vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are several inquires on my report that I do not recognize. They are from XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX mortgage service, XXXX, factual data, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX auto finance, XXXX Chicago/mo, XXXX XXXX, XXXX XXXX, XXXX na, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, factual data, XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX,XX/XX/XXXX factual data, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXXXX,

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 2020-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
Due to COVID19 issues I was furloughed from my current job I contacted Dovenmuehle Mortgage, our current loan holder at the time, an was approved and received forbearance position on XX/XX/2020 and continued to be extended through XX/XX/2020, as shown by their letter dated XX/XX/12020. They assured me they would correctly report our position to the 3 credit bureaus and would not receive any late payments. When we recently checked our credit both XXXX and XXXX are showing 120 day lates. This has totally disrupted our lives and has dropped our credit score over 100 points. I have gone on record with over 30 phone calls ( all recorded and documented ) over the last 60 days into Dovenmuehle and, even though they confirm they made the mistake, they refuse to email me a simple 1 page letter I have been been requesting so I can clear my credit. This letter must contain specific items to which I will refer to further in the " Desired Outcome '' section. They also confirmed on recorded conversations I am not the only borrower they made these mistakes with during this time. I hope others who read this complaint that have had these same issues will join me in this complaint so that everyone will know the pain and suffering me and my family have experienced. Dovenmuehle is an irresponsible, inconsiderate company I have ever worked with!! They are a disgrace to the industry and I truly hope this complaint helps to discredit their name for everyone to witness!! Do not walk but run from this company so you never have to me treated as horribly and me and my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: GA

Complaint narrative:
Requested validation of debt. I keep on receiving notification that the debt has been validated. I have sent several request for validation and have not received any thing. This collection account was added to my credit report on XX/XX/2019 and I never received any call or letter in the mail from this company notifying me of any debt owed. I have been fighting for a resolution and I am not getting anywhere. 

Company : XXXX XXXX XXXX XXXX opened : XX/XX/2019 Amount : {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: GA

Complaint narrative:
Requested validation of debt. I keep on receiving notification that the debt has been validated. I have sent several request for validation and have not received any thing. This collection account was added to my credit report on XX/XX/2019 and I never received any call or letter in the mail from this company notifying me of any debt owed. I have been fighting for a resolution and I am not getting anywhere. 

Company : XXXX XXXX XXXX XXXX opened : XX/XX/2019 Amount : {$730.00}.

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has received funds from the FDIC from which they were supposed to credit my account with and they have not nor have they returned the funds to the FDIC they are not honoring there zero liability policy and also not respecting state and federal laws in regulations

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 2020-11-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Pioneer Credit Recovery is contacting all my family members telling them I gave them their information regarding my student loans I fell ill in XX/XX/XXXX and was on FMLA for a XXXX XXXX. I lost my employment XX/XX/XXXX due to the illness. I have been determined XXXX and started receiving benefits in XXXX. I am in the process of having my student loans forgiven due to my XXXX and long term prognosis. The applications were submitted to the US Department of Education

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 2020-11-10 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:
XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC 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, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: CO

Complaint narrative:
Experian continues to neglect and play games to delay the process of my previous inquiries and investigation. I have sent them countless proof of who I am providing drivers license, Social Security number etc. However, they still continue to not process or look into the reporting issues that I have on my credit report. All they have done and continue to do is violate FCRA policies and procedures. If this is not handled properly by this Experian, I will have no choice but to look into further litigation to correct this issue for gross negligence and failure to provide Significant information to my 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 explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
The account in discussion is Loan care Account # XXXX the issue at hand is a late in XX/XX/2020, A financial accommodation was made. On my latest credit report which I will attach for your convenience, it lists a late pay in XX/XX/2020. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies.

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 2020-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Investigation was not properly conducted in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX ACCOUNT # XXXX Erroneously marked as closed on XX/XX/XXXX settled for less than full balance. 

Factually, account was closed on XX/XX/XXXX and settled for less than full balance on XX/XX/XXXX. 

No late payments.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Trying to remove a hard inquiry on my credit report! Sync-Amazon credit card company! This is a fairly new company! I didnt ask for no credit card through this company! I dont understand why this company is allowed to put a hard inquiry on peoples credit during a pandemic!!!

