vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
Equifax for some apparent reason will not remove old accounts, and liens fromy credit report, they have negative accounts on there such as XXXX XXXX XXXX, and XXXX XXXX repossession that is over 13, and 9 years old, they have a XXXX XXXX account on my credit 5hat they were supposed to remove, 5hey still have not done that, the bureaus policy is negative information gets removed after 7 yrs, it is beyond that and they still have not touched it, after speaking on the phone with a rude representative that stated they will not remove the items, they also have a federal loan on there beyond 8 years they have not removed yet, everytime I try 5o file a dispute they block me from doing it by saying " Dispute Not Available '' .they do this purposely in effort to keep negative information on my credit even if the items are years past the statute of limitations for credit reporting I have attached evidence to this claim and hopefully the CFPB can enforce the laws of fair credit reporting to the equifax credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I notified TD Bank in XXXX of XXXX that a fraudulent account had been opened in my name. They were provided all the appropriate information to validate that fact. 

In XXXX my XXXX  credit score declined based on derogatory information provided by them. I called them again on XX/XX/XXXX, and a member of the " fraud team '' told me that they mailed XXXX  on XX/XX/XXXX that the debt was not mine. 

Now TD Bank has referred it to a debt collection agency, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand the CFPB to hold Equifax accountable for these inaccurate accounts being furnished to my credit report. I have recently sent Equifax the challenge letter attached below. This letter answers any questions they might have and will enable them to delete both of these account swiftly. These inaccurate accounts listed below are causing me unnecessary injury and damages. If Equifax fails to delete these accounts in less than 30 days, I hereby demand they provide me documentation and transcripts via the mail of all correspondence, calls, texts, and emails used to verify this alleged account information. Include proof of any such mailing with my USPS tracking number in response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: IN

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EMBRACE HOME LOANS
State: NY

Complaint narrative:
I attempted to close on my property yesterday. My property was originally purchased using Embrace home loans but they sold the mortgage years ago to XXXX. This peoperty is paid in full and I have not had dealings with embrace in years. Embrace placed a lis pendens on the title XX/XX/21 and I was not able to close because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XX/XX/2021 I purchased a XXXX refrigerator in the amount of {$2600.00}. It was delivered damaged. Lowes was advised of the damages and assured me that they would replace ASAP. This did not occur. Multiple occurrences of delivery dates were given, but when the date to deliver came, no refrigerator. Due to this, I disputed the credit card ( SYNCHRONY BANK/LOWES ) charge. I was notified that my dispute was not resolved in my favor as Lowes provided a statement that disputed item has been replaced/repaired by the store. This was false and I advised SYNCHRONY BANK of this. They stated they would review the dispute and notify me of the results. They did not reopen or review. They did however, place a note on my credit report that resulted in lowering my credit score by 32 points. This has caused and continues to cause me harm.

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 2021-08-05 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX is a fraudulent credit card account that was opening in my name back on XX/XX/XXXX of XXXX. This card was one of 5 that were opened in my name. I immediately went to the police station and got a police report and sent it to the credit card companies explaining that it was removed. All of the companies removed the information except XXXX. They made outlandish requests asking me to get additional police reports, and I did. For the past 5 years I have been continuously submitted disputes for the information, getting it denied, and then reopening. I have provided police reports, letters, and more. Finally in XXXX of XXXX I get the information removed from my credit report and my score goes up. The very next month it is added back. I then receive a letter saying XXXX has provided information proving that the account belongs to me. I contacted both equifax ans XXXX to see what information was provided but no one could give me an answer. I also brought up the fact that they are supposed to give me 5 days notice before reinserting anything back onto my credit report, and that wasnt done. Now they want me to get a 3rd police report asking them to not add it back, this is ridiculous. I feel like theyre running a scam and in no way see that Ive done my due diligence to get this removed. All my other accounts are in good standing. I want to buy a house, but nothing can be done with this false information reinserted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
I called a credit card company XXXX credit it was placed on my report for {$450.00} Ive never applied for a card with this company so I called the company and ask them to remove it they told me I didnt exist in the system yet Im on there on my credit report of called again and they gave me a phone number to contact that number was a fraudulent email address I tried to call attempted to call back and try to rectify the situation I just dont wan na be charge for something that I didnt apply for nor did I use they told me that no I dont have no information in the system and Im just trying to get this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have challenged several inaccurate and false accounts on my Experian credit report. However, they have failed to properly, legally and transparently investigate these accounts which are damaging to my reputation. I hereby ask the CFPB to ensure they delete these accounts after any re-investigation which must be completed within 30 days or less. Below I have attached the most recent challenge letter I sent to Experian about these accounts to aid their deletion.

