vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Mortgage company Carrington mortgage has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I bought a XXXX XXXX in XXXX financed with Toyota Financial Services also known as TFS. I called TFS on XX/XX/XXXX and inquired about the fastest way to pay off my loan and get my title, I was advised to submit payoff on www.toyotafinancial.com, I submitted my payment on XX/XX/XXXX of the amount of {$23000.00} directly on www.toyotafinancial.com, I received a confirming email on Monday XX/XX/XXXX from Toyota payment receipt, ( email attached for docs ) also the funds were withdrawn out of my account on XX/XX/XXXX ( bank activity attached ). today is XX/XX/XXXX and my account is still showing as the open balance of the payoff amount, I have contacted TFS on the XXXX and spoke to XXXX ID, XXXX, I was advised that Toyota haven't received my payment even though I have the confirmation email and my bank statement, I requested to talk to a manager and I was told there are no managers to talk to and to call on Thursday to get a status. frustrated I waited until Thursday but couldn't get through to customer service. I called today Friday the XXXX and spoke to XXXX Id XXXX, I was told that the account is still unpaid and I have to wait until next Thursday the XXXX to get states again a requested to speak with a manager and was told again there are no managers I can speak with, XXXX inform me that they see the payment on the Toyota 's site but can't apply it to the account, she also stated that she spoke to a resolution manager and there is nothing they can do for me at this time. I need help resolving this issue, I need to get my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Due to covid-19 I requested mortgage assistance back in XX/XX/XXXX, which Citizens One submitted me a loan modification application to apply for help, which I submitted a Mortgage Assistance Application and was confirm received as of XX/XX/XXXX. Was identified that it would take 30-45 days. In the mean time I was place on a Forbearance to avoid being late on my credit. I was following up with my mortgage company to make a least 1 mortgage payment and to inquire on the update on the modification packet. So I waited for months and each month I was identified that its under review, I was also identified to in XX/XX/XXXX that a deferment was an option, however, I identified that a deferment would not help because the reduction in my income. I shared multiple times that I need to be review for a modification and that again not for a deferment. However, Citizens One ends up offering me a deferment and said I was denied for a streamline modification because my account needed to be 90 days past due and that they did not review my file for a traditional modification, the packet they received in XX/XX/XXXX was never reviewed and if I need help with a loan modification I have to re-apply. Even though my original packet was never reviewed. The company appears to be using a " Bait and Switch '' tactic, because I asked for a loan modification review, submitted an application and they switched it for a deferment, this appears to be a tactic to stall and delay my account for me to go further past due in order for them to foreclose on my home and take it from me, I have been patient due to covid. Now the only way they are willing to help is by demanding another loan modification application, which is unnecessary since they never review me from the start with the original application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC
State: WI

Complaint narrative:
I was contacted multiple time by the company regarding a debt. I told the company that the debt is not mine. I was told basically told that it is mine and I need to pay now. Caller was rude and pretended like he was someone else to get me to give him personal information. 

I was not told that I can dispute within a specific timeframe or any information except to pay or else.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Mortgage company XXXX XXXX  has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Mortgage company XXXX XXXX has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: GA

Complaint narrative:
Mortgage company XXXX XXXX  has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
XXXX XXXX, XXXX -I received notification about debt through National Credit Systems , Inc . I immediately set up payment arrangements with XXXX XXXX Collection Representative. I scheduled 3 payments of {$75.00} first payment for XX/XX/XXXX. I contacted the representative again on two other occasions XX/XX/XXXX and XX/XX/XXXX for payments of {$75.00} for six months. These payments did not post though I gave the Representative checking account information on each of the dates stated above. 
On XX/XX/XXXX, NCS reported the debt to the credit bureaus. I again called Mr. XXXX to inquire why the account was reported to the credit reports and he couldn't answer the question. I asked for a letter stating the payment arrangements including a letter stating the account will be removed from the credit report. Mr. XXXX stated he couldn't give me either letter because NCS doesn't do that. I asked to be a supervisor and was directed to 2 separate individuals who did not answer their phones. I have requested 3 different times to talk with a supervisor, promised callbacks, and have not heard from anyone. I requested from Mr. XXXX the ability to make payments online and he stated NCS doesn't do that either. He refused to provide documentation to the above payment arrangements and the request of date removal from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
It began when they took over our loan. They don't answer questions. They never sent the proper documentation to explain they had purchased the load. Late payments were made because they double billed us with two different loan companies. During the pandemic they charged us late fees for being late even though the post office was delayed because of the pandemic. This is the same company that kept our repair money instead of paying it to us. XXXX and Loancare both send us a statement for the one house. 

