vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: CO

Complaint narrative:
AFTER CHECKING MY OTHER CREDIT REPORTS IT LOOKS LIKE XXXX XXXX DEALER SERVICES HAS REPORTED ME AS BEING 30 DAYS LATE ON MY CAR PAYMENT FOR THE MONTH OF XXXX A PAYMENT WAS SENT TO THEM IN XXXX WHICH THEY POSTED ON XX/XX/XXXX. THEN IN XXXX THEY RECEIVED A FULL PAY OFF FROM MY INSURANCE COMPANY FOR A TOTAL LOSS. THIS PAYMENT WAS RECEIVED ON XX/XX/XXXX. I HAVE A FULL CALL RECORDING OF THE REP FROM XXXX XXXX VERIFYING THIS FOR ME. IF THEY RECIEVED A FULL PAYOFF AMOUNT THAT THEY GAVE MY INSURANCE COMPANY THEN HOW CAN THEY REPORT ME AS BEING LATE WHEN THE CAR WAS PAID OFF. 

THIS IS JUST ANOTHER REASON WHY XXXX XXXX AS A WHOLE SHOULD BE INVESTIGATED FOR TRYING TO COMMIT FRAUD AGAINST A PERSONS ACCOUNT. THEY HAVE SOME ILLEGAL REASON FOR WANTING TO REPORT MY WIFE AND I AS BEING LATE WHEN WE WERE NEVER LATE BY FCRA STANDARDS OF 30 DAYS LATE. 

I HAVE REACHED OUT TO XXXX XXXX XXXX OFFICES AND ONCE AGAIN ON A RECORDED CALL THEY VERIFY THAT I WAS NEVER LATE ON MY PAYMENTS AND YET THEY DO NOT WANT TO REMOVE THE 30 DAY LATE AS THEY KNOW THAT IT HURTS MY CREDIT FOR THAT TO SHOW UP EVEN THOUGH IT IS ILLEGAL AND INCORRECT. 

CALL RECORDINGS DO NOT LIE. THEM CASHING A CHECK FOR THE FULL PAY OFF BALANCE DOES NOT LIE BUT YET XXXX XXXX DEALER SERVICES REPORTS MY WIFE AND I AS BEING 30 DAYS LATE EVEN WHEN NO CAR PAYMENT WAS DUE FOR XXXX DUE TO THE CAR BEING PAID OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX XXXX : BREACH OF TRUST ; Huntington Bank XXXX XXXX XXXX, Michigan XXXX, denied my transaction of depositing my Authenticated Negotiable Instrument into the Trust account which is deceptive business practices and a violation of TITLE 15 USC 1 and Bank Secrecy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc
State: OK

Complaint narrative:
Not sure exactly when we applied, but the first time our credit was pulled was on XX/XX/2021. Since then, we have been constantly getting current document 's to send them every few weeks. We paid off collections and shown proof of such ( as stated in HUD 's S184 Guidelines ). They do not fallow said guidelines very tightly. It's suppose to be " flexible underwriting '' but it seems as if they are fallowing whatever guidelines as if it wasn't section 184. It has taken 9 months for a " pre-approval ''. Now they are telling us that we need a pin/stake survey prior and post closing that will cost $ XXXX {$2000.00}, after they told us and set up for a survey post closing for {$450.00} ( they set this up about 5 months into this process ). Now here we are 10 months in and getting conflicted on what the next step is. This process has been very invasive and frustrating. We have submitted all documents that were requested, and saved up more money then what they had told us we needed. After everything that has been asked of us, there has always been more document 's needed and never any good information about whether we are approved or not or what the next step is. It has just constantly been a barrage of " I know we haven't called you in a month so we need another months worth of all these documents ''. This has been very emotionally draining for the last 10 months and we feel like we are being tossed around while they just make up more documentations for us to come up with. There is a huge lack of communication. We will be contacted one day and told we will receive a phone call later that day or the next day and a week will go by without hearing a word and we won't hear anything at all until we call them to remind them that we are still alive. Then it's the same excuse again about getting a call soon, and then another week will pass by, we will call, and they need more paperwork again. I've had better luck getting a phishing email to respond to me then this bank. I get that applying for a mortgage is a very rigorous process but when 10 months ( so far ) could be compressed to 3 or 4 months it is ridiculous. When asked for something we would turn it in within 24 hours. The only time they were waiting on us, was when we paid something off and had to wait for letters in the mail. 

We don't know what else we need to do from here on out. We just want to move forward and get the outcome that we have been working towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
I received a letter in the mail from " Spring Oaks Capital LLC '' stating that I owe an alleged debt. I am a federally protected consumer under the United States Constitution and my consumer rights are being violated. The reference number on the letter is XXXX. I do not owe any debt and I demand that they cease any collections effort immediately and do not report anything to any credit reporting agency. I unfortunately have been a victim of identity theft resulting in fraudulent accounts being opened in my name. Spring Oaks Capital LLC are illegally attempting to collect an alleged debt that they have received fro " Upgrade ''. I supplied " Upgrade '' all of the supporting documents that prove this isa fraudulent account. Upgrade removed the account from my credit file and stopped attempting to collect the debt. Spring Oaks Capital is violating the FDCPA sending me deceptive forms to make me think I owe an alleged debt and take my money. It is illegal for them to collect on a fraudulent debt. I demand that they stop attempting to collect the alleged debt, send me a letter relieving me of financial responsibility and do not report anything to any credit reporting agency. If they do not the will be responsible for civil and criminal liability under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fraudulent unauthorized inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
PLEASE NOTE, I HAD MISTAKENLY UPDATED MY SPOUSE DL ON MY PREVIOUS APPLICATION.

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 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
The account XXXX XXXX  with the account number XXXX is said to be a collection account that was sold to Source Receivables Management with the same account number showing on my report. This collection account were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. This particular collection account should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. This should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE was sold my Collection from XXXX University XXXX XXXX I understand limited info about my medical information is given, but anything additional should be authorized by me the consumer, which isn't thus why I requested for this collection to be removed per XXXX violation. CMRE has my full medical in their collection that I didn't authorize. I sent a letter to the credit beauru that is attached and XXXX directly to CMRE. XXXX responded that CMRE said " All info is correct '' Which doesn't match my reasoning for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I don't owe anything to XXXX XXXX with account number XXXX. They should have confirmed this from the XXXXriginal Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I am writing about a {$50.00} debt that originated from XXXX. 

I paid Sequium Asset Solutions on XX/XX/2021, and the payment was posted on XX/XX/2021. Unfortunately, Sequium Asset Solutions claims that I did not pay the {$50.00} and turned the account back over to XXXX. I even tried giving Sequium the confirmation number and the agent claimed that I had to contact XXXX. XXXX keeps referring me back to the collection agencies. 

XXXX turned the account over to XXXX XXXX XXXX XXXX and XXXX placed a delinquent mark on my credit score, which severely dropped. I tried reaching out to XXXX XXXX to inform them that I paid the {$50.00} but nothing occurred and the mark is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: NY

Complaint narrative:
I am submitting this complaint once again without any influences from 3rd parties and/or agencies. Please see the attached documents and identification as it contains my full complaint and request.

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 2022-02-16 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: NY

Complaint narrative:
Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the three credit bureaus ( XXXX, Transunion, XXXX ) as well as to XXXX XXXX and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.

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 2022-02-16 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau, the date of the last letter was on XX/XX/XXXX and still got nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} - XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} - XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3500.00} - XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$2500.00} - XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$750.00} - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
PLEASE NOTE, I HAD MISTAKENLY UPDATED MY SPOUSE DL ON MY PREVIOUS APPLICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I went on mortgage forbearance when the pandemic first started due to loss of income from my small business. I was assured at that the time that the forbearance would not negatively affect my credit once I was ready to start loan repayment. I kept calling my mortgage company, Loan Depot throughout the initial forbearance and upon extension of the initial term to make sure that it wasn't going to hit my credit and find out when I should start the repayment process. 

As of XX/XX/XXXX, I was ready to start repayment and called in to request the repayment plan. I was told that deferment was possible and to call back on XXXX. 
Since then I called every other week or so to get an update on repayment status and each rep I spoke to kept mentioning that my application was in process and to to call back on the following week. I have documented all my call and persons I've spoken to since then. ( Pasted below ). 

I continued to call every other week since XXXX and the reps kept telling me that it's in underwriting. On the most recent call today, now XX/XX/XXXX I was told that deferment is no longer possible since it's been 18 months and that the only option is now a loan mod at a higher rate and a credit ding showing loan modification on credit. This was shocking news to me because I was told otherwise from the very beginning when I first took the forbearance and again upon extension and every single call I made through the repayment application process XX/XX/XXXX. I've essentially been put in a worse situation given the forced loan mod that I'd need to take at a higher rate, and loan mod ding. 

Call notes : XX/XX/XXXX th XXXX call in before XXXX Extension approved XXXX ID XXXX XXXX XXXX Request for extension : XXXX XXXX ID XX/XX/XXXX XXXX Number to resume payments : XXXX XXXX call in should have email spoke XX/XX/XXXX ID XXXX Name : XXXX XXXX Said that I don't make any payments until defferal is approved XX/XX/XXXX suspense account to be applied once deferred approval ( will not go to the past due amount ). 
ID XXXX XXXX XXXX Made payment of : {$1500.00} new payments confirmation : XXXX XX/XX/XXXX called XX/XX/XXXX XXXX XXXX no need to make payments yet no issues on credit. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ID XXXX XX/XX/XXXX XXXX XXXX XXXX ID XX/XX/XXXX XXXX XXXX XXXX still waiting XX/XX/XXXX - called and said still with underwriting XXXX - XX/XX/XXXX XX/XX/XXXX XXXX XXXX said I need to send family trust info in XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX c/b in 5 days ( XXXX transfer to tx XXXX ) XXXX : XXXX XX/XX/XXXX Maize XXXX updating title info XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX 
said c/b XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX says c/b tomorrow XX/XX/XXXX XXXX calls back saying titles are now ok but loan defferal no longer available only loan mod at higher rate.

Company response to consumer: Closed with explanation