vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was charged a late fee for a annual renewal of Comenity XXXX XXXX card- but I called and cancelled the subscription way before hand. They said they will take care of the 2 late fees and they did but my credit score went down over 100 points. How is this even possible?? On the report it stated that my account was delinquent- it wasnt my fault therefore I should not be penalized! My score was over 730 and now its down to XXXX! 
I always pay everything in full and I am Always on time with all my payments! 
Is there anyway to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/2020, someone opened a Checking and a Saving Account in Bank Of America. Using my name, address, and SSN. 
I created a police report, notified the local branch, and called Bank of America. 
They asked for more information and I have provided the information since XX/XX/2020. 
They have not communicated with me since then. 

Please note, I do not have any account associated with Bank of America, no credit cards, no loans, no saving accounts, and no checking accounts. 

I have attached the following : Bank Account Statement Bank Letter indicating the Accounts were closed Fax receipt of additional information they needed Police 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 non-monetary relief
Consumer complaint received 2020-02-13 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: LA

Complaint narrative:
Ive tried on multiple dates and time from XX/XX/XXXX through XX/XX/XXXX to fix these fraudulent issues regarding this account. Ive disputed and exercised my rights with the use of legitimate sources and instruments to obtain titles from this car loan that was not legitimate and fraudulent in many ways. They are reporting on my credit reports til this day. I have police reports and also have filed reports with the FTC on this company multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: NC

Complaint narrative:
Factor Trust & XXXX XXXX have accepted, reported and denied me dispute of the erroneous items on my report that is reporting to the major credit bureaus. In addition, my identity was stolen, I never authorized Factor Trust to hold, sell, and record my private confidential information. 

I requested all addresses, accounts, etc. to be frozen due to identity theft. 

The company below will not allow me full disclosure of who, what, when, and were used my name, ID etc. for their gain. This is identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Drivers License ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I had a leased XXXX XXXX through General motors FInancial, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with Gm Financial on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that Gm financial makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at G M Financial accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX. 

After submitting complaint ( s ) XXXX. I got a call from chase executive office and from a XXXX on a voice mail on my cell. XXXX ext. XXXX. When I called him back I left a voice mail message for him. Later today he called my voice mail back. Then just now at XXXX PST or XXXX : XXXX  PST ( Eastern Time ) today on Friday, I called him again and got his voicemail again it appears that Chase does not want to resolve this. This has become very frustrating for me and inconvenient over a very simple matter. They have handled this in a very improper unprofessional manner. 

If this still is not resolved by next week I am thinking of adding a consumer statement to my XXXX  report and flagging my report to the effect that the Chase account is over > 10 years and is possibly in non compliance with the FCRA because of inaccuracies. 

Also will forward a copy to the XXXX  for compliance review. For sure I will never deal with Chase again and I have heard complaints from many people as well thank you for letting me bring this to your attention XXXX XXXX Friday XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13 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: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
Received a notification that I had applied for account with XXXX  prosper when I have never applied for this bank or account they need to remove their inquiry from my report immediately!!!

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 2020-02-13 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
About two ( 2 ) to three ( 3 ) months ago I received a call on my cell phone from Amsher Collection Services about two ( 2 ) accounts that they were handling for XXXX XXXX XXXX XXXX each one with an identical balance of {$120.00} that totaled {$250.00} ... I explained that this was the first I was hearing about these outstanding bills and that they should of been paid by my insurance company XXXX XXXX XXXX XXXX of Alabama ... I asked that they stop calling my cell phone and send me a detailed statement showing the charges that were submitted and what my insurance company paid ... They advised me that they would submit my request ... I never received any statements detailing the outstanding duplicate charges of {$120.00} each so I just assumed that they received the payments from XXXX  and that everything was taken care of ... Then on XX/XX/2020 I received an update from XXXX XXXX that my Credit Score dropped 50 points caused by two collection accounts from Amsher Collection Services in the amounts of {$120.00} were added to my credit profile ... My FICO score was XXXX and I had impeccable credit profile and to have this happen without warning is unacceptable ... If I owe the money, I'll pay it immediately, but I would need proof that the amounts are actually owed ... I find it highly suspicious that the two accounts would have identical balances of {$120.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I was notified on XX/XX/XXXX at XXXX that I owed {$5700.00} from dates of services XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX. The company that called me did NOT leave a voicemail in which I called back. The company is called Common Wealth Financial Systems, Inc. I have never been back to back to this facility ever before. Its scary because these dates do NOT sound familiar at all and I didn't receive anything in the mail I also have NEVER been called from this facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called what i thought was XXXX  support ( XXXX ) to help me with a computer issue, and the person on the phone had me download an app so he could see what i was doing on my screen and had me send him money via XXXX XXXX. He had me delete my card and add his, then remove his and put mine back, in hindsight he was obviously lying but i was frazzled and worried about my computer. I told him i didn't want to pay anything and he told me that I wasn't paying anything. I sent him {$870.00}, and then realized what had happened and hung up on him. I called the bank and we cancelled my debit card and i made a fraud claim. I also called XXXX XXXX support but was told they couldn't help me because the transaction went through my bank card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I successfully completed, signed and notarized a loan modification with XXXX XXXX  in XX/XX/XXXX. In XX/XX/XXXX the loan was transferred to another servicer, Rushmore Loan Management. As XX/XX/XXXX my modification has not been completed. My loan is in limbo and I have been making payments that are not credited to my loan. I call both companies and every day. Rushmore told me today XX/XX/XXXX that they can not get the terms of the loan to match the terms that XXXX sent. Rushmore says XXXX is not responding, XXXX says Rushmore has everything they need. 

