vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 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 — Investigation took more than 30 days
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
Hi there, My name is XXXX XXXX, I am a XXXX XXXX  and have three properties in XXXX XXXX. One primary residence and two rental properties.

One of the rentals was under renovation and another is being rented.

My tenant got laid off during covid-19 lock down and was unable to pay the rent. 
I was mislead by many news in XXXX that missed payments would not be reported for 3 months not to damage credit. So I did not have enough funds in XXXX to pay the rental property since I did not get the rent from Tenant, so I pay balance for 2 months in XXXX thinking it won't damage my credit during pandemic. Next day I receive credit report of a 30 day late payment from united wholesale mortgage that dropped my score by 100 points. 
I called UWM very next day on XX/XX/XXXX of XXXX to ask for forgiveness and help me solve the problem. I explained the situation with misleading news. I explained them that I did not receive a payment for rental property and had to ask for payment assistance ( file attached ). Customer rep from UWM submitted a request and told me I would receive a letter from UWM next 20 days. She also advised to file a dispute with credit  bureaus witch I did same day. 
I just received XXXX  dispute results and it still shows 30 day late payment. 
I received assistance check 1st days of XXXX but the payment was already late and due for 2 months now, so I paid for both months on XX/XX/XXXX. 
I have 2 accounts with UWM and I paid my personal property on time but I did not have funds to cover the rental property. 
I also applied for Economic Injury Disaster Loan on XX/XX/XXXX because my business has hit very hard, I just received application pre approval on XX/XX/XXXX but still don't have funds. ( file also attached ) I believe businesses need to be more supportive during this pandemic, I am building a brand new building and we are finalizing the construction right now, we started construction in XXXX of XXXX, now I have to close on my SBA 504 loan next 30 days and my credit is in 600s. We are talking about XXXX loan and this is a massive impact for me right now. I did not let anyone in my team down and did not furlough any worker in my company to help them, now after paying their weekly income I am suffering the consequences. 
CFPB please help me remove 30 day late payment, I know I was late but not because I was careless. If I have to I could find XXXX news that mentioned that credit would not be affected during pandemic. 
Loan number with united wholesale mortgage XXXX ( account was just refinanced ) Property address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX   report number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: MS

Complaint narrative:
I have contacted Experian twice in the past & I filed a complaint XXXX XXXX and told them that XXXX  is a FRAUD account and needs to be delete from my credit report. I have not received anything from this company or give them permission to access my credit report. There are inquries that I didn't give permission to have reviewed my credit either for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX. Please delete this FRAUD information. I have sent a copy of my ID and everything I feel that this is not right and against the law to report information that you know is FRAUD.

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 2020-06-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
refi lender is getting 90 point difference from XXXX  and transunionXXXX however getting correct scores from XXXX  XXXX. How can they get different scores than i can pull as consumer i should see what they see

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MI

Complaint narrative:
I submitted a disputed regarding an inaccurate bankruptcy account that Lexis Nexis has under my name and social security number. I also requested Lexis Nexis to freeze any information they have under my name and social security number. I exercised my rights by submitting a written dispute with my name and full social security number. In turn I was refused a freeze and refused a dispute unless I provide them with more personal info e.g. my driver 's license number etc. I already provided them with my full name, address and social security number. This company is providing others inaccurate information that someone else published inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: FL

Complaint narrative:
Equifax added a balance of {$2300.00} for a settled XXXX account to my report, then removed it after I called in to dispute the item, and readied the incorrect account and total back to my credit report. This has dropped my score from XXXX to XXXX. My other bureau scores are XXXX and XXXX for XXXX  and XXXX  respectively. This mistake is stopping me from pursuing an FHA loan as I have already told them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Good Afternoon BestBuy/Cbna Representatives, I was actually shocked today when I signed up for a credit monitoring site and noticed that there were some late payments on my credit report. What actually hurt me more, is that I have an exceptional payment history with this company since XX/XX/XXXX with no late payment and now you guys marked me late in XX/XX/XXXX for 30 days late. If you check my overall creditworthiness, you will see that I pay all my bills on time with absolute NO late payments. I really love the relationship I had so far with you guys, and I'm certain that this was a mistake. 

I work in XXXX Industry ( XXXX  XXXX XXXX ), and even though i haven't worked since late XXXX i still pay my bill before i actually buy food due to the relationship i have with my credit card companies and the obligations I have. Honestly, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

Sorry for my grammatical errors as English is not my strongest language. I speak XXXX XXXX and XXXX. But Thank you in advance.

