vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I got an alert from XXXX XXXX today that my credit score had dropped 109 points because XXXX XXXX had reported that I was 30 days late with a payment and owed {$630.00}. They have been reporting every month that I was on time and now this. I have been paying in this loan since XXXX  and the only time I had a problem was in XXXX. My car was repossed, but I paid to get it back and have been on time since then. They only paid {$170.00} to have my car picked up and I paid them over {$500.00} to get it back, plus they were trying to collect another {$950.00} from me. Now they are claiming that in XXXX of XXXX my payment was returned and it wasn't replaced. That isn't true plus I asked them why they are waiting 27 months to report a problem. I asked them why they had not contacted me about this. I was told " we don't have to ''. I am sick of this company 's harassment and attitude. I only have XXXX payments, out of XXXX, left and they are trying to cause problems for me. I live in Social Security and can't pay more than my payment amount, pkus, they are doing this during the XXXX pandemic. They have to be stopped. I am trying desperately to keep this car, between, taxes, insurance and my payment it takes a lot of my available money.

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 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for FIRST NATIONAL BANK OMAHA credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called FIRST NATIONAL BANK OMAHA XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

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 2020-05-14 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: FL

Complaint narrative:
According to the FCRA, any item that is proven to be inaccurate has to be removed from my credit reports. Please note that XXXX is reporting inaccurately and the account lists many inconsistencies. This item was in dispute with XXXX  on XX/XX/2020 and somehow it returned valid. I immediately sent over a MOV ( method of verification ) and it returned as remain on XX/XX/2020. The report number is XXXX. I havent received any paperwork on this account and the bureau ignored my request for the proper MOV. How were you able to verify so quickly and HOW? I feel like I am being treated unfair and this company is being allowed to destroy my credit reports and character. My reports are a reflection of ME. 
This item needs to be removed from all three of my credit reports as it is in fact reporting inaccurately.

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 2020-05-14 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: FL

Complaint narrative:
According to the FCRA, any item that is proven to be inaccurate has to be removed from my credit reports. Please note that XXXX is reporting inaccurately and the account lists many inconsistencies. This item was in dispute with Experian on XX/XX/2020 and somehow it returned valid. I immediately sent over a MOV ( method of verification ) and it returned as remain on XX/XX/2020. The report number is XXXX. I havent received any paperwork on this account and the bureau ignored my request for the proper MOV. How were you able to verify so quickly and HOW? I feel like I am being treated unfair and this company is being allowed to destroy my credit reports and character. My reports are a reflection of ME. 
This item needs to be removed from all three of my credit reports as it is in fact reporting inaccurately.

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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have notified Experian several times that the address information that is listed is places that I have never lived at before & I am requesting that this incorrect address information be removed from my credit report. I am a victim of identity theft and I have had address and account information added to my credit reports that I have no clue where they came from along with Variations of my name. Please delete.

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 2020-05-14 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: FL

Complaint narrative:
According to the FCRA, any item that is proven to be inaccurate has to be removed from my credit reports. Please note that XXXX  is reporting inaccurately and the account lists many inconsistencies. This item was in dispute with XXXX on XX/XX/2020 and somehow it returned valid. I immediately sent over a MOV ( method of verification ) and it returned as remain on XX/XX/2020. The report number is XXXX. I havent received any paperwork on this account and the bureau ignored my request for the proper MOV. How were you able to verify so quickly and HOW? I feel like I am being treated unfair and this company is being allowed to destroy my credit reports and character. My reports are a reflection of ME. 
This item needs to be removed from all three of my credit reports as it is in fact reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: NY

Complaint narrative:
I do not own a XXXX XXXX  credit card. I am a victim of identity theft.

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 2020-05-14 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: GA

Complaint narrative:
I was a victim of Equifax breach in 2018. My account and personal was used in fraud and has been reported on my credit report as debt owed. In addition, I have not been able to access my credit report with equifax or dispute these fraudulent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was notified by my credit monitoring servicer that my XXXX XXXX XXXX card serviced by Commenity Bank had been closed. I called the bank and I went through all the options until I received a generic message that stated, " If your accoung was close by the bank there is nothing that you can do and the bank has made that decision. However, if you would like to reapply you XXXX. '' I then logged into my online account which is still showing active to check if I had missed a message from the bank in the last 120 days regarding inactivity and there was no such message. Each store has their own policy on credit, and that is usually covered in the agreement you signed when getting the card. I should have been sent a letter stating which credit bureau they consulted if closing due to credit issues XXXX which there are none XXXX or what information led to their decision. They have failed to provide this information and are in violation of federal credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My three mortgage loans with XXXX were bought by NewRez ( Shellpoint Mtg ) in  XX/XX/2020. I unescrowed my insurance with XXXX in XX/XX/XXXX and paid my insurance directly to my insurance carriers. NewRez Autodrafted/ ACH my insurance in the first month XX/XX/2020 including insurance. I called them immediately and informed them they were not to escrow insurance of which they adjusted the XX/XX/2020 payments correctly. However after many calls, several escrow analysis, harsh treatments, hanguos and multiple transfers, I have not been able to get them to acknowledge that the XX/XX/XXXX insurance money they ACH collected wrongfully in XX/XX/2020 needs to be refunded to me on all three loans. They simply say we are good, no refund and we are not paying your insurances. I have spent hours on the phone and spent 10 different people conversations today again, with nonresolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each XXXX are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020XXXX XXXX  results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from XXXX XXXX ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX  XXXX {$11000.00} XXXX XXXX XXXX {$130000.00} XXXX XXXX XXXX {$7500.00} XXXX   XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX  {$3300.00} XXXX  XXXX {$1300.00} XXXX  XXXX {$930.00} XXXX XXXX  XXXX XXXX {$4600.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX XXXX   XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: MN