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 2021-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
A few months ago I got a copy of my credit report online. I had seen that Credit Acceptance had been reporting the wrong amount owed. When I called the first time, a rep told me that i would need to submit a from on their site or dispute it with the bureaus. As time passed the amounts that were paid on the account weren't being reported correctly. Each time I would call about this balance I was told by a rep to dispute it instead of them just going over the payments and readjusting to the correct 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 2021-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To whom it may concern, I was advised to write to you concerning my credit rating. Unfortunately 2 years ago I was in a financial dilemma due to job loss and health issues. As a result 4 of my payments between XX/XX/XXXX thru XX/XX/XXXX were delayed. I managed to borrow the money to cover the late payments. I paid those payments ranging from 30 to 90 days on four occassions in a four month period but I made sure to fulfill my obligation to ensure Capital One suffered no loss. I'm thankful and appreciative for the years Capital One has provided for me and my family but know those 4 late payments are hurting my efforts for me and my family tremendously. I'm trying to start my business by being a entrepreneur. I have called several times asking for a Forgiveness Act, Goodwill Request, etc ... I also inquired about a UDF ( Universal Data Form ) to send to the credit bureaus to remove these entries. I even mailed them a copy of Sec.4021 credit protection during covid-19 even though the government made it official in XX/XX/XXXX there were reports before then. I quote from which it states report the credit obligation as current or if the credit obligation or account was delinquent before the accommodation. If the consumer brings the credit obligation or account current during that period described in item ( XXXX  ) report the credit obligation or account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TX

Complaint narrative:
I have challenged several inaccurate and false accounts on my TransUnion credit report. However, they have failed to properly, legally, and transparently investigate these accounts which are damaging to my reputation. I hereby ask the CFPB to ensure TransUnion deletes these accounts after any re-investigation which must be completed within 30 days or less. Below I have attached the most recent challenge letter I sent to TransUnion about these accounts to aid their deletion.

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 2021-08-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Evidently your agency is a sham because you NEVER address or repair the issues. You allow the business to dictate their terms placing me and others in financial bondage via incorrect or incomplete information. I could not find out the disposition to a collection agency report on my file that I was never informed they were attempting to collect. A fdca failure. Secondly wrong information on file. I gave opened complaint with Try gen state of Florida dispute almost a year and a half old.nexrlt even though this company claims I can add my own comments they do NOT ALLOW and only offer their canned responses. We are kept in complete financial bondage. Last they will not provide credit score. On line does not work not auto system. Also cfpb you never correct rejection of last 4 social security entry and email issues. It speaks loudly to who you are! " The following form fields are incomplete or have errors : Social security number ( Credit reporting company ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$520.00}

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 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX and I do not have a contract with CREDIT COLLECTION SVCS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$230.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
I was on a forbearance plan through covid. I applied for a modification on XX/XX/XXXX. I made the 3 on time payments needed to be accepted for the modification. I was going to make my XXXX payment on XX/XX/XXXX and I could not online so I called and they told me I was denied for the modification and could not make a payment. 

My XXXX year old son and I live in our home. I have lived and paid for our home since XXXX. We love our home. I was let go for covid in XXXX of XXXX. I can make payments now and they wont let me? 

How can they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: GA

Complaint narrative:
I filed a complaint with Equifax to have so inquiries removed from my credit report, Equifax deleted 18 inquiries but did not delete the rest on my credit report I have 12 inquiries on my repor that I want deleted, I have screen shots of 12 inquiries remaining on my Equifax credit report that I want deleted I do not recognize these inquiries and would appreciate if Equifax delete these inquiries, I have filed a FTC identity theft report and sent to Equifax, you can not get all these inquiries on this FTC report, so Im sending the screen shots to Equifax and show them that the rest needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit System is reporting to all 3 credit bureaus regarding an account with a XXXX  balance that is not owed. I have attached the credit report showing how this account is reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Weber & Olcese, PLC
State: MI

Complaint narrative:
I am already being garnished from this law firm. They continue to add over {$100.00} in charges on my credit report after submitting a {$1200.00} balance to my employer. 
They are falsifying the balance owed on my credit report. My credit report now shows a balance owing of {$1300.00}. 
Furthermore, I am a XXXX XXXX XXXX XXXX. I really hope this company is proud of themselves garnishing a XXXX XXXX XXXX XXXX  on a bill that had been overlooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have applied for XXXX in order to refinance my mortgage with Select Portfolio Servicing ( SPS ) since XX/XX/2021 and they still have not completed this documents. I was told at the beginning of this process to allow them 6-8 weeks, but now it has been more than 16 weeks and nothing has happened. I have made all my payments on time since 3 years ago that they took over my mortgage but because I have a very high interest rate, I'm having hard time making my future payments. I have tried calling and communicating with them numerous times and every time my complains don't get anywhere. It seems like they are holding the note XXXX so please help me get my XXXX completed so I can finish my refinancing to a lower affordable rate with my new lender. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: MI

Complaint narrative:
MADE PAY TO DELETE ARRANGEMENT WITH XXXX XXXX. DELETE. IT HAS BEEN OVER 30 DAYS. I WANT TO FILE A LAWSUIT AGAINST EXPERIAN.

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The Big Banks are at it again. They are deliberately manipulating my checking account and debit card to generate overdraft fees.

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