vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I have a buyer willing to pay the bank {$990000.00} and payoff {$300000.00} in violation and bank is refusing to accept. My credit will be ruined and I will never be able to buy a house if a foreclosure is reported on this property

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have 2 late fees on my account. With payments made. Issue is on XXXX I paid my XXXX bill and on XXXX I paid my XXXX bill. They said because my XXXX payment went in previous cycle since statement wasn't cut until XXXX. My payment on XXXX was for XXXX. I am paying 26 days early and I get 2 late fees and they are stating it is my fault. 

David 's Bridal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Needed lower payments, was not able to get them lowered

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Waypoint Resource group has a collection on my credit report that does not belong to me. It says it's for {$220.00} from XXXX. Whats funny is I have XXXX  services at my home. Have had them for 3 years. I can't figure out how they think I owe them money when I pay my bill every month and I continue to have service with them. I sent a letter to Waypoint XX/XX/XXXX asking for " validation '' bearing my signature saying I owe the debt. Of course they never responded so after 30 days I sent them another letter XX/XX/XXXX asking for " validation '' with my signature. They finally responded with just a bill statement and of course no signature of mine. I've had enough of these people damaging my credit over {$220.00} so I'm filling with small claims against them. {$1000.00} for each violation of Defamation, neglect enablement of identity fraud, violation of the Fair Debt Collection Practices Act, and violation of the Fair Credit Reporting Act. Cant wait to count my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On my XXXX  credit report, the balance for my Victoria Secret Comenity credit card still indicates a balance of {$110.00} - it has not been updated since XX/XX/2019. Per the Victoria Secret Comenity credit card center, my balance is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: TN

Complaint narrative:
I had an account with XXXX XXXX that went into collections. They sent it to a third party. I was contacted by a few third parties over this debt so I honestly do not know what XXXX XXXX was doing but the last one that contacted me was the one that had it on my credit report. I paid the debt. Now this Vance and Huffman add the same balance to my credit report. I contacted them and they state the other company does not have rights to the debt so I have to pay them even though I already paid the other company. I called XXXX XXXX and they stated the original company I paid has actually got the debt. I called Vance and Huffman again and explained it and they rudely argued with me and refuse to work with me. They state they will not remove it from my credit report even though I paid the other company and the original creditor agrees it is paid off. I do not know what to do. They refuse to help and all this when I was trying to get my house refinanced and now have to pay a higher interest rate because of this. Both XXXX XXXX and Vance and Huffman has handled this poorly as XXXX XXXX is telling me there is nothing they can do as they are no longer responsible because they sold the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 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: AR

Complaint narrative:
For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX/XXXX  XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$4000.00} XXXX/XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$290.00} XXXX/XXXX  XXXX {$550.00} XXXX 'S XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$22000.00} XXXX/XXXX  XXXX {$670.00} XXXX  XXXX {$6400.00} XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX {$2000.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX   XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX XXXX {$2500.00} XXXX  XXXX {$120.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$890.00} XXXX  XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$3500.00} XXXX/XXXX XXXX {$720000.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 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: GA

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.

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 2020-02-03 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: GA

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On my Experian credit report, the balance for my XXXX XXXX XXXX credit card still indicates a balance of {$110.00} - it has not been updated since XX/XX/2019. Per the XXXX XXXX XXXX credit card center, my balance is {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARVANT FINANCIAL LLC
State: TN

Complaint narrative:
Car vanant  Off credit report is wrong I dispute serve all times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Screening Reports Inc.
State: IL

Complaint narrative:
SCREENING REPORTS, obtained my background check and credit report without my permission or signed consent. I did not authorize any housing application with Indiana housing to consent to a background check with this company. Nor did I give SCREENING REPORTS, INC permission to place a hard inquiry in my credit report as well. SCREENING REPORTS, INC also reported incorrect information in my credit report as well. SCREENING REPORTS, INC has refused to remove the hard inquiry from my credit report and I want it removed.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2020 XXXX/XXXX, XXXX, XXXX XXXX did a hard inquiry on my credit even though I don't know them and I am not applying for any 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 2020-02-03 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: GA

Complaint narrative:
XXXX, XXXX, AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS : Accounts : XXXX XXXX  Account number XXXX Date Opened - XX/XX/2016 Account Type - Personal Loan   Balance - {$9300.00}. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX PLEASE REMOVE THE LISTED ACCOUNTS AND BLOCK FROM FROM CREDIT REPORT. ACCOUNTS ARE FRAUDULENT AND UNVERIFIABLE.

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 2020-02-03 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: GA

Complaint narrative:
XXXX, EQUIFAX, AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS : Accounts : XXXX XXXX Account number XXXX Date Opened - XX/XX/2016 Account Type - Personal Loan Balance - {$9300.00}. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX PLEASE REMOVE THE LISTED ACCOUNTS AND BLOCK FROM FROM CREDIT REPORT. ACCOUNTS ARE FRAUDULENT AND UNVERIFIABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX  Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}

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 non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I contacted my mortgage servicing company shortly after I received notice from the county assessor 's office that our XXXX real estate taxes have not been paid. I emailed them the information that they requested and waited for about a week before checking back in. There had been notes made on our account as to the problem, that the information needed was received, etc., but no payment had been sent yet. I waited a few more days and again checked back and again, notes made, but no payment had been sent for our real estate taxes. I emailed them again and demanded that they pay our taxes and I did not get a response this time at all. 

Our real estate taxes are around {$7400.00} per year. Their failure to pay our taxes by the due date of XX/XX/XXXX has now created a tax consequence where we have missed out on a tax deduction and consequently could owe more tax than we should have if our taxes had been paid. 

Please advise us as to what recourse we have and how to get our taxes paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America was the lender for the first mortgage and HELOC. The account numbers are as follows : 1st mortgage # XXXX XXXX XXXX HELOC account # XXXX XXXX XXXX I discovered an error in the amount of {$81000.00} which was not credited to my HELOC account # XXXX, as previously agreed upon. 
I sent two notice of error letters to the bank in XXXX and XX/XX/2019. The bank did not respond or investigate the matter. Eventually, the bank sent a letter and declined to do anything. Please read the attached letter for specifics.

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 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have a pre-paid cell phone account with XXXX that I opened in XXXX. In XXXX, I started receiving collection calls from I.C. System, a collection agency stating that I owed {$65.00} to XXXX that XXXX sold to collections. 

On XX/XX/XXXX, I called XXXX to find out what this amount was and why I had not received any communication from XXXX about this amount owed. I initially thought it was fraud and I called XXXX to find out more about it. They did not share any information with me about the debt and why I had not been contacted about it before it was sent to collection. 

I called the collection company on XX/XX/XXXX, I learned from the collection company that the cell phone number that is in collection is the cell phone I am using with XXXX to date. It is ACTIVE with XXXX and I am still using the account to date. XXXX NEVER contacted me about owing them {$65.00}. I never became aware of this debt until I was contacted by the collection agency. If XXXX had contacted me, I would have clarified for them that it was an error. The collection company also advised me to call XXXX to clear this up. When I tried to call XXXX again I was informed that I am not allowed to talk to a customer service representative and I should use the online options. 

I do not owe XXXX. The {$65.00} is an error on their part and if they had given me a chance I would have explained it to them. Please help me to have XXXX correct my record and not ruin my 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 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
My home loan was transferred from XXXX XXXX mortgage service to Fay Servicing. Fay Servicing is reporting my loan as a bankruptcy, where I am not in a bankruptcy. I've call them several times to clarify the issue and offered to send in paperwork to prove it. They are telling me not to send them any documents.This company has a lot of bad reviews, and some cases are similar to mines. I don't feel secure about this company with my loan, just not sure what to expect in the future. I make my payments on time, and they are not reporting to the credit bureau.I am not understanding why my home loan stating : ( we are attempting to collect a debt ) .Not good info at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent three rounds of dispute letters to Equifax in the months of XXXX through XXXX each time I asked them to validate these medical accounts but they never did as a result they're telling me they're no longer investigating on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I married my husband in XX/XX/XXXX and during the course of our marriage, he did not permit the kids to get the mail and he was very adamant about getting the mail himself. He would hand me my bills, but he was quick to tear up everything. If I saw something with my name on it, I thought it was just some sort of advertisement to open a new card or transfer a card balance, junk mail. Two credit cards were opened in my name : one in XX/XX/XXXX and another inXX/XX/XXXX. We were living together in XXXX and I did not give him permission to open a Citibank card in my name. I did not know about or the one opened in XXXX. Of course, he had access to my personal information. He opened these cards and he had an automatic payment set up from his account to pay the card off monthly or with monthly payments. I was not on that account. I can not be traced to any account charge or receipt signatures. I only knew about these cards when we were getting divorced and a Citibank envelope came to my address in my name. I pulled a credit report and there they were. I called the company reported the above situation. I didn't even know the password and had to have my son 's help, " What was one of your dad 's old dog 's names? '' This was recorded on the call. If I opened the account, I would know something such as that. Of course, I know my social security card number. I now have a XXXX $ balance that is not mine. 
The explanations from Citibank : The card was mailed to your address : BECAUSE WE LIVED TOGETHER Your phone number activated the account : BECAUSE HE HAD ACCESS TO IT Regular payments were made on the account : FROM HIS SOLE CHECKING ACCOUNT THAT DID NOT HAVE MY NAME ON IT, WAS THIS TRACKED TO HIM? YES. 
Your verified contact information is on record with previous communications : THE ONLY TIME I CALLED WAS WHEN I FOUND OUT ABOUT THESE CARDS IN XX/XX/XXXX/XX/XX/XXXX. WHERE ARE THE RECORDINGS THAT I CALLED? WHO IS ON THE PHONE? NOT MY VOICE. 
I was aware of the account and permitted it to continue : I DID NOT KNOW ABOUT THIS ACCOUNT. 

I do not feel Citibank did a thorough ENOUGH investigation nor made an informed decision. It doesn't always have to be a thief on the streets taking your identity or using your GOOD CREDIT. I have never had more than my XXXX Visa credit card and my Credit Union credit card. I have a pattern of only ever having had these two cards for many many years. If his name was pulled, he will have plenty in his name opened and closed. This speaks for itself.

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 2020-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Pen Credit is attempting to collect a debt that does not belong to me and i have disputed this debt with this company for over 6 months. They have not investigated my dispute properly and my credit report is being damaged. Once I discovered the account on my credit report i reached out with a dispute letter to the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation