vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : XXXX XXXX loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer XXXX transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with XXXX and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to XXXX for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that XXXX has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her XXXX XXXX as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS. 

Please help us, 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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Delta Management Associates, Inc.
State: PA

Complaint narrative:
i paid delta management for a collection from XXXX XXXX an they did not report it to XXXX XXXX  so now my score has been impacted???

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 2021-06-13 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: CO

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureaus requesting that the information regarding the charge-off balance be REMOVED along with the monthly reporting. Also the debt is past the " statue of Limitations '' for credit reporting. Nothing has been done nor have they responded to my request. They are in violation of my rights to fair reporting ( fcra ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mortgage has been in forbearance since XXXX of XXXX due to Covid and losing my job. 

I have done some research and have become aware of Regulatory Requirements that have been violated. 

On XX/XX/XXXX I received a letter from the bank ( Wells Fargo ) to call them due to the forbearance coming to an end in XXXX. So on XX/XX/XXXX I called the bank and spoke to a woman who went through options with me and gave me new guidelines and told me that I was approved for a Modification and told me what my new mortgage payment would be and what my new interest rate would be, she told me that I would be getting some paper work in the mail within 2 weeks and that they needed to be signed, notarized and returned to the bank ASAP. These items never arrived on XX/XX/XXXX I called the bank there were no answers for me ... I continued to call 2 x a week until my complaint was escalated to a home preservation manager named XXXX she informed me that somehow along the process that someone dropped the ball and never followed up and that my Title was never sent out to check to make sure I had a clear title and that she was going to handle this matter, she was very good at keeping in touch with me for about 3 days and then nothing again it has now been 3 weeks and once again I have heard nothing, XXXX stated that the title search should be within a week and that I would hear from the bank but NOTHING!! I have now called the Mortgage dept. numerous times, left many messages, been hung up on, disconnected from calls ... ..I am completely feed up and afraid that my mortgage will fall into foreclosure, this is not how a Bank should handle these kinds of matters.

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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing this complaint in reference to Wells Fargo Dealer Services for destroying my credit worthiness by adding late payments to my report for a car that wasnt in my possession. I have provided proof in the form of a signed notarized letter from the individual and I, who had been in charge of the payments for when these late payments accrued back in XXXX, XXXX, XXXX, and XXXX of XX/XX/XXXX-XX/XX/XXXXThis has affected me mentally because I have been denied credit in the form of housing, getting denied credit cards, and other credit worthy items. This account was transferred to the individual which i spoke to Wells Fargo Dealer Services about on numerous occasions but the individual didnt want to transfer it for unknown reasons. I would like this resolved by getting all the late payments removed from my credit report ASAP because the Notarized Letter has the exact date of when it went into effect and when the late payments occurred, and you can see that I wasnt at fault for the late payments.

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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2014, I filed paperwork for a bankruptcy. The bankruptcy was dismissed because I changed my mind and didnt pay the court cost for it to be official filed. I never went to court, turned in any additional information, or paid a fee. The bankruptcy is being erroneously reported by all three credit bureaus. I have disputed this many times. The wording was updated with one of the credit bureaus, changed from XXXX to dismissed, but the bankruptcy was never removed. I have disputed this about 5 times. I believe the credit bureaus are improperly investigating this matter correctly resulting in a negative impact on my credit. I am requesting this information be removed from my credit history. Again, I did file initial papers to the court, but changed my mind and did not go through with the bankruptcy and paid off creditors. 

I would also like to request that all creditors who requested my credit in the past 60 days, are notified and provided an updated report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
A dispute was submitted on XX/XX/2021 ; ( 1 ) requested deletion of incorrect name spelling and usage on file. ( 2 ) Information relating to the status of bank accounts is incorrectly listed and an attempt to fix the information was denied, ( 3 ) a debt collector claims to have ownership of an account but can not provide ownership of the account or a contract that we entered into a contract or a contract they purchased said account. A request was made for the information to be deleted because debt collector could not supply proof of ownership or contract information requested. Experian refuses to remove or investigate the above disputes.

