vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Century Finance, Inc.
State: NC

Complaint narrative:
The manager of Century Finance in XXXX NC is running a scam trying to insinuate that I need to pay late fees that have already been paid in full as of XX/XX/XXXX. I have been a loyal customer to this company since XX/XX/XXXX when they service an auto loan. I lost my job due to COVID-19 and I went back to school for XXXX and obtained my XXXX XXXX  which was a requirement for me to enter XXXX school, all while this company have been a nightmare to do business with their shady tactics and false statements. I authorized XXXX on XX/XX/XXXX to be taken from account. One of the females at the office overrode my authorization and took XXXX out of my bank without my permission and I immediately emailed her with no response and then called the manager to see what their problem is with following directions. They took the late fees with a payment of XXXX on XX/XX/XXXX with one late fees of {$16.00} left. I received a nasty email XX/XX/XXXX. from the manager telling me of the one late fee left which I already was aware of and did not need threatening email. I had a conversation with him and he told me to just pay the XXXX and I sent him a confirmation email of the payment. This company has a problem sending me receipts which is on my account to send me receipts after receiving my money. My account was paid up some XXXXmon in advance to payoff the loan early so i can get rid of this messy loan company. I resumed payments XX/XX/XXXX and he took the XXXX amount off my loan which I thanked him for in the emails I will be attaching, but he put it back on my account for my payment due in XX/XX/XXXX. He inaccurately stated that I have made XXXX @ 27 payments, but you will see in the email he forgot to mention the XXXX, which would accurately be XXXX @ 26 payments+ 1 payment@XXXX totaling XXXX before Saturdays payment leaving only XXXX left in late fees owed. I took care of that remaining late XX/XX/XXXX with a payment of XXXX to reflect the email I received of the remaining late fee on XX/XX/XXXX. He is fraudulently charging me for late fees already paid that I refuse to pay again. I am a single parent of XXXX  XXXX  kids and just in disbelief that I am being taken advantage of even during this difficult time of being unemployed due to COVID-19, but I am still standing and have not missed one payment. He is untruthful and comes off as a scammer and I regret ever getting a loan with this non-complaint company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections is reporting a collection on my account and it is erroneous. I had previously checked my credit and noticed this debt reporting on my credit file. I called and immediately settle the debt with them. The gentleman on the phone said once my payment was received they would be removing the collection from my credit file. However, it's been a few months and it is still reporting. Not only that, this is a medical collection. I NEVER signed a HIPPA patient release form allowing Mountain Land Collections to report this debt and that is a violation under HIPPA. This needs to be removed immediately. The debt has been settled & it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: OK

Complaint narrative:
In XXXX of last year I ask for a covid relief with XXXX XXXX. They granted it for three months, then when that was over they just rolled me into another 3 months without my permission. I used a total of 5 months. In XXXX of XXXX I started making regular and on time payments. I requested a loan modification in XXXX of XXXX and they agreed, but stalled and stalled. I had a hard time making payments as well as they would seldom pick up the phone, often it took me days to pay as I was not allowed to do direct payment any more. I am XXXX XXXX XXXXXXXX  as a veteran so I have as of XXXX of XXXX gotten a 100 % exemption on my taxes. They have not sent me a refund yet either. They have adjusted my payments now but not letting me know details, where did my XXXX go from last years taxes? Now today I called them and they rose my payments from XXXX monthly to XXXX monthly with no explanation. My va rep is very frustrated that after 4 attempts to contact them they are still not returning any messages. Please help I have no mortgage help at all. They say I owe XXXX but I do not I only used 5 months of deferral, they said they would put the XXXX at the back of the loan but it does look this way. Nobody will help me, nobody will tell me how they came up with these numbers, nobody. I ask now 7 times for a list of all my payments and what my mortgage is made up of and they will not respond. I have no mortgage company they are a ruthlessness ship. I am begging you to help me : If feel they are stealing my tax money ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is no better than a closed down business. No person answers the phone, returns phone calls, etc. There is no one to communicate with concerning my credit freeze with Experian.

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 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In XXXX I opened a credit card with XXXX XXXX XXXX, but only kept it for emergencies, did not use it often and paid balances I used. I reported fraud in XXXX and did not pay the fraudulent balance. Then they sent me collection letters so I wrote a dispute letter to the collector, LVNV FUNDING LLC, stating that I dispute this debt. They did not stop sending me collection letters. The LVNV FUNDING LLC is still on my credit report. The total amount they claim I owe is {$1500.00}. Its been over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 am in the process of buying a house and today XXXX/XXXX/21 the agent I am working with ran my credit and told me that i would not be approved for a home loan at this time due to an account reflecting badly on my credit report. The account is from this company ; XXXX XXXX XXXX. I do not have any contract or agreement with that company and I am not responsible for that account. I also noticed this address on my report which I have never lived at. XXXX XXXX XXXX XXXX CA XXXX. I don't know why this account and address are on my credit report but I have already filed a police report in hopes of getting this resolved so I can finally buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: WA

Complaint narrative:
I applied for a Mortgage Loan on XX/XX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 XXXX  XXXX XXXX Student loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from XXXX XXXX XXXX stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the 90 day late payment be removed from all 14 loans. If XXXX XXXXXXXX XXXX refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.

