vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 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: WA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: WA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2020-03-26 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: FORD MOTOR CREDIT CO.
State: AR

Complaint narrative:
I have been a Ford Motor Credit ( Account # XXXX ) customer since 2018 and during that time, I have enjoyed my experience with Ford Motor Credit greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX college student without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that Ford Motor Credit is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Ford Motor Credit. With  todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Ford Motor Credit has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Ford Motor Credit is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I received a call from XXXX on XXXX at XXXX from a lady who was beyond rude to me and over powering in regards to a payment that I've been unaware of. Upon her demanding a payment from me i explained how this nation is on a state of emergency due to Covid-19 and i am out of work so i can't pay today. However instead of giving me payment options she over talked me. From that point i asked to speak to the supervisor! A guy named i believe XXXX got on the line and I explained to him the situation thinking hell be more helpful but it was worse. I told him i want to discuss my options and he gets real loud and combative with me i responded " excuse me sir but as a costumer or a civil human being your not going to raise your voice at me nor talk to me like I'm a kid ''. This supervisor then states " your not my costumer and okay if your not a kid then listen ''. His rude remarks left me no choice but to thank him for the phone call and i let him know I will be taking further action. I reached out to my friend about this business to get more information and see how to file a complaint. She told me this will be the best route. To ensure the accuracy of mt statement i recalled the number and ask the male representative that picked up if i can have the names of the people i spoke with. He couldn't find me by my first and last name and told me i got two options, " Give me your social or I'm hanging up this call ''. I said well i don't feel comfortable giving my social but if i have to however can i have your name so i know whom I am talking to. He bypass that question and asks for my social once more and because i wanted his name he hung up in my face. I am unsure how to go about this situation and hope this review could lead me to accurate results.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: NC

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe that I had may my payment to you when I received my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
I was previously delinquent on my mortgage with XXXX XXXX mortgage company. 
I entered a loan modification agreement with XXXX XXXX and made all 4 on-time trial payments from XX/XX/XXXX to 1XX/XX/XXXX. I made an on-time payment in XX/XX/XXXX as well. On XX/XX/XXXX the mortgage servicer was changed to Midland Mortgage and I have continued making on-time payments to Midland Mortgage. I have called Midland Mortgage each month to make a payment and ask them if they have my loan modification paperwork. Midland says that they have received my payments and that they have not yet processed my loan modification paperwork. It has been over 60 days since Midland Mortgage has begun servicing my mortgage. The current Midland Mortgage Statement says that the amount due as of XX/XX/XXXX is {$8600.00}. There are {$6700.00} in overdue payments and {$730.00} in fees and charges. My loan modification says that my monthly payment should be {$750.00} principal and interest as of XX/XX/XXXX. The principal and interest on the Midland Mortgage statement shows {$860.00} which is {$100.00} than I should be charged. I am paying what they ask because I don't want them to take my house. I am also concerned about delinquent payments showing on my statement when I should be starting fresh with only my agreed loan modification payments on my statement and no late fees or previous past due payments. I would like to complain against both Midland Mortgage and XXXX XXXX and request that this situation be fixed immediately. I kept all documentation which includes the current Midland Mortgage Statement, a payment history from XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, a good-bye letter from XXXX XXXX showing that the servicer changed to Midland Mortgage on XX/XX/XXXX and the signed & notarized loan modification agreement.

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 2020-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Back in late XX/XX/XXXX my mother had a situation which caused her to become XXXX and not able to leave her home. I left my job and moved in with her in order to help her which turned my life upside down. I had a local nonprofit help me gather all documentation ( Fax, Confirmation, Separation letter, Social Security Confirmation Letter, Letter from former employer, etc. ) and fax it to Navient. I received a fax confirmation from the nonprofit for me records, but in XX/XX/XXXX I received a report that my credit score had dropped due to 10 missed payments being added to my credit report. I filed a dispute with the Credit Bureaus and Navient to have the information removed but they verified the late payments as accurate when they lost my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: IL

