vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I CAME ACROSS SOME ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES HAVE NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED AS SOON AS POSSIBLE BECAUSE THIS SITUATION HAS CAUSED A VERY BAD LOOK ON MY CREDIT FILE.

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 2020-12-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I CAME ACROSS SOME ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES HAVE NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED AS SOON AS POSSIBLE BECAUSE THIS SITUATION HAS CAUSED A VERY BAD LOOK ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
on XX/XX/2020 I went in to XXXX XXXX to have a FREE CONSULTATION, i was " helped '' by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. after not liking the actions they wanted to take i decided not to follow through with any work being done or any more apointments. i did not give permission for my credit to be ran which in turn gave me a hard inquiry and even more so an OPENED ACCOUNT! it was brought to my knowledge by an email from my credit monitoring that an account was opened in my name!!! i called the office and spoke to a person named XXXX and he admitted that my credit shouldnt have been ran without my consent neither should an account have opened in my name if i was only going in for a free consultation ... now i am in the process of trying to have this removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I am re-filing a complaint against ( original CFPB complaint XXXX number ) SPS Servicing XXXX. 

Loan Account Number : XXXX Select PortfolioServicing, Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, Customer Relationship Manager, ( XXXX ) XXXX Ext : XXXX Letter sent to CFPB XX/XX/2020 in response to closing case number XXXX " I remember the Loss Mitigation form from SPS, and I completed as I thought it was related to extending my Forbearance. If that was not the case, then that should have been explained to me. There was plenty of opportunity to clarify how it differed because I called and wrote. 

Again, based on the CARES Act, I had the option to request additional 6-month forbearance and I made several requests way before XX/XX/XXXX. I made my first request for forbearance on XX/XX/XXXX when I sent 2 additional 6-month forbearance request letters via the website to Relationship Manager, XXXX XXXX, via the website after speaking with XXXX XXXX at XXXX XXXX CST on that day. I also spoke with Ms. XXXX who said it was not time to request a forbearance so soon. 

Again, on XX/XX/XXXX, I called and made another request on XX/XX/XXXX. I followed up with phone call and another request for forbearance extension on XX/XX/XXXX and again XX/XX/XXXX ( a letter ). There were at least three written attempts via your website requesting additional 6-mo forbearance extension. All correspondence would have been sent to the Relationship Manager, XXXX  XXXX. 
It is not XX/XX/XXXX, even though SPS has attempted to run out the clock. I am filing another complaint with CFPB and will be contacting them Monday, XX/XX/XXXX. '' I have the documentation to prove that I requested a 6-month additional forbearance well before XX/XX/2020, as provided by the CARES Act : Request letter from XX/XX/2020, XX/XX/2020. 

SPS is not acting in good faith and based on CARES Act rules, as I made 6-month forbearance extension request in a timely manner. If CFPB can not help me, then legal remedy may be taken by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc
State: NJ

Complaint narrative:
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are removed from my credit report. Sometime between XX/XX/XXXX and XXXX, 2020, I received XXXX collection letters dated XX/XX/2020 ( same date on both ), trying to collect on the same alleged account with XXXX XXXX XXXX, the name of the XXXX collections are XXXX XXXX XXXX and TATE & KIRLIN ASSOCIATES , INC, the account that they are trying to collect on is part an issue with Identity Theft. By the way, can XXXX parties collect on an account at the very same time? ... Well, I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
A credit card was opened in my name by someone else. I have talked with the Bank that the card was opened with and they have said that they have deleted the account. XXXX will not remove the account from my credit report. I have disputed it multiple times

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 2020-12-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up with a company called XXXX XXXX, they are a program for mortgage professionals. I have cancelled with them since XX/XX/XXXX!! 

I don't check my credit card statements often because I don't use the cards often. 

This company has been charging me after I cancelled with them since XX/XX/XXXX!!! XXXX dollars a month, and some months XXXX dollars! 

I disputed this with Chase and they said they can't do anything, because they can't only credit me for 60 days and they will contact the merchant as well to get them to stop charging me. 

Well it's now XX/XX/XXXX and the merchant sure enough is still charging me!, I have not used the card and finally logged on to check my account and prepare for tax season and I see that I am still being charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
This collection agency Mandarich Law Group has misrepresented this matter on several levels from statement of being attorney 's, filing a claim fraudulently, garnishing wages on a settled/paid claim. I was first notified of this matter through my employer upon a garnishment notice. Upon receipt I contacted this company who stated they were attorney 's representing their client XXXX XXXX XXXX XXXX, who has acquired a debt from XXXX XXXX. They stated they a case was filed in court and that a judge had granted award. When I spoke with them in regards to the erroneous nature of the claim and that the court filing had been perjured as I had never been served any documentation by XXXX, XXXX XXXX XXXX nor Mandarin Law Group as it pertains to this case or it's validity. When the facts were presented we were offered a settlement, and for the sake of time we countered the offer and agreed upon a settlement as to not increase case load in the Superior court system. The agreed upon amount was paid on XX/XX/XXXX in the amount of {$7400.00}. At that time I requested that ALL garnishments be terminated and refunded, of which I was told that they would provide that information to employer, court and Sherriff civil department. On XX/XX/XXXX I notified the Mandarin Law Group that garnishments were not terminated as agreed upon and this was a breach of agreement. As I have upheld my portion of the agreement. They have misrepresented by claiming to be attorney 's and they are indeed a collection agency, when I requested to speak with the attorney assigned to the case it has never been one available to speak with me or contact me. When I addressed the perjury in this case there was no correspondence. The entire case is based on false claims and from a company ( XXXX ) that has thrived on predatory lending practices of which I plan on pursuing as this case had been paid sometime ago with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
the collection was added to my account as a newly opened debt from XXXX, I am not sure when it was open but it was before XXXX. I have disputed this with all credit bureaus but they say the debt is valid. They are not even reporting accuracte dates or amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems, L.P did not contact me or provide a notice to dispute the debt from XXXX XXXX  for less than {$40.00}. Instead they put it on my credit report as not paid. I saw this on my credit report and immediately called them to pay. I never received a bill from XXXX  or southwest. I asked southwest to remove it from my credit report after I found out about the debt and subsequently paid it, and they refused to remove it. Then southwest sent me the 1st communication to pay the debt via email two days after I paid it! I told them I would file this complaint and Im happy to provide as much supporting evidence as possible. How they handled this was not right. They never provided me a bill nor an opportunity to dispute the debt. I believe this debt collection agency is violating the FCRA and their practices should be scrutinized. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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:
A credit card was opened in my name by someone else. I have talked with the Bank that the card was opened with and they have said that they have deleted the account. Experian will not remove the account from my credit report. I have disputed it multiple times

