vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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: ID Analytics, Inc.
State: IN

Complaint narrative:
I applied for a XXXX XXXX credit card through XXXX XXXX XXXX   and I was denied from SageStream LLC saying my credit score was 300 points lower than the actual score. They said they have their own system and its always 200-400 off. This is a scam for them to get my personal information and I'm extremely upset! I do not have a low credit score and they should be shut down for falsifying my information. This is wrong!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I had made a non-typical student loan payment via " phone '' in XX/XX/XXXX. Apparently, what I had discovered was that my original phone payment transaction did not properly post to my student loan account. The transaction did NOT post for lack of funds in my bank account but rather an error on the creditor 's part. Eventually, I was told by an XXXX representative, the debit card did not process correctly due to possible transposed digits It was listed in the XXXX system as, Per Debit Split Card Not in Network. 
In turn, per XXXX 's policy, they do not make any immediate attempts via phone or email to notify their barrowers that the payment transaction did not properly post because of such a transaction error. XXXX never made any immediate attempt to notify me that there was an error on the card payment but rather let this error sit and stagnate. 
With today 's technology, it's interesting how such immediate notifications via text, phone and borrower 's personal emails are so readily available for such issues that XXXX still remains to rely so heavily on their XXXX website inbox and/or U.SXXXX mail. 
On XX/XX/XXXX, I then made the second transaction of {$15.00} plus my regular monthly payment of {$46.00} to correct their card payment error. 
At the time, I stated to the XXXX representative being a long-time borrower ( XX/XX/XXXX ) that my only concern was that this error does not negatively impact my credit rating. 
The rep assuring me that any negative reporting would not happen. 
The end result was that XXXX reported a 30-day late payment to all the three credit bureaus. 
I have the enclosed my dispute document that I sent to XXXX XXXX XXXX XX/XX/XXXX for your review. 
Thank you, 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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Response to Equifax Dispute CREDIT FILE : XX/XX/2020. 
I discovered that I have two different credit reports that were created for me : one for my government name and another credit report for my nickname ( the name I go by and sign my name as ) both using my same social security number. Ive been having issues where sometimes the wrong credit report is being pulled where it says I only have 2 closed accounts and not enough credit to have a FICO score. Equifax should only be pulling the credit report where I currently have a XXXX FICO score with 7 open credit accounts. I recently requested, in separate letters with copies of my driver 's license and social security card, with XXXX and Equifax to have all of my information on one credit report. XXXX was easily able to fulfill this request by combining the information on the reports to only have one credit report, but Equifax is choosing to leave it this way by responding : We are unable to combine your multiple credit files due to amount of data in each. This is ridiculous and unacceptable. I SHOULD NOT HAVE TWO DIFFERENT EQUIFAX CREDIT REPORTS USING THE SAME SOCIAL SECURITY NUMBER! ALL MY INFORMATION SHOULD BE ON ONE CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I am submitting this complaint against PHH mortgage because, based on their history of refusing to communicate with me and sending correspondence to the wrong address I feel this may be the only way I can get information. I have also submitted notices of error to PHH with these concerns and a printout from my bank of all cashiers checks issued to PHH and the dates they cleared my bank. I recently discovered that PHH has applied only two of the payments I have made since XX/XX/2019 to my account. All of these payments have been made with cashiers checks so money has already been taken from my account, however only two of those checks have cleared my bank. None of the checks have been returned to me so as of today almost {$15000.00} of my money is missing. According to the information I have obtained from PHH my account balance has increased by almost XXXX since I signed a modification agreement in XXXX oXXXX XXXX. I believe this is because my payments have not been credited to my account and fees were improperly added to my account because of this. PHH recently began foreclosure proceedings because of a series of their own errors and because of that I was forced to apply for a new modification to stop the foreclosure. This new modification is based on the inaccurate account balance that has been determined based on their failure to properly apply my payments. 
I would like all of those payments immediately credited to my account or returned to me. Once the payments have been properly applied and fees added to my account because of PHHs errors removed, I believe I should be offered a new, affordable modification based on accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Re : Winn Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel:XXXX  XXXX XXXX I filed a Chapter XXXX for the arrears of my house to help pay it off and didn't know it included my credit cards. I continued paying my credit card because I didn't know I had XXXX balance as charged-off. The last credit of my payment was XX/XX/XXXX, but I paid another one on  XX/XX/XXXX. Last year a XXXX XXXX XXXX from company Winn Law Group sent me a letter stating they bought the account and was charging me {$740.00}. I replied numerous times by email, mail, fax explaining that they were my XXXX payment was not credited and they are missing the XX/XX/XXXX statement that should show my additional payment. I even sent the bank statement that contained the payment history for XXXX. I was requesting for them to credit my payments and adjust the charge accordingly. Their response email states they received my request but they can't entertain but only through phones. I called and left messages more than these that I remember but they just tell me they will call me back but never did. 
XX/XX/XXXX, XXXX email XX/XX/XXXX, XXXX email telephone call left a message- XX/XX/XXXX Faxed documents XX/XX/XXXX Talked to XXXX on XX/XX/XXXX In XX/XX/XXXX, I became jobless because of the coronavirus state orders. As so, I continued to request to adjust the charge sending them the payment evidence and due to financial difficulty at the pandemic time, I was asking for a payment plan. They responded with a Civil Suit Summon from the XXXX XXXX. I tried to go the court to help me with how to fill up the reply form but no department nor attorneys would help me for a {$750.00} collection case. I am in such financial difficulty I can not afford to spend to court and attorney fees so please help me settle this with this company. I have spent a lot of time trying to contact them and this pandemic and this job insecurities drive me to XXXX with an added lawsuit. Please ask the company to withdraw the lawsuit and just communicate with me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Medicredit has been abusive and unfair in there debt collection practices for the account that was assigned to them by XXXX XXXX XXXX XXXX. I have been trying to resolve this problem for over 8 months, but this company has been uncooperative and deceptive. Recently, they decided to increase the balance on my credit report by reporting a balance owed on XX/XX/2020 of {$1500.00}, which is a 100 % increase of the original balance of {$750.00}. There was no explanation, no correspondence or proper notification of this balance increase. 

