vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
well on the XXXX XXXX XXXX  and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX  XXXX XXXX  is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Shellpoint is my mortgage company. I pay monthly, {$780.00}, on time every month via my bank 's bill pay feature. 
Beginning in XXXX I paid {$880.00} ... an extra {$100.00} on top on my {$780.00} due so I could pay off principal faster. 
Also beginning in XXXX, Shellpoint stopped posting my payments. The ONLY change was that I started paying extra- same timing, same pathway, same everything else. 
Shellpoint indicates they can not locate the payments despite me providing them bank transaction confirmation. They want a cancelled check- never mind that I have ALWAYS paid this bill electronically. Who pays with checks anymore?? 
Shellpoint neglected to inform me they were not posting my payments- I see the money deducted from my bank account and sent to them, and logically assume my bills are paid. They have my payments. Wouldn't you think a mortgage company would figure out where payments should be posted in their system and not just disappear? 
The FIRST indication of a problem was when XXXX texted me with a drop in my credit score. 
I called Shellpoint and have gotten nowhere. They refuse to acknowledge their error and refuse to right my account or to even look to see where they allocated my payments. EXTREMELY FRUSTRATING.

So in summary : I pay my mortgage every month, never miss a month. Shellpoint took my money but hasn't posted it. My credit score is dropping because they ( fraudulently ) notified the credit agencies I was in arrears ( I was not ). And they added late fees. 
DO NOT USE SHELLPOINT. My mortgage was with another company that sold it to Shellpoint- they have horrible customer service and even worse business practices. Avoid them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I recently was approved to receive unemployment benefits but i did not receive a way2go card. When i tried to go the website and register for a card it would not let me. Now i am curious on how i will get my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/2020, my Apple Credit Card  which is issued by Goldman Sachs was restricted by Goldman Sachs. My credit limit was  dropped to {$0.00} available and the credit card was frozen. I contacted customer service on 3 separate occasions and twice I spoke to a supervisor. These contacts took place on XX/XX/2020 at XXXX XXXX, XX/XX/2020 at XXXX XXXX, and XX/XX/2020 at XXXX XXXX. Each time, I was informed that they are unable to provide me with any reasoning why my credit card account has been frozen by them, they are unable to provide me with a timeframe for how long my account with be frozen and whether or not it will be unfrozen. I have the right as a consumer to know the reason why my credit card account has been frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$4300.00} XXXX XXXX {$250.00} XXXX/XXXX  XXXX {$48.00} XXXX XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2300.00}

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 2020-05-12 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$4300.00} XXXX XXXX {$250.00} XXXX/XXXX  XXXX {$48.00} XXXX XXXX XXXX XXXX {$45.00} XXXX XXXX  XXXX {$960.00} XXXX  XXXX {$3800.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2300.00}

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 2020-05-12 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 decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$550.00} XXXX/XXXX  XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
well on the XXXX credit card  and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX XXXX XXXX is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
well on the XXXX credit card and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX XXXX XXXX is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: FL

Complaint narrative:
Last year in XXXX, I bought a piece of furniture from XXXX XXXX XXXX and the total price was {$2200.00}. The store put me in touch with a lender, called American First Finance, to finance the furniture. Now, my credit is good and I could have obtained financing elsewhere but they unduly influenced me to go through their lender. So, I did not realizing this was not a typical financing agreement ... instead it was an oppressive lease-to-own, which I would have not never agreed to had they disclosed and explained all the terms clearly. 

I have been paying religiously every 2 weeks {$150.00} for the past 8 months. As I have now paid over {$2800.00}, which does not include the initial processing fee of {$53.00}, I called the store repeatedly in XXXX to get a pay-off amount ... they were not helpful. I finally physically went to the store and that is when I found out that to pay off the debt I would need to pay a total of over {$7000.00}. Now, how can this be legal? This is unfair, deceptive, abusive, undue influence both from the store and the lender, American First Finance. 

I told the store they could have their furniture back, even though I would be at a loss of near {$3000.00}. But, they said that is not an option. And all of the sudden, the store claims that they have nothing to do with First American Finance. I have attached the transaction report that I requested and obtained from First American to show how unconscionable this deal is. I beg the CFPB to investigate this company and do something. I am a working parent supporting a family of 6 and it is not fair for this company to attempt to extort me like that attempting to charge more than 3 times the value of a furniture in the span of 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As a result of the COVID-19 pandemic, my mortgage company placed a notation on my credit report that it was in forbearance and the Credit Bureau Equifax lowered my score by 35 points.This goes against the Governments statements that no one would be effected in a negative manner as a result of the pandemic. How may I get my score back to it's previous level?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2020 we submitted a Dispute Acknowledgement Form to Synchrony Bank with all relevant documentation. On XX/XX/2020 we received an acknowledgement letter from Synchrony Bank. On XX/XX/XXXX after receiving an email that a payment was due calling to inquire why when we had not received a response on the dispute filed on XX/XX/2020. 