The numbers on each statement aren't the same and one says we are two months late and the other one says we are current. On XX/XX/2021 XXXX shows {$2300.00} total amount due. On XX/XX/2021 Loancare shows {$1400.00} due. They also say we have an escrow shortage of {$1800.00}. Very difficult to know what is really going on here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am writing to dispute the following information in my file. 
Items : Comenity / Full Beauty and Comenity / Wayfair is inaccurate because these accounts were paid in full directly with Comenity on XX/XX/2021. Comenity sold the account to XXXX XXXX XXXX after I made the payment, and now the monies are just sitting in space somewhere unapplied. The company the sold the debt to, XXXX XXXX XXXX is now coming after me for the money. I am requesting that the item be updated as paid in full immediately and reflected as such on my credit report. The attached letter from my bank confirms the funds were satisfied and Comenity still has not updated the account or reported it as paid to any credit bureaus. The attached letter from my bank was sent to Comenity on XX/XX/2021 at their request. I have had up to a dozen phone calls with Comenity to remedy this and to be spiteful, the lowered the balances on my other Comenity held cards. They have confirmed receipt of the letter from my bank and still they have not taken action. After accepting my full payment, they sold it for pennies on the dollar and now I have two collectors coming after me for a debt that I paid in full. 

Please investigate this matter as soon as possible as I have exhausted all resources to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$3900.00}. They have reported used XXXX, XXXX  and XXXX to damage my credit. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt.

I request that your services remove these infrastructions from my SSN.

I demand this company remove the negative inquiries from my SSN from any credit agencies included but not limited to XXXX, XXXX, and XXXX. I also request that my information be moved from this company 's data base.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
on XX/XX/23 chase closed all my credit cards with them. I tried calling them and asked for an explanation and they simply said it was a business decision on their end. I then said since they closed the accounts no me of which I paid annual fees on were they going to refund my annual fees, They refused to pay any of the annual fees back on 2 of the 3 cards. one card the fee was charged 20 days prior so they said they would refund that card but the other 2 they said no because its more than 30 days after the fee was charged. I reiterated that I did not initiate closure and they are not giving me access to the card for the year so why should i be paying for annual use of a card that they have closed. The 2 cards were the chase southwest priority card {$140.00} annual fee, the other the united explorer mileplus card {$95.00} annual fee, the agent refused to refund any of the annual fees on those 2 cards, she kept repeating that they have the right to close the account at any time. which i understand I was asking for a refund of fees I paid since chase decided not give me use of the cards for the full term i paid for. the cards i was not paid back the annual fees for ends in XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The problem with this issue is rather simple. I have held a Citi Credit Card for almost 18 months. Per the card holder agreement, after 18 months the card would become unsecured. I received a notice stating that that Citibank has decided to continue to hold my deposit and keep my card secured, as this will continue for another 12 months. This is highly deceptive. I have paid on my credit card with Citibank, without a single delinquency. I have stayed within my credit line and I have even opened more credit cards, which are not secured. I have opened a checking and savings account with Citi, in XXXX. I do not understand why Citibank is doing this. They have issued me a XXXX credit card with a {$800.00} limit, which is from their retail side. I certainly understand if there was a horrible pattern of delinquency, but there is nothing. I have cleaned out and cleared all collections on my report. I have refinanced my car at a far lower rate. My credit economic and income situation has changed greatly and to the positive since I obtained this credit card back in 2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX I withdrew {$1000.00} from bofa atm machine locate in XXXX, on XX/XX/XXXX I went back to withdraw money again knowing I had a balance of {$320.00} and got denied. I immediately contacted bofa card services and filed a fraud activity. A week later I received another card along with a denial letter/stating case was closed. I called and asked why was it closed and was told told it needs to be re opened in which they did. I kept calling y other day to follow up on my money and was given different answers every time. On XX/XX/10 I was told by a claims supervisor to write a letter stating my account was fraudulently used and provide my drivers license in which I went to a Bank of America Branch and had representative fax ( have proof of both ) I called today and spoke with XXXX claims supervisor. Very rude and unprofessional person. She stated that the case got closed again and denied the decision is final. Asked why and she stated there is nothing attached. Told her I have proof of both fax confirmation and letter. Why didn't they send me a warning rather than closing the case. She kept talking over me and left me no choice but to hang up. I even advised her I filed a complaint with XXXX ( claim # XXXX ) in which Bofa never complied or responded. BofA needs to refund me the money they gave to unauthorized user

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 2021-04-23 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: CT

Complaint narrative:
An affidavit was sent to EquiFax due to someone attempting to open accounts using my name and social. Due to this, hard inquiries were placed on my account and negatively impacted my credit score and my ability to get approved for funding. 30 days passed and a letter was received stating they needed a copy of my ID and Social which was sent in the original packet sent to them. Original packet was sent on XX/XX/XXXX and it included the affidavit, dispute letter, and copy of social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: MD

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my two daughters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
A very rude man from a company called Midland called me at work ( after he was told not to ) and wouldnt let me speak. I had to hang up on him.

Company response to consumer: Closed with explanation