vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I received notification from the credit bureau that a collection had been placed on my credit file. I looked up the company. found their address and sent them a letter stating that I never received any correspondence fro them and that i did not know who they are or what this was for. 

The company sent me a new letter stating that debt was mailed to me on XXXX. All that i can say is that i never received a letter from them. I also advised that them that i have insurance which wound have paid it. There is no reason for me not to have paid a {$47.00} bill except i did not receive it. 

I've also had some issues with some on using my name - which make me even more suspicious. I didn't tell them this because its not their business. I just never received a letter from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting inaccurate information on my credit report. They are reporting a XX/XX/2020. I recall making this payment on time, and I am not sure why they are reporting a late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: CA

Complaint narrative:
i just pulled my annual credit report and saw several errors reporting

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 2020-03-27 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:
i just pulled my annual credit report and saw several errors reporting

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 2020-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: TX

Complaint narrative:
During this pandemic, I have conn 's credit account for a laptop they informed me they have no services available to defer my payments. I also have a mortgage and credit cards, we need help to defer these payments. what can I do if I have already contacted them. I informed them I have a shelter in place order. They still offered me no help. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
My mortgage company is refusing to pay my property taxes out of my escrow account for tax year XXXX. In XX/XX/XXXX PHH Mortgage contacted the XXXX County Oregon Tax Assessor to get my property tax information as usual. At the beginning of XX/XX/XXXX, I received a tax notice from the county showing my taxes had not been paid. Per the instructions on my mortgage statement, I immediately mailed the notice to the mortgage company tax department on XXXX XXXX and it was delivered by USPS Priority Mail on XXXX XXXX. 

I began calling customer service on XX/XX/XXXX asking them to pay the taxes immediately. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. 

On XX/XX/XXXX I filed a complaint with the Oregon Department of Consumer & Business Services. On XX/XX/XXXX PHH sent me a letter saying they would provide a written response to that complaint by XX/XX/XXXX or notify me if a 15-day extension is necessary ( they have done neither as of XX/XX/XXXX ). 

On XX/XX/XXXX PHH sent me an email stating that they had paid my property taxes for XXXX. On XX/XX/XXXX the PHH website showed they had paid no XXXX taxes but had already paid XXXX property taxes and debited my escrow account. On XX/XX/XXXX I confirmed by email to XXXX   County Tax Assessors that they had not received any tax payments yet for my home. Today on XX/XX/XXXX I tried calling 4 different numbers for PHH mortgage and all of them say there are no customer service representatives available and then disconnect. I tried emailing the account that emailed me saying the taxes had been paid and received an auto-response that they would try to reply within 10 days. The Escalations Manager at PHH who worked on this is named XXXX and her direct line is supposedly XXXX ext XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
XXXX has committed fraud and falsified legal documents relating to student loan wage garnishment. A garnishment appeal was submitted to the deb collector Delta Management Associates who contracted with XXXX to make a judgement regarding my appeal. 

XXXX  is unable to do simple math and/or they failed to look at my pay stub for the correct information. Either way, XXXX has has committed gross incompetence, placing a financial burden on the debtor. 

The pay stub clearly shows a wage garnishment of {$320.00} per pay period. However, XXXX states in their appeal ruling that the wage garnishment is {$160.00} ; therefore, the incorrect number was used to calculate disposable income, which was used to deny my appeal. 

In addition, XXXX  lies about sending the Notification of Written Administrative Hearing to my correct address in a timely manner. A copy of the Notification of Written Administrative Hearing show an incorrect address, which XXXX representative XXXX XXXX accused Delta Management Associates of providing XXXX the incorrect address. 

Furthermore, XXXX  is motivated to rule in favor of Delta Management Associates in order to maintain selection by the debt collector and continue their revenue flow. 

The wage garnishment of XXXX is {$2.00} per pay period based on my income and expenses yet XXXX fails to implement the same standard in calculating the garnishment amount based on my financial situation. 

Furthermore, XXXX did not take into consideration my extenuating circumstances regarding my father 's death ( a certified Death Certificate was included with the appeal ) and my brother 's SSI XXXX. 

I request XXXX to reduce the wage garnishment in accordance with the law to match the same wage garnishment as XXXX  retroactive to XX/XX/2019, and order repayment of {$3500.00} to me from Delta Management Associates. 

In addition, I request the California AG investigate XXXX for predatory business practices and kickbacks from Delta Management Associates for ruling in favor of the debt collectors while using incorrect dollar amounts in their calculations.

