vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
On XX/XX/2021, I made a payment ahead of time to the mortgage company Home Point Financial in the amount of {$1700.00} to satisfy the payment due for XX/XX/2021. This action makes my next mortgage payment 's due date as XX/XX/2021. In a letter dated XX/XX/2021 from Home Point Financial, I was advised that my new loan servicing company will be XXXX , XXXX ( XXXX ) effective XX/XX/2021. XXXX , XXXX ( XXXX ) does not have the payment I made to Home Point Financial and still has my next payment due date as XX/XX/2021, not XX/XX/2021, and does not have my payment from XX/XX/2021 reflected in its account dashboard. I also spoke to a XXXX , XXXX ( XXXX ) customer service representative on XX/XX/2021, who confirmed that they did not receive monies of my XX/XX/2021 payment from Home Point Financial. This has not been a smooth transfer of my mortgage, and I am worried that my payment is unaccounted for and that it may appear that I did not make a timely mortgage payment, which can adversely affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have reached out to Capital One to have the {$39.00} membership fee since my card has been restricted for well over 2 years to only be advised that they are unable to remove the fee. The card company is a rip off how can you continually charge a membership fee yearly but yet the customer card is restricted and unable to be used. I want all my membership fees refunded or the card unrestricted immediately or I will reach out to my attorney to file a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account in question : XXXX XXXX XXXX This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Transunion and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Transunion. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had XXXX time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly notified equifax the information from XXXX XXXX XXXX is inaccurate. They have yet to show when the last payment on the account was made and keep changing the date to keep it on the report. I have explained I was imprisoned from XXXX until XXXX. The first time they moved the date was early XXXX when they changed the drop off date from XX/XX/XXXX to XX/XX/XXXX. In XXXX when it failed to drop off I filed another dispute and found out the date had been changed to XX/XX/XXXX. THe other 2 companies have already removed the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed atleast 10 complain since XX/XX/2021 about same issue that Credit bueros reporting late payment of my one mortgage with XXXX XXXX XXXX account # XXXX .. this case is going on since XXXX and XXXX says they never reported to credit bueros and Transunion says shellpoint has reported it. 

1. I am attaching credit report here - where negative report is appearing 2. I am also attaching shelpoint letter where they mentioned they never reported. so who is lying here, either XXXX is lying or Transunion and XXXX is lying. 

If XXXX never reported negative report then who has reported and why credit bueros showing it on report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: TX

Complaint narrative:
CREDIT SERVICE CO has placed an account on my consumer credit report in the amount of {$790.00}. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor, this company is furnishing unauthorized and inaccurate information on my consumer credit report and that would be resulting in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX Suntrust XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/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 2021-11-11 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that isstill reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: TX

Complaint narrative:
Credit Control is tryin to collect debt that I am unaware of. I asked for Validation of debt. I do not owe credit control. Please see attached document.

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 2021-11-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I would greatly appreciate these items being removed immediately from my credit reports as these items are inaccurate anI noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX XXXX/XXXX XXXX do not belong to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account in question : XXXX/XXXX  This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This account should only report a charge off for the month of XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Transunion and it came back on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 5 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Transunion. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i had my account closed due to fraud activities not related to me... .my checking account was closed and i call and was told i could withdraw my monies in person at any retail store...... NOT TRUE ... ..at the retal store i was told they were going to send me the balance in a certified funds check on XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have already paid the balance owed on this account and has not yet been removed from my credit, I have the satisfaction letter but yet no removal on my credit report. ally financial is the creditor ally financial XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) 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 2021-11-11 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: AL

Complaint narrative:
Experian is reporting a different date opened and a different account status also different date last active from the other credit bureaus. This is a 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 2021-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I suffered a loss due to COVID 19 national disaster, as result my loan was placed into forbearance. My mortgage company Suntrust now Truist Bank sent out documents for me to sign for the partial claim option. I sent the documents however the bank says they never received them and they reported my account as over 180 days late, severely impacting my credit score. I called the bank to investigate but they were unable to remove the negative remark because the loan has to go through the loss mitigation process all over again. I am complaining because I suffered through XXXX XXXX, now I am being punished for something out of my control with mailing system and to report my account as late and impact my credit score really hurts. Please help 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 non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: SC

Complaint narrative:
Gateway mortgage company was the servicer of a mortgage I obtained in 2016. Last year, during XXXX, I was told that my mortgage was in forbearance. However, I still made every payment on time. Gateway sold my mortgage to a different mortgage company. When the interest rates dropped really low this past year I attempted to do a refinance. At this time I found out that my credit report was showing XXXX late payments when my mortgage was with Gateway. I have reached out several times to Gateway to have this corrected with no success. I am now in the process of seeking legal advise to remedy the actual damages that I incurred by now being able to refinance at a lower rate and for having misinformation reported to the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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:
Todays Date is XXXX XXXX My Experian Report Number : XXXX And My FTC Report Number Is XXXX And This Is The Second Time I'm Writing This Complaint I am a victim of identity theft i have Sent In My Police Report And FTC Report To Experian Over And Over I Even Call Experian Spoke To A Person By The Name Of XXXX XXXX From The Fraud Department Which Was Very Rude To Me! This Account Experian Is Reporting On My Credit Does Not Belong To Me XXXX XXXX XXXX Account number XXXX {$14000.00} Experan Claiming That The Account Is Verifed But They Never Showed Me Proof Of Verification Because This Fraudulent Information And Don't Belong To Me Very Disapointed With The Way Experian Has Been Handling My Report I've Sent My Police Report And Ftc Report PLEASE REMOVE THIS ADDRESS FROM MY REPORT I NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, FL 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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Capital Accounts, LLC
State: MS

Complaint narrative:
CAPITAL ACCT has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised that this is my SECOND REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.

You are required under the FAIR CREDIT REPORTING ACT to have properly verified that an account listed on my credit report is mine by having a copy of the " original credit application file. 

See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America submitted a application in which I didn't apply for. They Maliciously went into my. Credit account 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 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX is tryin to collect debt that I am unaware of. I asked for Validation of debt. I do not owe credit control. Please see attached document.

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have repeatedly notified XXXX the information from PORTFOLIO RECOVERY ASSOCIATES is inaccurate. They have yet to show when the last payment on the account was made and keep changing the date to keep it on the report. I have explained I was imprisoned from XXXX until XXXX. The first time they moved the date was early XXXX when they changed the drop off date from XX/XX/XXXX to XX/XX/XXXX. In XXXX when it failed to drop off I filed another dispute and found out the date had been changed to XX/XX/XXXX. THe other 2 companies have already removed the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I filed atleast 10 complain since XX/XX/2021 about same issue that Credit bueros reporting late payment of my one mortgage with Shellpoint newrez mortgage account # XXXX .. this case is going on since XXXX and Shellpoint says they never reported to credit bueros and XXXX says shellpoint has reported it. 

1. I am attaching credit report here - where negative report is appearing 2. I am also attaching shelpoint letter where they mentioned they never reported. so who is lying here, either shellpoint is lying or XXXX and XXXX is lying. 

If shellpoint never reported negative report then who has reported and why credit bueros showing it on report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation