vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
I have an auto loan originally with Nissan that has now been charged off and closed for {$15000.00}. I contacted XXXX  XXXX  and spoke with a manager name XXXX and I had Nissan loss recovery rep on the line as well within this conference call. I told XXXX  manager that I want them to delete my financial information originally I gave them as a payment agreement that I set up initially a day prior to get this debt resolved and to have credit updated ultimately in the end. Upon me finding out that XXXX  doesnt do credit reporting., I then preceded to tell them to cease and desist calling me and send account back over to Nissan for me to work directly with them because they are the original creditor and who I actually owe. I tried to make arraignments originally with Nissan in the past but I wasnt able at that time due to covid illness and no longer working. I and the Nissan rep was told by XXXX  supervisor XXXX that they ceased the calling and communication on the account and that it depends on when Nissan pull the account back which they never will, and later finding she was somewhat lying. She also did not verify with me o. That call specifically if they deleted my financial information of my debit card that I had given them. After getting off that call the Nissan rep confirmed and verified with me that Nissan have closed the account and charged it off after reselling the vehicle and no longer proceeded with collection efforts and that XXXX bought the debt from Nissan as a third party collection. She also stated to me that if XXXX  doesnt collect on debt that they would in turn sell the debt to another debt collection agency because Nissan is no longer involved and credit reporting may not even be updated even after payments made to third party collection agency because Nissan no longer report to credit bureau after account closure, write-off and debt selling of which I would incur problem with credit updating in the future.ed with this account by letting me know ultimately where I stand with Nissan directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
I have a new loan with Loan Depot and have had two payments withdrawn from my checking account this month resulting in overdrafts. Customer service has been completely unhelpful as I have attempted to have one of the payments refunded. I had set up automatic payments to go out on the XXXX and has verbal confirmation that was in place. A payment went out on XX/XX/XXXX. I called to complain and confirmed the XXXX as the date for withdrawal, beginning in XXXX and told that would happen. On the XXXX XXXX ANOTHER payment was taken from my checking account. I called to complain again and asked for a refund ASAP but nothing has happened yet. I am again overdrawn on my checking account and have made two unexpectedly timed payments this month. My processing team has made inquiries to the servicing branch in NJ and has had idiotic responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the collection was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$100.00} CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$53.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
SN SERVICING CORPORATION IS NEGLIGENT AND INCOMPETENT AND FAILED TO COMMUNICATE AND FAILED TO PAY MY HOME INSURANCE. THEIR SERVICE IS HORRIBLE AND PUT MENTAL STRESS ON MY WELL BEING. 

THERE IS A LACK OF COMMUNICATION AND RESPONSIBILITY ON THEIR PART, I ALWAYS HAVE TO TAKE THE INITIATIVE TO HAVE THINGS DONE WITH THIS HORRIBLE LOAN SERVICING COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on SCHOOLSFIRST. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
When i first moved out i was told i could pay the bill online with any card. I get the bill and call the office shortly after to notify that my account is not active. The employee told me that most accounts do not close immediately, mine was acting weird. So the employee tells me that one of the managers of something ( could be technology or business ) would fix my account so i could pay the bill online. I give it about a week or two and try to login again, but to no avail i could not login. I get no phone call notifying me that the employees did their job. I call again and they said that the last person had given me false information because once an account closes they can not open it again. Why would someone tell me i could pay the bill online if that wasnt true to begin with? I digress, the person on the phone then tells me I have two options : the first being send a money order in. The second being to come in with a card and i could pay it this way. I work full time so coming in wasnt an option until today. So I come in today and the person working informs me that everything I was told prior to today was not correct and THE ONLY WAY I COULD PAY IS BY COMING IN WITH A MONEY ORDER not online with a card, not in person with a card, and not through mail with a money order. Then I call a week before it was due and the same employee I first talked to answered. I tell the employee ( XXXX ) my situation and he said he doesn't know why any of the employees gave me the information I received, when he was one of those employees. The company is XXXX XXXX XXXX. Look up reviews on the management and employees theyre known to be horrible. I emailed the company an email similar to this that expressed more frustration but no response. I would provide documentation but apparently my account doesnt exist, and all my encounters happened via phone call or in person. 
P.S I'm rereading some of the reviews on the complex and it seems as if XXXX isn't the greatest of managers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 
ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) -XXXX-Balance {$290.00} ENHANCED RECOVERY CO L XXXX Original Creditor : XXXX XXXX XXXX -XXXX-Balance {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AMERICAN HONDA FINANCE. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : 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 2021-10-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I completed 18 partial payments of 18 Forbearance months due to hardship still there is a balance of {$19000.00} My monthly Payment {$2400.00} Lender won't allow me to continue with my monthly payments until ; The balance of XXXX +is paid in full They demand a lump sum or to pay it in XXXX to 6 months, insane Plus the current monthly payment I tried to pay TODAY XXXX and can not do it I have filed for the assistance they insist on me to give them the keys and walk out The want to steal my house Highly predatory behavior I never late on my payments always on time the payment history doesn't lie if they don't take my payment they will ruin my credit If they give me 18 months to pay the forbearance i will do it They refused to help This is criminal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I became fully XXXX in 2018. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified Navient of the situation. I applied for XXXX XXXX XXXX XXXX XXXX. For some reason unknown to me, the application for XXXX never went thru. Navient continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to XXXX XXXX XXXX XXXX. When the credit bureaus contact Navient, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from Navient and from the Department of Education!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation