vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY RESOURCES, INCORPORATED
State: NC

Complaint narrative:
Equity Resources XXXX put our mortgage in forbearance without any notification or our consent in XX/XX/XXXX. We were not aware they had done so until we attempted to refinance two of our homes in the second week of XXXX. We had been making monthly payments and when an ER representative reached out to us in XXXX, asking if we would like forbearance, we made it very clear that we did not. Not only did they indicate the loan was in forbearance, they reported it over 30 days late to the credit bureaus this month. We have since not been able to refinance our properties and we have been denied financing for other purchases. After calling Equity Resources again on XX/XX/XXXX, I was informed they were legally allowed to put our home in forbearance because its a XXXX XXXX loan. Then I was told it was put into forbearance, because we missed an XXXX payment which triggered the forbearance. I asked why the didnt call or inform us XXXX was missed because we would have paid it immediately ( which we did in XXXX as soon as we were made aware ) and they said it was already in forbearance at that point. When we asked to remove the forbearance in XXXX because we had never requested it, they reported late payments. On XX/XX/XXXX, they reported the loan 30-60 days late. Please see the attached XX/XX/XXXX statement indicating {$0.00} past due when the forbearance was reversed. Please also see the attached letter from ER dated XX/XX/XXXX. Its states either 1. We opted out of forbearance ( which, according to the CARES Act, means no late payments since XXXX should be reported late ) or 2. The loan is in current status with no missed payments ( which means no late payments should be reported ). They have acknowledged we did not ask for forbearance and assured me it would not cause a financial burden. The representative provided me with this information on XXXX and said the lender can call her at her personal extension so she could inform them that we didnt request a forbearance. XXXX XXXX XXXX XXXX XXXX ; XXXX Every potential lender has refused to call. Equity Resources has damaged my credit by reporting our mortgage in forbearance AND 30-60 days late, they have created a financial hardship and put our life on hold as we invest personal time struggling to fix their mess when we have been continuing to make payments and have been under the impression the account was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
We opened an account with Citibank They promised XXXX Bonus if a balance of XXXX for 90 days and it's now over 7 month and they do not respond to calls in regards to the bonus.

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX has not been reporting my payment history with the Exprian. I have reached out to XXXX on numerous occasions and even followed their advice to create a dispute with Experian. I started the dispute XX/XX/20 and had to follow up with XXXX on XX/XX/20 about the payment history being sent to Experian. Today XX/XX/20 XXXX removed the loan from Experian and never reported the missing payments from 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 2020-08-10 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am not sure of the specific dates, but I have reached out to this company on several occasions requesting that they remove the negative/ late payments from my account as my vehicle has been paid off since XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: NY

Complaint narrative:
I notified Equifax and XXXX  that i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I was interested in possibly purchasing a XXXX XXXX. I filled out a pre-approval on Chrysler Capital 's website to see if I'd be approved for a loan. Part of that process required me to select a dealership. I selected XXXX XXXX XXXX XXXX since they're the closest dealership. 

I never authorized anyone to run my credit, and I ultimately decided to wait a while before purchasing a second car. I had an inquiry into my credit from Chrysler Capital despite never authorizing anyone at anytime to run my credit. 

Chrysler Capital is saying that the inquiry was initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX got my personally identifiable information from Chrysler Capital . I want to know the name of the person who initiated this inquiry into my credit. 

This inquiry was unauthorized and is fraudulent. I intend to file a police report and press criminal charges against the individual and companies that allowed this unlawful inquiry into my credit to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: FL

Complaint narrative:
I have contacted each company to informed them that I've been a victim of Identity theft and they directed me to touch base with the credit bureaus.

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 2020-08-10 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX {$2600.00} XXXX XXXX {$4000.00} XXXX XXXX {$10000.00} XXXX   XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX I applied for mortgage deferment / forbearance for two rental properties I own. XXXX / XXXX services both mortgages. I received auto-reply messages saying my forbearance request was received and I should turn off the AUTOPAY direct debits for the loans. I did so. On XX/XX/XXXX, I received LATE PAYMENT notices for both loans. I responded to XXXX with detailed emails and phone calls ( that are not answered ). I received an auto-reply from Loss Mitigation with a Ticket Number and instructions on how to apply for forbearance ( which I had already done, twice, with two confirmations of their acceptance. ) See below : # # # XX/XX/2020 ( Reference number : XXXX Please use this ticket number in any correspondence with us. ) Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us. 
A Message About Coronavirus ( COVID-19 ) and How to Apply for a Forbearance Thank you for contacting us about your mortgage. If you are experiencing financial hardship due to the coronavirus ( COVID-19 ) pandemic, continue reading for information about your relief options. 
On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law. The CARES Act allows mortgage borrowers to request a forbearance with an initial term of up to 180 days ( 6 months ). When the initial term expires, mortgage borrowers can request an additional term of up to 180 days. 
# # # More phone calls that never get answered, more emails that have an auto-reply. 

I then SELL the homes. And the loans are paid off. AFTER the sale is closed I learn that XXXX has marked my loans as 60 days late making it impossible for me to modify any other loans. My web portal ( to login to XXXX ) is now closed. And they still don't answer the phone. 

Please help. 

