vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: OH

Complaint narrative:
My husband received a letter dated XXXX XXXX from a Collection agency ( afni ) stating that he owed {$640.00} to XXXX XXXX XXXX. In the letter they ( afni ) indicated that they were willing to accept {$420.00} to resolve the account. 
In the second paragraph they ( afni ) indicated that unless we notified their office within 30 days of the notice they would assume the debt is valid. And if we did not dispute the validity of the debt in writing within 30 days they would obtain a judgement and mail us a copy of the judgement. 
We are very suspicious of companies trying to scam people and try to get their personal information. 
The issue is -- - my husband has never had an individual account with XXXX XXXX XXXX. 
On XX/XX/XXXX we contacted the billing department with XXXX XXXX XXXX and I spoke with an XXXX. XXXX researched our current account with XXXX XXXX XXXX and could not see any evidence of a past due amount. He transferred me to the XXXX XXXX at XXXX XXXX XXXX. I spoke with a XXXX. He pulled up the XXXX XXXX XXXX acct. number and asked me what the passcode was for the account. we told him we didn't know a passcode as we did not have that account. He could not give us any information about that account like DOB or any other information for the person other than my husbands first and last name. he kept asking for the passcode and we kept telling him we did not know the passcode for that account. Today XXXX, we went to an XXXX XXXX XXXX XXXX - they were able to look up that account for us and told us it was cancelled on XX/XX/XXXX. He helped us get a passcode and the security question and the email address, which was for a email that we did NOT know. The XXXX of the XXXX XXXX XXXX XXXX told us that the account was an XXXX XXXX account ''. We don't even know what that means. He told us he didn't have the authority to correct the situation but to call the fraud unit at XXXX XXXX XXXX and tell them all the information and they could stop the collection agency. When we got home my husband called XXXX XXXX XXXX asked for the Fraud unit and it just directed him to the XXXX XXXX XXXX website. Needless to say we are being given the run around by XXXX XXXX XXXX and can not get this stopped we don't want to call the AFNI collection agency as we do not want to give them any of our personal information as we believe this is a phishing scam. But we also do not want our credit ruined by this falsehood. Any help you can give us would be greatly appreciated. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the SOL for this loan. This loan was removed from my credit report several years ago due to the SOL and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to navient to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the SOL to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the SOL and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I contacted Bridgecrest several times, the last time was XX/XX/XXXX asking them to update wrong information they were reporting on my account. Bridgecrest has reported that they last receive a payment from me XX/XX/XXXX when I have made multiple payments. Bridgecrest show that I am 30-60 days late on my account and I am not. Bridgecrest also states that I have been 79 days past due which is a lie. I got COVID extensions from Bridgecrest which stated I would not be penalized credit wise. Bridgecrest has a history of inaccurately reporting on consumers files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TX

Complaint narrative:
I was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 Cadillac I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!

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 2021-03-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
I made the monthly payment of {$1400.00} on XX/XX/2021 to satisfy my monthly mortgage due on XX/XX/2021. The amount was taken out from my XXXX Bank account. However, on XX/XX/2021, this mortgage company reversed the payment, claiming that it was " Misapplication Reversal ''. I have been trying to contact with them, but they refused to respond. Furthermore, I am not sure where {$1000.00} payment and reversal came from. 

I am in fear that they are using this tactic to foreclose my property. This is unconscionable and I hope CFPB would investigate it.

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 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I bought a car from a friend back in XXXX and before the title was transferred to me, there was a bridge toll incurred on the car. After they contacted my friend for payment, I helped them resolve it and called the toll office. I paid the amount that I owed, and now in XXXX they sent my friend a letter saying that it was never paid and it has been sent to a collection agency. They are threatening to take the so-called owed amount out of my friends tax return. When I spoke with the bridge toll office back in XXXX they told me it was fully resolved, so we shouldnt have to deal with this. 
The collection agency that sent the letter is called Professional Account Management , LLC and is based in XXXX, WI. The letter was addressed to my friend XXXX XXXX in XXXX, CA. I have tried the agencys phone but cant get a representative on the line to help me resolve this.