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 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
This company is my current mortgage servicing company for the past 10 years or so, they took the servicing after my mortgage company went bankrupt during the housing crisis around XXXX. Now refusing to refinance my loan now. 
I lost my job in XXXX while I was on leave of absence due to XXXX XXXX, which pushed me in to financial trouble and was having hard time to pay the mortgage. I wrote to my lender about my situation and they modified my loan to an affordable monthly plan using then available XXXX  XXXX  's mortgage assistance program. They split my loan in to two portions. an interest free $ XXXX loan and a second loan for rest of the amount with 4.5 % interest. The officer in-charge for my loan at the bank explained that the $ XXXX loan will stay as a hidden loan without gaining any interest till I pay off the second loan. Or it will be due if ever try to sell the house, but refinancing would not be a problem at any time I want to, if I find any lower interest rate any time in future. That is when I signed the loan. 
Now that the interest rates are very low and when I tried to refinance the house, they denied. In the past 7 years since the modification, I was never late for any monthly payments. I kept a clean payment history/record. Due to my financial trouble then, I had to file bankruptcy, because of this, my loan is not reported to credit bureaus, which makes it harder to get a loan from another lender. The mortgage company trapped me in with this unmodifiable loan for rest of my life at this interest rate. I also have a very high interest HERO loan for the solar I installed on home. For almost five years now I am paying that high interest. I was just trying to combine the second loan with the HERO at the current available lower interest rate to lower my payment because I am going through financial trouble due to COVID-19. My wife just got leadoff from her job after 13 years of service when they shut down the refinery she works, due to COVID-19. 
Bank gave excuses from refinancing the loan and asked me to withdraw my refinance application without denying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
Received a phone call from XXXX XXXX XXXX stating they represented mutual recovery mediation to attempt to settle a debt from allied cash advance and would be filling charges against me in court if I did not pay. They threatened criminal charges. They refused to provide any documentation in writing. I have the phone call recorded. They would not provide me any information or location of this business. They refused to tell me who their client was. They hung up on me after I asked if they have anything in writing showing I ever consented to automated calls. The representative advised me they work closely with the judge in XXXX County Florida and told me if I don't settle they would file this in XXXX County FL and my current county of XXXX XX/XX/XXXX. They claim this was from a payday loan taken out in XXXX XX/XX/XXXX in 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX I took out a private loan for {$24000.00}. While I attended school the loan ballooned to {$30000.00} by XX/XX/XXXX. As of today, I've paid back {$37000.00} and as of XX/XX/XXXX, my total balance is {$20000.00}. My expected payoff date is XX/XX/XXXX and I was told if I continue to pay my loan payments every month until the loan is paid off I would end up paying back anywhere from $ 70k- $ 90k. National Collegiate Trust owns my loan and the loan is being serviced by American Education Services. I've written to AES and NCT regarding my loans and any kind of relief and have not received a response. When I call AES regarding my loan they refer me to NCT which says they have no record of my account. I feel like I am being sent around in circles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXX/XX/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 2020-11-10 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for a credit card from XX/XX/XXXX XXXX last week but it showed application failed to submit. In this week I found that there is a hard inquiry made by this company. I tried to contact this bank but no one 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 2020-11-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a discrepancy on my credit report that I have been disputing for a while ; from XXXX XXXX XXXX XXXX ( d/b/a XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, d/b/a XX/XX/XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The reported debt is neither private nor federal student loan, rather an institutional loan granted by the college for which I have written notification ( dated XX/XX/XXXX ) from the XXXX XXXX, Vice President of Student Affairs, stating the balance was forgiven and XXXX  out. 

Despite such documentation, the school continues to negatively report on two of the three credit reporting bureaus, adding {$89.00} to the balance each month, causing it to reflect a current past due balance of {$9600.00} as of XX/XX/XXXX. 

I have supplied the supporting documentation to XX/XX/XXXX and Equifax and tried to dispute the account so that it can be removed from my report ; however I have been unsuccessful. 

I am reaching out for you assistance in getting this collection removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & R Collection Service, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX XXXX I was contract by text message from number XXXX with message : '' ETA Scheduled for XX/XX/XXXX between XXXX XXXX XXXX. Please accept documenta at XXXX XXXX XXXX XXXX XXXX in Washington. Signature by XXXX XXXX req 'd Invoice XXXX can be made current by calling XXXX  XXXX XXXX. I called the number and the caller stated they are from RNR Recovery and contacting me regarding a bill from Check into Cash from XXXX. I explained I do not owe a debt to them and you need to provide proof of debt. RnR Recovery claims notice was sent to me 45 days ago. I advised I have never received a notice and to either mail again or email the documents. They refused and claim by law only one notification. I advised until you can provide documentation of debt, I am refusing to pay. The burden of proof is on you!!! Then he threatened with placing item on my credit. I later contacted Check into Cash, XXXX and spoke with XXXX who confirmed that I do not have any debt or outstanding loans with this company.

Company response to consumer: Closed with explanation