vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Spoke to a customer service representative on XX/XX/20 about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.

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 2021-12-20 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Spoke to a customer service representative on XX/XX/20 about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.

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 2021-12-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I was diagnosed with XXXX on XX/XX/XXXX, and forced to retire early from my longtime career with the XXXX XXXX XXXX, which reduced my income drastically. 

I am a single mother and have had a mortgage with XXXX Mortgage/Shellpoint for XXXX. I was inquired about forbearance and was approved on XXXX. I was able to make the XXXX payments and was offered and approved for another forbearance on XXXX. XX/XX/XXXX, I received another letter from Shellpoint telling me I was approved for forbearance until XX/XX/XXXX. 

I received a phone call from one of the many points of contact I have had, on XX/XX/XXXX telling me that my forbearance ended on XX/XX/XXXX and they would not accept my XX/XX/XXXX payment. They also said I had a past due payment from XXXX which had never been discussed and I was not aware of. 

I had to Lease to Purchase my home out until I could have the Roof repairs because of a hurricane so they could purchase my home and I could pay off the mortgage company. These repairs have been made and I owe the mortgage company 1/2 of the value of my home. 

I asked for a modification on my loan until my tenant could secure financing. Shellpoint said I would need to furnish them with the Lease agreement and 3 months copies of payment checks from the tenant which I did for XXXX, XXXX and XXXX After furnishing them and staying in constant contact with them they informed me that they will not give me a modification or a forbearance and they intend to Foreclosure on my home unless I can give them the full amount of the forbearance payments which is unrealistic and impossible under the circumstances. 
Because of XXXX and complications, I have not only been forced to retire but I have had to file for XXXX. 

Any assistance or advice on my rights would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Mortgage company is inaccurately reporting late payments during forbearance/modification process My mortgage was sold to a different company while I was on a covid forbearance plan. The new company immediately reported the loan as over 180 days past due. They admitted it was a mistake and said they did it to a bunch of clients by accident. However, its not been fixed. In fact it was reported a second time and has taken my score from an XXXX to a XXXX. I was planning to buy my daughter a car for her bday in 2 weeks and now I cant. I have disputed it but it is still processing. 
Timeline : First notification of negative reporting received XXXX XXXX. They told me it would be fixed and that it had happened to a bunch of their customers. 
XX/XX/XXXX I called back because it was still not fixed. They said it had been fixed on the XXXX ( the day before ) but then said they send the batches of corrections on fridays, so it would be updated by XX/XX/XXXX. 
On XX/XX/XXXX, I received a notification that it was reported late again and my score dropped even lower and it still remains showing late on all 3 credit reports. 
I called again today, XX/XX/XXXX, and spoke to XXXX XXXX, he again said they fixed it on the XXXX but didnt know why it was reported late still. He tried to help but didnt really have any answers. He escalated the issue and requested an email be sent to me stating it was a reporting error but that the email could take 30 days to receive. 
They have destroyed my credit so badly that I cant do anything. I had excellent credit and no late payments before. It has also done the same thing to my husbands credit since this is a joint mortgage account. 
I asked this question on XXXX and an attorney said it would be a good class action lawsuit. I just want my credit fixed they have literally caused me to put a hold on all my financial plans. The company name is Community Loan Servicing, LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
My vehicle was stolen and was never found. My insurance company paid out both me and the lease holder ( Mazda Financial Services ). I confirmed with Mazda Financial Services that they received their payment and show a {$0.00} balance with regard to the lease. However, Mazda Financial Services told me they would continue to charge me my monthly lease payment ( 2 months in at this point ) until they received a specific letter from the insurance company. All of which is out of my control. So even though the lease had been paid off and had no balance Mazda Financial Services said they are not going to close my account and stop payments on their end until they get the paper because " that's just the way it is '' as they put it. So I am paying monthly for a car that doesn't " exist '' and which everyone has been paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
They must have a case of mistaken identity. I am a Silver Member of XXXX XXXX 
XXXX XXXX # XXXX XXXX ( current tier through XX/XX/XXXX ) XXXX points to date as of XX/XX/XXXX My account is clear and free and I have spent {$1000.00} 's. in rentals. 