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 2020-12-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just turned XXXX and was curious if I have a credit score. I went to this website called Trans Union and signed up to see if one exists. The site asked for my credit card number. I thought it was needed for verification or something. Now I see a XXXX charge on my XXXX for today XX/XX/20. I don't even have a credit score or report yet so what am I being charged for. I want my money back and this service cancelled asap.

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 2020-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management
State: VA

Complaint narrative:
the collection was added to my account as a newly opened debt from XXXX, I am not sure when it was open but it was before XXXX. I have disputed this with all credit bureaus but they say the debt is valid. They are not even reporting accuracte dates or amounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I contacted Dovenmuehle at the beginning of XX/XX/2020 because I got financially impacted by COVID-19. I then submitted an application to enter the forbearance Plan. I qualified for a suspension of payments from XX/XX/2020 to XX/XX/2020 and then i received a letter on XX/XX/2020 that extended my forbearance agreement from XX/XX/2020 to XX/XX/2020. I then Also received another letter on XX/XX/2020 stating that I was approved for a payment deferral, and they will defer my past due amounts to bring me current. On XX/XX/2020 Dovenmuehle sold my loan to XXXX XXXX XX/XX/XXXXas a delinquent account with no knowledge about the forbearance plan that Dovenmuehle had already done to my loan. My loan was reported to my credit on XX/XX/2020 negatively impacting me lowering my score 59 points. XX/XX/XXXX sent me a bill asking for the total past due amount. Dovenmuehle failed to sold my loan with the same terms and conditions that we had agreed to prior to selling it to XXXXXX/XX/XXXX. Ive been trying to fix my credit score and forbearance plan with both mortgage companies for the past 60 days and nothing have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-24 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: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is refusing to work with our bank XX/XX/XXXX XXXX and cooperate with a ongoing investigation were fraud was committed against myself and my husband on XX/XX/2020 I closed out are Wells Fargo accounts on XX/XX/2020 someone called my husband phone number stating they were a Wells Fargo employee they new are account number and said they needed to process a payment for our time share my husband had forgotten I closed the accounts on XX/XX/2020 my husband made out a check payable to Wells Fargo with our account to be deposited to our account, but it was closed someone deposited that check into there Wells Fargo account Wells Fargo authorized the transaction knowing are account was closed my bankXX/XX/XXXXtold us to take documents to Wells Fargo to be notarized for a fraud case the branch manager XXXX XXXX @ the XXXX location refused to help us

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 2020-12-24 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: MO

Complaint narrative:
I had an auto loan with XXXX XXXX. I have been timely with all my payments, for 4 years straight. In 2020, I had an accident that totaled the car out. My parent insurance company, XXXX XXXX, paid the larger portion of the remaining loan, about 85 %. My GAP insurance company paid about 10 %, and I had the remaining portion at about 5 %. My last communication from XXXX XXXX was a letter dated XXXX XXXX, 2020, just telling me that my different options for paying off the {$810.00} that was left. There was no timeframe for which I had to get it paid, nor any threat or communication at all regarding reporting it to my credit as a closed account within 90 days. I had purchased a new car in XX/XX/2020, so I had a new car payment. Given the new car purchase, I was not able to make 2 car note payments, so I was trying to figure my finances out. I expected for XXXX XXXX to contact me with a bill, as they have done monthly for 4 years. They never contacted me again, and then all of a sudden, XXXX XXXX, 2020, they reported to the credit bureau that the account was closed, as if I refused to pay it! I was informed by my credit monitoring service on XX/XX/2020, which was a Saturday. I immediately called but they were closed. I called first thing Monday morning, and asked about options to reverse what they had reported on my credit. They refused to change it, and offered me a settlement. I immediately paid {$480.00} of the {$810.00}, and they accepted payment and told me to dispute the credit report. I filed disputes with all 3 credit bureaus, and as a result, XXXX XXXX is now showing I paid a settlement, but that they charged off over {$2000.00}! This has caused my credit score to be lowered by 75 points!XX/XX/XXXX did not give me the notice that this would adversely impact my credit within 90 days, and did not give me the opportunity to pay the account before choosing to publish this on my credit report. I think that is an unfair business practice, especially after I have made on time payments to them for over 4 years. Nothing in my payment history suggested that I would not pay the remaining portion of this bill.

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