vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I contacted Equifax at 1-888-EQUIFAX in reference to error code NH I received while trying to obtain a copy of my free annual credit report at the Equifax website. I was instructed to fax over copies of a bill, social security card and picture ID. I faxed the information XX/XX/2021. I waited until mid XX/XX/2021 but I never received a reply from them. I was finally able start the process to create an online account after receiving multiple error messages during mid XX/XX/2021 : however, I couldnt complete the process because they couldnt validate my information and they needed to mail me a code. I received the code XX/XX/2021 and able to create the account ; however, I still have not had access to my credit report after several attempts. I always received a message saying that the system is down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
Please look at these charts, bank statements, return letters. You will see that we paid every month and Guaranteed rate just sent us back XXXX XXXX payment. The number of mistakes that have been made regarding our account is unbelievable. 

I have enclosed a mortgage chart that I believe will be very helpful. Please read in detail. I have also provided documentation to support this chart including : bank statements, and letters from guaranteed rate mortgage. 

I believe you will see Guaranteed Rate/XXXX incorrectly distributed my mortgage payments in the following ways : 1. In XXXX when they received 2 separate checks, one for my mortgage and another for overage of escrow they misapplied them and added them together instead 2. Our XXXX cashiers check was not only applied late despite overnighting it, but they show it applied late and now we know they never cashed it '' despite being received ''. 
3. In XXXX our payment was applied to XXXX again despite the cashiers checks being labeled and already sending a XXXX payment XXXX. XX/XX/XXXX a random amount of money was applied to our account incorrectly 5. XXXX XXXX cashiers check was sent back for no reason, after they told us that they had sold our loan. They said they would no longer service us and we would have to wait till XX/XX/XXXX. 

At this point I believe it is clear many mistakes have been made and it is absolutely unacceptable. And now they have sold our loan to XXXX XXXX so they aren't trying to help us. We have sent numerous emails and letters asking them to correct this and they have not. We have talked to numerous managers and representatives and they have given us the run around. We have been at this now for 4 weeks, they have no regard for us or our refinance we are going through. They keep ignoring us but this is hurting us. Its not only hurting my credit score with improper reporting but this potentially could make us lose our refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I have notified Aldous and Associates numerous times that the debt has been paid for. I have asked them to contact the original creditor to obtain my paid balance info. Aldous & Associates refuses to contact the original creditor and requests that I send them a copy of the invoice.

At this time if Aldous refuses to contact the original creditor I will file a suit against the company and notify the Texas Attorney general for attempting to collect a false debt that has been paid.

Aldous & Associates has been notified that the debt is paid verbally and through written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC
State: TX

Complaint narrative:
I took a title loan on my XXXX XXXX. At the time was unemployed as well as currently and applied for a loan {$900.00}. I paid them {$900.00} but their compounded interest rates were too overwhelming. At the time I told them that the car was theirs to take and the amount owed the was {$420.00} of interest after repayment of principal in full, they kept calling that they were willing to goodwill offer for the payment. But my understanding was that if I somehow could not repay them they would just keep the car after all, they have the title. But to this day I keep getting phone calls day and night as early as XXXX XXXX. XXXX. They have the car our transaction is done. I would like to somehow alleviate these harassing phone calls and real good will intervene and I not be held responsible for their compounded charges ( after all in earnest I have paid them the face value of the loan and not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Avant- credit card LLC unauthorized charges on credit card absurd fees and interest charges over 50 % of account balance, it obscene and outrageous, they should not be allowed to perpetrate these crimes with impunity Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, I am seeking help against Experian.com for negligence in allowing an unnamed person to gain access to my Experian credit account. Sometime in XX/XX/XXXX, someone was able to change my email address and password. Several attempts were made to obtain credit in my name. Thankfully, no credit was extended to this individual. 
Experian.com did not notify me of this change, and I have had to deal with the resulting fallout. 
This appears to be the result of a data breach into Experian inXX/XX/XXXX. 15 million Americans have been affected by this date breach. Please see this link : https : //www.identityforce.com/blog/experian-api-data-breach-impacts-nearly-every-american I have contacted Experian.com and they have not been very helpful. If fact the conversations I have had with their customer service department were, in my opinion, unsatisfactory and their attitude towards me were rude. I asked Experian.com to help me fight this identity theft and they have refused. Despite my repeated requests, they continue to allow the identity thief access to my personal financial information and social security number. 
I have been living in the XXXX for the past 19 months, and quite frankly want to stay here. Sadly, with the constant threat of someone gaining access to my bank account, someone has already tried, I have decided I have to return to the United States. 
This negligence by Experian.com has caused me a great deal of stress and extreme mental duress. I suffer from XXXX, I have XXXX XX/XX/XXXX, and with the constant fear of someone ruining my credit and my life, I am suffering. 
The best way to contact me at this time is by my email address of XXXX. 
Thanks, 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 2021-08-18 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: NY

Complaint narrative:
My name is XXXX XXXX My social security number is XXXX and my date of birth is XX/XX/XXXX address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX there a collection account on mycredit report from XXXX XXXX  the account is fraudulent experian supposed to block it from my report I also filed a federal trade commissions report please have experian removed this item

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 2021-08-18 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: CA

Complaint narrative:
I XXXX XXXX a natural living person never gave Equifax permission to report INACCURATE information on my consumers report define 15 USC 1681 B ( 2 ) 15 USC 1692 its been 90 days since i sent them my affidavit of truth! an no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
Hello, I was a resident of XXXX XXXX XXXX When my lease period was ending I tried contacting the leasing office to get information regarding the lease extension as well as the move out process. I was informed every time that they would get back to me and they never did. When my lease period was finally up I reached out to them again and they informed me that they never got the information and they refused to accept that it was a mistake on their end. I reached out to XXXXXXXX XXXX office on the XXXX XXXX XXXX and informed everything before Covid. They took my information and never responded. Meanwhile, the balance due was reported to collections. I am still unaware on why this happened.

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 2021-08-18 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have been writing letters since XX/XX/2021 and I never got a response. Payment history is wrongly being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a XXXXXXXX XXXX and I have a second mortgage with Suntrust mortgage, now Truist. After my forbearance ended in XXXX XXXX I applied for a loan modification in XXXX, to reduce my interest rate of 6 %, and submitted all the required documents to Suntrust. Later, Suntrust requested for another set of last 2 pay stubs, even though I had included those in my original application. They said they wanted current ones, which I sent to them on XX/XX/. They told me that was the only thing that was left for them to process my application, and that I do not need to make any payments until they make a decision on my loan modification application. They had also told me, they will not report my loan to the credit bureau, until they finalize and approve or deny the application. So, I waited to hear from them. However, Suntrust only sent me a letter dated XX/XX/XXXX, to request for the same documents I had sent them in my original application, so I called them on XXXX  to find out what they did with the same documents I had sent them, still in their possession. It's not even up to 90 days yet when that letter was mailed to me, and they told me, they needed the same information every 90 days. I asked them why they couldn't use the same ones I had sent them before. It looks like Suntrust had either misplaced my documents or were just playing games with me. They never even made any decision of approval or denial, after I sent all the required documents in my application. Why make me go through all that hassle, when they know what they plan to do and can not say it outright. I am a busy person, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I don't need or deserve this run around or treatment from Suntrust. Also, they have been charging me interest fees since throughout forbearance period, and during the loan modification period to date, even though they told me they would not charge fees. They have now reported this account as late to the credit bureau, even though they said they would not do so, and I have not received a decision on the loan modification. They have also been threatening me with foreclosure, even with no decision on my application, and this is just a second mortgage. My first mortgage is not with Suntrust, and that is current. I was only trying to modify my loan to get it current after the forbearance period, and Suntrust can not even keep to their word! I feel this is a very unfair and deceptive practice by Suntrust and they need to correct their behavior. Thank you.

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
Consumer complaint received 2021-08-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX NY XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2021-08-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2021-08-18 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. My social security number is XXXX and my date of birth is XX/XX/ my address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my complaint is that equifax refused to removed judgment from XXXX XXXX  it shows on my credit file also I filed complaint with federal trade commissions please have equifax removed this negative item

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CT

Complaint narrative:
This is actually the consumer XXXX XXXX, I am submitting THIS request because I recently looked at my credit report and noticed so many inaccurate information being reported. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. I feel the inaccurate information that is being reported in regards to my name on ( MY CONSUMER CREDIT PROFILE AND THIS IS> is adversely affecting my credit report and costing me thousands of dollars in interest every year. I am requesting an investigation into the inaccurate information on my credit report by writing a letter to Experian. The information below is inaccurate and needs to be deleted immediately. 

child support enforcement Account Info Account number XXXX Account status Closed Date opened XXXX XXXX XXXX  Account type Child Support Balance on XX/XX/XXXX Loan Amount

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 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal send me an email last XX/XX/2021, XXXX XXXX that my account was permanently limited/restricted with case no. Ref ID - XXXX without any clear basis? I don't know why and what violation I did? They never tell me and without any clear basis. As far as I know, I never violate any of their rules. This results in my business shutdown and they hold my money amounting to {$880.00} on my paypal account for 180-days. 

I have already contacted their customer service and they told me that their decision is final but, they can not disclose any specific reason why my account has been permanently restricted. And they hold my money for 180-days without any reason. 

How can I feed my family, they just let us die starving with my hard earned money on their hands? I don't know what kind of evil doing is that? I just want to get back my money and restore my account to properly run my business again. Because, I work hard for it and dedicated a lot of time on it and they just took my money and shutdown my business without any valid reason. I hope you can help me with this problem. Thank you and God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
On Wednesday, XX/XX/XXXX, I requested and review my annual credit report and noticed a discrepancy with the reporting of one the accounts listed on my profile. 

My Perkins loan through EDUSRV / Heartland ECSI did not show the accurate balance and account standing. The last updated date stated on the report for this account was XXXX  when this account has been active & received monthly payments till this date XX/XX/XXXX. There is almost 2 years worth of data missing from this report which should show active & current payments to the account with the reduced remaining account balance. 

I request to have this inaccurate information reviewed & rectified to show current account standing & balance.

Company response to consumer: Closed with explanation