vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi and how are you doing? Although I appreciate XXXX XXXX getting back to me in regards to my previous dispute for a negative item or charge-off account reporting, but their investigation did not resolve my underlying issue. It's impossible that you verified this account because it continues to report the same errors, inconsistencies, with multiple inaccuracies, and different dates of last active and different dates of last payment. You mentioned that you sold my account back in XX/XX/2016 to a XXXX XXXX XXXX - a debt buyer, but no way on my account is showed that it was sold or transferred to them. I believe under the fcra guidelines if the account was sold/transferred it needs to show on my credit report so I can resolve it directly with them. You failed to conduct a reasonable and truthful investigation because it continues to report the same errors and violations as before i disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Although I appreciate XXXX XXXX getting back to me in regards to my previous dispute for a negative item or charge-off account reporting, but their investigation did not resolve my underlying issue. It's impossible that you verified this account because it continues to report the same errors, inconsistencies, with multiple inaccuracies, and different dates of last active and different dates of last payment. You mentioned that you sold my account back in XX/XX/2016 to a XXXX XXXX XXXX - a debt buyer, but no way on my account is showed that it was sold or transferred to them. I believe under the fcra guidelines if the account was sold/transferred it needs to show on my credit report so I can resolve it directly with them. You failed to conduct a reasonable and truthful investigation because it continues to report the same errors and violations as before i disputed.

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 2021-04-27 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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am writing this petition due to a 30-day late payment for XX/XX/XXXX showing on my credit reports. Upon review of my records, I realize that I did indeed miss the payment deadline. However, it unfortunately appears that I did not receive a billing statement notification to alert me to a debt owed & due date ( which I was not aware of ). I take great pride with ensuring all my debt obligations are paid on time as your records will show I have had my account with Target since XXXX with perfect, on time payments up until this missed billing. 


I am in the process of applying for a home loan and the negative impact of the late payment could result in a denial of my loan due to the XXXX FICO point drop to my scores since the missed payment was reported to the bureaus. I am requesting ( begging XXXX a goodwill adjustment to remove the XX/XX/XXXX 30-day late payment from my XXXX XXXX and XXXX  credit reports as the correction will allow me to proceed with the home loan for my family. Given the global pandemic of XXXX and the ramifications of that, it is my hope that Target will have empathy at this time and restore my good credit standing with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: GA

Complaint narrative:
I have accounts on my credit file thats fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance is reporting to my credit company that I owe a debt to them that was paid off with insurance and XXXX claims. This is from XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: MoneyLion Inc.
State: NY

Complaint narrative:
I am following up on a prior reported complaint relating to a fraudulent loan taken out by someone at MoneyLion. Through the significant help of XXXX XXXX in the Complaints department of MoneyLion, this issue has now been resolved. MoneyLion found the loan to be fraudulent and has removed any financial responsibility from me and is in the process of advising and correcting the information provided to the credit agencies. I deeply appreciated his follow through, efforts and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I received the first call several days ago and asked the agent to stop calling my number. 
XXXX called on XX/XX/21 ( Agent ID XXXX ). I asked her to cease calling my number. 
XXXX called on XX/XX/21 - he refused to provide his agent ID and repeatedly asked who he was speaking with rather than responding to my questions. I asked for a Supervisor. I spoke to XXXX XXXX who claimed to be the operations manager. I asked him to cease calling as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX  The theft was immediately reported to the finance bank and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank XXXX XXXX XXXX XXXX XXXX XXXX, And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's  error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have 0 % left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX XXXX XXXX yr, XXXX mos ) Term 41 months Payment History Last payment No Info Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Lease Responsibility Individual Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XXXX. XXXX, XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX  The theft was immediately reported to the XXXX XXXX and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank ( XXXX XXXX XXXX XXXX XXXX, And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's  error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have XXXX XXXX left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX XXXX XXXX yr, XXXX mos ) Term 41 months Payment History Last payment No Info Current Payment Status In XXXX  Worst Payment Status No Info Account Details Account status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 30/60/90 days late 0/0/0 Closed XXXX. XXXX, XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.

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 2021-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Alliant Capital Management LLC
State: MI

Complaint narrative:
Hi my name is XXXX XXXX and I was scammed by this guy named XXXX XXXX and he used my name to sign me up for a loan for Alliant capital management but the name of the loan is XXXX XXXX loan and I have never ever signed up for it and Alliant capital management said that they will sue me too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
My property was sold in XX/XX/2019. The title company failed to issue a payoff to the mortgage holder Rushmore loan management XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Not my fault. I have tried reaching out on many occasions during this time and keep getting the run around being sent to different departments such as escrow, insurance, general correspondence, etc. Each time I get told that department can not help me and get transferred back. I have contacted the local tax accessor to get a refund, they have verified that they are receiving duplicate payments from both my loan company and the new home owner. However, they will continue to process any payment that is sent to them even in error. I have talked to the insurance agent that I had insurance with and he has denied their request for extension. Yet, they still continue to take out money for insurance and can't provide a name or company to whom I am provided insurance with. How can you pay taxes or insurance on a home that you do not own and someone else has a mortgage and escrow on that property? Rushmore consumer affairs department looked into the account and refused to help me even after the payoff was provided. I hesitated to payoff the loan because I knew that if I had trouble getting an answer or help when I owed them money, then I knew I would be out of luck once I paid them off. My intuition was correct no help after payoff, even denied help from a submit complaint to their XXXX XXXX department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: MD

Complaint narrative:
Transunion keeps coming back saying verified to incorrect information being reported on my credit report which is inaccurate

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 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

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 2021-04-27 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:
XXXX  DELETED THIS BANKRUPTCY FROM MY CREDIT REPORT YEARS AGO BUT XXXX AND EQUIFAX STILL HAVE IT ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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:
XXXX  DELETED THIS BANKRUPTCY FROM MY CREDIT REPORT YEARS AGO BUT TRANSUNION AND XXXX  STILL HAVE IT ON MY CREDIT FILE.

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 2021-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
A company with the name XXXX left me a voice mail the morning of XX/XX/2021 at XXXX stating they are calling in regards to my case which is in the process of being filed against me in the county of XXXX XXXX XXXX . I was unable to take the call because I was still asleep after spending a long night taking care of my grandmother, IMMEDIATELY they begin calling my sister, my grandmother, my parents. I woke up by calls from all of them saying the XXXX XXXX Police Department called saying I am required to contact them or they will take the case further my grandmother thought I had been arrested and began crying for hours. I listen to the voice mail before calling and I believed it was a scam, the voicemail has no specifics, no company, no mention of what the debt is, no notification about the claim. Ive never received a call from this company before, Ive never been notified before of a debt being given to collections, I get a call today saying I am going to have fraud charges filed against me unless I pay. I am already homeless, I dont have money. This company made my family so concerned and made me so concerned I had to borrow money I do not have to pay off something that wasnt even in collections and I most likely would have never gone to court for. But they harassed my family, they called my last employer, they made my grandmother cry and fear that I had been arrested. And the first time I am notified of this debt until the end when it was solve was all in the matter of 3 hours. They did all of this, in three hours to collect a petty debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Hello I have disputed with both Experian and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. XXXX XXXX XXXX has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with Experian. See CERTIFIED LETTER .. Experian has allowed this violation by continuing to validate and not verify this information. The results of there dispute are attached along with letter I sent to them requesting verification.

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 2021-04-27 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: FL

Complaint narrative:
Hello, I am very stressed out because I found items that are not mine. I do not recognize them and for sure they are not mine. I feel like I am victim of identity theft because suddenly appeared fake items. These fake items killing my report and I feel very bad about this. Pease investigate their origins and remove them.

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 2021-04-27 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: FL

Complaint narrative:
Hello, I am very stressed out because I found items that are not mine. I do not recognize them and for sure they are not mine. I feel like I am victim of identity theft because suddenly appeared fake items. These fake items killing my report and I feel very bad about this. Pease investigate their origins and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
CFPB, I have a mortgage with Suntrust mortgage. It is XXXX  XXXX. Due to the Covid 19 pandemic, I was laid off from my job for quite some time. 

The government has assisted mortgage companies a lot in order to help everyone during this tough time during the pandemic. 
Now that the dust is settling and we are going back to paying our mortgage, they are not allowing for refinance. 
My mortgage company, Suntrust, is offering 3 options : 1.Pay it all back now- ( how would a hardship person have this money? ) and they did not mention is it is on top of the principal or if it will be subtracted, ( like it would be if I had paid the mortgage on time ). 
2.Pay it all back after the mortgage ends, ( adding a year of interest and principal on the mortgage, essentially turning it in to 31 year mortgage ).

3. add 10 years on to your mortgage, ( interest included of course ) We did not discuss option 1 and 3, but option 2 adds last years ' unpaid on to the principal after the loan terms are completed. I believe that option 1 adds it as a payment, but does not adjust the principal for payments due, like it would had made the payments. 

Here is an example if there were 10 years left on mortgage loan : Principal before pandemicXX/XX/XXXX- {$100000.00} ( 10 years left to pay ) Unpaid mortgage payments less the escrow {$1000.00} per month, or {$12000.00} total for the 12 months unpaid Mortgage payment distribution per month, of {$1000.00}, {$750.00} goes to principal and {$250.00} interest Option 2- Start paying again and add 2020 to the back end as a balloon payment- {$1200.00} Principal on XX/XX/XXXX- {$110000.00} The mortgage is no longer 10 years, it is 11 years, ( except the balloon payment is due on the date of payoff ). 
They are screwing everyone! 

They are making a profit on the COVID 19 pandemic by forcing homeowners that had hardship in to bad terms. 

THIS IS UNFAIR BUSINESS PRACTICE! 

These mortgage companies were bailed out by the government and now they turn around and XXXX the people they are supposed to be helping. 

What can be done? 

XXXX XXXX Hardship homeowner

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