vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I recently looked at my credit reports and noticed a collection on there from a collection agency known as ARS account resolution. The original creditor name is XXXX XXXX XXXX XXXX NY and the date assigned is XX/XX/XXXX, The date of the first delinquency is XX/XX/XXXX. The amount owed is {$740.00}. I have never used this medical location and don't know how they got my information. Also there is an address on my credit report that does not belong to me, XXXX XXXX XXXX, XXXX, NY XXXX. I contacted the collection agency and they said that there is someone else 's birthday that was not matching mine. I contacted XXXX and XXXX and they said the file a dispute through the CFPB.

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 2020-03-30 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: MI

Complaint narrative:
I am trying to get approved for a mortgage. XXXX is reporting on Transunion my ex-husbands credit card. XXXX and XXXX do not have it on their report. It was supposed to be removed about a year ago, I do not have the exact date. We have both tried to get it fixed and XXXX has hung up on me and basically told me too bad. I have our divorce decree and it states I am not responsible for his debt. All I need is a letter from XXXX stating I was removed, however they wont give that to either of us. I would like this resolved sooner than later or I might end up homeless as I cant even get approved for an apartment with the score this is making me have.

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 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I received a threatening letter from First Point Collection Resources Inc to put a debit in the amount of XXXX on my credit report I didnt recognize, this debit had already been removed from the original collection agency as I had also requested validation for the debit that they couldnt provide. I then sent the same Debt Validation Letter to First Point Collection on XX/XX/XXXX, they received the letter on XX/XX/XXXX. The letter requested. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I received a letter back from the company on XX/XX/XXXX and none of the requested documentation was in the letter. Included in the letter was a print out from a website, that include my name & the account in which they are saying is mine and the charges. This letter doesnt include a letter head or anything on where its coming from so for all I know they could had made this letter in they office. I then called and spoke to a man who stated that is all they had to provide to me to show validation, I let him know that a lawyer would be in contact due to the fact the requested documentation wasnt received and the debt validation stated Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. The agent became very disrespectful after he stated he couldnt continue the call with the lawyer & disconnected the line when I continued to question why I wasnt allowed to have this information if they are saying this is my debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
American Honda Finance they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my wife. We are in the process of closing on a home and because of this our credit score is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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:
I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 2020-03-30 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I am trying to get approved for a mortgage. Citibank is reporting on XXXX   my ex-husbands credit card. XXXX  and XXXX  do not have it on their report. It was supposed to be removed about a year ago, I do not have the exact date. We have both tried to get it fixed and Citibank has hung up on me and basically told me too bad. I have our divorce decree and it states I am not responsible for his debt. All I need is a letter from Citibank stating I was removed, however they wont give that to either of us. I would like this resolved sooner than later or I might end up homeless as I cant even get approved for an apartment with the score this is making me have.

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: IL

Complaint narrative:
My account is currently in settlement. I have made my payments as agreed to since XXXX. Covid-19 hits and my family is having some hardships with income. Discover Card has indicated they have nothing in place to help extend out the 11 month requirement leaving me to pay my settlement in full by XXXX. I am hoping to only need a couple month extension and am trying my best to pay off the settlement so I don't lose what I have paid so far. They indicated that this isn't a problem with Discover but with CFPB as they have not addressed allowing them to do this. In times like these I think this needs to be addressed ASAP so we don't lose the agreement we have made. For those of us who are trying to pay off our debts, I am asking that there be some flexibility as we all go through this crisis and have to prepare for job losses, potential furloughs etc. I was able to make a {$500.00} payment today but that just increases the monthly payment I have to make by XXXX. Please consider looking at this issue as I know I am not the only one out there having it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. As a result, I was allowed to maintain possession of my assets which included a vehicle financed through Credit Acceptance. The payment agreement for the bankruptcy was wage garnishment, but unfortunately I was laid off due to medical reasons and I could no longer maintain the payments so my bankruptcy was dismissed. Shortly thereafter, Credit Acceptance began pursuing me for payments. I explained that the vehicle was broken, it had been towed and I was not able to pay so I offered to voluntarily surrender the vehicle which Credit Acceptance declined so the vehicle remained in tow storage which accumulated more debt. 

As you can see Credit Acceptance failed to properly report the loan to the three bureaus at the time the loan was acquired in XXXX. It wasnt until XX/XX/XXXX that they began reporting the vehicle as 120 days late, XX/XX/XXXX - XX/XX/XXXX it was reported 90 days, XX/XX/XXXX - XX/XX/XXXX 90 days late and finally in XX/XX/XXXX it was reported as a collection account. The conflicting and erroneous information during this time frame was date of last activity was reported as XX/XX/XXXX to XXXX   and XX/XX/XXXX to XXXX. No date was provided to XXXX. However, the opening date was reported as XXXX XX/XX/XXXX to XXXX, but it was reported as XXXX XX/XX/XXXX to XXXX  and XXXX. 

Considering this, I started an investigation disputing inaccurate information begin reported for the account. Neither verification nor validation documents were provided. Instead, the account was permanently removed from XXXX. It was also removed from XXXX and XXXX, but returned a short time later without any form of communication from Credit Acceptance. I continued to dispute the account through XXXX, but I still did not receive any correspondence from Credit Acceptance. Once again, the account was deleted from XXXX and XXXX, but returned this time as a charge off. It is no longer being reported to XXXX. 

More recently out of nowhere on XXXX XX/XX/XXXX the comments were updated from collection account affected by natural disaster Chapter XXXX bankruptcy dismissed fixed rate to collection account auto Chapter XXXX bankruptcy dismissed fixed rate. This vehicle was never affected in a natural disaster. Additionally, after being contacted by XXXX  XXXX  in reference to verifying the account as charged off, Credit Acceptance changed the status of the account from Closed, Charge Off, Collection to Open 120 days late XX/XX/XXXX - XX/XX/XXXX. Today my credit report was updated and Credit Acceptance conveniently changed the account again this time only with XXXX  to show 90 days late XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX  just increases your interest. Credit Card services takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and Credit Card Services gets rich.

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 2020-03-30 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: NJ

Complaint narrative:
I have currently paid off the credit card debt that I owe to XXXX  XXXX XXXX due to a misunderstanding in my family. I still receive calls from debt collectors over a debt I do not owe anymore and it is still a blemish in my credit report. These debt collectors have been calling me since XXXX of this year and I have been receiving calls from 3 different companies : XXXX  XXXX, Portfolio Recovery, and XXXX XXXX XXXX. I have not answered any of their attempts at contact due to understanding my rights and knowing that as of this point my debts are in good standing now. According to what my credit report has said I owe up to {$2600.00} to portfolio recovery, {$710.00} to XXXX   XXXX, and {$930.00} to XXXX XXXX  XXXX  which is not close to the amount of debt I previously owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: MD

Complaint narrative:
An application for an automobile loan was refused by XXXX XXXX, on/about XX/XX/2020, based in part due to a credit report by SageStream , LLC ; including the following negative comments : XXXX Too few active accounts * Limited credit history. 

Now, i have been using credit in the US for nearly 10 years. During that time, i have ALWAYS paid on time and in full. 

IF SageStream is not able to identify sufficient accounts, or has Limited credit history on me, I feel it is both incompetent and fraudulent for them to presume to supply credit advice on me. Why should I suffer because of their ignorance? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Harley Davidson Financial Services Inc
State: MO

Complaint narrative:
Harley has reported {$1500.00} income to the irs that they never issued to me which has now got my taxes audited for not reporting income I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
Received documentation from Hawaii senators office concerning the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act provides relief for homeowners with government guarantee mortgages. VA amongst others, are eligible for loan forbearance for up to one year without fees, penalties, or additional interest. 

Called Loan Care and on their website, it states that VA home loan doesnt qualify for forbearance under the Coronavirus situation. It goes on the say that if we did qualify for the forbearance, the monthly amount times the number of months will become due at the end of the forbearance, this could add up to 20 to 30 thousand dollars. We would have to do a loan modification which mean we would have to re-qualify for the loan. Not able to provide a paystub for the last 90 days would dis-qualify for the loan and loose our house. 

At the time I called, there wasnt anyone live to talk to, to see what possible avenues were available.

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 2020-03-30 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:
I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}

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 2020-03-30 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:
I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I received a credit card in the mail from Chase. I never signed up for the credit card. The card I received in the mail has my information on it and account information for something I never signed-up for. I have been trying to reach Chase to figure out what happened and how they created a credit card account without my permission. Due to COVID-19, I am having trouble getting a hold of Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30 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: CA

Complaint narrative:
On XX/XX/XXXX someone committed ID fraud and opened a bank account with XXXX XXXX XXXX. The company details from this hard inquiry on my credit report are : " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX, VA XXXX XXXX. 

On XX/XX/XXXX XXXX  submitted a Credit Bureau Dispute to Equifax to remove the hard inquiry from my consumer credit report, due to ID theft. 

On XX/XX/XXXX this inquiry was still not removed. 

On XX/XX/XXXX I filled an online dispute with Equifax and this was reviewed, their response : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : Equifax Info Svcs., XXXX XXXX XXXX, XXXX , GA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I tried calling Equifax for the past few days during business hours, was on hold for 2 hours, was unable to speak to anyone on the phone about this. The website also doesn't let me further dispute or give them more info or documents. 

I messaged Equifax on XXXX and also didn't receive a response there. 

I'm trying to refinance my home and this is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
The lender takes my application for a mortgage .... allows me to lock a rate and offers a free extension on the rate lock to ensure my business and then because I want to change from the 30 yr to 15 yr term - they tell me I have to take worse case rate. Or if I want to change the dollar amount of the loan application, I have to take worse case rate ... .. they are saying that I am not guaranteed the rate from the date that I locked .... I am forced to take the current rate .... so on XXXX I would have gotten a {$760.00} credit for that rate - today I have to pay over {$10000.00} for that rate ... .. 

What is this? I locked - why is this considered a change in application? 

Lender -PennyMac

Company response to consumer: Closed with explanation