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 2020-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX IS NOT ACCESSIBLE FOR MY XXXX  XXXX. I am a XXXX yr old Target by Profile XXXX  Vicitim of Ideninity Theft case XXXX. FINANCIAL INSTITUTIONS ARE ESSENTIAL. See attatched XX/XX/XXXX EQUIFAX CINFIRMATION XXXX. ADA COMPLIANCE Accessible Design, states ALL electronic & technology ( websites ) MUST be accessible to people with disabilities. VCAG 2.1 ADA COMPLIANCE. Equifax PROVIDES NO ACCESS. ALSO I AM VICTIM TO EQUIFAX BREACH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MiraMed Revenue Group LLC
State: NM

Complaint narrative:
I had a XXXX  back on XX/XX/2016. I was assured that there would be no out of pocket cost. That it would be covered 100 %. It was a preventative procedure. 

I have been getting calls from Miramed Revenue Group threatening me. That if I don't pay {$480.00}, it will go on my credit report. That was after I told them I have a recording of Dr XXXX 's staff telling me there would be NO OUT OF POCKET COST TO ME. Based on that information, I went ahead had the procedure done. 

Under the Affordable Care Act, services recommended by the U.S. Preventive Services Task Force are covered with no out-of-pocket payments. For people between 50 and 75, the task force recommendsscreening for colorectal cancerusing stool testing, sigmoidoscopy or colonoscopy. 

[ According to the law, if a polyp is discovered and removed during a screening colonoscopy, there will be no charge, because thats considered part of a routine colonoscopy. ] According to this article below, It says that, While the Affordable Care Act includes free preventive procedures like colonoscopies, were hearing more and more that people are being asked to pay, from community members. We dont know anyone who keeps overall records on how big this problem is, but we can tell from this article by being one of our busiest posts. 

Under the Affordable Care Act, services recommended by the U.S. Preventive Services Task Force are covered with no out-of-pocket payments. For people between 50 and 75, the task force recommendsscreening for colorectal cancerusing stool testing, sigmoidoscopy or colonoscopy. According to the law, if a polyp is discovered and removed during a screening colonoscopy, there will be no charge, because thats considered part of a routine colonoscopy. 

Dr XXXX XXXX XXXX, went ahead and charged me anyway, even though I was specifically told by a member of his staff that there would be NO OUT OF POCKET. They would check to be sure and if for some reason there would be any out of pocket cost, they would let me know prior to the procedure. 

I have a recording of that conversation that I will gladly provide. I want to go to court to present this evidence to a fair minded judge. 

Here is the article that also says that Doctors offices are often miscoding these procedures in order to charge their patients more money. 

From <https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RANLife, Inc.
State: CA

Complaint narrative:
We have a mortgage with Ranlife.com. In XXXX we were paying the mortgage late but within 30 days and paying the late fee as our SS doesn't come in until later in the month. 
The loan number in XXXX was XXXX and we could access it online. In XX/XX/XXXX Ranlife, changed the servicing and loan number to a number ending in XXXX and change the web site for payment to https : //ranlife.servicingdivision.com/. We wanted to start paying within the 10 day allowance in XXXX, so we made an additional payment in XX/XX/XXXX. Their online records, do not match our bank statements ... see below My bank payment record shows : Their record record shows : XX/XX/XXXX {$1500.00} {$1500.00} XXXX XX/XX/XXXX {$1500.00} {$1500.00} XX/XX/XXXX this is the 2nd payment in XXXX .... this was a catch up payment XX/XX/XXXX {$1500.00} {$1500.00} XXXX XX/XX/XXXX {$1600.00} {$1600.00} XXXX XX/XX/XXXX {$1500.00} {$150000.00} XX/XX/XXXX {$1600.00} you no payment XX/XX/XXXX {$1900.00} don't have your XXXX record We also need the XXXX record from them. WE have asked them several times for the XXXX record and to make the XXXX record correct. So far they have responded but not completely. 

We have the bank payment evidence, we want them to correct their records an d make the XXXX record available to us. 

If you can help us with this we most appreciate it .. Thank you XXXX XXXX XXXX XXXX XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
As of XX/XX/2020 my banking express account has been frozen and a hold of $ XXXX was subsequently posted to my account. When I spoke with the first customer service rep XXXX I was told that the fraud of alert needed to escalated to someone else, her name was XXXX. XXXX verified all of my necessary credentials only to tell me that someone would be in contact with me regarding my case. No explanation or rational was rendered for the hold on my account or as to why I needed to be investigated. I promptly asked for a supervisor and was told none were available. Neither XXXX supervisor nor her supervisors supervisor was available. I left a voicemail with the number I was given to call. No one returned my call. I subsequently called the bank back again, this time speaking to a XXXX whom after again verifying my information placed me on a hold and then hung up on me. I called back again and this time I spoke with a XXXX who informed me that an investigator had been assigned to my case and I was given her number. I was transferred to the investigators line. She did not answer. I left a voicemail. No call was returned. I have since called the bank several more times including the emergency hotline number that I got from XXXX  ( the investigator ) voicemail box. When I tried that line, three times I was redirected to the disputes department and which was the in correct department. Only after I called a fourth time did the operator tell me that she has been directed to tell me that my investigator will get in contact with me because as it stands it is after hours. Meanwhile my entire livelihood has been placed on hold. Keep in mind the funds in question were submitted to my account by the federal government and by a state government facility as well. None of the funds in question were submitted by personal check or a check period. Nor was this an atm deposit. Both transactions were electronic and clearly labeled appropriately for each respective entity that made said deposit. I currently hold in my possession all verifying paperwork as proof of these funds and where they come from. However, I have cause to believe that because this is atypical behavior that this treatment is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An account appeared on my credit report in XX/XX/2020, for a car that I did not purchase. So far 3 payments have been missed and my credit has been damaged. 

A woman with a similar name to mine purchased a new XXXX XXXX XXXX  from the XXXX XXXX XXXX Dealer ( California ), using my name and SS #, for {$40000.00}. 
I found out when it appeared in my credit report, which is damaged already by this. 

The XXXX XXXX said it's not their problem and washed their hands. 

XXXX XXXX requested that I file a police report, which I did with the XXXX XXXX Sheriff Department ( where I live ), in order to send me a " Fraud Package ''. I filed a police report, gave XXXX XXXX the case #, and requested the Fraud Package 4 times, and the package never arrived. XXXX refuses to send the package thru a different method and refuses to take the vehicle off my record. 

This is seriously damaging my financial record that was impeccable before this happened.

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 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
Robinhood locked my account XXXX has stop my transactions between them Robinhood hasnt unlocked my account for some reason need to file something to let my account to be lifted by robinhood nothing to do with XXXX banking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX  IS NOT ACCESSIBLE FOR MY XXXX  XXXX. I am a XXXX yr old Target by Profile XXXX  Vicitim of Ideninity Theft case XXXX. FINANCIAL INSTITUTIONS ARE ESSENTIAL. See attatched XX/XX/XXXX XXXX   CINFIRMATION XXXX. ADA COMPLIANCE Accessible Design, states ALL electronic & technology ( websites ) MUST be accessible to people with disabilities. VCAG 2.1 ADA COMPLIANCE. XXXX  PROVIDES NO ACCESS. ALSO I AM VICTIM TO XXXX  BREACH XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: PLAZA HOME MORTGAGE, INC.
State: GA

Complaint narrative:
Plaza Home Mortgage just caused my credit score to drop over 60 points again in one day by reporting false late payments to the credit bureaus when they are aware of the legal agreement that I have to not have reported me late while I was under forbearance. This company made a legal agreement with me to not report me late to the credit bureaus while I was under forbearance. Not only did this company falsely report me late to the credit bureaus while I was under forbearance despite our legal agreement to report me they keep changing the dates that they report me late causing my credit score to keep dropping 60 to 100 points every time that I raise my credit score. Under the Cares Act by law this company is not to report homeowners late while under a forbearance agreement, however, they continue to break the law. I have tried multiple times to resolve this matter and they have ignored my requests and instead keeping moving around the dates that they are reporting me late when they are aware of our legal agreement to not have reported me late while I was under forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Good Afternoon Capital ONE Representative, How are you and hope you're safe and sound during this global pandemic here. I was actually shocked today when I signed up for a credit monitoring site and noticed that there were some late payments on my credit report. What actually hurt me more, is that I have an exceptional payment history with Capital ONE since XX/XX/XXXX with no late payment and then i saw a late payment marked on XX/XX/XXXX for 30 days late. If you check my overall creditworthiness, you will see that I pay all my bills on time with absolute NO late payments. I really love the relationship I had so far with you guys, and I'm certain that this was a mistake. I work in XXXX  Industry ( XXXX  XXXX XXXX ), and even though I haven't worked since late XX/XX/XXXX i still pay my bill and fulfill my credit obligations. Honestly, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Sorry for my grammatical errors as English is not my strongest language. I speak XXXX XXXX and XXXX. But Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is a XXXX  account, for my company, and is not a personal credit card account. No documentation or signature or authorization was ever provided outside of XXXX   application, and outside of any upfront disclosures, and outside of any transparency as to personal credit reporting. Account is not mine. Account belongs to XXXX.

Company response to consumer: Closed with explanation