vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
Negative information appeared on my credit file XX/XX/2020 in the amount of {$500.00}. On XX/XX/2020, I called the collection agency, Simon Agency, and  spoke to them to find out why, as I had never had any communication from them and had no idea who they were. They said it was a hospital bill for my son, dating from the previous spring that had not been paid. I explained that my son had insurance and I had called the hospital and given them that information several months prior. I also explained that I was not there and had not signed anything at the hospital, and my son had given them his insurance card when his ambulance arrived, I only arrived in time to take him home. The collection agency told me that didn't matter, however they did take his insurance information and said they would put it in dispute. 
I called the agency XX/XX/2020 to follow up was told the matter was not cleared up and I needed to be patient due to COVID-19, but they felt it would be resolved and removed soon. 
On XX/XX/2020, I pulled my annual credit report and was surprised to see the collection agency had verified the collection account on XX/XX/2020. I called them again and said it needed to be removed at this point as it had been far more than 30 days that it had been in dispute, it was not my debt, it was covered by insurance and they were wilfully hurting my credit. They told me they were going to wait to hear from XXXX XXXX 's billing department, and it did not matter how long it took. I explained that the law gives them 30 days and I had gone beyond that as requested, however, it now needs to be resolved. They passed me to several people, none helpful, then sent me to a voice mailbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: NJ

Complaint narrative:
Inaccurate information on credit report.

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 2020-05-15 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: NJ

Complaint narrative:
Inaccurate information on credit report.

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 2020-05-15 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 — Problem with personal statement of dispute
Company: Franklin Collection Service, Inc.
State: AR

Complaint narrative:
On XX/XX/2020, I contacted Franklin Collection Services to come up with a mutually beneficial solution to my debt in the amount of {$720.00}. After explaining that I am in possession of a letter stating that another debtee had their debt deleted from the credit bureaus, I was told that that letter was not from FCS, because they did not delete anything from credit reports. I called again the following Wednesday to try to come up with an agreement again. After speaking with them, they told me that they were only collecting a debt FOR XXXX XXXX XXXX, that they had not purchased the debt, and that XXXX XXXX XXXX would not approve a deletion. I then called XXXX XXXX XXXX, who informed me that the debt was no longer in their system, indicating that it HAD been sold to FCS. XXXX XXXX XXXX explained that they were not in any way preventing an account deletion from a credit report. I called FCS back, and was told they could delete my account from the credit report. I said I would pay 50 % of the debt, ONLY if they agreed to delete the account from my credit report. Two days later, I emailed them with the letter of deletion from a different account as a reference, and FCS responded with stating that it was not an XXXX XXXX XXXX deletion letter and they only did deletions for medical debt, therefore they would not delete my account from the credit report. I have since received two letters from them stating that I have failed to pay a payment agreement for the full amount of the debt. I NEVER agreed to pay the full amount, and, in fact, never authorized a payment or agreed to make a payment without the assurance that my account would be deleted from my credit report. I am being blatantly discriminated against and treated differently than other debtees. They have given me a runaround, after spending an inordinate amount of time trying to come up with a mutually beneficial solution, only to be fed conflicting resolutions, and then be told that I made an agreement to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I have been trying, for the last one and half years with no success, to remove the private mortgage insurance ( PMI ) which I qualify under federal, state and investor requirements. 

When we last spoke to the mortgage company we were told, since an appraisal fee of {$150.00} was not paid on time, the request has been canceled. But we were never notified to pay that amount to begin with despite their claim a voice mail message was left in regards to that. 

Also a late fee was assessed on XX/XX/2018. I was hospitalized over 3 weeks for XXXX XXXX ( aka XXXX ) during that time and was unable to pay monthly mortgage on time. I provided documentation to that effect and requested that the late fee be removed numerous times, to no avail. This is despite I had paid my payment on time every month on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I have been trying to access my bank account online at XXXX XXXX XXXX XXXX XXXX. My account was blocked online. On XX/XX/XXXX, XXXX, XXXX, I called but the phone numbers provided for my bank are not working. I get a reply saying the number is out of reach at XXXX and XXXX. On XX/XX/XXXX, I contacted the bank again through their " online chat '' and the agent referred me to the above-mentioned numbers. When I replied that those numbers were out of service, she apologized and told me to keep trying and that she couldn't give me any more information. 

I suspect the account was blocked because a couple of weeks ago I had to put a " fraud alert '' because someone tried to open a XXXX XXXX account using my information fraudulently. However, I was never contacted by my bank to verify any information and given that I cant reach them and they cant provide me with any other information I am at loss as to how to proceed.

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OpenRoad Lending
State: MD

Complaint narrative:
I was searching my offers for refinancing my auto loan through XXXX, and many offers came out, but I wasn't interested in any of them, 5 minutes later I received a email from XXXX XXXX telling me that a new hard inquiry was just added to my XXXX   credit report, and after that I received an email from www.openroadlending.com saying " We have completed processing your loan application. Come back to our website '', I don't know who is this company and why they are doing a loan process without my permission, I wrote them but I still don't have an answer from them, so I don't want a hard inquiry if didn't do my consent, that will affect my credit score, the name who is shown in XXXX XXXX is XXXX   XXXX, I already call them and they told me that they work with OpenRoad Lending

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

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 2020-05-15 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: NJ

Complaint narrative:
On XXXX XXXX I wrote to Experian regarding identity theft noticed on my credit files. It was sent certified mail return receipt requested on XX/XX/2020 with tracking XXXX. They responded that the account remained and verified as accurate. 
On XX/XX/2020, I responded back to Experian Certified mail return receipt, with tracking XXXX requesting a validating contract under Section 609 of the Fair Credit Reporting Act. They responded with no verification and only advising again it remained and was verified as accurate. 