Feel free to call the manager at your XXXX XXXX location to verify any of this comunication at XXXX. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
im submitting this dispute for the unfair and inaccurate information BMW SERVICES is reporting to the reporting agencies. they are reporting different monthly payments as well as different dates for " DATE LAST ACTIVE ''. im reaching directly to the furnisher as I have already tried to dispute the inaccuracies with the credit reporting agencies and nothing has been done. I am demanding BMW to be removed from my credit report immediately for inconsistently reports and lack of integrity of the account. According to 12 CFR 1022.42 each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: MI

Complaint narrative:
I have sent letters to Equifax for 6 months asking them to investigate and remove incorrect information from my credit report. They have ignored every letter I have sent. They violate the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-20 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
The Plaintiff does not have correct transfer of mortgage loan and investor 's title. 

Moreover, currently the present lender has the breakdown on Chain of Title on this property. 

Originally the investor XXXX XXXX was the owner of my mortgage loan for this property, since the beginning. But due to an error in the Chain of Title XXXX XXXX is not shown that they were an investor / owner since the beginning. 

I am enclosing my correspondence with present mortgage loan servicing company, and I am unsuccessful to resolve this matter of defective transfer of mortgage loan and title on this property. 

Hope to hear from you soon on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo diverted funds that were earmarked for my line of credit loan. Wells Fargo claims that 6 years ago, I missed an insurance payment and deducted {$440.00}, from my loan payment. I've disputed the claims, and received an XXXX page packet of useless information. I've noticed that my complaint is moved from person to person at WF and, they all have the same phone number. 
By diverting the funds from my loan, Wells Fargo is guaranteed to earn interest on the {$440.00}. Over 15 years this interest could be {$400.00} or more. Conflict of interest. 
I haven't been able to get the exact amounts, or dates. As far as I can tell, on XX/XX/2021 Wells Fargo deducted {$300.00} from my loan payment. On XX/XX/2021 Wells Fargo deducted {$140.00} from my loan payment. 
I have excellent credit. Wells Fargo is trying to say that I've made every payment that I've ever owed except for this one. Obviously false.

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 2021-12-20 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: LA

Complaint narrative:
Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes. please investigate this matter immediately!

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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 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: OR

Complaint narrative:
Experian started a fraud alert on my credit without notifying me that they did this. I spoke with a CSR and it was suppose to be resolved. I just got denied a credit account as Experian is showing a false credit history, the Fraud alerts that is still on the account and now they have made it so I can't log in. Unfortunately 3 years ago we did have to file bankruptcy which cleared all of our negative credit issues, Experian was notified of this and is still showing the delequint accounts and is refusing to resolve the issue. I have already spent many hours on this issue with them and they refuse to resolve the issues. This is criminal behavior to say the least.

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 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Duncan Solutions, lnc.
State: WV

Complaint narrative:
This is a Third Party collector called XXXX ( Professional Management Management ) located at XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX, I received their threating letter on XX/XX/21 a collection notice for XXXX dollars stating that XXXX XXXX Police XXXX got a citation fine for parking more than 2 hours in the inlet. I called customer service to dispute the charges or/when and how this happened. 

I called today XX/XX/21 and spoke to customer service and stated that this was for XX/XX/21 which was accurate, but I stated that I paid my ticket there. So, I requested to be waive off as a first time, something that it was not possoble according to them, because it was overdue. 

I said to them that I never received the 2 dollar differencce bill in the mail requesting that hour to pay it off. XXXX claimed that they sent me previous notices in the mail to my address in West Virginia which is a lie. I never received anything in the mail previously. This is a complete scam and needs to be investigated inmediately. There are hundreds of complains already. I hope you can do something about this to protect custumers in this country. This company is ripping people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Please kindly immediately delete and eradicate these accounts from my XXXX XXXX and XXXX XXXX Attached is the proof I owe 0 $ already everything is settled for good but I dont know why this information still appears. This is immensely frustrating so kindly have a look immediately and solve this on priority.

Company response to consumer: Closed with non-monetary relief