vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 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: Lending Club Corp
State: CA

Complaint narrative:
I had asked for reduced payments with LendinfClub so I did not miss any payments since I had lost my job in XXXX 2020. LendingClub granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from LendingClub. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a hardship plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to LendingClub falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by LendingClub still reporting those XXXX  payments as delinquent. I need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: CA

Complaint narrative:
I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XXXX 2020. XXXX granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a hardship plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need 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 2020-09-26 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: CA

Complaint narrative:
I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XXXX 2020. XXXX granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a XXXX  plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: CA

Complaint narrative:
I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XX/XX/2020. XXXX granted the XXXX plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a XXXX plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need 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 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
This is my 2nd Complaint against XXXX. As of this complaint they have still not applied my XXXX payment for XXXX properly which has acquired a late fee. By them Not applying my payments properly this has Also produced a Deficit in my escrow, Also I'm paying pmi insurance which i no longer need.I have been patient and tried to work with them to rectify this situation, this is my 2nd complaint. the uploaded information will show i have paid my mortgage on Time every month, Their INCOMPETENCE has led to total Kaos and confussion.I 've even asked for them 2 Sell my mortgage. if they review the attached documents they will see where Their Incompetence has cost me both Time and Money. After this complaint, I will be retaining an attorney to sue, Expose them on social media for the Frauds they are, alert every news station possible for an investigation in to their practices.I 'm tired, We are in one of the worst crisis and they are to XXXX  to properly apply a simple mortgage payment that was coming every 2 weeks? I changed XXXX payment to 1 and sent it at the the end of the month, as the document will show IT WASN'T applied properly meaning the xtra 100.00 is Unnapplied. Call me talk to me, lets go Over my payments from the start and assess my escrow and fix this, Please? I promise I'm Not Going away and you will be exposed for the frauds you are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: WV

Complaint narrative:
I financed a vehicle through XXXX XXXX on XX/XX/XXXX. The vehicle was a lemon. Within a year, I had to have the alternator changed 3 times. The alternator went bad again in XXXX of XXXX and the car would not run. The vehicle was towed to XXXX 's XXXX and XXXX XXXX was called and asked to come and get the vehicle. In XXXX of XXXX, there had been no response from XXXX XXXX. XXXX 's XXXX  went to the XXXX to obtain a salvage title and therefore the XXXX sent certified letters to myself and to XXXX XXXX. XXXX XXXX did not respond and XXXX XXXXXXXX  XXXX  was granted the salvage title. XXXX XXXX removed the debt from my credit report but is now reporting the loan as open when in fact it has been five years since the salvaged title was granted. XXXX XXXX failed to secure the vehicle from the voluntary repossession and this is on record with the XXXX  XXXX. The loan needs to be removed from my credit and 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 2020-09-26 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: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I financed a vehicle through Credit Acceptance on XX/XX/XXXX. The vehicle was a lemon. Within a year, I had to have the alternator changed 3 times. The alternator went bad again in XXXX of XXXX and the car would not run. The vehicle was towed to XXXX XXXXXXXX  XXXX and Credit Acceptance was called and asked to come and get the vehicle. In XXXX of XXXX, there had been no response from Credit Acceptance. XXXX 'XXXX   Garage went to the XXXX to obtain a salvage title and therefore the XXXX sent certified letters to myself and to Credit Acceptance. Credit Acceptance did not respond and XXXX XXXX XXXX was granted the salvage title. Credit Acceptance removed the debt from my credit report but is now reporting the loan as open when in fact it has been five years since the salvaged title was granted. Credit Acceptance failed to secure the vehicle from the voluntary repossession and this is on record with the XXXX XXXX. The loan needs to be removed from my credit and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: WV

Complaint narrative:
I financed a vehicle through XXXX XXXX on XX/XX/XXXX. The vehicle was a lemon. Within a year, I had to have the alternator changed 3 times. The alternator went bad again in XXXX of XXXX and the car would not run. The vehicle was towed to XXXX XXXX  XXXX and XXXX XXXX was called and asked to come and get the vehicle. In XXXX of XXXX, there had been no response from XXXX XXXX. XXXX XXXX   XXXX went to the XXXX to obtain a salvage title and therefore the XXXX sent certified letters to myself and to XXXX XXXX. XXXX XXXX did not respond and XXXX XXXX XXXX  was granted the salvage title. XXXX XXXX removed the debt from my credit report but is now reporting the loan as open when in fact it has been five years since the salvaged title was granted. XXXX XXXX failed to secure the vehicle from the voluntary repossession and this is on record with the XXXX XXXX. The loan needs to be removed from my credit and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion XXXX Agency has allowed XXXX Bank to share my social security number and address to XXXX XXXX XXXX for 2 alleged debts one which allegedly occurred on XX/XX/2011 and the other alleged debt on XXXX XXXX, 2011. 

