vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 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: ECMC GROUP, INC.
State: LA

Complaint narrative:
On its website, ECMC states, " ECMC has ceased all collections activities on defaulted student loans until XX/XX/2020. The only exception is if borrowers wanted to pursue a voluntary resolution to their debtin which case they were assisted with that resolution. '' We were a few months into the pandemic before I was told that their statement didn't apply to *my* defaulted student loans. 
It was true. My credit report shows that my loans stayed in collection status until they were paid in full when I consolidated them. I would have moved a little faster on the consolidation had they not assured me on their website that " all collections activities '' on my accounts had been stopped. 
My loans were FFELP loans. So, although the statement on their website didn't specify which kinds of loans they'd cease collections on, the truth is that they weren't forced to stop collections on my accounts, so they kept reporting me as being in collections. 
Recently, the White House moved to retroactively include borrowers like myself, who weren't covered by the CARES act, in this financial protection. Companies like ECMC are expected to charge no interest during the time of the pandemic and to retroactively stop collections activity. The credit reporting agencies have asked to be " understanding. '' I filed a dispute with XXXX for a second time ( the first having been about my being told that collections had ceased when they hadn't, and my being reported as in collections for loans that, after being in an income-driven repayment plan, still, today, on my credit report, show a monthly payment of {$0.00} due while I was in collections ) about ECMC 's reporting. I didn't ask for a refund of the random amounts of interest they charged to my loans monthly, and sometimes twice a month, during the time which, now, they've been told that no interest should have accrued. I just wanted the collection activity to be removed from my report. They refused.

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 2021-04-15 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: KS

Complaint narrative:
I have a few inquiries that is incorrect on my credit report and i have no knowledge of ever giving approval to let those companies access my credit report and i would like for those inquiries to 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 2021-04-15 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: GA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Harvard Collections, LLC
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To Whom it may concern, I have contacted the creditor SYNCHRONY BANK in XX/XX/XXXX. 

I noticed that the account information between XXXX, XXXX, XXXX  DOES NOT MATCH. 

This account is under XXXX XXXX XXXX SYNCB/CARECR XXXX which is reporting erroneous, inconsistent, unverifable account information. 

The date opened, date closed, date of last activity, credit limit, date of first delinquency. 

I sent a letter directly to the Synchrony Bank which was delivered on XX/XX/XXXX by certified mail and they have not responded in 30 days as required by the FCRA and they did not update the account as disputed AS THEY ARE REQUIRED. 

I also sent a letter directly to the XXXX to conduct an investigation which I also did not receive a response which was delivered on XX/XX/XXXX. TODAY IS XX/XX/XXXX. 

This account should be removed NOW and all reporting should cease immediately. 

The Creditor is aware that the account fields of METRO2 is their industry standard and require MAXIMUM POSSIBLE ACCURACY given the criticalness of the automatic underwriting process WHICH ALL lenders use to provide me lines of a credit, a vehicle loan and a mortgage. 

Thank you Synchrony Bank 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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was defrauded by the merchant ( property management company ). They fraudulently misrepresented the apartment unit and after signing the contract, they gave me a key to an apartment unit that did not meet Texas state habitability law. The apartment unit was full of cockroaches and it was very unsafe environment. I paid the rent ( {$200.00} and {$600.00} ) with Navy Federal credit card on XX/XX/XXXX and XX/XX/XXXX and on XXXX, I decided to early terminate the lease agreement with landlord due to their lease violation. I have a right to refund because the merchant defrauded me by fraudulently misrepresenting the apartment unit. I also filed disputes regarding this issue with other credit card companies and they approved my claims and I was able to receive the refunds for other rent that I paid for. However, only Navy Federal Credit Union did not issue a refund. They did not properly investigate this issue and I'm very frustrated and disappointed. The amount of money that I paid for may not be a lot to this organization but it's a lot to me as XXXX year old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
I told them to stop calling and to use only mail. And yet I get 7 calls a day every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
I contacted Loan Depot regarding refinancing two rental properties I have in Utah. I was able to lock in the rate and receive a loan estimate on XX/XX/ and was told the process would take 45-60 days. Checking with Loan Depot 's website it states " Most refinance transactions could take up to 45 to 60 days based on the complexity of the loan. '' The Lending Officer was XXXX XXXX at the time, he is no longer with the company. I quickly submitted all paperwork expecting the loan to close by late XXXX-early XXXX. 

Several months passed and I did not receive any new information about the loan. I submitted numerous emails with no answer. Eventually, I received a message from the Senior account manager, XXXX XXXX, asking for more paperwork as the old paperwork I provided all needed to be updated. 

In late XXXX I received a phone call from XXXX asking about information for the loan. She seemed very uniformed and it was pretty clear that she had not read or looked at any of my paperwork or emails or listened to any phone messages. I provided her with all the information she inquired about. 

By mid-XXXX  I was very worried about the status of my refinance and tried calling and emailing XXXX, her manager, their manager, coporate, the new Lending officer, his manager with no answers. Corporate did not even have any record of my refi accounts and could not help me. 

On XXXX I received a notice from my personal home property that a payoff was requested. After speaking with my bank for a while I was able to determine that this was Loan Depot requesting a payoff on the wrong property, my personal home vice the rental being refinanced. I received an email ( attached ) from XXXX acknowledging the mistake but no following communication about them covering the fees. On XXXX I received another notice that another payoff request on my personal home property was ordered by Loan Depot. They have been using my social and the automated IVR system to request the payoff amount without my permission I have included an email I had sent regarding this but have not heard any word back. 

XXXX XXXX has taken over as the Lending officer in late XXXX after XXXX XXXX departure. After resubmitting many paperwork with her I was told that she would submit my loan paperwork by early XXXX. I have called with no reply back from her when asking about the status of the loan. Recently XXXX XXXX has taken over the loan. 

I have not received any word on why my refinance process has been taking so long. I have excellent credit and have been getting them all required paperwork as soon as possible. I do not know if there is a discriminatory process that has caused my refinance process to take so much longer than the average process. I have called other Loan Depot branches to confirm that the 45 is typical and on more complex cases it can be 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: NJ

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX XXXX 2. Validate Account XXXX Department Stores 3. Validate Account XXXX Department XXXX XXXX Account XXXX XXXX credit Validate Account 5. XXXX XXXX 6. Validate Account XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

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 2021-04-15 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:
I have disputed unverified accounts with Experian. Experian is not investigating my disputes accurately! They have not provided me with any verification that proves this account belongs to me but refuses to remove the account. They continuously add unverified information to my 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 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Reliance Holdings LLC
State: GA

Complaint narrative:
I came out of forbearance in XX/XX/2020/ First Reliance sent letter stating forbearance would be added on to end of loan. after making 4 reg payments. I'm refinancing with another company. For 60 days First Reliance has sent wrong documents and dates. I've been placed on hold for hrs and have been hung up on 6 times in one day. The last was supposedly names XXXX in customer service. She was so horrible that it finally dawned on me that this is a racially motivated attack. I asked XXXX to find me a Caucasian supervisor and she hung up. I've talked to 3 nice people out of over a dozen. I've asked them to please put in their notes all the issues I've had.Some say that they can't email or fax the same day. I've been told 3 days for fax and no emails. Today I was told faxed 2-4 hrs and yes they faxed the wrong information. Wrong information was emailed yesterday and then again today. So I was told just now a new fax would go out tomorrow. Please help as My loan is being held hostage!

Company response to consumer: Untimely response
Consumer complaint received 2021-04-15 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:
Experian need to remove " ESCALTED REMOVAL / SUPRESSION REQUEST CONFIRMED BY THESE COMPANIES AND IMMDIETALY REMOVAL IS REQUESTED ''. 

Please see attached the screen shot of my account. 

Please remove the following hard inquires immediately from my credit account. Other bureaus have removed updated and these inquires are need to be removed from Experian. These inquiries have been escalated by : XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/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 2021-04-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Around XX/XX/XXXX, XXXX XXXX XXXX repossessed my vehicle and the account on my credit report is showing charged off. However, whenever I look at the payment dates made on my santander consumer USA account that I still have access to, it shows last date paid XX/XX/XXXX. Yet whenever i look at my credit reports for all 3 bureaus, it shows charge off. How can this be? From my understanding, if an account is 90 days late, then it can go into collections or charge off status. I have no idea what's going on and this is strange.

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 2021-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Bridgecrest Acceptance Corporation has violated the law and has been deceptive. They did not follow The Truth In Lending 15 usc 1601 and have been lying about the finance charge 15 usc 1605. They are trying to collect cash in a consumer credit transaction with a finance charge involved. I even asked them to validate the debt 15 usc 1692g because in the initial communication they did not and they still have not. I also neve. I have let them know about their violations with a affidavit. They did not rebut the violations but just claimed they felt like they did nothing wrong, instead of thoroughly investigate the matter. Now they are threatening to take my car illegally. So now I will send a last affidavit stating these violations, a exhibit, and a final notice. I just want them to respect my consumer rights and the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
Never received any communication at all until XX/XX/21 and then suddenly receive text message, phone calls to my personal phone, phone calls to family members. Family members called me concerned about it. This is absolutely inappropriate. I do not owe any debts to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with XXXX XXXX XXXX. 

After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that XXXX XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. 

This letter is admittance to inaccurate information being furnished to Experian, XXXX and XXXX for multiple years. ( Letter is Attached )

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 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I sent Carter-Young Inc a debt validation letter two times on the following dates : XX/XX/21 & XX/XX/21 and each time Carter-Young Inc has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I entered into a consumer credit transaction with Regional Acceptance Corporation. I received a response from my CFPB complaint from that this account has been placed in cease and desist and it had my auto contract and monthly payments attached. After investigating my auto contract, I noticed there is a finance charge. Pursuant to 15 USC 1605, a finance charge shall be determined as the sum of all charges. Also, pursuant to 15 USC 1605 ( b ), my auto insurance should be included in the finance charge, I was also never informed of my right to rescission as well pursuant to 15 USC 1635. According to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ), I am owed double the finance charge. According 15 USC 1611 ( 3 ), I am owed {$5000.00}. According to 15 USC 1635, I am also owed any earnest money or down payment I used during this consumer credit transaction.

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 2021-04-15 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:
I sent letters to the major 3 credit bureaus about these accounts. These letters were sent on XX/XX/XXXX. 
The information provided stated that the following accounts, hard inquiries, and collections have no authority on my account, as I authorized none of these inquiries. I requested that they be immediately removed as I have no knowledge of these accounts. 
Accounts XXXX XXXX XXXX XXXX - {$380.00} The XXXX XXXX XXXX  - {$0.00} BXXXX XXXX XXXX - {$1300.00} Collection XXXX XXXX XXXX. - {$430.00} Hard Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TXXXX Total XX/XX/XXXX CXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
this is not my debt. i currently have an account with XXXX XXXX but its a prepaid account. i believe this is a case of idenity thieft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Invest confirmed me that they will not charge me a fee if I close my Roth IRA after 6 month with ally Invest. I open XX/XX/XXXX closed it XX/XX/XXXX. 
They charged me {$25.00} fee. 
I contacted them to refund as what they said. 
They first rejected. 
I followed up again, they did not reply after I forwarded their email back XX/XX/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 monetary relief