vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are reporting on my Credit Reports : RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX. XXXX, XXXX Balance {$1100.00} RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX XXXX, XXXX Balance {$390.00} RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX XXXX, XXXX Balance {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
My Wife and are receiving constant calls from Direct Recovery Services. These are recorded messages stating they are collecting a debit. The message gives no other information. I am told my account number with Direct Recovery Services is XXXX. I have XXXX and the company and logged on to their site. The account number they give references a XXXX XXXX account I do not have. I do not have a balance with XXXX XXXX. My credit report does not show any outstanding balance with XXXX XXXX. I do not have an account with XXXX XXXX that matches the account number they provide at their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: IL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Hello, I am writing to request a goodwill credit update. Most recently I have lost a grandmother due to hurricane ida. Became stuck there while trying to attend her funeral to then be impacted from XXXX  and being in the hospital for a month. During this time when I go back thru my emails I do not notice any email statements from Nordstrom. So on top of my hardships, I didnt get my statements properly. So I had a balance of XXXX originally that now became past due and now reported to the cbr for XXXX. I have never been 30 day late in the history of my account. So i called Nordstrom to ask for this courtesy to advised I had not only been impacted medically but also by a natural disaster that caused death was told no such update can be made and was advised I have a 60 day late payment and the last payment I made was in XXXX, Now with review of my statements I show with the payment I made in XXXX that left balance of XXXX left due on XXXX that payment went over 30 days when no payment was received by XXXX So the payment would not be 60 days past due until XXXX. So this request may not get me anywhere but as working for a credit institution we even have a goodwill credit update process so I really can't believe a corporation as big as Nordstrom doesnt. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
Contacted by XXXX on XX/XX/XXXX regarding a {$150.00} debit to XXXX SC, I explained that the entire amount was paid and asked for an email address to send the documentation. I sent the documents and never received a follow up neither via phone call nor a letter. I received a notification that the debt was reported to the Credit Bureau on XX/XX/XXXX. I called XXXX again XXXX XXXX and was told they did receive my documentation back in XXXX however their client had never confirmed the debt being owed or a XXXX balance nor has XXXX acknowledged my second email to them along with documentation. Instead it is reported as an unpaid XXXX XXXX on my credit report and the report did not happen until XXXX XXXX months after I originally disputed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: LA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, our Mortgage Account was transferred from XXXX XXXX  XXXX to Selene Finance. Prior to the transfer we were 7 months behind, so on XX/XX/XXXX we made a payment of {$1200.00}, which covered 4 months of the 7 months we were behind. After making the payment, we were told that we could now make a minimum payment of 1 month, until we were able to bring things current. We were also told that we had a balance of {$1200.00} to bring our acount current. On XX/XX/XXXX we received a statement from Selene Finance stating that we owed XXXX, and the minimum payment we could make was 4 months. I sent emails with notations, and a copy of my bank statement confirming that we made that {$1200.00}, and they still insist that we were 7 months behind. Due to this confrontation, and them not accepting anything less than a,4 month payment. These monthly payments have escalated to the point that they are saying we need to pay XXXX by XX/XX/XXXX, or they will initiate foreclosure procedures. I've been the owner of this home for 14yrs now. My balance in full is a little over {$36000.00}, and my home will be paid for. What do I do? These people are complicated. Sometimes when you call, it goes to voicemail, and the voicemail is full, and you can't even leave a call back number, and if you can, no one calls back!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
On XX/XX/XXXX a charge was on my Step Father 's mortgage statement for {$120.00} with the description " Fee Billed ''. We have called Mid America Mortgage and emailed them trying to get details on this fee with no success. Mid America Mortgage refers us to a different 800 number and when I call I am told to email .I sent an email three times now and called again today at XXXX and spoke with XXXX ID XXXX XXXX that no one is responding to the email inquiries and she informed my step father there is nothing she can do but escalate the issue. 

I have attached a copy of the latest mortgage statement for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail 3 weeks later from XXXX stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my weekend gathering all the documents to receive a mail like that. I am extremely upset. I have been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail 3 weeks later from Experian stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my weekend gathering all the documents to receive a mail like that. I am extremely upset. I have been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My monthly car payment is and has been set to come out of our account on the XXXX of every month via auto-pay. I have not missed a payment for a year. My husband misplaced his debit card end of XX/XX/2021, and when he went to get a replacement card I did not realize it automatically turned auto-pay off for our car note, seeing as our bank account information was included in the auto-pay and not just the debit card. XX/XX/2021 the auto-pay never went through, which I was completely unaware of as I had just had a baby 4 days before, the last thing on my mind was checking my account to make sure the auto-pay went through as it has for the past year. We did not know the bill was late or hadn't gone through since we did not receive any calls from the company until after XX/XX/2021. As soon as we found out the auto-pay hadn't been paid for 60 days we quickly paid the bill for both months and got caught up seeing as the money was sitting in our account all along. However, this has effected our credit score drastically as they reported two missed payments in the last 60 days and I feel these late payments need to be removed.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
For over XXXX years Ive tried with both ally XXXX XXXX XXXX and XXXX to resolve the incorrect information on my credit report to no avail its a perpetual circle that no one knows how to fix or care to Ally Financial has me as delinquent on XXXX Credit Report and within bankruptcy when Ive been discharged from Chapter XXXX bankruptcy sinceXXXX also Ally Financial was paid in full. When I called they have no history of my account I do not have the Vin number since the car was totaled a long while ago please help

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections. My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. I have tried credit repair bureaus and have sent numerous documents to all three credit-reporting bureaus that included-in the case of XXXX XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been disputing the following account : XXXX XXXX Account Number : XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I can still see it in my credit report. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. Misleading False Reporting : This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I contacted Navient requesting Verification of the debt Navient says I allegedly owe to them. Weeks Later Navient sent the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Master Promissory Note ( see attachment ). In this Promissory Note it's referred under the Borrowers Rights and Responsibilities Statement, the words we, us, and our refer to the U.S. Department of Education and Direct Loans are made by the U.S. Department of Education. However in the Promissory, it does not Include Navient. I am a private consumer. I never gave Navient Written Permission to Furnish Any information About me to any Consumer Reporting Agency 's, No Consent means Identity Theft. It was not clearly and conspicuous stated Navient would furnish any information about me, or be acting as a debt collector collecting payments due or owed to the U.S Department of Education. I never entered into a contract with Navient. Furthermore i am challenging the accuracy and integrity of furnished information by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. 

I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections.

My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. 

I have tried credit repair bureaus and have sent numerous documents to all three credit reporting bureaus that included-in the case of XXXX  XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. 

I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections.

My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. 

I have tried credit repair bureaus and have sent numerous documents to all three credit reporting bureaus that included-in the case of XXXX  XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX Account Number 1XXXX

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