The problem? This account was paid in full to XXXX XXXX XXXX  on XX/XX/2020, of which I am attaching proof to this complaint. Frankly, I am beyond frustrated, as this was the last straw of the the damage I will allow medicredit to continue to perpetrate to my credit score. I have advised them on several occasions of my dispute of there credit reporting, based on the fact that I never received the first dunning notice as required by the FDCPA. Should I have received this notice, I would have exercised my rights to pay this debt or dispute it within the first 30 days, thus preventing any credit reporting from ever happening. 

Eventually, I contacted the billing manager of XXXX XXXX XXXX and paid the bill. Why is Medicredit still reporting a balance, and even worse, an increased balance? Is this in retaliation to me paying medicredit directly? This is just gross negligence and willfull intent to damage me. They have violated several consumer protection laws, willfully - and continue to injure me long after the debt has been resolved in full by reporting not just a balance, but an increased balance!

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 2020-07-23 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: NY

Complaint narrative:
My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that XXXX XXXX performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally.

1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report.

2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 3. The balance reported is incorrect and inconsistent. The account has not been active since. 
If this account is not reporting 100 % accurate, I request deletion immediately.

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 2020-07-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) 60 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.

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 2020-07-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for a PPP for my business in XX/XX/XXXX and provide all documents. Sent information to XXXX XXXX and others with the PPP of XXXX XXXX XXXX I kept asking about the status of my loan. My cares XXXX and loan number of XXXX I spoke to XXXX and they said I was approved. My loan was getting processed. I just missed out on my XXXX XXXX government contract because of XXXX XXXX XXXX  dropped the ball. they left me a message at XXXX XXXX on XX/XX/XXXX telling me to reapply.

