vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: SUN WEST MORTGAGE COMPANY, INC.
State: UT

Complaint narrative:
Sunwest mortgage is reporting erroneous late notations on my credit file and they must be removed. I did a short sell on my house and sold it almost immediately and the new owners moved in very shortly after. However, Sunwest mortgage is showing 2 lates for XX/XX/20 and XX/XX/20. I was not late on this account, my title company was supposed to wire the money over. This was not my fault, whether or not payment was received on time was not up to me but my title company. I can only assume there was some kind of error on your end or my title companies end but this is not my fault. My house had already been sold and people were residing in that home for those months. Please remove the late notations from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Profit Services Group
State: GA

Complaint narrative:
I was sick with XXXX  XXXX and was having a hard time XXXX so I went to seek help from the XXXX XXXX XXXX emergency room on XX/XX/2020 and XX/XX/2020 approved as a provider with my health insurance. Because the treatment was XXXX related, the bill was to be covered 100 %. I only learned after many calls to the provider and the health insurance carrier that the doctor who treated me in the ER was not on the approved list of providers, although the hospital was. I had no way of knowing that. I tried talking with the provider, XXXX XXXX XXXX XXXX  who continues to refer me back to the collection agency where the debt was sent. This has had an negative affect on my credit and the collection agency wants me to pay them in full in hopes of removing the negative action on my credit report. The provider did receive some funds from the insurance company but they billed me for the additional {$1800.00}. I also talked with them about House Bill 888. The provider sent the bill to the collection agency without given me any notice.

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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Porania, LLC
State: GA

Complaint narrative:
Hello, This account is fraudulent that is reporting on my credit. I have yet to receive and updates from the bureaus within the past 30 days. By law after 30 days these accounts are suppose to be remove of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EquiFax explained that " the authentication questions on the Equifax website are questions designed to be known only by you. These questions may or may not be applicable to you. Its a protective measure that is used to deter any perpetrators from trying to gain access to your Equifax Credit Report. '' This is understandable and acceptable. However, the problem still remains that if I answer " None of the above '' to all 3 questions asked, I am not able to gain access to my free Credit Report online. This is highly inconvenient and unacceptable, as being a Credit Bureau, they have more information about me than anyone else out there. Therefore, they should be able to include at least one question that actually applies to me that I can respond with an actual answer that would allow for me to be able to access my reports. I understand ( and am guessing ) that the questions are probably automatically generated by some algorithm that they are using. However, if that is the problem, then they need to fix it to make sure to include at least one question that would apply to me. 

Although they did mail me one report b ack in XX/XX/2021, I am still unable to access my credit reports online. They are the only bureau that has this issue. 

I need to be able to answer ONE RELATIVE question to access my reports. Please fix your system to provide at least one relative question or change the way access is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MO

Complaint narrative:
Re : Collection of previously negotiated bill from Jefferson Capital SYST Dear Consumer Protection Bureau, XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX Statement shows up on an XXXX credit report as trying to collect a bill - Account number XXXX - about which I originally Contacted XXXX to remove from my reports, as that account was paid in full and this was years ago. 

I would like to suggest that XXXX and Jefferson Capital SYST eliminate the paid XXXX bill and I would appreciate having the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Porania, LLC
State: GA

Complaint narrative:
I suspect a fraudulent account on my credit report. I put in an FTC for it and letter and never received a response for 30 days or more. By law after 30 days you are suppose to remove the accounts after no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CL Holdings LLC
State: TX

Complaint narrative:
i received a letter in the mail from Jefferson Capital Systems LLC, about a charge on a XXXX account for {$660.00}. When the man ask me to verifiy the last for of my SS # he said that is not what is on file, they have the last for of a SS # of # XXXX that is not mine and this bill and account is not mine account # XXXX JCS Reference # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting each inquiry listed on my credit report as a separate line item. ( Please see pages attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquiries are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/2021 made call to our present mortgage company, New Rez Mortgage, in order to refinance our present mortgage to a lower interest rate. 
XXXX XXXX XXXX # XXXX was the represantive. 
XXXX quoted a interest rate of 2.875 % with no discount points. These rates thru paper work were said to be locked until XX/XX/2021. 
Now New Rez wants to keep the same rate but wants to charge a discount points of 1.375 %. This results in a extra closing cost of {$4000.00} I discussed this with XXXX today ( XX/XX/2021 ) per phone call and she stated that it was my fault for not submitting needed paper work within 2 weeks of initial call. 
I find this very hard to believe since I am retired with plenty of time to work on submitting documents if needed. Secondly, the reason I wanted to refinance with my present mortgage company even though the rates were higher was to complete the process as soon as possible. Now it has been 3 months and still no refinance. 
I am wondering if New Rez is doing this on purpose. I do not know if they are are not. However I wonder if others are having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting each inquiry listed on my credit report as a separate line item. ( Please see pages attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquiries are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix 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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TX

Complaint narrative:
I started my refinance process with Lowrates.com back in XXXX of 2020. 
My loan Officer is XXXX XXXX My loan processor is XXXX XXXX Their Sales manager is XXXX XXXX Its now been 6months and they still have not given me a day to close on my loan. This is despite the fact that I have received a loan approval. Throughout the refi process I have responded and given them EVERY piece of documentation WITHIN MINUTES of them requesting it. I've even gone as far as doing " their '' job by getting my own mortgage payoff quote directly from my lender. Because in their own words, " I CAN GET IT MUCH FASTER THEN THEM ''. BTW, they have now asked me to get a payoff quote 4 SEPARATE TIMES, because the payoff " good thru date '' they ask me to ask for expires. They even asked for my tax returns ( for a second time ) after having my loan supposedly in process for 3 months. It's my understanding that tax returns, credit scores and debt ratios are verified at the VERY BEGINNING so that the company and CLIENT don't waste time and/or money. These are all examples of poor customer services, inadequate training, leadership and lack of processes. 

When I ask them for a status or why its taking so long, their response is " its due to covid '' or they forgot something or they didn't realize I needed an appraisal done ( after they had the loan application for 5 mos that is when they realized that mistake ) but the response I get MOST OFTEN FOR THE LAST 2 1/2 mos is " SILENCE ''. My emails, phone calls and text msgs to every person I mentioned above are just ignored. No sorry, no explanation they just simply go unanswered. When I do hear back from them it's to ask me for another " CURRENT '' bank statement, another " CURRENT '' paystub, another " CURRENT '' letter from my XXXX  that I'm still in business, another verification of employment or needing another credit inquiring response letter from me. Once again this is lack of procedures and gross mismanagement. I can't believe that this isn't costing the company money because of the rate lock extension fees XXXX which they are trying to make me pay XXXX. 

I did contact the sales manager XXXX XXXX back in early XXXX to voice my grievances and lack of communication. Unfortunately, after leaving a message on my phone that stated that he was unaware of any problems on my loan but that he would look into it and get back with me I have yet to get another call or message. 

The only reason I'm sticking with this company though is for the simple fact that now with interest rates rising I would be locking in a higher rate. Believe me I would much rather take my business elsewhere if it would not cost me so much with a higher interest rate. 

So I'm asking for help in getting my loan closed and at the same time report this company and its employees for their complete lack of care, understanding, compassion and horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: TX

Complaint narrative:
please remove all incorrect information FCRA VIOLATION wrong name, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXXS XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX AD XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX BANK AND TRUST Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX Account Dispute Reason Selected Edit Payment never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
On or about XX/XX/2021 I attempted to open a new checking account with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Mo XXXX and was mailed a letter of denial stating ( Based on information received by ChexSystems, a consumer reporting agency ) Letter sent have a phone number of XXXX to call and obtain a free copy of my credit report, however when calling said number the auto mated systems continues to hang up and say call later, I called ChexSystems customer service on or about XX/XX/XXXX at XXXX CST and was hung up on several times by their representatives they are refusing to provide me a free copy pursuant to the FCRA and are reporting inaccurate information and not allowing me a opportunity to dispute it!

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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have received multiple inquiries, that I didnt apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Account opened XX/XX/XXXX. 
Fraud occurred late XXXX. 
Company notified ... couldnt make payments for several months. 
Police reports submitted : all late payments reported to credit bureaus and then listed as charge off. ( Despite what they knew! 
Contacted in XX/XX/XXXX again explained situation and asked how to remove from reports. Was given a payment option. Made payment with promise of removal of charge off and late payments from report. 
They did not remove. I did pay. 
Ive been calling and writing them for over a year and still nothing.

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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have received multiple inquiries, that I didnt apply for.

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 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX  Account : # XXXX Date Opened : XX/XX/XXXX Date of last Activity : XX/XX/XXXX Credit Limit : {$640.00} XXXX Account : # XXXX Date Opened : XX/XX/XXXX Date of last Activity : XX/XX/XXXX Credit Limit : {$640.00} How can I have two collections account listed on my credit report by the same creditor but different account numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CHARGE IS TRANSACTIONAL USURY INTEREST ON INTEREST [ EUITY LOAN WITH WELLS FARGO ACCT XXXX XX/XX/XXXX BY AN XXXX XXXX XXXX SEE # XXXX ON XX/XX/XXXX NEEDED MORE INFO?

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 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX i met with a neighborhood dentist XXXX XXXX XXXX to get an estimate on doing some work on my teeth. the estimate was for quite a bit of money as it involved some implant work. XXXX XXXX 's office proceeded to assist me in applying for XXXX for which i was approved. I didnt want to make such a rash decision on such a big investment and wanted to search for additional estimates through different dentists. I never returned XXXX XXXX XXXX 's office until i received my first XXXX statement which indicated XXXX XXXX XXXX had been paid for work he had not done. I went around in circles with both the dentist 's office and XXXX and assumed it had been taken care of. 

Fast forward to XX/XX/XXXX, i received first a XXXX for XXXX and then a few days later a XXXX for that XXXX. 

There are numerous errors within this case that need to be further investigated and rectified. 

XXXX disbursed funds to the dentist whom had not even performed the procedure. 
The dentist accepted funds for work he never performed and the funds should have been returned to XXXX. 
I was never served with paper in XXXX and therefore had no knowledge of what was happening. There was no service of process. 

It is unfair and unjustifiable that i now have a judgment against me and am still missing teeth since i have yet to haev the work on my teeth done. 

Upon learning of the judgment, i reached out to all parties involved including XXXX, XXXX XXXX and Midland Credit Management. I havent heard back from the dentist and have been unable to resolve anything with XXXX. 

I have attached numerous x-rays of my mouth along with my dental exam reflecting all my missing teeth that have yet to be replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with UWM now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXXXXXX ). They continue to say that my banks are rejecting the payments, yet the banks have NO record of UWM even attempting to withdraw the amount. 

I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX myself and my boyfriend applied for an apartment with XXXX XXXX XXXX in XXXX California. We submitted two separate payments of {$35.00} for apllication fees and {$250.00} for a holding deposit. I received an email from XXXX who is the property manager and he stated the {$35.00} is non refundable and the {$250.00} is based on the out one of the crefut check. Meaning if I'm denied I get it back. I was denied and asked that the {$150.00} be refunded to my card. I was told it couldn't be and corporate would send a check. I never got a check and I went through my bank to dispute it. My bank, Chime gave me a provisional credit and then last week told me they completed the dispute and no error was found and that they would now take the {$250.00} back as of XX/XX/XXXX. I contacted and spoke to a floor manager twice to have this dispute reopened. I was given the pdf they used and it's a rebuttal that's not on letter head and says they charge $ XXXX for an app fee and I agreed to it and knew it was non refundable. I submitted Chime with all the emails to prove it was a holding fee. And on the bottom of their pdf it states how the charges were to be seen on my statement. It showed two {$35.00} app fees and one {$250.00} holding fee. I was told my dispute would be open and the money would not be debited. However today it was now I'm negative and they will not reopen and they are standing by the merchant stating {$250.00} is an application fee although I was only charged once and there were two of us.

Company response to consumer: Closed with explanation