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 2021-03-31 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( ( Original XXXX CREDIT XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I had a car loan. The car was in a flood and the insurance company considered it a total loss. The insurance company paid the car off in full, but because they had to do an investigation it took a little longer, in the meantime I was in communications with Chase Auto, the insurance company was in communication with Chase Auto. Chase Auto was paid in full by XXXX insurance for the total amount of the loan, however Chase continues to report this debt to my credit report as " charged off/paid in full ''. A debt can not be both paid in full and charged off as bad debt. This is the latest way that they have chosen to report this debt. Previously they had begun reporting the debt as I owed them {$84.00} AFTER my insurance company had called for a payoff amount and paid Chase Auto, I disputed that and then they reported it as a charge off. They absolutely refuse to abide by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The company XXXX XXXX AND XXXX XXXX XXXX reported an account to XXXX  without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires XXXX XXXX to send a notice before reporting negative information to credit reporting agencies. In this case, I was NOT sent a notice therfore, I am requesting XXXX to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company XXXX XXXX AND XXXX XXXX XXXX reported an account to XXXX without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires COLLECTION AGENCIES to send a notice before reporting negative information to credit reporting agencies. In this case, I was NOT sent a notice therfore, I am requesting XXXX to remove this account from my credit report.

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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
I applied for mortgage in XXXX, Loan Depot wholesale mortgage and received approval at the beginning of XXXX. It was commitment with conditions. All conditions were emailed few times to underwriter and were accepting. I extended closing 2 times and paid for extensions. All the time I received requests for same documents, and these documents were submitted a few times. Day before closing, the underwriter kicked back file asking same documents as a missing item. And the request was made at the same day with the closing. The missing items didnt even related to the mortgage conditions or approval, and by law they can not ask for it. Today is the closing day, and the underwriter did not answer phone calls or emails. Tomorrow, the buyers will walk away from contact, and will keep my deposit because the mortgage bank playing games with my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
FAY SERVICING DOES NOT REPLY TO LETTERS OF COMPLAINT OR QUESTIONS. 

APPEAR DISCRIMINATION XXXX MAN. KICK TO CURB MENTALITY. 

STOP FORECLOSURE I ALSO GET CHECK FROM 2011 TO FUTURE. SO IM NOT AT FAULT OR DELINQUENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have used this company with the legal name coinbase pro. I have transferred money from my bank account to my digital wallet in coinbase pro to use for trading currencies on their platform. Now I cant widraw my money from the digital wallet stored in coinbase pro. My account have been disabled with no explanation and my funds have also been blocked. I have send several emails in attempt to have my money back or transferred back to my account but no response. I have XXXX in US dollars in my coinbase pro digital wallets that I cant widraw because they disabled my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TX

Complaint narrative:
Account information does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
After viewing my credit report I noticed that this item is reported inaccurately. The FCRA Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Closed and paid XXXX auto loan account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's

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 2021-03-31 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: NY

Complaint narrative:
Closed and paid XXXX auto loan account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's

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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
When COVID hit I lost my job. After learning of forbearance options ( XX/XX/XXXX ) we started the inquiry process with our lender, Great Lakes. However, once we were provided Great Lakes terms which require full payment of all skipped months on the first month concluding the forbearance ; we informed Great Lakes XXXX in writing ) that we would not be proceeding. Several months later XXXX XX/XX/XXXX ) we started refinancing applications and learned that Great Lakes had reported our loan as being in forbearance. Regardless of Great Lakes error, we were able to complete refinancing with another lender. ( The entire time I continued communications with Great Lakes to have the error corrected ). Today ( XX/XX/XXXX ) Great Lakes informed us that they would do nothing to change the reporting, as the loan is no longer with Great Lakes. They included some gibberish that the comment in the credit report should not be stored historically. 

This is truly the worst type of error during a national crisis. Theyve never stated appreciation for our business, refused to provide forbearance policies that would actually assist clients in a time of need and now refuse to correct their error - horrible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Closed and paid account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the XXXX for this loan. This loan was removed from my credit report several years ago due to the XXXX and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to XXXX to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the XXXX to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the XXXX and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.

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 2021-03-31 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: CO

Complaint narrative:
My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the XXXX for this loan. This loan was removed from my credit report several years ago due to the XXXX and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to XXXX to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the XXXX to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the XXXX and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CO

Complaint narrative:
My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the XXXX for this loan. This loan was removed from my credit report several years ago due to the XXXX and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to XXXX to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the XXXX to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the XXXX and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.

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 2021-03-31 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: LA

Complaint narrative:
someone has been going to the hospital under my identity, which is fraud. I also have active XXXX insurance, and it is placed for collections.

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 2021-03-31 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: TX

Complaint narrative:
Account information does not belong to me

Company response to consumer: Closed with explanation