vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX Account is a corporate business has been put on my personal credit report with XXXX, XXXX  and XXXX  without giving any notice.A/C # XXXX XXXX XXXX & XXXX # XXXX Fifth Third Bank Credit Card - I have my credit card stolen from my vehicle on XXXX XX/XX/XXXX. I did make a police report ( copy attached ) went to the Fifth Third Bank branch and made payment on this card through the bank officer and teller from my fifth third savings account ( account statement attached ) to pay my card on XX/XX/XXXX just to be double sure that all my accoutns are current. 
I Had some fraud charges on my Fifth Third Bank credit card account. 
I Informed this to the Fifth Third bill pay department over phone where all my credit cards, check book, with XXXX XXXX, Drivers License, wallet were stolen.This person was writing checks out of the stolen check book and withdrawing funds from my Business checking account. 
All Business accounts were frozen and Fifth Third Bank Bill Pay department put a freeze on all auto pay to my credit cards coming out of XXXX XXXX Checking account and forgot to Unfreeze it .They did agree that it was their fault and will be fixed ( the 30 days late payment, it will be removed from my credit report but nothing happened ) .I have audio Recording of Phone Conversation. 
Explained all this to the Branch officer via email ( see email copy ) .No action was taken resulting in my credit score being compromised and no other company was ready to lend me money and this stated a cascading effect. 

XXXX XXXX Credit card had been in deferred payments due to COVID-19 Virus epidemic and Tornado Disaster in XXXX XXXX County on XXXX XX/XX/XXXX. 
I spoke to them over phone on XXXX XX/XX/XXXX, XX/XX/XXXX and yesterday and they did mention that they will correct the credit reporting on all three credit bureaus on my credit report and remove the 30 days late to current. ( A {$200.00} payment had also been made from bank transfer as will will find enclosed in the attachments. 
S

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: U.S. BANCORP
State: TN

Complaint narrative:
XXXX XXXX Account is a corporate business has been put on my personal credit report with XXXX, XXXX  and XXXX  without giving any notice.A/C # XXXX XXXX XXXX & XXXX # XXXX XXXX  XXXX XXXX  Credit Card - I have my credit card stolen from my vehicle on XXXX XX/XX/XXXX. I did make a police report ( copy attached ) went to the XXXX XXXX Bank branch and made payment on this card through the bank officer and teller from my XXXX XXXX savings account ( account statement attached ) to pay my card on XX/XX/XXXX just to be double sure that all my accoutns are current. 
I Had some fraud charges on my XXXX XXXX XXXX  credit card account. 
I Informed this to the XXXX XXXX bill pay department over phone where all my credit cards, check book, with US Bank, Drivers License, wallet were stolen.This person was writing checks out of the stolen check book and withdrawing funds from my Business checking account. 
All Business accounts were frozen and XXXX XXXX Bank Bill Pay department put a freeze on all auto pay to my credit cards coming out of US Bank Checking account and forgot to Unfreeze it .They did agree that it was their fault and will be fixed ( the 30 days late payment, it will be removed from my credit report but nothing happened ) .I have audio Recording of Phone Conversation.

Explained all this to the Branch officer via email ( see email copy ) .No action was taken resulting in my credit score being compromised and no other company was ready to lend me money and this stated a cascading effect.

US BANK Credit card had been in deferred payments due to COVID-19 Virus  epidemic and Tornado Disaster in XXXX XXXX County on XXXX XX/XX/XXXX. 
I spoke to them over phone on XXXX XX/XX/XXXX, XX/XX/XXXX and yesterday and they did mention that they will correct the credit reporting on all three credit bureaus on my credit report and remove the 30 days late to current. ( A {$200.00} payment had also been made from bank transfer as will will find enclosed in the attachments.

S

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 2020-04-30 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: GRANITE STATE MANAGEMENT & RESOURCES
State: TN

Complaint narrative:
GSMR is a student Loan on Forbearance and they have reported to the three credit bureaus as 90 days late. They did tell me over phone that the 90 days late will be removed since it has been on forbearance since 2018 but nothing was done till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: LEXISNEXIS
State: GA

Complaint narrative:
We previously had Auto insurance with XXXX and left them due to their discriminatory practices with taking advantage of XXXX XXXX Americans and U. S. Veterans. We are now being retaliated against regarding their falsified claims for Home Insurance claims they have been reporting to Lexis Nexis and impacting us negatively when attempting to shop around for new Home Owners Insurance. XXXX never paid a claim out for the Home Insurance Claims which we did not file as a claim. We only called them during a major Torando or Wind occurence in GA to inquire and just only view our home. However, we did not file 4 Claims and one is also a duplicate on the same day! Also, when I spoke to Lexis Nexis on XX/XX/XXXX, I was informed that these were not Valid Claims because there were No Payouts on them. Therefore, the following Home Claims should not be reported on our XXXX XXXX Report to further Oppress and Suppress XXXX XXXX-Americans from obtaining lower and competitive Home Owners Insurance : 1. XXXX - Home Claim XXXX Reported on XXXX XXXX, XXXX 2. XXXX - Home Claim XXXX Reported on XXXX XXXX, XXXX 3. XXXX - Home Claim XXXX Reported on XX/XX/XXXX 4. XXXX - DUPLICATE Home Claim XXXX Reported on XX/XX/XXXX This is a direct form of Discriminatory Practices which XXXX has exemplified against us by utilizing Lexis Nexis to report negative and False claims to retailiate and oppress us from obtaining Home Owners Insurance! They need to be reported to SEC and FTC for their illegal practices as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TX

Complaint narrative:
XXXXDispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX  XXXX XXXXXXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute US DEPT OF ED/XXXXUnder Dispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 51 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 12 accounts, 7 potentially negative View All Inquiries show tooltip button

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 2020-04-30 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: TX

Complaint narrative:
XXXXDispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute US DEPT OF ED/XXXXUnder Dispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 51 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 12 accounts, 7 potentially negative View All Inquiries show tooltip button

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 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, at around XXXX XXXX, I was going through my bank of America app on  my phone and noticed my checking balance seemed to be missing funds. While I went through my transactions I noticed 2 transactions one on XX/XX/XXXX at XXXX XXXX  for {$1000.00} and another one on XX/XX/XXXX at around XXXX XXXX  for {$1000.00}. Both transactions were via XXXX XXXX  saying I sent somebody that money. I tried to contact XXXX XXXX, but they had no number, and, I could not find a XXXX XXXX email. I quickly notified my bank ( Bank of America ) and put the dispute in. Usually when I have transactions like this my bank n notifies me and makes me verify these transactions. However, I was never asked about these transactions until I saw them. They told this can take up to 90 days. I only have about 1,000 dollars remaining and I have bills and rent that I need to pay. I just want my money back which is rightfully owed to me.

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 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I lost my wallet in XXXX of 2020, my account with chase was compromised due to fraud, I contacted Chase they issued me a new debit card and account number which didn't work, then told me i had to bank elsewhere. I recently received a email that funds were being withdrawn from my account and had no idea why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: LA

Complaint narrative:
XX/XX/XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  {$720.00} XX/XX/XXXX XXXX  XXXX  {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX is a student Loan on Forbearance and they have reported to the three credit  bureaus as 90 days late. They did tell me over phone that the 90 days late will be removed since it has been on forbearance since 2018 but nothing was done till date.

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 2020-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I paid my car payment with GMC Financial for XX/XX/XXXX payment on XX/XX/XXXX. It was the 30th day, but it wasn't past 30 days. I was reported 30 days past due. I also called and made payment arrangements for the XXXX payment and stated that it will be past 30 days and I would pay on XX/XX/XXXX. I did pay today. It is very stressful dealing with anxiety from COVID 19, not being able to receive income from second job to help pay bills and worry about credit reporting 30 days late when my XXXX payment was entered on XX/XX/XXXX, that's the 30th day. How could I be reported 30 days past due. They sent me a letter stating that nothing was reported late, but I am looking at my XXXX credit report online with XXXX and it is showing past due. Also, I thought according to the Care Act,  if I made arrangements with my credit, they could not report me late. GM Financial reported me late for XXXX also. I was not late in XXXX and they told me that I would not be reported late in XXXX. GM Financial have been reporting incorrect information or no information at all since I have had this account. I am also reported late in XXXX and XXXX but I was on an extended payment plan and was told when this became in effect that I would not be shown 30 days late. I have been written letters that have not aligned with my credit report status. Something has to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
Americhome mortgage was paid on time over phone ( see letter where they gave me a payment confirmation No as receipt of payment with date time and name of the officer mentioned in the letter ) and two checks were sent to them in which were left uncashed. 
They put a 30 days late in XX/XX/2019 on my personal redit report with all three credit reporting agencies XXXX, XXXX  AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MI

Complaint narrative:
My mortgage began the latter part of XX/XX/XXXX, with first payment due to XXXX   XXXX XXXX ( XXXX ) on XX/XX/XXXX. This payment was made before XX/XX/XXXX ( see attached document ). Mortgage was then soon sold to Home Point Financial ( HPF ). HPF said that they didn't receive the XX/XX/XXXX. payment from XXXX, and has had me showing as late since that time. XXXX   sent me documentation via email that I had, indeed, paid the XX/XX/XXXX. payment ( again, ( see attached document ), and verified that that payment was sent to HPF. I explained this to HPF, who said that they don't see it and that there's a 30 day grace period for such matters. I was told that their online payment system would not accept any current month 's payments, only the " past due '' month 's payments. So XX/XX/XXXX rolls around, I make a payment just mentioned to HPF ( see attached document ). Instead of a payment for XX/XX/XXXX, it shows as being for XX/XX/XXXX. XX/XX/XXXX comes, and I make another payment to HPF ( see attached document ) and again address the issue. Again, same story from them, my payment only applied for XX/XX/XXXX. I explained that I have proof of payment, and was told that that doesn't matter, they don't see the payment in their system. In late XX/XX/XXXX I get a letter from HPF that I'm past due and they tacked on a {$42.00} late fee. On XX/XX/XXXX I go in to my online HPF account to make a XX/XX/XXXX payment and there's no link to make such a payment and it says that I am 29 days past due and late charges ( see attached document, " HPF Page 1 '' jpg ). I don't know what to do, outside of getting an attorney. I've discussed this matter  with HPF about 4 times and sent an email today regarding this issue. Has my credit and character been negatively affected? Is HPF anti-veteran, or do they just choose to financially abuse veterans in this manner? NOTE : Mortgage company address may be incorrect as they have 5 addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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:
On XX/XX/2019 I paid off the remainder of my debt and received a letter from the company stating they would accurately report and remove the debt off of my credit report. I have contacted experian numerous times and also the debt collector. No one is taking it off my report even though I paid and got a letter stating promise to do 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 2020-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I have an FHA, federal government mortgage, which Carrington is the administrator on. Under the CARES ACT Carrington is delaying my mortgage for three months. At the end of three months Carrington states I will need to re apply. Due to my client base not paying me now I am having trouble paying the mortgage. With a government backed mortgage I am requesting that the missed payments, up to 12, be applied to the back of the loan extending the loan for an additional 12 months. This would include all escrow amounts including pmi, insurance, and property taxes. 
Carrington has refused to follow the Cares Act for government backed mortgages. I received an invoice today listing last months payment as over due and that I need to pay two mortgage payments by XX/XX/XXXX. This is even with their letter stating my mortgage was under the forbearance provisions of the CARES ACT. 
Only with a conventional loan, not a government backed mortgage can Carrington force me to pay a lump sum at the end of the forbearance period. Carrington is in violation of the CARES ACT for government backed mortgages. 
Please assist. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA CHARGE OFF ACCOUNT DID NOT REMOVE FROM ALL 3 CREDIT BUREAUS CHARGE OFF STILL REPORTS VIOLATING MY CONSUMER RIGHTS ERRONEOUS REPORTING BY ALL 3 CREDIT BUREAUS.

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 2020-05-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX was paid on time over phone ( see letter where they gave me a payment confirmation No as receipt of payment with date time and name of the officer mentioned in the letter ) and two checks were sent to them in which were left uncashed. 
They put a 30 days late in XX/XX/2019 on my personal redit report with all three credit reporting agencies EQUIFAX, XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX, i sent a merchant ( XXXX XXXX ) {$65.00} on cash app for goods that he would deliver to my place. after a few messages, he says he would refund because i asked for the refund. he complied and said he would send it. waited for 2-3 days until he blocks me and never refunded my money. ive contacted my bank and Cash App about the situation but they didnt do anything to solve the issue. they also told me to contact the person to refund me but, again, they blocked me so i can not contact them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am constantly receiving information regarding foreclosure and advising me that I am late on my loan. This week alone I received 4 packets regarding loan modification and I did not request anything. I've asked citizens to inquire and stop this especially during this COVID19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: TX

Complaint narrative:
show tooltip button XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute. 
sent ftc violations attached ftc laws these companies violated

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 2020-05-01 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: TX

Complaint narrative:
show tooltip button XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute. 
sent ftc violations attached ftc laws these companies violated

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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX trident asset manageme {$720.00} XX/XX/XXXX XXXX   XXXX {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation