vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My student loan servicer is XXXX XXXX Borrower Services. They have reported that my account is in deferment, which is because all federal loans are due to the pandemic. This has caused my credit score to drop to the point that I can not purchase a home anytime soon. I was told that deferment does not impact your credit score.

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020, I started the Exparian Boost after receiving several advertisement on the benefits of boosting your experian credit score.  on XX/XX/XXXX, my Experian score drop 23 points due to a faulty system. The system was not able to locate the automatic online payments through my connected financial institute ( XXXX ). The purpose of Experian Boost is to increase the consumer 's credit. I spoke with two Experian Credit Bureau customer service personnels and they collected the information and told me I have to wait 30 days or more to see a change on my credit. My Experian Credit score was 757 because using the Experian 's boost. Today, my score is XXXX. I am currently in the process of purchasing a home and the bureau refuses to fix the problem which is a failure of their faulty system.

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 2020-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My complaint is with XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO XXXX XXXX AZ branch office. Both my checking and VISA accounts were closed at the branch on XX/XX/2020. In XXXX I received a statement which I disregarded because the account was closed the previous month. Then in XXXX I received a letter stating that my XXXX XXXX  credit card was past due. Since then I have been trying to understand what happened. I contacted my branch manager XXXX XXXX who referred me to the Credit Card department. Apparently the Credit Card department is independent from the branch. After some time the Credit Card department told me an auto pay bill was dated XX/XX/XXXX, four days before I closed the account. I thought there must be an error. If there w as a bill pending why didnt the branch tell me that at the time. They didnt so here I am trying to reconcile on XX/XX/XXXX. 
I did reconcile and paid the bill same day. Next, I get a credit bureau change notice from my XXXX XXXX. My credit rating went from XXXX to XXXX because XXXX reported a delinquent account even though the issue was still being resolved, I called the branch manager who referred me to the credit card department who referred me to the collections department who referred me back to the branch manager. At every turn all I wanted to do was speak with the department or person who handles credit bureaus disputes. No luck. Whats fair is the bank should change what they reported. One of those departments told me they couldnt change the report. Im pretty sure they can.

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 2020-05-10 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: OH

Complaint narrative:
XXXX  XXXX XXXX Charged off but I never had a account with XXXX  XXXX XXXX. This account is due to fraud that someone else put in my name that I have no knowledge of. It was removed off of my report due to the Identity Theft but now this account just recently showed up as a charged on my credit report again. I would like this removed immediately. The amount claimed to be charged off is {$4300.00}. The date that this account is reporting to be open was XX/XX/2016

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 2020-05-10 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: FL

Complaint narrative:
My CAPITAL ONE ACCOUNT LAST 4 ARE XXXX and payment was due on XXXX XXXX. I made an electric payment thru XXXX on XX/XX/XXXX. I have used XXXX for over 15 months on this account. They ask to allow 4-5 days for credit to post. It took CAPITAL ONE 8 days to post the " ELECTRIC ACH '' credit. They charged me {$25.00} late fee. I have months upon months of payments with them and NONE OF THEM took 8 days to post. It is obvious they are stalling crediting to increase their profits lost by covid purchases. I called capital one and billpay and neither will accept the fault when I did my part as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/GL reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: Synovus Bank
State: NJ

Complaint narrative:
First Progress Mastercard Each month the bill comes in to be paid, i have been on time with all my monthly payments ... .they are withholding my credit line, to be honest my bank already cleared the funds days ago ... .. 

please help me with this ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I currently have a XXXX XXXX XXXX XXXX with XXXX XXXX, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and XXXX has automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, XXXX, Transunion ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and XXXX had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted XXXX via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!

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 2020-05-10 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: PA

Complaint narrative:
I currently have a credit builder plus loan with XXXX XXXX, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and XXXX has automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, Equifax, XXXX  ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and XXXX had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted XXXX  via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I currently have a XXXX XXXX XXXX XXXX with XXXX XXXX, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and XXXX has automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( Experian, XXXX, XXXX  ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and XXXX had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted XXXX via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!