After several go rounds with Synchrony Bank customer service on XX/XX/2020 ; A.  ) Synchrony Bank proclaims to have mailed a letter on XX/XX/2020 ; a ) In addition, it was implied that Synchrony Bank did not have to send a letter because Synchrony Band had been notified by the XXXX XXXX XXXX  that we had agreed to such said purchase agreement that we received dated and sent on XX/XX/2020, bearing no signatures. 

b ) As stated in the Dispute letter filed on XX/XX/2020, we undeniable stated that ; 1. ) On XX/XX/2020 we made a purchase of a XXXX XXXX XXXX Serial # XXXX. Returning XX/XX/2020 being we had never been supplied with an electronic, physical, verbal or review of the purchase order nor the credit card financial documentation. In addition to the discrepancies in the purchase order and information supplied to Synchrony Financial by XXXX XXXX. 

Being the facts were presented to Synchrony Bank and we believe neglectfully dismissed the dispute without proper notification ignoring the facts. Attached are relevant documentation supporting our position. Please investigate this matter accordingly, providing accountability in Synchrony Bank enforcing federal consumer financial laws and protecting consumers that promotes fairness and restricting unfair, deceptive, and/or abusive acts or practices against consumers especially as it relates to this purchase. 

XXXX XXXX refuses to give ones and us any printed documentation stating that all is done " Electronically ''. 

See attached letter as Formal Description " CFPB 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 monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Car Credit Finance, LLC
State: VA

Complaint narrative:
I make payments than they go up on my payments. And when you make payments it go down not up and they change things on my contract of payment its 45 not 46 in they keep on change the finance company XXXX. 
Car credit finance office XXXX XXXX XXXX fax XXXX XXXX XXXX XXXX  XXXX XXXX fax XXXX and they get smart with you on the phone all the time the mgt. And she fraud my name on the car to sale with out my permission and still make payments. And the car is toll loss from a accident last year XX/XX/2019 .recall salvage and lien on the car and a illegal register with somebody else name on it not mine and the same car vin number of the same car. But the dealership is saying they neither had nobody by that name come in for a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affiliated Acceptance Corporation
State: TX

Complaint narrative:
I signed a contract with XXXX XXXX XXXX in XXXX of XXXX. Contract is attached. Nowhere in the contract have I provided my SSN. This business reported to the credit bureau as if I have a payment installment debt with them from the beginning. I was never notified of this action, neither in contract nor by mail, nor in person. We were promised in summer of XXXX the XXXX XXXX testing for my daughter will be completed by XX/XX/XXXX. In XXXX of XXXX those promises have been broken and the date changed to sometime in late Fall. In XXXX of XXXX we contacted the business asking them to release us due to change in dates and our commitments with other programs that we have made based on their initial promises. In XXXX after Covid19 breakout we were convinced we didnt want to have group classes and stopped attending them. We sent out a letter to the company stating the reasons of our decision to terminate the contract. Our main complain was us discovering they have fraudulently obtained my SSN and reported it to the credit bureaus as a loan. After this finding I didnt feel I wanted to have any business with them. Their mission promise on their front page is not what they practice in reality and far from truth. Online classes for a XXXX XXXX  preparedness is far from high standards and that is not how I want my child to be taught martial arts, but according to their unilateral contract we are still obligated to pay the gym fee even if the business is closed! We are still obligated to pay the remainder of the contract even if we have moved more than 25 miles away. We are still obligated to pay even if we have medical condition. They is no clause in that contract that will release us from this contract. They broke the law and they will not answer my emails, numerous phone calls. The collection company advices me that they will report me to all the credit bureaus if I dont pay the debt. I informed them I dispute this debt but no one is following the steps in the collection process. Attached please find the contract and my letter to the business to which I never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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 decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX   XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}

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 2020-05-12 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 decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX   XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They store credit card information for future payments. However, you can not manage your credit cards to add or remove them. They have been unresponsive to my request to remove them so that I can add new payment methods as some of my credit cards have expired. I have submitted the request via their website form and through the chat, multiple times. Now, my account is delinquent and past due and has affected my credit rating.

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 2020-05-12 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Covid 19 CARES ACT clearly states mortgage servicer 's are required to provide 180 days mortgage payment relief and another 180 days mortgage payment upon request without penalty or accrued interest. On XX/XX/2020 requested Covid 19 CARES ACT mortgage relief from SLS Loan Servicing was given 90 forbearance period with balloon payment due at the end of the 90 day forbearance period ending on XX/XX/2020. On XX/XX/2020 sent certified letter to SLS Loan Servicing to advise Covid 19 CARES ACT mortgage relief requirement and request 1 year mortgage payment relief. SLS Loan Servicing has not authorized my request.

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
In XXXX of XXXX I disputed a claim in the amount of {$1800.00} from Hunter Warfield and  asked them for documentation as to how it belonged to me - they removed the collection claim from my profile within 30 days and sent me an apology letter. They then added the same claim back to my credit profile in XXXX of XXXX which I disputed directly with the credit bureaus - this claim was removed again within 30 days. They have now for the 3rd time added a collection account to my XXXX profile in XXXX of XXXX which they know is illegal. 

Please handle this, I will also be looking into action I can take now due the repetitive harrassment. 

1 collection account Total balance : {$1800.00} HUNTER WARFIELD Original creditor : XXXX {$1800.00} Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief