vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Management Recovery Corp. (NMRC)
State: CA

Complaint narrative:
On XX/XX/2021 at approximately XXXX XXXX from an unknown number National Management Recovery Corp contacted me about a debt to them. I was never contacted or made aware of this until this point. This was the only correspondence I received about them. I was told they were going to take this to court? But there is nothing sent to me about this. They have made threats to take to court and have put on public record for a debt I have no clue about and when asked they were very defensive about relaying any information. I was threatened that if I didnt pay the debt off they would process and take to court with supposive allegations that I was defrauding. I repeatedly asked for confirmation about this debt and and yet, still nothing that says what this is about and as I told them I never heard of XXXX and the lady kept repeating the same thing, that they would take me to court if I didnt pay that day. This company tried to use a scare tactic to get me and my mother to pay. I called the XXXX County court and was told no such lawsuit exists with them! They called me, threatened to sue, that my credit would be tarnished and that they would contact my employer. I have your voicemail recording and I also recorded the conversation we had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Hello, in XX/XX/XXXX i requested forbearance due to XXXX and received approval for XXXX months XX/XX/XXXX Forbearance was extended another XXXX months XX/XX/XXXX XXXX XXXX uploaded to SPS to assist in repaying the delayed payments while in forbearance. 
XX/XX/XXXX SPS requested financial information ( taxes, XXXX XXXX XXXX, bank statements, etc ). We emailed the requested documents to the relationship XXXX. The receipt was confirmed by SPS. 
Additional Documentation Uploaded XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Requests for clarification of information ( answering includes uploading information or calling to clarify previously sent information, often information and questions we already provided : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Assistance Package Notice ( letter stating all the required information was received and we should receive an answer in approximately 30 days ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Property Appraisals done ( new appraisal each time ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Resumed making monthly mortgage payments. Was told we did not need to make the payments while in the XXXX process but because of all these delays it had been a year, so we started making the payments as to not get further behind. 

XX/XX/XXXX received an email that they needed clarification on some documents. Called and spoke to a relationship manager, she said the notes asked to confirm what % of a company was owned by XXXX. I told her that I had sent over XXXX different profit and loss statements for that company with that information on it. I sent that information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Every time they ask for more information, or the same information previously supplied everything is again pushed out XXXX business days. 

all i wanted since XXXX is to start paying back and work out a deal about missing payment, i consulted with mortgage broker and he recommended to start making payment which i did this month XX/XX/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 2021-03-17 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:
The collection on the credit report has not been erased. This debt was paid since XX/XX/2019, and should have never appeared on the credit report as a collection to start with since it was paid. 
I told them I want the mistake removed from the credit report ASAP and provided proof of payment. The company verified that payment was received. 
I told them I need a letter that states that they received payment and it will be removed from my account. they never replied to me. I am in the process of getting a loan and this is slowing it down. they said they would delete it and they have not and are violating the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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:
The collection on the credit report has not been erased. This debt was paid since XX/XX/2019, and should have never appeared on the credit report as a collection to start with since it was paid. 
I told them I want the mistake removed from the credit report ASAP and provided proof of payment. The company verified that payment was received. 
I told them I need a letter that states that they received payment and it will be removed from my account. they never replied to me. I am in the process of getting a loan and this is slowing it down. they said they would delete it and they have not and are violating the fair credit reporting act.

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 2021-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding
State: TX

Complaint narrative:
I applied for a forebearance under the CARES Act with my mortgage company, XXXX XXXX. I was granted the forebearance but began to assess late charges and receiving notices. When I contacted the company in XXXX after receiving multiple letters stating that my loan was late and that I needed to pay the full amount immediately. I was treated really poorly by the representative with XXXX who basically told me that I was going to have to pay all of the money {$6200.00} on XX/XX/XXXX or I was going to lose my house. I tried to ask about the details which I understood was that I could either tack those payments from the forebearance to the end of my mortgage or spread it out over time. I was told NO. 

I did not lose my job but our finances were impacted due to the fact that my fiance who is XXXX XXXX had a loss in wages. With all the uncertainty and the struggle we were in we thought this would give us some respite. 

I feel like my home is under threat and I am terrified of losing it. I went ahead and paid out all the money I had including all of the stimulus check to try and get caught up. In addition, I feel like I was bullied due to the fact that I have an FHA loan on a mobile home and they felt since I am poor they could get away with treating me badly. I asked to speak to a supervisor and was put on hold for an hour before speaking to a woman who wasn't as rude but told me basically the same thing - that on XX/XX/XXXX the total amount of the deference was going to be due. As of today XX/XX/21 I am current up to XX/XX/XXXX - I still owe for XXXX and have been so scared of losing my home that I put off all other bills despite having a forebearance. 

I feel like XXXX XXXX has been punitive with me - they have showed no compassion - and treated my family badly. We really need/ed that forebearance but have been unable to utilize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 have a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request for Method of Verification Request from the CRA. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed

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 2021-03-17 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 have a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request foXXXX Method of Verification Request from the CRA. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I had a severe XXXX XXXX during my XXXX and fell behind due to complications. I was offered 2 month extensions ( 6 of them ) from XXXX to maybe XXXX. 

When the pandemic hit, I lost my business and employment. They offered me 2 extensions however there is still a pandemic and the entire economy is struggling. 

They have offered me a hardship modification which includes the SAME RATE, SAME PAYMENT and increasing my balance from XXXX to about XXXX additing 2 additional years to the maturity date saying I used all my extensions. 

I made a payment on XX/XX/XXXX as I confirmed with 11 employees that as long as it is made in the last day of the month they do not report late. They reported me late and dropped my score XXXX points which affected my ability to obtain financing for my business and recover from additional hardship. 

I spoke to XXXX, compliance Specialist who told me our business hours are XXXX Central time. So you made your payment after our business hours. " IF YOU GO TO XXXX 'S AFTER BUSINESS HOURS THEY ARE CLOSED. '' I ASKED WHERE YOU OPENED ON SUNDAY AT XXXX CENTRAL? HE SAID NO WE DON'T HAVE EMPLOYEES HERE '' NOT A GREAT WAY TO PUT THINGS! I have been told 11 times as long as the pay is done before next day we will not report it. And it was!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I sent Credit Acceptance Corporation a letter stating the inquiry they have made on my report in XX/XX/2002 that I had no knowledge of. I ask that they remove the inquiry immediately or provide me with documentation with my signature authorizing them to make an inquiry in my report. I received a response letter and it stated based on their investigation they confirm the inquiry on my report but Credit Acceptance Corporation fail to provide in documents supporting their claim. They didnt not provide me with any documents with my signature authorizing the inquiry.

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 2021-03-17 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: PA

Complaint narrative:
I previously called as well as disputed information that doesn't belong to me I made a report with FTC asking what I can do before filing a law suit this was my next step I provided my identification card as proof of these products not belonging to me and nothing was done. I wasn't notified by mail I asked to be notified by mail pending outcome of the investigation and nothing was provided when I call a man I talked to was very rude and aggressive with me and now I'm filing a complaint because nobody should be treated this way when I'm just looking for help I understand they get paid off more accounts I have on my account but by law if it don't belong to me it have to be removed. Thanks you

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 2021-03-17 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:
A XXXX XXXX charge off appeared on myTrans Union report and was probably a result of a security breech. I tried to dispute this unknown account with Trans Union but their system won't let me back in after having filed one dispute. It won't recognize my password, and then their website won't take me beyond the next page. I have filed an identity theft report with the FTC ( FTC report : # XXXX ) regarding this charge off. 
can you please help me reach 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 non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Attached you will find the original complaint against debt collector for violating my HIPPA rights. Company wrote a statement that they would remove accounts off my credit report. Company removed 10 of the accounts and left five more accounts my credit reports that I would like removed immediately based on the word in attached complain of company and for violating my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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:
I saw some accounts while going through my credit file recently that should not be there. These accounts are fraudulent because they are not mine. I can not understand how this could even happen because I have not given anyone access to my credit. Please have an investigation done on this issue immediately and have these fraudulent accounts deleted from my credit file. I am unable to get any new credit right now because of this issue.

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 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I refinanced my mortgage with XXXX XXXX XXXX XXXX ( now XXXX XXXX ). They sold my mortgage to Dovenmuehle Mortgage Inc. in XX/XX/XXXX. My first payment to the new mortgage company was made in XX/XX/XXXX, and that payment, as well as all subsequent payments, included {$370.00} for an escrow account to pay property taxes and hazard insurance. My most recent escrow analysis, dated XX/XX/XXXX, includes a line item for property taxes in the amount of {$1600.00} to have been paid in XX/XX/XXXX. That never happened, and I was not aware until I had my income taxes prepared in XX/XX/XXXX. Upon learning of Dovenmuehle 's negligence, I began contacting the company 's customer service department. As a customer service rep could not assist me, I was transferred to a supervisor who stated that the company initiated a work order in XX/XX/XXXX to investigate why my taxes were not paid. The work order expired without any action being taken. It was not until I began contacting the company in XX/XX/XXXX that a new work order was requested. Again that work order expired. We are now on the third work order, and still there is no resolution. In the interim, the treasurer for my county has threatened to sale my home on XX/XX/XXXX if the taxes and penalty and are not paid in full. I have requested that Dovenmuehle cancel my escrow account and refund me all of the money in the account so that I can take responsibility for paying my taxes and insurance. Time is ticking, and I still can not get a straight answer from the company. The mortgage company has assigned a specialist to assist me in this matter, but I can not establish contact with the individual. The specialist sent me an email from a generic account, and when I call the phone number provided, it goes to voicemail. Now the voicemail box is full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I have submitted debt validation request to this company and all they sent was another copy of their request for payment but no validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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:
I have a bank account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, XXXX XXXX XXXX have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and TransUnion about this issue and have received the same inaccurate results.

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 2021-03-17 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
XXXX XXXX Reported : XXXX XXXX, 2021 {$190.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contract exist ... account was settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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