vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX XXXX XXXX XXXX # XXXX LVNV FUNDING LLC # XXXX XXXX XXXX # XXXX I've never did any business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: UT

Complaint narrative:
Intrest is extremly high 35.98 % the loan is for {$12000.00}. dollars I make a payment of {$430.00} {$0.00} went to principal and {$430.00} for interest. And another thing they charge me {$600.00}. 
for loan application.The first payment that I made was for {$530.00} and when I made the above payment the balance was still over {$12000.00} dollars. I very sincerely need you help, so after I hear from you I will pay a fair balance in full I thank you in advance. 
Normally I don't go borrowing money but I was taking by scams with over {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I tried to download all three of my credit reports through the XXXX website. According to my records, the last time I had done so was XX/XX/XXXX. I was motivated to do so partly because it had been so long since I had last looked at my reports but more because a friend of mine was complaining about the unevenness of his recent experiences unfreezing his accounts. 

Indeed, while I had no difficulty accomplishing the online process of obtaining my reports from XXXX   and XXXX I ran into difficulties only with the series of identity questions posed by Equifax. This agency seems to expect a formidable amount of esoteric knowledge of one 's personal credit/financial background in order to pass the test to obtain the online report that the government requires it to provide to consumers. 

I am, of course, aware of the difficulties Equifax encountered in XXXX because it did not have adequate data security systems in place. However, it does not seem appropriate to me that the proper response to those problems should be to place greater obstacles in the way of consumer 's obtaining the " services '' that Equifax was supposedly created to provide. If they are not capable of performing these services with the same ease for consumers that their competitors do, perhaps it is time for them to retire from the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BELMONT FINANCE LLC
State: TN

Complaint narrative:
I was signed up for loan and declined to continue process on XX/XX/2020 and closed out loan. 

I was approached by sales person who also was my house cleaner and asked if her daughter could use my name on loan. I initially said yes, but after some thought decided that I did not want my credit tied to someone I was not married/related to. So I faxed in cancelling loan XX/XX/2020 and mailed in the cancellation as well. 

I was called regarding late payment in XX/XX/2020 and I contacted salesperson who told me she would get this taken care of, I was not very concerned since I had my cancellation paperwork somewhere but I did ask CS agent if there was anything I could and she said no. 
I see that the item continues to be reported on my credit report and company will not take it off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
Hello, I recently changed jobs and my income went down. I applied for recalculation of my REPAYE payment. I submitted a paystub as evidence of current income. The new payment was incorrectly calculated. It was calculated using my gross income, not my Adjusted Gross Income, or taxable  income. I am attaching the paystub with the deductions circled that are not supposed to count toward my XXXX. These are my retirement contributions ( Pension and XXXX ) and my medical FSA. My paystub clearly shows my taxable income. I receive 20 paychecks a year like the paystub submitted. I am paid 10 months of the year since I work in education, they did calculate that part correctly. I am including two paystubs just for extra verification. My new payment should be approximately {$570.00} a month, as I have a child as well. I have written to Fedloan Servicing twice since they miscalculated the payment. The last response from them was on XX/XX/2020. I have not received any further information since then. 


Thank you, XXXX XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My wife has tried to open a dispute for misinformation reported by Transunion. They have tied the wrong name to her account, thus there is added lines of credit that shouldn't belong. This information is not being reported by any other credit agency. 

Every time we call we get the run around and sent to a different Department. When she calls to follow up, she is told that nothing happened and that she needs to go somewhere else. 

All Transunion needs to do is look at the information from Equifax and Experian to realize that their system is wrong. 

She faxed in information and was again told today that they didn't have anything and she need to, yet again, send her information somewhere else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 have an account on my credit report that is fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a telephone call on XX/XX/2020 at approximately XXXX XXXX  from the telephone number XXXX XXXX XXXX XXXX XXXX. 
The caller proceeded to say the last four digits of my Social Security number and asked me if they belong to me. Highly unethical for someone to give an unverified person the last four digits of someones Social Security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I discovered a collections account when I pulled my credit report. After digging around it was determined this account was a XXXX account. The address they show that opened the account was in XXXX. I have lived in Washington State since XX/XX/1990. 
I have disputed the debt several times. I have never received any bills on this account. The address on file was determined to be fraud and was removed immediately, but the collections still remains on my credit report. 

After doing some additional investigation it appears this company does this quite often to other unsuspecting consumers. 

Focus Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My loan servicing company Specialized Loan Servicing is going to report negative information to the credit bureau due to utilizing COVID-19 payment deferral on my Federally guaranteed mortgage. Our payment deferral ends XX/XX/XXXX and in order to avoid any negative information being reported I must pay the full balance owed. This is not what the provider told me when I signed up for the deferral. 

At the time they explained at the end of the 90 day period they would break up the amount owed over 6 months and as long as we made the payment no negative information would be reported. 

Now they are claiming that since I will no longer be in a forbearance but a repayment plan that they must " report accurately '' the status of the account showing I am 90 days late but also in a repayment plan. Basically they are violating the Federal Law which prohibited reporting of negative credit information due to COVID.