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 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have been making bi-weekly payments and monthly payments. None of the payments are being applied property. They kept showing my payments are unapplied. Payment processing is not properly reflecting my payments. Payments are consisting receiving but on hold somewhere. I need an audit so this lender will fix their payment processing system. I requested to cancel the bi-weekly payment but they are still processing unauthorized payments. Yet they are not reflecting properly on my principal balance. I need help before they illegal foreclose on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check that is actually with chase bank as well. They put a hold on the funds until XX/XX/XXXX. I live paycheck to paycheck and this has not caused a financial hardship for me especially with the coronavirus pandemic were having right now. I would like my funds available now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: PA

Complaint narrative:
I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, XXXX and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2019 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX ACCOUNT # XXXX AMOUNT {$2200.00} XXXX XXXX, XXXX ( ORIGINAL CREDITOR : XXXX ) ACCOUNT # XXXX AMOUNT {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX MN XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: PA

Complaint narrative:
I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, Transunion and XXXX are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove  requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2019 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX ACCOUNT # XXXX AMOUNT {$2200.00} XXXX XXXX, XXXX ( ORIGINAL CREDITOR : XXXX ) ACCOUNT # XXXX AMOUNT {$740.00} XXXX XXXX XXXX XXXX  XXXX MN XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX PA 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 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
In light of Covd19 I have been trying to contact Rushmore Loan Servicing about Forebearance or assistance with reduced payments during this time. My income has been tremendously effected at this time and I am unable to make a full payment. I do not want my credit affected, as well. 

I have tried numerous times to make a phone call and they are not taking calls. The message states to go online however in doing so the ability to chat or send an email is also null and void. 

This company has STOPPED ALL LINES OF COMMUNICATION. 

IT IS AS THOUGH THEY DO NOT WANT TO ASSIST COSTUMERS IN ANY WAY. 

CAN YOU PLEASE HELP ME AND COUNTLESS OTHER CUSTOMERS WHOM ARE TRYING TO GET THIS ISSUE RESOLVED. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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:
I was applying for a car loan today XX/XX/2020 and I was not approved because to my surprise, there are accounts in negative standing appearing on my credit report. I looked through each accounts and I found a few that are not mine. I listed all of the accounts that are not mine on this report. I did not allow anyone to open those accounts in my name ; I do not have a written/verbal contract with any of those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I never made any purchases or payments towards these accounts. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020, my bank was insufficient to provide CashTime Title Loans {$82.00}. On XX/XX/XXXX I came down with something like a virus. But as we speak I still have it. Which isnt normal. I went to urgent care but they didnt give me anti-biotics and said I just had a virus. Our state wasnt testing people for XXXX.  So since then I have been off and on working. I took the news media advice by quarantining so I dont get other people sick.Between XXXX I didnt work at all. So my check today was really small. 

I called CashTime today around XXXX XXXX  today and told them whats going on. I said would you be willing to work with me. I made 7 on time payments of XXXX which totals XXXX and I only borrowed XXXX dollars. So I asked them I have given you XXXX bucks. I had no issues. But now Im really sick - probably from XXXX. I lost a lot of hours at work. I barely have enough for my rent money. Could I give you the remainder XXXX dollars. And we call it even? I no that doesnt include interest. But you have me at 179.15 % APR. normally I understand your running a business. But right now were living in different times - requiring 180 APR during this pandemic is quite hardcore. XXXX from CashTime said we can not do that. We cant just settle like that. I said okay. Well can I give you XXXX. That will cover some interest as well. She said all we can do, is you can pay XXXX dollars toward interest today and have two weeks to pay a normal payment. She talked to her manager and said there was something they could potentially do as well if I cone in. But it sounded like it would just be rewriting or refinancing a new title loan. Which isnt smart if thats true. Not sure what they were talking about. 

CFPB, I wanted to see if there was anything else that could be done. Because holding to that 179.15 APR although technically legal due to contractual agreements in the state of AZ, I feel is unethical and predatoral based on the time were living in.

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 monetary relief
Consumer complaint received 2020-03-27 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: CA

Complaint narrative:
I was applying for a car loan today XX/XX/2020 and I was not approved because to my surprise, there are accounts in negative standing appearing on my credit report. I looked through each accounts and I found a few that are not mine. I listed all of the accounts that are not mine on this report. I did not allow anyone to open those accounts in my name ; I do not have a written/verbal contract with any of those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I never made any purchases or payments towards these accounts. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding these suspicious 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 2020-03-27 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:
I was applying for a car loan today XX/XX/2020 and I was not approved because to my surprise, there are accounts in negative standing appearing on my credit report. I looked through each accounts and I found a few that are not mine. I listed all of the accounts that are not mine on this report. I did not allow anyone to open those accounts in my name ; I do not have a written/verbal contract with any of those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I never made any purchases or payments towards these accounts. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding these suspicious 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 2020-03-27 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: VA

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken. This negative and inaccurate information is negatively impacting my 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 2020-03-27 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX These inquires are not mine, i have never authorized these. I believe i am a victim of identity thief.

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 2020-03-27 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX These inquires are not mine, i have never authorized these. I believe i am a victim of identity thief.

Company response to consumer: Closed with explanation