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 2021-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX " NATIONAL CREDIT SYSTEMS INC '' began to report a {$8500.00} collection account to my credit report. The original account is an apartment complex named " XXXX XXXX  ''. I have never lived at this apartment complex and this account is a result of identity theft. I have made a police report with my local police department as well as filled out an FTC Identity theft report and sent it in to " NATIONAL CREDIT SYSTEMS INC '' and they refuse to stop reporting this account to the credit bureaus! This is a violation of the Fair Credit Reporting Act. They should not be reporting this account to the credit bureaus after receiving my police report. I sent the Police Report in XX/XX/XXXX last, but have sent it multiple times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHER COLLECTION SERVICES INC has been reporting a collection account to the credit bureaus for over a year now that is fraudulent! I have made a police report with my local police department, filed a report with the FTC and sent all these documents into AMSHER COLLECTION SERVICES INC and they continue to report this account to the credit bureaus. They are in violation of the Fair Credit Reporting Act. They don't care that I am a victim of Identity Theft and have sent them proof!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been challenging this negative account for a year. On XX/XX/XXXX I sent in a dispute asking for an investigation in reference to the account after 45 days. I received a copy of the credit report that the account was verified as accurate. After reading the laws there was no way they did an investigation and the account was reporting accurate. So, I sent in another letter in XX/XX/XXXX disputing the Date Last Activity which is reporting inaccurate and erroneous information XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, Date Last Activity came back verified. I disputed the High Balance XXXX  {$4700.00}, XXXX  {$0.00}, XXXX  {$4700.00}. this came back verified. I disputed the last payment XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. this came back verified. the Credit limit was disputed XXXX  {$4000.00}. XXXX  {$4000.00} and XXXX  -. The Account close date XX/XX/XXXX per XXXX  and XXXX  and XXXX  not reporting a close date but still reporting CO in the 2year payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2014, I filed paperwork for a bankruptcy. The bankruptcy was dismissed because I changed my mind and didnt pay the court cost for it to be official filed. I never went to court, turned in any additional information, or paid a fee. The bankruptcy is being erroneously reported by all three credit bureaus. I have disputed this many times. The wording was updated with one of the credit bureaus, changed from XXXX to dismissed, but the bankruptcy was never removed. I have disputed this about 5 times. I believe the credit bureaus are improperly investigating this matter correctly resulting in a negative impact on my credit. I am requesting this information be removed from my credit history. Again, I did file initial papers to the court, but changed my mind and did not go through with the bankruptcy and paid off creditors. 

I would also like to request that all creditors who requested my credit in the past 60 days, are notified and provided an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2014, I filed paperwork for a bankruptcy. The bankruptcy was dismissed because I changed my mind and didnt pay the court cost for it to be official filed. I never went to court, turned in any additional information, or paid a fee. The bankruptcy is being erroneously reported by all three credit bureaus. I have disputed this many times. The wording was updated with one of the credit bureaus, changed from discharged to dismissed, but the bankruptcy was never removed. I have disputed this about 5 times. I believe the credit bureaus are improperly investigating this matter correctly resulting in a negative impact on my credit. I am requesting this information be removed from my credit history. Again, I did file initial papers to the court, but changed my mind and did not go through with the bankruptcy and paid off creditors. 

I would also like to request that all creditors who requested my credit in the past 60 days, are notified and provided an updated report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America did a credit inquiry on XX/XX/2021. I did not authorize this. I do not have an account or credit with them. I did not apply for a credit card with them. The inquiry impacted my XXXX credit score and dropped my points because of the inquiry.

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 2021-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021, I received an email from Synchrony Bank, with the subject Your PayPal Mastercard Statement from Synchrony Bank is Available Online stating that my statement was ready for review. I wanted to check the account balance and make changes to my monthly payments, when I clicked on the link in the email, it directed me to my PayPal account, and nowhere on that site I could find my credit card statement or account information on PayPal Cashback Mastercard issued by Synchrony bank. 
On XX/XX/2021, I called the number on the back of the card : XXXX to find out why I can not access my credit card statement and information. I was greeted with a menu and a request to enter my credit card number. It informed me of my account balance and of the payment made. I requested a live customer service agent, who could not help me and sent me to another agent who also could not help me, and that agent sent me to another who could not help me. I was going around in circles, on a loop with customer service people who could not answer my question or help me. I was then sent back to the initial menu. I called back and the same loop process began. I called and complained about not receiving a proper answer to my request, and the customer service agent hung up on me. 
On XX/XX/2021, I contacted PayPal online on its robot customer service to request access to my credit card statement and information. I talked with a chat robot which did not resolve my issue. 
My last access to my account was via Synchrony bank, in XX/XX/2021 or before that ( but I am not sure of the exact date ), when I was able to set auto-pay for the minimum payment due. 
Both Synchrony and PayPal are in direct violation of clause 14 of their CARDHOLDER AGREEMENT PAYPAL CASH MASTERCARD : " 14. Right to Receipts and Periodic Statements. You should get a receipt at the time you make a transaction with the Card. You have the right to receive an account statement showing your PayPal activity, including a record of transactions made using the Card. You may view your PayPal statement by logging into your PayPal account at https : //www.paypal.com/us/signin. ''

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 2021-06-13 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This account has been paid for month. They mark it as paid but the balance is still XXXX. It needs to be XXXX and removed from my credit report as agreed.

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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2020, a collection item for {$2100.00} from a company, XXXX XXXX XXXX, appeared on my TransUnion credit report. I contacted both TransUnion and XXXX XXXX XXXX to get details of the collection item, but neither would provide any substantiating proof that this is related to me. Somewhere it indicated that the issue may be related to my XXXX accounts, but I checked with XXXX and all my accounts are current and no outstanding issues. 

Other reporting agencies do not show this item. 

TransUnion put a remark on the report that the issues is disputed by the consumer, but since it meets FCRA requirements they're not removing it. 

XXXX XXXX XXXX never responded to my request. 

I don't know who else to ask for assistance. Not sure hiring a lawyer is a correct course of action since the disputed amount is relatively small. 

I would appreciate if you can provide any assistance or course action that I can pursue to remove this item from my report. 

Sincerely, 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 2021-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with a representative XXXX at American Credit Acceptance. She assured me I wouldn't get reported late to my creditors and would document a hold for sometime so I wouldn't get a late payments on my credit report. Even with the momentary pause I still made payments, before the due date. Originally I had a pause on the account because of income loss due to covid, but XX/XX/XXXX is showing on my report. 
Now, I have months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX marked as late on my report. I paid each of those months and tried to speak with credit American Credit Acceptance and I'm getting told I will be contacted and I never do. The company has completely stonewalled me. When I've called to try and get my issues resolved I'm being put on hold for hours. These 4 payments should not be reported on my credit report as late. American Credit Acceptance has completely ruined my credit and they have a chance to make things right but instead prefer to give me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: DC

Complaint narrative:
This account attached has been paid for months. The status has been updated on XXXX and XXXX but not equifax. The company agreed to remove once paid and it is not even showing paid. I would like for this to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
file number XXXX on XXXX i submitted a complaint on this inaccurate amount comenity bank alleges i charged on this account in the amount of XXXX this information is reporting twice on my credit reports first by comenity bank and second by XXXX XXXX, it has been 30 days since this action was taken EFFECTIVE IMMEDIATLEY I AM DEMANDING THAT BOTH THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORTS FOR IN ACCURATE INFORMATION, AND BY NOT COMPLING WITHIN THE RESPONSE TIME OF 30 DAYS BY LAW! PLEASE DELETE THIS INFORMATION AT ONCE. 
THANK YOU.

Company response to consumer: Closed with explanation