vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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: I.C. System, Inc.
State: PA

Complaint narrative:
I have a loan with XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-12 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have a loan with XXXX XXXX XXXX  XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX  XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/20 I received a letter from Citibank telling me that I have opened a checking and savings account. I have never opened a checking or savings account with them and I only hold a credit card account with Citibank. 
I immediately called them to report it and was told that they will investigate the issue. 
I still have not received any updates as to why the account was still open and active. I even got the debit card and the checks in the mail. I called XXXX to let them know that I got those items and that the accounts are fraud and I wanted it closed.

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 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar mortgage aka Mr. Cooper was my mortgage loan servicer until they sold my Mortgage and transferred servicing to XXXX XXXX XXXX XXXX in XXXX 2018. 

Nation star has previously removed this 30 day late from one of the three bureaus as was requested over a year ago but for some unknown reason they are being obstinant about removing this very same 30 day late from the remaining XXXX or XXXX XXXX bureau that still shows it as a derogatory 30 day late. 

this payment was never 30 days late it was paid to nation star during the time of the transfer and they did not log it properly and I was told they did not log it properly and forward it to the new lender servicer per protocol I was furthermore told that they could not legally report any late payments to any bureau as the consumer By law when a mortgage loan is being transferred for 60 days there can be no late charges or late reported because of the confusion that often occurs with the transfer and sale. 

nationstar, on a phone call sometime in XX/XX/2018 confirmed receipt of payment and said not to worry, they could not legally report lates to the bureaus - she said consumers are protected by law against that happening during time of a mortgage loan transfer for 60 days before and even 60 days after transfer, the new lender could not report any lates either. 

i have asked XXXX and/or XXXX to investigate the incorrect reporting but nationstar without properly investigating the Details just sends boilerplate response with no explanation and not correcting their error - remove the 30 day late reported in error. 

Nationstar is not properly investigating this sale and transfer of my mortgage during fall of XXXX because if they had they would have already deleted the 30 day late that is being reported erroneously and i would not be forced to ask the CFPB to step in at this point to get them to fix their error once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: AZ

Complaint narrative:
I have been a victim of identity theft and my personal data has been exposed in an XXXX  data breach. I am attaching documents to support my claim.

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 2020-08-12 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: MD

Complaint narrative:
I want a reinvestigation of all my disputes with EXPERION. And the manner in which the investigation was carried out.? 
And by FCRA LAW as enforced by the FCC, I request that EXPERION include the name and phone number of anyone contacted in connection with the reinvestigation

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 2020-08-12 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: AZ

Complaint narrative:
I have been a victim of identity theft and my personal data has been exposed in an XXXX  data breach. I am attaching documents to support my claim.

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 2020-08-12 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: MS

Complaint narrative:
LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF ACCOUNTS WAS OPEN OUT OF THE CITY OF XXXX AND I STAY IN THE XXXX, MS SO IM NOT UNDERSTANDING HOW MY INFORMATION WAS STOLEN HAD TO BE A DATA BREACH CAUSE I HAVE NEVER SEEN OR OPEN 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 2020-08-12 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: I.C. System, Inc.
State: CA

Complaint narrative:
I have a loan with I C SYSTEM ( Original Creditor : XXXX XXXX  XXXX XXXX ), XXXX  XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, I C SYSTEM ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ), XXXX  XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-12 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I checked my credit report and saw a hard inquiry from Syncb/paypal I never applied for anything from them. I called and they confirmed that it wasnt me but they never deleted inquiry from 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 explanation
Consumer complaint received 2020-08-12 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: ARS National Services, Inc.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and ARS ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and ARS ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I have contacted PennyMac numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting PennyMac reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from PennyMac confirming the extension of my forbearance plan thru XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The XXXX XXXX XXXX Account on my Experian Account was paid in full and needs to be deleted off my credit report I paid XXXX XXXX XXXX XXXX in XX/XX/2020 and it hasnt been removed from my credit file and report after they told me it would

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 2020-08-12 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: MS

Complaint narrative:
LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF ACCOUNTS WAS OPEN OUT OF THE CITY OF XXXX AND I STAY IN THE XXXX, MS SO IM NOT UNDERSTANDING HOW MY INFORMATION WAS STOLEN HAD TO BE A DATA BREACH CAUSE I HAVE NEVER SEEN OR OPEN THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ),  XXXX XXXX ( Original Creditor : XXXX  XXXX ), and CAINE WEINER ( Original Creditor : 01 XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ), and CAINE WEINER ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: MS

Complaint narrative:
INFORMATION WAS STOLEN IN A DATA BREACH I HAVE NEVER LIVED IN XXXX, TN I LIVE IN XXXX, MS THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVED ASAP.