Complaint narrative:
Payoff was issued to mortgage carrier RoundPoint on XX/XX/2020 in the amount of {$110000.00}. On XX/XX/2020 RoundPoint took out {$880.00} and applied to our escrow account, now totaling {$1200.00}. 

Contacted and was informed the {$880.00} was added to escrow after payoff was received, and in closing the account a check would be issued in 20 days in the amount of {$1200.00}.

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 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My Southwest Rewards credit card by Chase Bank was unilaterally cancelled by Chase without any prior notice, on XXXX. I found out when I was embarrassed by having my card declined at the grocery store. I called the company twice that same day, and was only told that the card was cancelled and would not be restored, yet they refused to explain why. I filed a complaint with the XXXX XXXX XXXX with the same results. All Chase would tell me is that the account was closed " because an affiliate is ending their banking relationship '' with me, apparently referring to something dating back to XXXX. I asked what " affiliate '' they were referring to, and what happened in XXXX. I have no idea what they are talking about, and they refused to provide any further information. I don't understand why they are afraid to do so. There were no late payments, and no payment was due at the time the card was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
dispute twice with this company regarding my credit profile they kept stalling the process the creditors failed to respond to the debt validation and they failed to validate debt with creditors of alleged debt they say i owe. ive disputed in a third attempt for them to validate my debt with creditors i sent that creditors failed to dispute i want all collections and closed accounts to be deleted immediately creditors was given 30 days and they failed to validate

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 2020-05-14 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: PRIMARY RESIDENTIAL MORTGAGE
State: MD

Complaint narrative:
On XX/XX/2020, I spoke to loan XXXX XXXX XXXX at Primary Residential Mortgage regarding the XXXX XXXX XXXX XXXX. The phone conversation was informal, and I was brainstorming my options of purchasing a home and see if I qualify for the Maryland program. The loan officer took that informal conversation and pulled a hard credit inquiry without my authorization. Nowhere in the phone conversation was I notified that my credit will be pulled and a hard inquiry will be performed. Now that inquiry is being reflected on my credit report and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, XXXX results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina ONLY.

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 2020-05-14 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Accounts belong to twin brother 1.XXXX XXXX online account charge off account Not My Account 2.XXXX XXXX XXXX Late Payments, Not My Account 3.XXXX Charge off Not My Account 4.XXXX XXXX XXXX XXXX Not My Account.

I Recently settled with a XXXX XXXX bill that was opened in XX/XX/XXXXand closed in XXXX and was later bought XXXX in XXXX placed in the credit bureaus. XXXX  is Notorious for allowing ghost debt to appear on your credit report after the statutory time limit for old/bad debt to reappear on your account even after disputing. ( Collection agencies WINS ) Due to these circumstances after consistently paying my bills on time, My credit score has not reached XXXX keeping in in the mid 400s XXXX  does not integrity and does not strive to help consumers maintain and keep credit up to date. What debt collectors report XXXX  reports, and we as consumers have to go and dispute and wait for responses while credit sits in a derogatory status. I have repeatedly asked XXXX and the debt collectors to provide me with the last billing statement and dates, they have not and will not provide the information. I am working on bringing my score up, paying what I owe and keeping credit in great status, however XXXX  refuses to keep credit status up to date and current.

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 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
After several background check performed by checkr the most recent reported to XXXX that I have an open warrant in XXXX County FL from XX/XX/2002. Not only is that information inaccurate but it is 18 years old. XXXX has ultimately blocked my ability to drive causing a financial hardship at an already difficult time. I contacted Checkr to dispute this information and was advised their reinvestigation may take up to 30 days. So 30 or more days with no income. They also reported information in XXXX about a ticket which was XXXX processed and cost me 8 weeks of income. I feel like I am being targeted by this company on an effort to make their service appear to be valuable to these companies when in reality they are a scam.

Company response to consumer: Closed with explanation