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 2021-02-01 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: WA

Complaint narrative:
I applied for a Mortgage Loan on XXXX/XXXX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 XXXX XXXX XXXX XXXX loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from XXXX XXXX XXXX stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the 90 day late payment be removed from all 14 loans. If XXXX  XXXX XXXX refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I applied for a Mortgage Loan on XX/XX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are XXXX XXXX XXXX XXXX  Student loans that are reporting a XXXX day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing XXXX days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from XXXX XXXX XXXX stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the XXXX day late payment be removed from all XXXX loans. If XXXX XXXX XXXX refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.

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 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
i INFORMED THEM THAT THAT WAS NOT ME ... i NEVER OPENED AN ACCOUNT ON 2015 WITH THEM. I AM SHOWING I OWE THEM {$540.00} AND IT SHOWS ACCOUNT STATUS OPEN ... 


THAT IS NOT ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Investigation took more than 30 days
Company: AES/PHEAA
State: CO

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 am in the process of buying a house and today XX/XX/21 the agent I am working with ran my credit and told me that i would not be approved for a home loan at this time due to an account reflecting badly on my credit report. The account is from this company ; XXXX XXXX XXXX. I do not have any contract or agreement with that company and I am not responsible for that account. I also noticed this address on my report which I have never lived at. XXXX XXXX XXXX XXXX CA XXXX. I don't know why this account and address are on my credit report but I have already filed a police report in hopes of getting this resolved so I can finally buy a home.

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 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I purchased a laptop from XXXX on XXXX XX/XX/2020. The laptop arrived on XXXX XX/XX/2020. After trying the product, I initiated a return within the 30 days as stated on their return policy. The return was initiated on XXXX XX/XX/2020. The laptop was sent back and they received it on XXXX XX/XX/2020. They sent an email saying that the money would be sent back to my credit card, and would show after 5 days. I'm still waiting for the money. I spent three hours on hold to their customer service line before they hung up on me. I've sent them around 100 emails, each time they reply that it is the bank 's problem. 

I contact my bank, Barclays, to file a dispute. They said to post them documentation. I posted it, using USPS   next day delivery. But the bank claims that they did not receive the documentation and closed the case. I'm still waiting for my refund, which is for the amount XXXX. Please 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 2021-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
So now the loans are showing I am delinquent when I was in deferment. I have discussed this Fed Loan and they claim they have no records. I have come across a deferment letter that should fit their needs. I want the pas due payments off since looking at this document should clear up any issues they have with missing information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken 's underwriters and the closing team did NOT disclose the added PMI insurance at any time prior to signing. They solely made the decision to waive the appraisal and add PMI without our knowledge. PMI or appraisals were never mentioned during the entire process ; they just added it to the closing paperwork. 

Since PMI was never discussed, we assumed they added our homeowner 's insurance payments to the loan since the property is located in a California fire zone. When we contacted the resolution team, the representative said we had 4 ways of eliminating PMI with one of them would be paying down the principal. 

Later, he emailed the following message, " We do apologize that you were never told that you would be having PMI on your loan. The reason that you have PMI is because you would have need an appraisal to be completed. Due to the fact that appraisals were extremely delayed in your area, our Mortgage Banking team wrote your loan to not need an appraisal. This saved you time on the days your loan was in process and you did not have to pay for an appraisal. Your loan is now closed and the terms of the loan can not be changed. This issue is now closed and no further action will be taken on this issue. '' This did not save us time nor money. The loan took longer to close than any other lender, and we now have almost $ XXXX to pay in insurance even though we have excellent credit and plenty of collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: AES/PHEAA
State: FL

Complaint narrative:
I have made several disputes throughout XXXX, in regards to my account with Fed loan Servicing. There are 5 accounts being reported as 90 days late, in XX/XX/XXXX that were included in an approved forbearance period. This information is continually being added back to my credit even though I have repeatedly disputed it. This inaccurate information is hindering my ability to purchase a home. I have repeated sent certified mail to both the lender and all 3 credit bureaus, and there has been no permanent solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2021-02-01 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 have tried to get this rectified multiple times. I've heavily had my identity utilized and stolen. So much so that I had to get a court order. This isn't my account.

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 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
On XX/XX/2016 IQ Data International added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief