vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I disputed inaccurate information about a 30 late payment in XX/XX/2020 with Ally Financial ( Account number # XXXX ) on my XXXX  credit report ( Report Number XXXX hard copy ). The results of XXXX  investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. 

This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For XXXX  to change what was initially being reported as accurate on my credit report ( 30 day late payment in XX/XX/2020 ) means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this 30 day late payment. 

How could XXXX  report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with Ally Financial and on their online account system it shows that 2 payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). 

As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like Ally Financial who report inaccurate information and are not held accountable for it. 

They can damage my credit profile with no repercussions. Its not fair at all.

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 2021-06-21 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: WI

Complaint narrative:
For several months, I've tried to fix errors on my credit report with Experian. They are showing inaccurate information regarding 4 different accounts. They are showing a balance on XXXX XXXX XXXX ( Acct # XXXX opened XX/XX/XXXX ) that has been paid in full since XX/XX/XXXX. They are showing late payments and closed with note of included in bankruptcy instead of paid on another XXXX XXXX XXXX account ( # XXXX opened XX/XX/XXXX ) that is covered by the Cares Act, was paid in full and not included in bankruptcy- therefore this account should show current, not late and paid in full. Regarding XXXX XXXX XXXX Account, they show late payments and derogatory status verses XXXX  out and closed like the other credit bureaus which is a violation of my rights under the FCRA for inaccurate reporting. Furthermore, the account of XXXX ( acct # XXXX opened XX/XX/XXXX ) shows late but the debt was sold years ago and was a write off for this company, which means that the account should be deleted as I'm not liable or responsible per the FCRA. 
Experian 's constant refusal to fix their errors has caused me stress and thousands of dollars in higher interest when credit is needed. They are in violation and this needs to be rectified.

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 2021-06-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
On XX/XX/XXXX received an unsolicited and unauthorized email from Resurgent Capital Services claiming I owed a debt from XXXX. I replied to that email asking for a cease and desist and fraud handling. I also asked for no further calls, emails or letters. This debt is also past the statue of limitations and whatever the original creditor was, as they are now out of business, sold this alleged debt. 
On XX/XX/XXXX I received a letter from the same company violating the cease and desist that I gave in writing. When I called to ask why XXXX and XXXX could not help or tell me why this letter was sent and could not give me information to contact their legal counsel, consumer advocates or any other department that could review this. I was told if I wanted to know then I would have to remove the cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This has been an ongoing problem. Prior to my current lender, NewRez, LLC ( c/o Shellpoint Mortgage Services ) obtaining the loan I did a refi on my mortgage. Then before making a first payment XXXX XXXX sold the loan to NewRez. 
Since the refi was in XXXX both former lenders collected and paid the XX/XX/XXXX property tax installment. 
In XXXX I discovered that the County did not refund the duplicate payment but rather attributed it as early payment to the XX/XX/XXXX installment. 
In the mean time, NewRez has been collecting {$520.00} in escrow monthly to cover mainly taxes, as well as roughly {$130.00} homeowners insurance monthly. 
The escrow account balance continues to grow as they never paid the XX/XX/XXXX taxes ( since it was already paid by duplicate XXXX installment ). However, they have not returned the money but rather are keeping it indefinitely in the escrow account. 
The current balance as of XX/XX/XXXX statement is {$4900.00}. 
I have reached out over the phone and the rep told me to go to their website and request an escrow analysis. I have done so three times without successful resolution. 
I keep getting similar responses, such as " we are waiting for a refund from the county '' ( False, the property taxes we NOT paid by NewRez. Not refund expected. ) or " we can not do an escrow analysis on the account at this time. '' or " It will be done by end the XXXX ''. Then I reached out again at the end of XXXX and was told it would be done by the end of XXXX. 
The bottom line, I am being strung along and they are wrongfully retaining funds I am entitled to receive since XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
Due to COVID my husband lost his job, my account charged off I received several calls and emails. On XXXX XXXX I received and email stating my account was past due charged off not receiving interest or fees. That I could call and settle my account or even go on line to settle. I tried to log on line but there is not anywhere to complete a settlement for my account. I called on XXXX XXXX spoke to a representative explained my situation advised I could settle using my stimulus check and {$300.00} of my paycheck to give 50 % which is all I had she refused stated they could only accept 60 % {$2000.00} I explained I do not have that the 50 % was everything I had to resolve the debt not to argue anymore I advised I would resolve when she would be able to accept what I had. The very next day XX/XX/2021 I received the exact same email along with calls again. I returned the call talked to XXXX if XXXX and explained I just spoke to someone the day before explained again the situation the rep refused to accept my offer stated all could do was 60 % I asked her to not email me anymore and not to call me I also asked to speak to a supervisor to help me she left me on hold came back said there was not a supervisor available I advised her I would wait for one she put me on hold several minutes then I spoke to XXXX Id XXXX as a supervisor explaining again my frustration and that I am just trying to resolve this with what I have available {$1700.00} he refused said best could do was {$2000.00} I asked to speak to his manager he advised me that his managers do not take calls so he is all I have. I asked for contact I formation to the corporate office he gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX on XXXX XXXX I called corporate office talked to a representative he stated he would transfer me to someone that would help me resolve my situation he transferred me to collections to XXXX XXXX Id XXXX who argued with me about the debt said I would be calling him back I explained to not call me anymore that he is not helping me resolve my account. The very next day I received another call from them again. I called them back again explained to them I have a do not call on my account and used them they are not willing to accept everything thing I have to offer to resolve this there is nothing more I can do I advised the representative again they need to stop calling my phone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Management Control, Inc.
State: MN

Complaint narrative:
Today, XX/XX/2021, I received a letter in the mail from Credit Management Control the letter stated a letter origination date of XX/XX/2021, my name and address, the original company owed, and the amount but no other pertinent information regarding this debt. Then the letter says exactly Dear XXXX XXXX, We have received authorization from our client to refer the above referenced account ( s ) to an attorney for legal action. 

If you wish to avoid the action and the possibility of added expenses, please contact our office to set up an arrangement to pay or pay the above balance in full within 10 days. 

Please be advised any signed check received by Credit Management Control May be processed as an electronic payment.

Sincerely, Credit Management Control , Inc . 


Nowhere in the letter does it inform me I have the right to dispute this debt, nor does it actually have an attorney retained for the collection of this debt. It is merely a threat to take legal action against me. Also, I live in Minnesota and it only says at the bottom that they are licensed by the division of banking in the Wisconsin department of financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a fraudulent account open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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:
I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a fraudulent account open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: MI

Complaint narrative:
I disputed inaccurate information about a 30 late payment in XX/XX/2020 with XXXX XXXXl ( Account number # XXXX ) on my Transunion credit report ( Report Number XXXX hard copy ). The results of Transunions investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For Transunion to change what was initially being reported as accurate on my credit report ( 30 day late payment in XX/XX/2020 XXXX means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this 30 day late payment. How could Transunion report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with XXXX XXXX and on their online account system it shows that 2 payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like XXXX XXXX who report inaccurate information and are not held accountable for it. They can damage my credit profile with no repercussions. Its not fair at all.

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 2021-06-21 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: NC

Complaint narrative:
I filed a dispute against an unauthorized transaction : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$59.00} When the scammer found out the I filed a suit against them that the transaction was not authorized they sent me a shoe I did not order that doesnt fit of course and now I am out of {$59.00} .The supervisor I spoke to at XXXX was a XXXX. He yelled and was rude and threatened me with overdrafts and fees because he said, We are debiting that money and do not care what you have in your account. 


How are we as customers suppose to feel protected if Chime allows scammers to take our money? 

I just want to feel protected and not pay this scammer. I feel like I am being extorted, forced to pay for something I did XXXX XXXX XXXX XXXX go XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX transferred my mortgage to Specialized Loan Servicing on XX/XX/21. This complaint is addressed to Specialized Loan Servicing. I received a letter from them today stating that my home mortgage was delinquent. Then they offered me programs such as loan modification and repayment plans. My account with SLS is NOT delinquent. I have been with SLS since XX/XX/21 and I haven't missed a payment. When I called SLS today, I was told that the letter was sent to all customers to see if they were interested in any repayment options. So they sent letters to all customers stating that the accounts were currently delinquent? It is one thing if SLS wants to offer customers a repayment option. But it is deceitful and dishonest to tell customers that their mortgages are delinquent to get them to sign up for a new plan. SLS also claimed that I missed a mortgage payment on my credit report, which is not true. Although I called them and requested that they correct their inaccurate claim on my credit report, it still has not been corrected.

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 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by PORTFOLIO RECOVERY ASSOCIATES, LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

First of all, this account that was originally from XXXX XXXX had already been fixed. I have a copy of the settlement agreement in which they agreed to remove the two accounts that they were reporting. 

I am requesting just what is fair. I want you to remove this account from all credit reports. 

Account information : PORTFOLIO RECOVERY ASSOCIATES, LLC. 
Account Number : XXXX. 
Balance {$2600.00}. 
Status : Collection account. 
Original Creditor : XXXX XXXX XXXX  XXXX XXXX. 

The reporting of this account is illegal, since I already signed a legal settlement with the original creditor for the deletion of the item from all credit bureaus. Please remove the account as soon as possible as I am in the middle of a home loan and this item is stopping me from accomplishing this goal. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/21 I sent up a dispute letter which pointed out inaccurate and nonfactual information on my credit report. Till this day I have no heard, been notified nor contacted about the aforementioned disputes. Over 30 days later, I can not help but feel as if I am being ignored and my fair credit reporting rights are not being exercised. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my report promptly. I demand immediate removal of all listed accounts or I will file for litigation for the mental and emotion stress this situation is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
To follow my previous complaint ( ID XXXX ), 1. I ask that CFPB not let JPMorgan Chase investigate itself. It has to be third party or independent agency to check on Chase. They replied with " no error '' on their part to simply excuse themselves and to escape their responsibility. 
2. The following secured message I received from Chase on XX/XX/2021 : " Please note that this return of funds may take time to achieve, we can not advise how long as each bank has their own procedures to follow. '' However, Chase bank has closed my case recently without returning any stolen funds as they indicated in the message. This is a joke to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
On XX/XX/XXXX received an unsolicited and unauthorized email from XXXX XXXX XXXX claiming I owed a debt from XXXX. I replied to that email asking for a cease and desist and fraud handling. I also asked for no further calls, emails or letters. This debt is also past the statue of limitations and whatever the original creditor was, as they are now out of business, sold this alleged debt. 
On XX/XX/XXXX I received a letter from the same company violating the cease and desist that I gave in writing. When I called to ask why XXXX and XXXX could not help or tell me why this letter was sent and could not give me information to contact their legal counsel, consumer advocates or any other department that could review this. I was told if I wanted to know then I would have to remove the cease and desist.

Company response to consumer: Closed with explanation