vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have had an FHA mortgage with XXXX since XX/XX/XXXX and was forced to put my mortgage in forbearance in XXXX or XX/XX/XXXX due to hardship and XXXX. I am XXXX and am required to XXXX  but have just become XXXX  for XXXX so this makes this all even more difficult to handle. 
I just found out that my TransUnion credit score dropped AGAIN, this time by 16 points because XXXX XXXX XXXX XXXX keeps adding to my balance despite everything I have read to the contrary, including their own statements that as long as you were current when going on forbearance, your credit will not be negatively affected by doing so. BUT, that is not correct and I have had my mortgage balance increase considerably since I started and because of that, my credit has been negatively affected several times over the last year. An increased mortgage balance is a red flag to credit bureaus as is the mortgage being reported as in forbearance or deferment which in turn eliminates your ability to get credit or for a potential creditor to loan money in this time of crisis for a customer or borrower. I can show through credit reports over the last year of the increase to my balance and the decrease in my credit score which is in violation of the CARES AcXXXX. I have tried to resolve this with XXXX in the past and today while attempting to log into my mortgage online through XXXX XXXX 's website, found out that I am LOCKED OUT of my mortgage. I will attach screenshots to verify.

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: PA

Complaint narrative:
I have 2 Late payments shown on my account from 2018 XXXX and XXXX I had my Credit card attached to a Gym membership and they charged me when i was in a situtation where i couldn't do anything about it. I've tried to dispute it through capital one. it shows late payments from 30 then 60 days during this time i was XXXX XXXX ( in basic training ) and unable to view my report. Please help me remove it. I always pay on time. this is the only time it shows I haven't paid on time. this is really hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spoke with BBVA compass rep. XX/XX/2020 about being in the hospital and regarding not being able to make payments at that time ... .and how the car note payment booklet they werent sending like they should have! I have been calling BBVA compass trying to get the charge off removed and account opened ... Sense XXXX No one has been able to help me ( they only quote its been charged off ) XXXX received no letters by mail stating any of the payment charge offs or letters requesting past due amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter stating the inaccurate account on my credit report. I have not received a response in 30-45 days I feel like I am being taking advantage of and been ignored of my dispute! section 611a is plainly stated that a failure to investigation this items with 30 days is a reason to immediately remove this item from my credit report. I demand that this be removed immediately or I will file for litigation due to the stress such party has caused.

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 2021-01-05 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: LA

Complaint narrative:
I've sent disputes last XXXX2020 regarding to those inaccurate and unknow accounts on my credit report. but until today I haven't received any response. I'm a victim of XXXX  Data breach. I want all those account will REMOVE on my credit report ASAP or I will file a litigation.

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 2021-01-05 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: LA

Complaint narrative:
I've sent disputes last XXXX2020 regarding to those inaccurate and unknow accounts on my credit report. but until today I haven't received any response. I'm a victim of XXXX  Data breach. I want all those account will REMOVE on my credit report ASAP or I will file a litigation.

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Old Navy debited my bank account twice for one payment ... i have no idea how the first transaction happened as it was several days before i actually made the payment ... fortunately the money was available! I called and they do not offer a credit immediately but will send a check within 10 days! It is not my fault they took my money twice ... .i want an immediate credit to my bank account. Customer service rep said they do not have the ability to credit a bank account for their mistake ... only a check or store credit. I think a huge company such as old navy should have that ability.

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 2021-01-05 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: CITIBANK, N.A.
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I entered an agreement to pay XXXX monthly towards my debt until XX/XX/XXXX.

On XX/XX/XXXX the agreement expired and would need to be re-negotiated. Because of personal heath issues ( my husband had a work injury / my son had XXXX ), I didn't not remember to contact the collection company NOR did they try and contact me by phone or mail until XX/XX/2021 when they reported to the credit bureaus. 
When I learned of this issue I immediately called the collection to remedy the situation - work out a payment plan and have account removed from my credit. The only way they would remove it is if I submitted payment. My debt is XXXX and will address the payment accordingly. 
my issue is that Astro Recovery didn't try to contact me prior to sending my account to credit reporting agency and given my husband illness / my sons illness and my work, it was not in mind. Had this company done there job, I would have reached a solution prior to reporting the account to credit bureaus. 
Please note that Ad Astro Recovery has a history of not contacting the affected at least in my case - i was the one trying to reach them. Since i didnt want this to be submitted to credit bureaus.

this action caused by credit score to drop by 75 points and can potentially affect my future employment.

i would like this company to remove the account from the credit reporting in lieu of a reasonable payment agreement. Ad Astro Rec would only agree to remove from credit of payment in full for an agreed amount. best settlement given was XXXX and 3mths to pay. I consider this to be super unreasonable considering the current personal situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: LA

Complaint narrative:
I am distressed, I've sent documents for those inaccurate and incomplete information on my credit report dated XX/XX/XXXX2020 but until today I haven't received any response. I demand that all those account will be DELETE on my credit report. Or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC
State: CT

Complaint narrative:
Leased a XXXX XXXX from Volvo Financial in XXXX. Set up autopay to pay the lease monthly. Without any alerts, Volvo 's autopay service failed. Received no emails or physical mail about delinquent payments, but Volvo reported a late payment to the credit bureaus on XX/XX/XXXX. Called to rectify, set up autopay. Called XX/XX/XXXX to ask for removal of credit demerit. Was told to call back today ( XX/XX/XXXX ) for credit search. The customer service representative told me that it was denied. Additionally, I logged into my account today and despite the autopay setup, says my account is 7 days delinquent. Again, I was not notified even when calling customer service. Clearly not interested in correct reporting or setting up autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Citi Account Package with a {$400.00} bonus today. I received the attached email, including application ID # XXXX. When I called to confirm what additional information was needed for this application, my call was transferred to multiple representatives. Ultimately, I was told that there was no application on file and I had no checking or savings account with Citi. Needless to say, this is very worrisome. First, Citi has lost my personal information by misplacing this application. Second, now I will not be eligible for the {$400.00} bonus associated with my application since the promotion ended today, not that I would want to do business with a bank that loses personal identity information. It is unacceptable for Citi to act in this manner and the CFPB should investigate.

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 2021-01-05 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: IL

Complaint narrative:
I contacted XXXX XXXX XXXX, a debt reported by XXXX XXXX XXXX. I spoke with XXXX, the assistant manager, and she told me they can't find anything with my information in their records for XXXX XXXX for any evictions. She said the corporate office reached out to her about my time there and they couldn't locate any information about an eviction.

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 2021-01-05 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted XXXX XXXX  and the balance is {$0.00}. Not understanding why this debt is being reported. XXXX XXXX Account # : XXXX for Address of service : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, GA 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 explanation
Consumer complaint received 2021-01-05 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: IL

Complaint narrative:
I contacted XXXX XXXX  and the balance is {$0.00}. Not understanding why this debt is being reported. XXXX XXXX Account # : XXXX for Address of service : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a response from XXXX  ( XX/XX/XXXX ) where they say they updated the account information for XXXX XXXX XXXX  but ( XX/XX/XXXX ) XXXX  had already told me in writing they no " longer services the above-referenced returned account ''. 15 days before XXXX  stated they updated their reporting. Then again on XX/XX/XXXX XXXX said in a letter " they have been unable to locate an account ... '' How could XXXX have received updated information from a company that no longer had the account? This has to be a violation and while I'm seriously considering sending this to a consumer attorney I want this removed! This is hindering my ability to obtain credit. And Equifax is no better! When I asked for their method of verification the response was to contact the company providing the information. And the crazy thing is this account has a {$0.00} balance so what are they updating?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted XXXX XXXX XXXX, a debt reported by XXXX XXXX XXXX. I spoke with XXXX, the assistant manager, and she told me they can't find anything with my information in their records for XXXX XXXX for any evictions. She said the corporate office reached out to her about my time there and they couldn't locate any information about an eviction.

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 2021-01-05 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: IL

Complaint narrative:
I contacted XXXX XXXX XXXX, a debt reported by XXXX XXXX XXXX. I spoke with XXXX, the assistant manager, and she told me they can't find anything with my information in their records for XXXX XXXX for any evictions. She said the corporate office reached out to her about my time there and they couldn't locate any information about an eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Was trying to purchase tickets from someone on internet for a sporting event, they asked that money was to be sent through XXXX, my bank which is suntrust has the XX/XX/XXXX attached to my account without going through the app at all. I sent {$300.00} via suntrust app and never recieved tickets and it appears suntrust is not going to refund my money or protect me on this at all even though it was through the suntrust app. 3

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 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Freedom Mortgage is my mortgage company effective XX/XX/XXXX. XX/XX/XXXX I was offered a 6 month forbearance due to loss of employment associated with the Co-VID 19 pandemic. During the 6 month forbearance I missed one mortgage payment. The month of XXXX I spoke with a representative to learn my options with paying back the missed payment ; 1 ) Pay back all missing payments in full 2 ) request a Partial Pay Claim Review. I opted to go with the Partial Pay Claim Review. I was told a representative from that department would be in contact. XX/XX/XXXX I made another call to Freedom and reported my XXXX request of a Partial Pay Claim Review and wanted an update but they had nothing on file. I made another request. XX/XX/XXXX I received a document in the mail from Freedom Mortgage that I did not understand and called Freedom to ask about the document and obtain an update on my Partial Pay Claim Review and again nothing was in the system. The representative reported they would submit my request and my first mortgage payment would be due in XXXX. The rep stated I needed to miss two payments to qualify for the Partial Pay Claim Review. Today I called Freedom Mortgage about my Partial Pay Claim Review request and they reported there was no request in the system for a Partial Pay Claim Review but my forbearance had ended and I was to resume paying my mortgage. I was transferred " Single Point of Contact '' department and spent 1 hour 32 minutes on a phone with a representative explaining the above. The representative was speaking with a supervisor during our call who was providing feedback. The supervisor stated in order for me to receive a Partial Pay Claim Review I needed to go back on the forbearance, wait two weeks for it to process and then call back stop my forbearance, request a Partial Pay Claim Review and see if I will be approve. I was so frustrated I began to cry! I told the rep I have already done this 3 times - XXXX, XXXX and XXXX. Now you are stating I have to do again and what assurance do I have my request will be submitted. I do not know what else to do?? I need help with this situation and I am hoping I can receive assistance

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