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 2020-07-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 90 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I  made my payment to you when I received my statements

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
ARS is a debt collection company that claims I owe {$460.00} for an unknown medical debt. They say XXXX XXXX XXXX is a billing agency for XXXX XXXX   hospitals in XXXX ohio. While I have contacted BOTH places, the debt ARS claims does not exist to the original billing company. This collection has been in constant dispute. Further damaging my credit with their constant reporting to all three credit bureaus. I believe that a medical debt completely unknown to me was sold to this agency for pennies, and is over 5 years old at this point.

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 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a request to Chase to closing my Total Checking account. My account was in good standing, with a positive balance. 

On XX/XX/XXXX, Chase responded and refused to close my account, and required onerous restrictions to close it -- while keeping it in a state that would accrue fees ; they even suggested that it would not be possible to close my account except by physically visiting a branch in the middle of a pandemic, while we're legally required to shelter in place. 

On XX/XX/XXXX, I responded again with a signed request and affirmation to close my account. They ignored my request and repeated the same form letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23 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: LA

Complaint narrative:
I found an error on my report from my account with XXXX XXXX   stating that Ive missed a payment for XX/XX/2020. XXXX XXXX has deferred my loan from XX/XX/2020 to XX/XX/2020 due to Covid-19. I was told that I can still make payments towards Escrow during any time of that particular month. My Escrow payment isn't required but should not report as a late payment ( especially if it was paid during XX/XX/2020 ). I've emailed XXXX XXXX twice on XX/XX/XXXX and XX/XX/XXXX for clarity but they will not answer my questions but only respond to me when I'm submitting a payment. 

I've also submitted proof of payment and proof of mortgage deferment to the credit bureaus to remove the error and in return, XXXX XXXX   has verified the late payment as accurate AND listed a personal statement on my behalf ( without my permission ) to my credit report that reads " I am unable to make timely payments due to the impact on my job/wages as a result of the Covid 19 pandemic. XXXX XXXX   XXXX XXXX XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: LA

Complaint narrative:
I found an error on my report from my account with XXXX XXXX   stating that Ive missed a payment for XX/XX/2020. XXXX XXXX  has deferred my loan from XX/XX/2020 to XX/XX/2020 due to Covid-19. I was told that I can still make payments towards Escrow during any time of that particular month. My Escrow payment isn't required but should not report as a late payment ( especially if it was paid during XX/XX/2020 ). I've emailed XXXX XXXX  twice on XX/XX/XXXX and XX/XX/XXXX for clarity but they will not answer my questions but only respond to me when I'm submitting a payment. 

I've also submitted proof of payment and proof of mortgage deferment to the credit bureaus to remove the error and in return, XXXX XXXX   has verified the late payment as accurate AND listed a personal statement on my behalf ( without my permission ) to my credit report that reads " I am unable to make timely payments due to the impact on my job/wages as a result of the Covid 19 pandemic. XXXX XXXX   XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: LA

Complaint narrative:
I found an error on my report from my account with XXXX XXXX  stating that Ive missed a payment for XX/XX/2020. XXXX XXXX  has deferred my loan from XX/XX/2020 to XX/XX/2020 due to Covid-19. I was told that I can still make payments towards Escrow during any time of that particular month. My Escrow payment isn't required but should not report as a late payment ( especially if it was paid during XX/XX/2020 ). I've emailed XXXX XXXX  twice on XX/XX/XXXX and XX/XX/XXXX for clarity but they will not answer my questions but only respond to me when I'm submitting a payment. 

I've also submitted proof of payment and proof of mortgage deferment to the credit bureaus to remove the error and in return, XXXX XXXX  has verified the late payment as accurate AND listed a personal statement on my behalf ( without my permission ) to my credit report that reads " I am unable to make timely payments due to the impact on my job/wages as a result of the Covid 19 pandemic. XXXX XXXX  & XXXX XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: OK

Complaint narrative:
I opened a credit card with XXXX XXXX on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from XXXX showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get XXXX to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to XXXX until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like XXXX to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.

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