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 2020-08-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 USAA To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to USAA on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: GA

Complaint narrative:
Account does not belong to me.

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 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2015, I signed a contract with XXXX XXXX  for XXXX XXXX  XXXX  services. The full amount due was pre- paid by XXXX XXXX. Hence, the XXXX  XXXX   XXXX  XXXX representative XXXX XXXX XXXX had me signed an agreement Shedule B Fee which stated total pricing amount for services for {$4700.00}. The ach payments was set up by XXXX  XXXX  as soon as i signed the contract and funds were drafted from my checking account to account ending in XXXX. I have paid amount in full and have proof from my bank statement. XXXX  sold by loan to a Portfolio recovery associates LLC. Even though i have sent support of proof of payment, portfolio recovery is still trying to collect paid debt. Need your help as my credit has been effected by this unsettled matter. Please see provided support from my bank and XXXX  XXXX letter after last payment was settled. I will provide support of contract if need, so you may see the terms. Thank you so much. I will provide copy of initial agreed contract terms if needed. 

Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX XXXX {$2600.00} XXXX XXXX {$4000.00} XXXX XXXX {$10000.00} XXXX   XXXX {$2600.00}

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 2020-08-10 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. DTEDXXXX XXXX {$1300.00} DTEDXXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX  XXXX {$0.00} XXXX XXXX {$190.00} DTEDXXXXI XXXX {$2600.00} DTEDXXXX   XXXX {$4000.00} DTEDXXXX XXXX {$10000.00} DTEDXXXX   XXXX {$2600.00}

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 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a business checking account at Chase & they have recently began deducting Monthly an Account Maintenance Fee in the amount of {$9.00}. I never gave them permission to charge me for this nor was I notified they were going to do this. I want to be reimbursed for the fees already collected & all future fees waived. 
I have spoken with Chase & all they say is there is nothing can do. 
I hope you can help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MI

Complaint narrative:
I got a loan for XXXX on 18 acres with mobile home in 1997. Then loan was sold to XXXX XXXX XXXX, then they sold loan to SN Servicing LLC, then back to XXXX XXXX XXXX, then back to SN Servicing. My loan amount went up to XXXX plus. Then at one point they said I owed XXXX on loan. After 23 years they say I owe XXXX plus yet. I am XXXX I have paid over XXXX over 23 years why am I still paying on this??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
They have sent me letters stating that they will start a lawsuit against me after I sent them a debt validation letter that they have not responded to, which they are legally obligated to respond to, ( Letter arrived XX/XX/2020 to their main office ). They've also harassed my sister, calling her with MANY numbers. The letter is dated XX/XX/XXXX, it is XX/XX/XXXX and they're only giving me until XX/XX/XXXX. The last letter was marked XX/XX/XXXX and I only received it XX/XX/XXXX VIA XXXX and they wanted a payment in FOUR DAYS that I couldn't afford because of the current pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Toyota Motor Credit is reporting inaccurate information to the credit bureaus in regard to a fraudulent account in addition they are refusing to remove this negative information from reporting against my name with all the major reporting agencies although they are aware this information is fraudulent. I did not obtain a loan with Toyota Motor Credit nor did I give anyone permission to obtain a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I checked my credit today because I'm preparing to purchase an income property and I noticed erroneous information on my credit profile. I did not authorize the following companies to run a credit check, nor did I authorize them to open a credit account for myself or anyone else. I have not yet contacted these companies. 

Accounts : Comenity Bank- XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX COMENITY BANK/XXXX  Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX XXXX  XXXX   XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Inquiries : XXXX   XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  of XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Under 15 USCA 1692 c of the Fair Debt Collection Practices Act, this is my formal notice for you to cease all telephone calls except for those permitted by federal law. I am not cutting off communication with your company but rather reduce all communication to writing from here on out. 

This letter is your formal notice to cease the pursuit of a debt that has already been paid, and for you to confirm the {$0.00} balance owing on the account in the referenced matter below. I'd also like you to confirm that you in fact accepted my payment of {$140.00} on XX/XX/2020. 

The debt was originally owned by XXXX XXXX XXXX XXXX for tolls. 
The account number given will be the license plate number will be included in this request under account number. 

On XX/XX/2020 after being given verbal permission from XXXX XXXX ( Which was recorded ) a Transworld Systems Inc. representative and I made a verbal agreement to pay the specific settlement amount of {$140.00} in exchange for the account to be closed. I paid the agreed settlement amount of {$140.00} which I have proof of via bank statements. Transworld Systems Inc. tells callers before the conversation even starts ; that the phone call is being recorded. So they have physical proof of this phone call. I would like to request a transcript of this phone call as proof that my debt has been paid and should be closed. This is no longer an open account. 

I have had two calls with Transworld Systems Inc. in which information was being provided to me about the account with no problem. On the 3rd call to check on the status of the closed account. Transworld Systems Inc. took it upon themselves to revoke my given permission to negotiate on behalf of XXXX XXXX for the debt owed. 

I am willing to take legal action if this account is not closed within 15 days of receiving this request. I am willing to take legal action if I do not receive a written response ( including a written transcript of phone calls between me and Transworld Systems Inc.representatives ) within 15 days of receiving this request. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I notified XXXX  and Experian that i am a victim of identity theft

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