Originally, I was told that in order to start the trial modification I would need to pay {$10000.00} prior to the first payment in XX/XX/XXXX. In XX/XX/XXXX I expressed my concern about paying {$10000.00} essentially a down payment that was not noted in the agreement. There was no mention of the {$10000.00} anywhere, I went out of my way to continue to tell XXXX that this didn't seem right. Well my fears are now validated because Rushmore indicates the {$10000.00} is the very reason, they can not process my loan - because the {$10000.00} was not spelled out in the modification paperwork as a down payment - it is essentially showing that I made all the trial payments as a lump sum. 

As of XXXX nothing is resolved and I am still limbo with this loan. It is extremely hard to get anyone on the phone at either company. 

Specifically, I have left messages for the Supervisors at Rushmore, XXXX XXXX and XXXX XXXX but no one cares enough to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TN

Complaint narrative:
CREDIT CARD WAS OPEN WITHOUT MY KNOWLEDGE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing acquired our mortgage loan XX/XX/XXXX that I have had for 13 years. I have never had an issue or late payment until then. Their billing was often delayed and partial amounts. However, I sent the payment for amount billed usually within a week of receiving the invoice. Shellpoint admitted that they were having problems with billing amounts and timelines. 

The following are when my checks cleared on this loan. Again, for the amounts that were billed. The last payment to the previous holder, XXXX XXXX was XX/XX/XXXX for {$180.00}. The following are to Shellpoint Mortgage. 
XXXX {$180.00} ; XX/XX/XXXX {$180.00} ; XX/XX/XXXX {$180.00} ; XX/XX/XXXX {$110.00} ( this was not billed ; amount given by phone ) ; XX/XX/XXXX {$1600.00} ( this invoice had 3 monthly payments due -- first notice I received on this amount ) ; XX/XX/XXXX {$610.00}. Have continued with monthly payments on time. 

It appears they are reporting the XXXX payment late to the credit bureaus. I have contacted them 10-12 times without resolution. I was originally told that they were correcting in inaccurate late payment, but has not been done. 

Shellpoint Mortgage Servicing is a rogue mortgage servicing company. They have 565 complaints by XXXX XXXX XXXX, over 200 negative reviews on XXXX and were sued by the Massachusetts Attorney General and settled for {$4.00} million on XX/XX/XXXX for violations of regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX pulled a hard pull on my credit. Which, I didn't mind at the time. They have asked for several documents to be submitted, I couldn't submit those documents at that time until the following day. I did not receive any phone calls from them nor any e-mails that they've denied my loan request. I have to call to find out that they dined my loan. I asked them why, and they wouldn't give me a solid answer. The hard pull on my credit is what hurts me the most because I did not even have the chance to talk to anyone about the case or even show any proof. I called Trans Union to see if they can help me dispute my credit score, they stated that they need a letter of the loan denial. I called XXXX again and they would not give me a letter and kept saying that it was my fault. Any company that I've gone through credit cards or loans, you always receive a letter saying they have approved or have denied your request. I don't understand what their issue was, but it's unethical. Glad to be denied because I wouldn't want to do business with them even further after this incident.

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 2020-02-13 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: AR

Complaint narrative:
I applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX   XXXX and I saw various items that had been open from XX/XX/XXXX-XX/XX/XXXXand one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$250.00} XXXX   XXXX XXXX {$420.00}

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 2020-02-13 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: AR

Complaint narrative:
I applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX   XXXX and I saw various items that had been open from XXXX and one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$420.00}

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 2020-02-13 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 pulled my credit to myself to check the reason why my score was so low. I knew I was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple of items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
My student loans were discharged under the PSLF, but FedLoan reports ( and I concur ) that I paid 123 out of 120 payments resulting in a 3 additional payments over the required 120 payments ( see attached ). On XX/XX/XXXX, FedLoan Servicing reported that it would take 30-60 days ( see attached ) for the Department of Treasury to refund these over-payments. As of XX/XX/XXXX, it has been over 90 days and I have not received a response to my request for this refund which is approximately {$1700.00}. I would like CFPB to look into this matter to identify the problem and what needs to be resolved to refund these surplus payments to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ive tried on multiple dates and time from XX/XX/XXXX through XX/XX/XXXX to fix these fraudulent issues regarding this account. Ive disputed and exercised my rights with the use of legitimate sources and instruments to obtain titles from this car loan that was not legitimate and fraudulent in many ways. They are reporting on my credit reports til this day. I have police reports and also have filed reports with the FTC on this company multiple times.

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 2020-02-13 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:
Last month of XXXX my credit score from Transunion was XXXX. I checked my score this month today is XX/XX/2020. Transunion dropped my score 100 points. This is total XXXX  XXXX and I'm getting very sick of this! When I checked what changed through XXXX XXXX. They showed XXXX XXXX XXXX  was removed. So if the collection was removed why am I being penalized a negative of -100 points to XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TN

Complaint narrative:
CREDIT CARD WAS OPEN WITHOUT MY KNOWLEDGE

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 2020-02-13 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: RI

Complaint narrative:
Experian placed a fraud alert on my credit report. I submitted all necessary documents to have this removed on XX/XX/2020 yet it has not been removed yet. this is in violation of the FCRA.

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 2020-02-13 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: AR

Complaint narrative:
I pulled my credit to myself to check the reason why my score was so low. I knew I was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple of items on there that are not mine. I have never seen these items in my life. Please remove the items from my 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