed that there was an additional payment from my escrow account for hazard insurance on XX/XX/XXXX in the amount of {$960.00} that appeared unusual. I contacted Amerihome, the mortgage company, via live chat using their website. After reviewing my account, the representative explained that the payment was for a lender 's placed policy because there was thought to be a lapse in coverage. She further confirmed that they had later received proof that I already had coverage and there was no lapse and the amount for the lender 's placed policy should have been refunded to my escrow account. She deferred the issue to Amerihome 's insurance team for further review and stated that I should allow at least 3 business days for someone from the insurance team to contact me. I never received any follow-up correspondence. On XX/XX/XXXX, I contacted Amerihome by phone to follow-up on the issue. The first representative initially had difficulty finding the payment transaction in question in their system but eventually found it and explained that he was researching my account. After being on hold for 90 minutes, I was disconnected. I immediately called Amerihome again and was connected with a different representative. The second representative stated that the payment transaction from my escrow account that I was questioning did not exist because she could not locate it. I explained to her that I was looking at my statement online at that very moment and the transaction was indeed there. She placed me on hold for 67 minutes, after which I was disconnected. I then sent a secure message via Amerihome 's web portal regarding the issue and asked for someone to follow-up with me. I never received a response to this message but a representative had later marked the message as " RESOLVED ''. I've sent approximately 5 more secure messages via Amerihome 's web portal asking for resolution since XX/XX/XXXX. One received a response that the payment was made to my insurance company, XXXX, and that any refund for overpayment should be sought from XXXX. After providing a copy of my XXXX statement showing that the payment was not paid to XXXX, all of the remaining messages I sent received a response that a representative from Amerihome 's insurance team or a supervisor would contact me within a few days. I still have not been contacted by Amerihome regarding the issue nor has my escrow account been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-02-05 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
During the COVID pandemic I applied for Wells Fargo Mortgage Deferment Program due to the financial uncertainty that may have followed. My first question to the Wells Fargo Loan Advisor handling COVID related clams was : " XXXX this program affect my credit scores in the present or future? Wells Fargo 's response was " No it will not affect the account holders credit scores. 
This is a VA federally backed loan that has been current since XXXX with no missed payments for the record. Fast forward to XX/XX/XXXX when my forbearance was terminated and my account is in good standing with Wells Fargo. Wells Fargo has added the comment to all three Credit Bureaus " that the account holders are Paying under a partial or modified payment agreement '' On XXXX XX/XX/XXXX my XXXX credit score dropped 82pts due to this comment. I have verified that with the XXXX they are counting this comment as a major negative delinquency. 
I have reached out to the Wells Fargo executive resolution team regarding this problem and they have responded explaining that they have reported everything accurately along the lines of the Fair Credit Reporting Act. Please Advise

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 2021-02-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX21 I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days. I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2020, CAINE & WEINER COMPA ( Opened XXXX XXXX, 2020 ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER COMPA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Auto Finance.. i took out used car loan for 5 years at 12 percent interest car price XXXX with interest total owed was XXXX .... paid 9 payment at XXXX a month in XXXX and 12 months in XXXX i pad over XXXX new balance should be XXXX plus give or take but they state i still owe XXXX! My payment of XXXX has interest in it already! They wont change my total loan left that doe.. i only owe then maybeXXXX

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 2021-02-05 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: AL

Complaint narrative:
I had to file bankruptcy in XX/XX/XXXX  2020 due to income reduction. There were several credit card accounts that I had paid the balances in full prior to the filing. Some of these accounts were closed by the Grantors due to inactivity by me not using them. Others were closed by the Grantors based solely on the bankruptcy filing. My issue is ALL of these accounts are reflecting " Account Included in Bankruptcy '' when there was no balance owed on the disputed accounts. I addressed this fact with the Credit Reporting Agency in my dispute filings. My credit report on all but one of the accounts in question doesn't even reflect my payment history on them. There is no mention that the accounts were paid off ; only that they are in bankruptcy. It's not right that these accounts are noted with negative remarks when the accounts were closed by Grantors when they were in good standing. I feel the remarks referencing " bankruptcy '' should be removed on these accounts and the accounts be moved to the Satisfactory Accounts list in my report. I had added a Consumer Statement to my Credit Report stating the fact that these accounts were paid off. But, since it isn't seen until the very end of the Credit Report a Creditor would have to scan down through several pages of " Inquiries '' to even know it exists! No one is going to see this statement.

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 2021-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had bought appliances in Sears store with there credit card which at the time I was told by person doing transaction that it was going to be 18 months no interest, which the interest accumulation will start at the beginning of the 19 months, also when I received appliances with damaged I called Sears about damage and we had a agreement that they would reimburse me for those damages. Later as time passes I look at statement and I was charged interest for the XXXX and also not refunded the damage amount, so for the past year I been trying to figure something out so I call Sears to have it resolved and they say they send me a check for damages to wait 7 business day that was last month and that some one will contact me for interest charges, I have not heard from them, they have me on hold or transfer me to different department then they hang up and nothing gets resolved this been going on seens the beginning of last year. I need help

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 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I got in an accident in or around XX/XX/XXXX XXXX  and I totalled my vehicle, a XXXX XXXX XXXX. After totalling my vehicle, my insurance company paid Capital One Auto Finance more than what was owed on the vehicle. The following month, I received a statement showing that my payment was late only to find that Capital One did not accept the first payment that was sent from my insurance company, XXXX XXXX. I contacted them to follow up on the status of my account, and I was told that the payment was misapplied, that Capital One sent the payment back to my insurance company, and that they would need them to send it again. I contacted my insurance agent, and she assisted with getting this 2nd payment taken care of. Once Capital One received the payment, I believed that this account was all square, but after the second payment, I noticed that there was still a {$68.00} balance on the account. I contacted Capital One for clarification and they mentioned that interest accrued on the account during the timeframe between when the first payment was made and returned to the time the 2nd payment was made. This is not my fault, and Capital One was sent the money. I should not be held responsible for this, and Capital One Auto Finance is reporting this {$68.00} balance as a charge off with their company. This is absurd, and they are ruining my ability to get another vehicle over {$68.00}, not to mention the impact this tradeline is having on my credit report. Every representative I speak with says there is nothing they can do, but this is a Capital One mistake that I'm literally being asked to pay for. You would think that after paying a total of $ XXXX to a company that they wouldn't try to hold you accountable for their error, especially over {$68.00}, but obviously Capital One isn't aligned with what I feel is straightforward and common sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: AZ

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX XX/XX/and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-02-05 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: NY

Complaint narrative:
XXXX ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX, 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. ( Please see page attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-05 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Hello I was a victim of fraud and several accounts were opened in my name. They just so happen to be medical bills, hospital bills and phone bills. I have submitted these documents to the collection agency and the credit bureaus. Both have continued reporting the fraud accounts on my reports. The collection agencies have refused to provide proof and continue to harass me by continue to report false information on my credit report. Please looking into this and I will provide documents and the list of collection agencies who continues to do this.

Company response to consumer: Closed with explanation