These two alleged debts are without merit, because I never received a request for my alleged debt, therefore no debt validation. letter was ever provided. These alleged two debts are not only inaccurate, they are and never have been validated, they are a defamation of my character, they should be removed from my credit report effective immediately as the way the other credit reporting bureaus have removed these unvalidated alleged debts. This horrendous mark on my credit report especially during this pandemic is preventing me from trying to sustain a solid good credit background. I am requesting effective immediately they be removed. 

File # XXXX Transunion

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 2020-09-26 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: Rozlin Financial Group, Inc.
State: WV

Complaint narrative:
A debt with XXXX XXXX XXXX It which was incurred in late XXXX, was sold to Rozlinfingrp  and a new date of XX/XX/XXXX was documented as the date reported. When I spoke to the representative from Rozlinfingrp  I explained to her that the date was wrong and that the debt was seven years old. The representative said they actually had until XXXX to collect on the debt, which would make the debt older than seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX  XXXX XXXX has allowed XXXX XXXX  to share my social security number and address to Portfolio Recovery Associates for 2 alleged debts one which allegedly occurred on XX/XX/2011 and the other alleged debt on XX/XX/2011. 

These two alleged debts are without merit, because I never received a request for my alleged debt, therefore no debt validation. letter was ever provided. These alleged two debts are not only inaccurate, they are and never have been validated, they are a defamation of my character, they should be removed from my credit report effective immediately as the way the other credit reporting bureaus have removed these unvalidated alleged debts. This horrendous mark on my credit report especially during this pandemic is preventing me from trying to sustain a solid good credit background. I am requesting effective immediately they be removed. 

File # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: WV

Complaint narrative:
A debt with XXXX XXXX XXXX It which was incurred in late XXXX, was sold to XXXX and a new date of XX/XX/XXXX was documented as the date reported. When I spoke to the representative from XXXX I explained to her that the date was wrong and that the debt was seven years old. The representative said they actually had until XXXX to collect on the debt, which would make the debt older than seven years old.

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 2020-09-26 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: WV

Complaint narrative:
A debt with XXXX XXXX XXXX It which was incurred in late XXXX, was sold to XXXX and a new date of XX/XX/XXXX was documented as the date reported. When I spoke to the representative from XXXX I explained to her that the date was wrong and that the debt was seven years old. The representative said they actually had until XXXX to collect on the debt, which would make the debt older than seven years  old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: CL Holdings LLC
State: WV

Complaint narrative:
I opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: WV

Complaint narrative:
I opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.

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 2020-09-26 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: WV

Complaint narrative:
I opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: Vanguard Financial Services, Inc.
State: WV

Complaint narrative:
I moved from XXXX XXXX in XXXX of 2015. When I left the complex, management said that they would keep my XXXX deposit and since there was only a month left, would not hold me to the lease. Additionally, my XXXX son and spilled bleach on an area of the carpet that both maintenance and management were made aware of. Both stated that it was time for that carpet to be replaced and not to worry about it. I never heard anything from anyone at XXXX XXXX. An acquaintance whose mother works for my ex husband took a position at XXXX XXXX after I moved from complex and this person abused their power and position and created a debt that never existed. As soon as this person took a management position with XXXX XXXX, she reported an erroneous amount of XXXX to Vanguard Financial Services four months after I had moved. I have disputed this with the credit bureaus and every dispute simply comes back in an expedited amount of time as " complies with FCRA '' which is does not. This is harassment and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: WV

Complaint narrative:
I moved from XXXX XXXX in XXXX of 2015. When I left the complex, management said that they would keep my XXXX deposit and since there was only a month left, would not hold me to the lease. Additionally, my toddler son and spilled bleach on an area of the carpet that both maintenance and management were made aware of. Both stated that it was time for that carpet to be replaced and not to worry about it. I never heard anything from anyone at XXXX XXXX. An acquaintance whose mother works for my ex husband took a position at XXXX XXXX after I moved from complex and this person abused their power and position and created a debt that never existed. As soon as this person took a management position with XXXX XXXX, she reported an erroneous amount of XXXX to XXXX XXXX XXXX four months after I had moved. I have disputed this with the credit bureaus and every dispute simply comes back in an expedited amount of time as " complies with FCRA '' which is does not. This is harassment and fraudulent.

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 2020-09-26 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: WV

Complaint narrative:
I moved from XXXX XXXX in XXXX of 2015. When I left the complex, management said that they would keep my XXXX deposit and since there was only a month left, would not hold me to the lease. Additionally, my XXXX  son and spilled bleach on an area of the carpet that both maintenance and management were made aware of. Both stated that it was time for that carpet to be replaced and not to worry about it. I never heard anything from anyone at XXXX XXXX. An acquaintance whose mother works for my ex husband took a position at XXXX XXXX after I moved from complex and this person abused their power and position and created a debt that never existed. As soon as this person took a management position with XXXX XXXX, she reported an erroneous amount of XXXX to XXXX XXXX XXXX four months after I had moved. I have disputed this with the credit bureaus and every dispute simply comes back in an expedited amount of time as " complies with FCRA '' which is does not. This is harassment and fraudulent.

Company response to consumer: Closed with explanation