Specialized Loan Servicing is a HORRIBLE organization. You want to speak to a supervisor you have to wait days for them to call you back. 

They should not be allowed to manage Federally guaranteed loans. 

I do not want my credit damaged simply because we postponed our payments for 3 months and they told us at the time that they would provide repayment options that would allow us to repay the funds without damaging our credit. 

Now they are changing their story and basically our credit will be damaged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: VA

Complaint narrative:
I did not confirm the debt. AFNI Collection Agency is reporting on my credit report of a date of XX/XX/XXXX. I have not had or paid an XXXX XXXX XXXX account since XXXX. Company is  attempting to collect on a debt that is eight years old. I have not had any contact with this collection agency besides mailing a request to verify this debt. I did not receive an response from the company and the company is reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: F&L Marketing Enterprises LLC
State: NC

Complaint narrative:
A company called cash 2 U loans has had me paying on a XXXX dollar loan in payments of any where from 70 to 100 dollars since XXXX of 2019 and the loan is not yet paid off they have been drafting unauthorized payment out of my checking account Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: IL

Complaint narrative:
XXXX and TransUnion have been reporting these fraudulent accounts under my name. 

XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH,XXXX  I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addressesXXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX OH, XXXX XXXX  XXXX   XXXX XXXX OH, XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX OH, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
A called the mortgage servicer, PHH Morgtage Services, to request a 180 day forbearance on my federally backed XXXX XXXX XXXX ) due to financial hardship directly related to the Covid-19 pandemic. I explained that my work hours had been dramatically reduced due to circumstances related to Covid-19. I explained that I was requesting this relief under the CARES act.

PHH is unwilling to offer a 180 initial forbearance as requested. They are willing to offer only a three payment forbearance, effectively 90 days. They state that after 90 days they will " review my situation '' and may be able to offer an extension. 

I believe PHH is acting in bad faith, and intends to impose needless inconvenience in order to dissuade me from enjoying the relief I am entitled to under the CARES act during this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My husband, XXXX XXXX and I, XXXX XXXX leased a XXXX XXXX. We turned in the vehicle to the local XXXX dealership. The vehicle sat at the dealership for two days before it was inspected. I took photos at the lot when we dropped the vehicle off. The claim from XXXX XXXX is now that there are damages ( excessive scratches ) over {$2000.00}. I called and submitted via certified mail, my photos and my claim that the damages could have occurred while on the car lot before inspection. I have been told that we still have to pay over {$2000.00} for a scratch. This is absurd. I have photos showing no damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28 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 have an account on my credit report that is fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: NY

Complaint narrative:
i have an account on my credit report that is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I had a car financed with XXXX XXXX XXXX with my mother being a co-signer, eventually I refinanced through OneMain Financial which was on XX/XX/2019. They proceeded to have my mom go to their store and sign papers to get her off the title, so the loan could be in my name only. My mother came off the title and everything looked good, I had a new loan and was required to get GAP insurance by OneMain. In XXXX, the car was totaled due to a hit and run while the vehicle was parked on the street, at this time my mom had moved out of the country and no longer resides in the United States. I contacted XXXX and they said they were going to fix the vehicle, but after a lengthy time at the body shop the body shop claimed it as a total, but XXXX proceeded to try to get it fixed. Eventually XXXX considered it a total loss. I told OneMain about the accident as well and confirmed I had Gap Insurance. XXXX requested my mom to sign off on the odometer statement, which shouldn't have been in the process, because she was supposed to be taken out off the title by OneMain. My mother what out of country and hard to reach, so this process took around 2 months to get her the papers and for her to send them back. XXXX proceeded to contact OneMain and collaborate with them, but there was a mishap with OneMain where they moved offices, therefore the check that was issued was not received by OneMain. Now I have poor credit, job loss due to COVID and was recently turned down for a new vehicle due to OneMain financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ

Complaint narrative:
Collection Company : Mitchell D. Bluhm & Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Alleged Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The company alleges that I owe {$510.00} in payment for anesthesia services. 

So far as i can determine, the insurance company was responsible for payment of this alleged debt. I do not owe them any money. But there is an unfavorable listing on my XXXX XXXX credit report as a result. 

Attempts to deal with the creditor have proven impossible, since they list a balance of XXXX and say the debt was sold. 

Attempts to deal with the collection agency are not possible. In the most recent case, my husband, with my approval, demanded proof of debt. He was hung up on twice. 

According to the XXXX, the collection company has victimized numerous people with falsified listings of alleged debts owed on credit bureau reports. There is no way this can be resolved with them directly. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Phantom Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was contacted XX/XX/2020 @ XXXX MST from XXXX I was told my debt was {$4800.00} and that I would owe {$6400.00} after a judgment was granted against me and my wages would be garnished and negative information would be entered against my credit report. 
I was told I could get a settlement amount or make payment arrangements before this went to court and accrued legal fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I can not connect my bank with the XXXX app

Company response to consumer: Closed with explanation