On XX/XX/2020, a letter was written to XXXX XXXX XXXX NJ XXXX that requested validation of the account. No response. 

On XX/XX/2020, a second request was sent to Experian certified mail return receipt tracking XXXX requesting the contract again and it to be properly verified or deleted immediately and again it was verified as accurate and remained. 

Before I send my final request to both XXXX  and Experian, with a law suit attached I am asking that Experian permanently delete XXXX XXXX  account from my credit file as it is fraudulent and add a promotional suppression to my 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 2020-05-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
While in the process of a refinance, it was brought to my attention of a purported debt owed to Nissan Motor Acceptance Corp. from 2015 which appeared on my credit report stemming from the end of a lease. At no point was I ever advised of this debt or brought to my attention to resolve it. This is because the debt was completely false. 

XXXX XXXX  ( my refinance company ) connected me with XXXX XXXX who called Nissan with me to figure out why it was there. During the call, they refused to remove the debt and insisted I owed it. To say they were rude would be an understatement. 

While on the call being accused of owing something I did not, I located the attached letter proving that my account balance is XXXX. I asked him if I can send it to him and he said fax only and they would try to get it resolved in 10-15 days. Since my closing is within that time period, I asked him to move faster and he refused. Instead he told be to call XXXX XXXX XXXX - which I did - who actually confirmed to me that they are showing that no such debt exists. 

While I am also faxing this proof to Nissan, their attitude and disregard for consumers who pay their bills in full is unacceptable and should not tolerated. I am reporting this as others should not have to deal with credit reporting issues which should otherwise not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting incorrectly a collection in the amount of {$2700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX. Both my wife and I were treated with participating providers with XXXX XXXX XXXX  We met all of our deductibles and maximum out-of-pocket on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX   insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX  as well as the bureaus to remove this however, I have not been successful.

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 2020-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One XXXX : This debt needs to be removed from my credit report as I no longer owe this debt. This has been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XXXX XXXX XXXX XXXX sent a account to Portfolio recovery, and they put it on my credit report without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We purchased a home using a VA loan from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase, we were only required to have hazard insurance. We even have disclosures indicating that no other insurance was required. Seeing that we live near XXXX Texas, we thought it prudent to have flood insurance so we purchased that as well. Around XX/XX/XXXX, we received a letter from XXXX  that the loan as to be transferred to NewRex LLC DBA Shellpoint Mortgage Servicing ( NR ). Shortly after we received our " welcome package '' from NewRes with a letter telling us about the transfer and where we could submit our next payments. There were no other indicators that anything we amiss with our mortgage. Nearly a week after XX/XX/XXXX, we received a letter from NR indicating that they did not have a current copy of our homeowners ' insurance. We immediately complied by sending them proof of our coverage. Shortly after XX/XX/XXXX, we received another letter indicating that they did not have proof of our flood insurance. Mind you this was not required when we purchased the home, nevertheless, we had it anyway so again we submitted proof of coverage immediately. About 2 weeks after XX/XX/XXXX, we received yet another letter indicating that we did not have wind insurance ; and again, it was never required and in this instance, we never purchased it. I received the letter sometime at the beginning of XXXX and at that point, COVID-19 was in full swing. It was increasingly difficult to reach anyone on the phone at NR to question why all of a sudden we were required to have wind insurance when there were no indicators that this was a requirement previously. I called non-stop and email incessantly but was not able to connect with anyone. towards the end of XXXX, after I received our 2nd notice related to the lack of wind insurance, I bit the bullet and purchased it opting to fight with NR about it later. Today, XX/XX/XXXX, I received yet another letter from NR ( dated XX/XX/XXXX ) that since I did not provide proof of coverage that they purchased it for me, back-dated it to XX/XX/XXXX, and billed me more than 3 times the cost of the coverage I had purchased for the property. We sent the proof of coverage about a week before this letter was generated as still they are trying to hold us liable for coverage backdated to a point when we had no idea we were even supposed to have it. They never notified us back in XXXX that this was even a requirement and now are trying to make us pay for their mistake. The prorated amount they are demanding we pay is more than the entire annual payment of our current insurance premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection in the amount of {$830.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX  as well as the bureaus to remove this however, I have not been successful.

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 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The merchant charged the wrong credit card. Instead of charging a card that XXXX had opened for me in XXXX in XXXX the company charged an account with Synchrony Bank that had already been closed. When I tried to file a complaint with XXXX with the XXXX  XXXX  XXXX  XXXX ignored it not just once but twice. The fraud department at Synchrony Bank said that there is nothing they can do and Synchrony keeps adding late charges onto the non existing account instead of transferring the charges to the legitimate account. Now that department will not even speak to me and refers me back to the person who transferred me to the fraud department in the first place who then spends 10 to 15 minutes typing into her computer and then saying there is nothing they can do. So the only recourse I have is to file complaints like this one and to advise people that they would be better off borrowing money from a loan shark than to do business with this so-called " bank. ''

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 2020-05-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$830.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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