vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Call XXXX  due to them sending me emails about my account. Have the free credit monitoring with them. Gave my member identification with them and the were asking for my name, social security number, and date of birth. They kept switching back and forth from membership department to other departments. Tried to resolve this with them but, no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
JCPENNEY and their financial provider XXXX XXXX, sent me my XXXX statement to pay on XXXX XX/XX/2020, with a new balance of : {$1600.00} and I paid regularly {$200.00} dollars. 

The next statement for the month of XXXX to pay on XXXX XX/XX/2020 the balance was : {$1600.00} - {$200.00} payment + {$38.00} fees charged (? ) + {$1800.00} interest charges (? ) My new balance for XXXX XX/XX/2020 was : {$3300.00} Without any purchase made by us or either fraudulent purchase on our account. 
It took me awhile to find out what happened and where to go for help. 
I talked to a representative of the bank and she told me that maybe it was a new purchase. 
When I told her that it was not and the statement said it was interest charges, she said that I couldn't have more information about it because I was not the primary card holder. I said that I was authorized by my husband and she said that only to pay and to buy. Not to disclose any other information. 
My husband has been sick for quite some time and I know how deeply affected he gets with this kind of felony. He feels hopeless and doesn't know how to fix or get the help we need. 
I have the statements to show this outrageous amount and also I have been paying every month, which I know I already paid my purchase, though I am still paying for the interest theft because I did not know what to do until now that I am presenting this case to you. 
Please help us out. 
Thank you so much 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 monetary relief
Consumer complaint received 2021-07-12 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
my husband lost his job XX/XX/XXXX do you to Covid we were unable to make our mortgage payment from XX/XX/XXXX through XX/XX/XXXX the company my mortgage was with that offered me the forbearance plan that would be good through XX/XX/XXXX sold my loan in XXXX to a new company. That company is not working with me to get the, What I thought was a Covid forbearance, And was scheduled to be deferred but that's not happening with the new company my goal is to refinance this loan as soon as I get this taken care of but they are not working with me I am at a loss they keep telling me My mortgage is XXXX days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NY

Complaint narrative:
I got theseaccounts that does not nelog to me and i want them to be remove from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I paid off : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX for XXXX XXXX Hospital the majority of medical bills I had except one. I was under the impression that medical bills are not suppose to be a negative strike against the credit score but it has affected my credit score tremendously lower it. 

XXXX XXXX/XXXX paid in full but still showing owed and a negative against my credit score XXXX XXXX paid in full but still showing owed and a negative against my credit score Delenquent Recovery paid in full but still showing owed and a negative against my credit score Navient and the United States Department of Education I am still in school and my student loans are due to be until XX/XX/2026 but it is showing a negative against my credit score ALL THREE CREDIT REPORTING AGENCY ARE CONSISTENTLY LOWERING MY SCORE AS I PAY OFF AND DISPUTE DEBTS!!!!!!

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 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This is a continuation of original complaint..COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. 

On XX/XX/XXXX I wrote a check for my balance and got it to the post office. As of today I have not seen the check post, I have reached out to Comenity several times, I called them and got a representative who said he would put a " ticket '' in for it. I have followed up ... nothing. They are not responding. So as of XX/XX/XXXX, this will be a late charge which is what I am trying to avoid. If they have the check I need to know NOW. If they don't, I need to know NOW. 

" On XX/XX/XXXX after receiving my XXXX statement on-line, I copied it and sent it along with my check for {$2700.00} to the payment center ( XXXX. XXXX XXXX, XXXX, TX XXXX ), The envelope was addressed by hand as I did not have your payment coupon which did not come in for several days later. I wanted to get this paid in full immediately. To date, I have not seen that check post. I called a day or two ago and there should be a " ticket '' submitted by your account representative inquiring as to where the check is ... do you have it ... if not, I have to cancel the check and make other arrangements. I need an answer to this as soon as possible ... not going to be dinged for a late fee, etc. Thank you. I can be reached at XXXX or by phone at XXXX. You have not responded to this question. I need an answer, please! '' This is the third time I have reached out to them ... NOTHING back from them. This is totally inexcusable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called and Chatted with Experian regarding a score of XXXX. I reported to Experian that my score has been the same and they are not monitoring or updating my credit report score. I even told the rep that XXXX XXXX and XXXX  files and my score stay the same. I had identity theft and fraud on my credit and provided a police report number to Experian and my score remained the same. The rep from Experian assured me that this issue would be resolved, nothing has changed. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I got theseaccounts that does not nelog to me and i want them to be remove from my credit report. 

1. Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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: Rent Recovery Solutions
State: GA

Complaint narrative:
Rent Recovery Solutions is reporting and account on my consumer report in error and they are trying to collect a debt that I do not owe. Rent Recovery Solutions have not provided me the original contract that bears my signature nor have they provided me any contract between them and I that states I owe them a debt. Rent Recovery Solutions have violated multiple sections the FDCPA. They have violated section 805 15 U.S.C. 1692c- Communication in Connection with a debt collection. Rent Recovery Solutions continues to call my phone before XXXX XXXX. which is a violation. I have sent them a cease and desist letter stating that I refuse to pay the debt. They have yet to cease all collection activities. They are still reporting this account to my consumer report, which per court case TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. They have violated section 806 15 U.S.C. 1692d - Harassment or Abuse. Rent Recovery Solutions has threatened me over the phone and have used profane language towards me which is a violation. They have violated section 807 15 U.S.C. 1962e- False or Misleading representations. Rent Recovery Solutions have gave false representation or implication that they operate or is employed by a consumer reporting agency as defined by section 603 ( f ). I will seek damages under section 813 15 U.S.C. 1692k- Civil Liability for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
I filed a compliant against U.S. Bank in late XXXX XXXX # XXXX XXXX for a hold on my credit card while receiving spam calls. U.S. Bank responded and stated that " on XX/XX/XXXX, we were able to complete the verification process and remove the hold off your account. '' Following U.S. Bank 's response ( attached ), I called the customer service and successfully activated my credit card on XX/XX/XXXX. However, one day later, U.S. Bank closed my account for no reason provided to me. I simply noticed my credit card account dissappeared in my app and called in. I was told that I needed to call XXXX to speak with someone. I called and it turned out to be their " authentication '' department. A rather rude rep simply insisted that I needed to " authenticate '' myself in U.S. Bank branch and then abruptly hung up on me. As a New York State resident, I know that there isn't any U.S. Bank branch in my state, or even in Tri-State area. I verified this via U.S. Bank website. Does U.S. Bank really think I need to fly to Minnesota to " authenticate '' myself? If this is the case, U.S. Bank should not accept any credit card applications from the states where it does not have retail branch, because I am sure no customer will travel by air to their branch to establish their identity. 
As I have other credit cards, I am fine without their credit card. However, I found their practice strange, arbitrary and discriminating. I am writing to let CFPB and the readers know it so that you are aware.

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 2021-07-12 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: Happy Money, Inc.
State: WI

Complaint narrative:
I am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with XXXX XXXX. XXXX XXXX would clear the incorrect information only to have Happy Money report it again within 30 days. This month they are now reporting incorrect payment history to XXXX. 
When I was a Happy Money customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company onXX/XX/XXXXfor resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
When I paid off ( Never late nor missed a payment ) closed this account on XX/XX/2021, I was told it would not affect my credit score which I had worked hard to achieve at XXXX, then after I checked my credit score with XXXX  Credit I saw that the company Synchrony Bank/Care Credit had noted that they the ( Grantor ) had closed my account and added that to my credit report, Which is " Untrue '' as I had requested my account be closed due to non use of their credit services, I feel this is a direct slap in my face being penalised for requesting this. Now how many other people have had this company do this to them without an explanation of reason ... 
So I will not delete this concern until this is resolved .... 
Now my credit score has dropped over XXXX as a result of Synchrony Banks " Misstatement '' of the facts and I want this corrected and an apology from this company ... Or reinstate my account with the original credit line.

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