vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONAL ASSET MORTGAGE, LLC
State: IL

Complaint narrative:
XX/XX/XXXX, I signed a contract for deed with XXXX XXXX, and XXXX XXXX XXXX, which now calls itself National Asset Mortgage. I was excited to get into my own home, so much so that I didn't read the fine print. Well after becoming late during a medical catastrophe, I came home out of the hospital on more than 1 occasion, to a big note taped to my door for all to see, that read I had to vacate property within 11 days for being late on my payment. That should have been my first sign. So after digging into my contract I signed with them, I found they were charging me 10 percent interest on my " mortgage ''. After years of dealing with them, and a few notes taped to my door ( which was done by a management company of some sorts ) not by a law enforcement agency, it was greatly stressful, and quite honestly embarrassing considering I was going thru medical issues, and always got caught back up. I had been approved for the goverment program called hardest hit fund, which was willing to pay the house off, and at the time, nam refused to work with them, because they said they weren't a mortgage company and couldn't accept their payment. Fast forward to know, and I have been divorced from my ex-wife for some time now, and my ex-wife who was not on the contract was awarded the house. And was to handle all transferring of said house. Well needless to say, she hasn't, i have tried everything possible to work with them to get this done, so it can be removed off of my credit and they will not. So not only did they publicly shame me for a medical issue and being out of work, deny working with a place that would have paid the house off, gave me an astronomical interest rate ( is that even legal ), reported to one of the bureaus one thing, and another thing to the other 2, including that the loan was only for 30 months. When it was supposed to be 30 years, but now they refuse to help me by removing it.. it has caused me and my family a great deal if distress and has prevented me from getting into a new home ... please help with this predatory loan place, and there threatening collections tactics so others don't ever have to go thru that embarrassment The company just had a judgment against them by this bureau on XX/XX/XXXX for somethine else as well. 
They are listed as XXXX, NAM out of south Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
I have paid this account in full and it closed. It was deleted from XXXX and XXXX. I have disputed with Experian 2 times about this account. Please delete this account from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: FL

Complaint narrative:
To whom it may concern ; I check my credit and notice some fraud accounts on my credit that I did not Authorize. I have no Knowledge or have I open any of these Accounts This is fraud, and I want to put a fraud Alert on my credit so that this will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
To whom it may concern ; I check my credit and notice some fraud accounts on my credit that I did not Authorize. I have no Knowledge or have I open any of these Accounts This is fraud, and I want to put a fraud Alert on my credit so that this will not happen again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
I live on XXXX and SSI for my daughter 's. The meds I have that work, cost in the hundreds of dollars. That being said, money is always right. When we were getting the stimulus check my bank account was in the hole {$250.00}. Knowing the check was coming was a relief, because it could pay off that overdraft, and give me a few extra $ . What I didn't know was the same night I got the stimulus payment ( XX/XX/XXXX ) the bank put the {$250.00} into the account to bring it current. Since I was expecting {$1700.00} having a qualifying child, I didn't notice that extra money was put in because I was expecting more. Fast forward to XXXX I see a message on my board saying the " {$250.00} loan '' was coming due. But don't worry, if it overdrew your account, they would waive the fee. So I called my local branch. The woman I spoke with didn't even know about the money being put into people 's accounts to bring them current either. So if SHE didn't know, what kind of notice did they give me? I never saw anything about " loan ''. When she came back to me to see what she could do for me, the best was to take off a couple of overdraft fees. She even commented they expect others to be in the same position. So now, because of this my account is once again in the hole, I get paid on the XXXX and my XXXX, XXXX, XXXX ( all of which is being exacerbated by this XXXX  ). What they did was wrong. I did not ask for it and because I am on a fixed income, this will destroy us and potentially leave us homeless. They need to be held accountable and bring my account to a positive balance like the stimulus check would have done in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Asset Recovery Solutions, LLC
State: MA

Complaint narrative:
I attended XXXX and received the following private loans from XXXX XXXX XXXX : Received {$10000.00} on XX/XX/XXXX Sent back ( {$2700.00} ) on XX/XX/XXXX Sent back ( {$5600.00} ) on XX/XX/XXXX Received {$1500.00} on XX/XX/XXXX Total- {$3300.00} ( plus fees ) I made payments to XXXX each month consistently until the balance said {$0.00} due. XXXX changed to XXXX, which changed to XXXX, which change to XXXX. There is now a company called XXXX which apparently owns the debt and they have hired Asset Recovery Solutions to collect. A total of SEVEN companies have been involved in this debt. 

I received several calls and letters from Asset Recovery and explained to them over the phone that the loan, as far as I knew, was paid in full. I explained several times to Asset Recovery that I needed a full accounting of this loan, starting with the original loan amount and a complete listing of each payment made. 

The burden of proof lies with Asset Recovery Solutions, not with me. They are telling me that I owe a balance of {$1700.00} however when making monthly payments on the XXXX and/or XXXX  website I paid until the balance said {$0.00}. This company has changed names FOUR times since my loan inception. 

Asset Recovery has failed to follow through with my request that I receive a full accounting of my account. Now, they are " offering '' to settle my account for 60 % of the original amount. They have completely ignored my request to send me a full accounting of what I originally owed and each payment made, probably because it is too much work for them. If they think I owe them money, then they must PROVE TO ME that I owe it. 

Further, I believe my credit score has been negatively impacted due to the actions of Asset Recover and I will make a demand upon them that they reverse their erroneous reporting of my account immediately to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Keep reporting to credit scores on an account that not to be paid until 2021 which keeps bringing down my score, which I have been trying to improve for years. I have tried to talk with them NO corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
It says it will not allow 3rd party access any longer. I am unable to transfer money out of my account to a prepaid debit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CA

Complaint narrative:
I am trying to rent an apartment so yesterday XX/XX/20 I applied at XXXX  XXXX  XXXX   and when my credit report came back I was told that I did not qualify to rent there due to an account reflecting badly on my credit. The account is from XXXX XXXX for {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using y personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company. I have already filed a police report and a complaint with the CFPB regarding this unauthorized account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I got an email from XXXX  that COMENITYBANK/WAYFAIRCARD did a hard inquiry. I called the bank immediately and found out a card had been opened in my name without my authorization. I immediately asked them to close the account and delete the inquiry. A few days later I get a notification from XXXX  that a new card was opened in my name from them and also closed the same day. I have called Comenity/Wayfair to attempt to rectify the situation and remove all inquiries from all 3 bureaus and remove the account that was opened and closed on the same day from my credit report. This now is temporarily affecting the length of my credit age.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I issued a payment to Citibank for {$9000.00}. This was 1/2 of the balance owed on my Executive Mastercard. I then received a letter from Citicards that they would not be renewing my card after the XX/XX/XXXX expiration date. I have paid the card down in order to refinance my home, needing to open up my available credit and reduce my debt in general. I have never had a late payment with them and I feel this an outrageous breach of their duty to me and this action is an unfair and unbalanced reaction to the COVID 19 crisis and not to do with anything I have done as a cardholder. I have asked them to re-evaluate this decision as it impacts my whole family and our economic health going forward in a grave way and was told they would not until after it expires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, Date : XX/XX/XXXX, account is marked as derogatory and is not correct. The account currently reports on all three credit reporting agencies as charged off as a bad debt and it is not correct. The payment shown are a mixed of collection and on time payments, example : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shown as collections and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as payments on time. I have not used this account in over 7 years, all payments where submitted on time. This account needs to show a {$0.00} balance and it also needs to be removed from showing as a charged-off debt this incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
XXXX XXXX XXXX, Date : XX/XX/XXXX, account is marked as derogatory and is not correct. The account currently reports on all three credit reporting agencies as charged off as a bad debt and it is not correct. The payment shown are a mixed of collection and on time payments, example : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shown as collections and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as payments on time. I have not used this account in over 7 years, all payments where submitted on time. This account needs to show a {$0.00} balance and it also needs to be removed from showing as a charged-off debt this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Westlake Services, LLC
State: PA

Complaint narrative:
WESTLAKE FIN XXXX is being reported inaccurately on my report. I contacted westlake financial to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help 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 2020-07-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and Experian dropped my credit score 23 points without reason or explanation. I called Experian XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX XXXX  male I've been a victim of this kind of discrimination for years and I need answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX negotiated settlements with Creditors. XXXX XXXX XXXX appears to made payments late and bounced a check. XXXX XXXX  for my Mastercard and XXXX accounts took payments late then are calling stating agreements will not be honored. Even though XXXX XXXX  eventually got every XXXX of the agreements they will not honor them Due to COVID19 I have no money I lost more then 50 % of my income. I can not pay all my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX A XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  ) ; Bal : {$780.00} XXXX  Retail - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$0.00} ( TU & XXXX  ) XXXX XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  XXXX XXXX XXXX  XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$570.00} ( XXXX  ) US DEPT ED - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$3000.00} The Public Records is incorrect information : Chapter XXXX Bankruptcy Dismissed Dated : XX/XX/XXXX ( TU & XXXX  ) Please remove unauthorized inquiries from my credit file : 1 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2020 to XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
I had informed Cottonwood Financial/The Cash Store that I would be unable to make payments on my loan because I was out of work due to the pandemic. Theyre only solution was that I could put off 1 future payment, but I would be charged for two payments on the paydate. I thought they would honor a doctors note from when I first got sick. The store employess said they faxed it over but Cottonwood Financial did not respond. They continued to charge my card on various random dates, even though I made them aware I got paid on the same two dates ( XXXX and XXXX ) of each month. Its almost like they did it on purpose just so I could default on the loan. At one point I even became infected due to the virus and had to self quarantine. I provided them with a doctors note like they asked. They did not honor the doctors note and continued to charge my card which kept putting my bank account in the negative, which the bank would subsequently charge me a large fee for. It didnt make any difference what days I told them I got paid on. They intentionally do this so you can default on the loan. Since then, a small payday loan of {$600.00} is now valued at {$1400.00} that I would have to pay back because Cottonwood Financial repeatedly tried to access my account even when I made it clear there were no funds and the amount would bounce back.

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