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 2020-05-10 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: EQUIFAX, INC.
State: OK

Complaint narrative:
My personal information on my Equifax credit report is incorrect, including my name, date of birth, and former addresses. I have filed several disputes to Equifax between XXXX and XXXX both online and by mail and provided all requested materials and documents but the errors still haven't been fixed yet. I also called Equifax several times recently ( XXXX ) and they just asked me to repeat what I have done by sending repeated documents and eventually hung out the phone without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XXXX complaint was previously submitted. In the response by Rushmore, my home was not in foreclosure. I received the response from the CFPB on XX/XX/2020 in which I responded on XX/XX/2020 that the information they provided was not clear on. I did not receive clarification. 

We were given a single point of contact, XXXX XXXX at XXXX. On XX/XX/2020 I telephoned at XXXX XXXX  and left a message for him to phone me. On XX/XX/2020 another message was left at XXXX XXXX  for him to phone me. Then at XXXX XXXX  XX/XX/2020, the postman delivered documents that my home can be sold without going to court. 

The documents delivered today were dated XX/XX/2020 and were delivered AFTER my attempts to get details to get this mortgage situation resolved. 

I am XXXX  XXXX and suffer from XXXX XXXX along with several other ailments. Any type of XXXX  causes my XXXX XXXX  to XXXX  which then causes me to have to seek medical attention. This company is going to cause me to end up in the hospital for their lack of co operation and continued threats of foreclosure and refusal to accept our money. If they had accepted the money we have been attempting to pay them this would be cleared up by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I need to lift a freeze with Equifax. I am unable to sign in on online. When I call, I only get an automated message, I can not talk to a live person, the info I provided does not work and phone is terminated. I need to lift the freeze, I have no way of doing it, as I can not speak to a person. My email and XXXX message have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: CT

Complaint narrative:
I moved into an apartment complex called XXXX  XXXX  XXXX  XXXX in XX/XX/XXXX. When I moved out in XX/XX/XXXX, I paid off everything I owed to them, including utilities and whatever else I owed. In XX/XX/XXXX, I started receiving pre-collection notices in which threatened they were going to take further legal action if I don't pay. I was very confused by this since I paid everything off in XXXX and wasn't living there anymore. Why was I getting these emails in XXXX? So I called the office at the XXXX  numerous times and they offered no assistance, all they said were these are charges from XXXX. But I paid everything off in XXXX, to the manager. I tried to contact the debt collector and the same thing happened ; no responses. After a little while, a collection account popped up on my credit report. I'm not sure why this happened. I believe It was something personal because I seriously did nothing wrong. Im just a college student. This " {$110.00} '' is jeopardizing everything for 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 explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Hello, I had a collection account with Convergent regarding a XXXX phone bill. They made an offer on the online account they had for me, and I paid the amount that was due. The debt that was owed is still showing on my credit, and the company is still asking me to pay for more money on their online account. I am asking Convergent to update that I no longer have a balance as it is illegal to not update that I have paid my balance ; therefore, showing inaccurate information to the credit bureau. 

Thank you.

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/XXXX reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the  CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/XXXX reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens Loan takes my escrow money out of my account, but the check never gets to my insurance company. I pay my insurance for the 2nd time and fight with the company to be put back in my account. They took the money from my account on XX/XX/XXXX, and while they admit the check was never cashed, it is XX/XX/XXXX and it is not back in my account, and my multiple requests that they reimburse me directly, as I have paid my insurance is ignored. I have requested they delete the escrow account because they have never managed to pay on time and force me to do this every year, for taxes and insurance. I have not been successful. I would deeply appreciate your help. It doesn't seem legal that they can take my money, not provide interest on it and keep it for months and refuse to pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: NY

Complaint narrative:
I have 4 collections on my account that dont belong to me. I enclosed the accounts as an attachement. I never had any of these accounts and this company says i must pay and I started to get threats. They called my family homes saying they were a private investigator. Its too much trama I lost my mother and grandmother 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