Complaint narrative:
I have filed a compliant about credit bureau equifax. When I did they dropped my credit score by more than 25 points and nothing has changed since last score received from them. The same accounts are on my report and nothing has changed for them. They updated accounts that have been according to last report been closed. I disputed info on my report that I did not authorize nor had any knowledge about. Now they have updated accounts that I had no knowledge of and refused to properly investigate items and accounts are closed. Can some one help me. Unauthorized inquiries from XXXX/XXXX, XXXX XXXX and XXXX XXXX. This is very sad that consumer reporting agency would instead of investigating inaccurate info they are further victimizing people. Can someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, My husband I were shopping for new kitchen appliances. We ended up going to a warehouse where they sold appliances that had dents or scratches and would be sold to us at a discount. We found appliances we liked, filled out their " questionnaire '' for the line of credit and was approved. I was given a {$5000.00} line of credit based on my income ; whereas my credit would not be pulled or affected. My checking account information was given whereas my payment would come out every 2 weeks when I was paid. I spent {$4100.00} and agreed to pay {$340.00} every 2 weeks until it was paid off. 

On XX/XX/XXXX, I logged into my account ( for what I believe was the first time ) since I knew the loan was close to being paid off. Expecting only 1 or 2 payments left - I nearly had a heart attack when I saw I still owed more XXXX XXXX+tax!!! 

After digging deeper into the contract, I saw this was apparently a " 1-yr lease '' or " rent to buy '' which I was NOT AWARE OF. When I applied for the line of credit, and chose what to purchase, I was told what my payments would be, and when they would come out of my checking account ... THAT'S ALL! I did not know this is what I was signing up for. Furthermore, when I signed ( on the employees computer ) and made my {$50.00} deposit, I was not even given any disclosures or the contract - but instead was told that it would be emailed to me. In hindsight, the employee 's sales practices were aggressive and shady, and the whole process was utterly deceptive. 

On the same day XXXX XX/XX/XXXX XXXX, after finding all this out, I reached out to the creditor to explain the situation and spoke to ( 2 ) different agents and was basically told they couldn't do anything for me. All they offered was the payoff amount XXXX $ XXXX+tax XXXX at a 55 % discounted rate. 

I will disclose, the employee of the facility did mention trying to pay this off by XX/XX/XXXX for interest free - but that was all he said. I HAD NO IDEA this was a 1 year " rent '' obligation. I feel stupid and I feel cheated, and this is exactly why TILA was put into effect. 

I would like to pay off the loan - but I refuse to pay what they are offering seeing as it's completely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In mid 2019 I became aware that XXXX XXXX  was trying to collect a debt from me in the amount of {$3200.00}, however the debt is a result of identity theft and I sent them a debt validation letter and tried disputing the debt with them as soon as I was aware of it. I have also filed a police report regarding the identity theft/debt and have provided a copy to them. XXXX XXXX is currently trying to sue me in court for the full amount of {$3200.00} plus court costs. They have reported these fraud debts to the credit bureaus and they remain the only negative item on my credit reports, because I've always paid my credit cards in full every month for as long as I've had credit cards. This has stopped me from being able to purchase a home and has been negatively affecting my life. I have tried speaking to them and they continue to try collecting on this fraud debt and refuse to remove these lies from my credit report. They have not even provided me with a copy of the original contract when I requested it, and the only thing they can show me is some statements with a wrong address. I wouldn't be surprised if they were the ones who opened a fraud debt in my name and this is all part of some huge legal scam. I will be speaking with an attorney to see if I can counter sue for anything and everything if they do not dismiss this lawsuit.

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 2020-03-26 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: MI

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
To Whom This May Concern : on XXXX XXXX I asked my mortgage company '' could i get an extension on my mortgage payment, because i was laid off due to the convid-19 virus. And I wanted to make sure that I wouldn't get reported to the credit bureau as a thirty day late payment. I was told that " all thirty day late payments are reported to the credit bureau and their 're no exception! At this time i have no income and not sure when i will be returning back to work, so I'm concern about my loosing my home, as well as " bad credit rating!.

Company response to consumer: Closed with explanation