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 2020-08-12 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: DISCOVER BANK
State: OH

Complaint narrative:
Checked my XXXX XXXX  and send a unauthorized hard inquiry and I never applied for any credit products for discover bank. Called and they still havent removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Patenaude & Felix A Professional Corporation
State: VA

Complaint narrative:
I have received collections attempts from 5 different companies in the past year. I have been unemployed or underemployed since XXXX and this latest company has increased the loan by almost $ XXXX in the last 6 months. I dont know how to deal with these companies because even when I was able to afford to pay them the amount of money owed never seemed to reduce. In fact, it just seemed to increase every time it switched hands. The original loan with XXXX XXXX  was for {$8600.00}, today I owe {$7200.00} according to XXXX XXXX XXXX XXXX. According to XXXX, XXXX and XXXX XXXX, XXXX, I paid appx {$8500.00} between XXXX on this loan. However in a packet from them dated XX/XX/XXXX, I found out via a note disclosure statement dated XX/XX/XXXX that my loan was actually for {$22000.00} which I did not know and if I had known, I wouldve never agreed to it. This was for a 6 month, 2 night a week XXXX XXXX  that promised job placement, ongoing use of facilities and equipment and ongoing education. Not only did XXXX  XXXX XXXX XXXX not fulfill their part of the agreement, they closed without notice 3 years after I attended the course. When I attended the school they had 44 locations, a very big selling point. They currently operate in only 6 cities. 

Additionally, I accepted this loan with the understanding it was a student loan to an accredited school. It was XXXX-certified to operate in Virginia from XX/XX/XXXX to XX/XX/XXXX. The school had an admissions  set up just like a XXXX college and I was very young/naive to believe it was legitimate. I come from a family with very little money, my mother and I didnt know or understand that we were entering a contract for an unsecured personal loan or how badly that would come to effect both of our lives and credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Checked my XXXX XXXX  and send a unauthorized hard inquiry and I never applied for any credit products for XXXX XXXX. Called and they still havent removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The account XXXX XXXX Bank on my credit report was paid in full and I was told by XXXX XXXX XXXX XXXX who owns and bought the account that it would be deleted off my credit report and it hasnt and its been paid in full since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied for the sba loan is was approved for the amount of XXXX. Setup my account for direct deposit. After I set up my direct deposit with the bank I have which was XXXX XXXX at the time. I received an email from my loan office that I could not use that account because they are having to many problems with fraud. So I open an account with td bank. My loan was deposit on XX/XX/2020. I had access to my money that morning. At XXXX XXXX  that day I went to an atm to withdraw cash to pay for thing that I need for my business the card declined and it said stolen on the Atm. That morning I withdrew XXXX. At td bank. So I call the 1800 number on the back of the card to speak with customer service I was advice I had to go to. Local branch with my Id and my paperwork for the loan. By the time I was able to talk to someone it was after XXXX so I went to the local branch on the next business day XX/XX/2020. I was told by the teller that the paperwork work that I had I couldnt which was my loan paperwork my ein number and my Florida Id and accountant information. She told my that I was not going to be able to get no money out of that account and I still will be responsible for that loan. If I responsible for that loan I need my money Im contacting my lawyer ASAP How can your complaint be satisfactorily addressed? 
Not satisfied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The account XXXX XXXX Bank on my credit report was paid in full and I was told by resurgent capital services LLC who owns and bought the account that it would be deleted off my credit report and it hasnt and its been paid in full since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: NC

Complaint narrative:
I have been going back and forth with Exquifax and XXXX  for almost 4 years. 
My credit report had several items on it that do not belong to me. Tons of inquiries that I have no knowledge of. My identity was stolen years ago. I forwarded all of my info over to the bureaus with a police report and all. Also I was a victim of identity theft by someone proclaiming to hire me on a job last year. ALL OF MY PERSONAL INFO WAS STOLEN. I have a police report to show that I reported it. I passed on to each a Bureau but nothing has been done. 
The only thing that they do is have lenders call to verify my identity when I need to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: NC

Complaint narrative:
I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XXXX/XXXX/2020.

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 2020-08-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XX/XX//2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XX/XX/2020.

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