vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 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: TX

Complaint narrative:
After reviewing my credit I found these fraudulent accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our home loan was sold to Shellpoint Mortgage Servicing ( New Rez ) in Fall XXXX. For several months Shellpoint serviced our loan before selling it to XXXX XXXX XXXX ( approx XX/XX/XXXX ). 
While Shellpoint was servicing our loan they were in control of and escrow account that was set up to pay property taxes and homeowner 's insurance. Not only were they in control of these funds from the prior servicing company, Shellpoint continued to collect money for the escrow account each month they serviced the loan. 
Although this was happening, Shellpoint was negligent in paying the first installment of property taxes due to our local county ( XXXX XXXX County, CA ). Because of this we received a noticed of delinquent taxes from the county and were made to pay a penalty of {$590.00}.

I have been in contact with Shellpoint on several instances since at least the beginning of XXXX to resolve this issue. At every turn two things have happened : First, someone on the phone unequivocally apologizes and say Yes, this was our fault and you should be reimbursed by us. They say they will have a supervisor follow up and/or they " transfer me '' to the the " proper department ''. 
Second, I get a letter or email stating that either : I should contact XXXX XXXX XXXX since Shellpoint no  longer services the loan or XXXX XXXX XXXX should reimburse me and then XXXX will charge Shellpoint. 

My issue is that we were made to pay {$590.00} out of our pockets more than two months ago because of negligence on the part of Shellpoint and they should be the ones to reimburse us. Five phone calls and bounced back emails or form letters are insufficient, as is passing the buck and asking a company that had no hand in, or obligation to pay, property taxes in XXXX on our behalf. 

This complaint is solely because of Shellpoint Mortgage Servicing. They were the negligent party that is responsible and did not fulfill their fiduciary duties on our behalf.

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 2020-04-09 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: TX

Complaint narrative:
I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

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 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I received a letter from Hunter Warfield Collection Agency stating that I owe a debt that I do not owe. I sent them a letter in XXXX requesting verification. So far I did not receive a response.

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 2020-04-09 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-04-09 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We suffered a hardship from Hurricane Dorian from XX/XX/XXXX and a State of Emergency was declared by Governor XXXX on XX/XX/XXXX. We had to evacuate because no one knew where the hurricane would land and it was stalling while increasing to a Category 5. In addition to the cost of preparing the house for a hurricane, which was well over {$3500.00}. Once we prepared the home with shutters, we had to travel and stay somewhere else until the end of XXXX while the hurricane moved away from the East coast. As a result, we had to close our business during this time and when we returned we had to make repairs on the roof of our home of over {$2500.00} from this disaster. We were approved for a repayment plan on XX/XX/XXXX and spoke with a representative on XX/XX/XXXX about making payments. We wanted to make 2 payments a month. We made 1 payment in the amount of {$2500.00} on XX/XX/XXXX and called to make the XXXX payment of {$1600.00} on XX/XX/XXXX for a total of the repayment plan we were approved for. The representative refused to take the payment. The representative told me that we can not make that second payment and the repayment plan is void even though we were trying to make the payment before the end of the month. We requested to speak to a supervisor who advised us that he would not accept the payment we wanted to make and that there were no other options for us at this time to retain our home. We explained that we were affected by Covid-19 and our business was closed due to no fault of our own. The supervisor did put us on a forbearance plan due to Covid-19 with a balloon payment of {$30000.00} due on XX/XX/XXXX. This is a difficult amount to have to pay when we have no idea when our business or any business will reopen in the United States. Our business is closed and we would like a deferment of all past due amounts until we can get through this economic difficulty which is no fault of our own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
After six months, XXXX & I have requested repeatedly to pay insurance & taxes but mortgage can said there not way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: AR

Complaint narrative:
I went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX  XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
Debt is on credit report, debt is from year XXXX, contacted debt collection by written debt validation letter XX/XX/XXXX, sent certified with signature conformation, never heard back from the company, conformation was signed XX/XX/XXXX, asking to remove debt cause it's too old for collections it's been 10yrs since acct was closed. No contract was signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
On XX/XX/2020 I sent a letter to Medicredit and asked for debt validation. I have not received a response from Medicredit and it has been over 30 days. I will attach the letter to this note stating what I asked for and what was not received.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX  THAT IS REPORTING ON MY CREDIT FILE. THIS  INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-09 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: NJ

Complaint narrative:
Experian Credit Report Shows my XXXX XXXX XXXX late 18xs Cant be account settled and paid in full If anything should only show once Charge off But still should show Account Paid settled

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 2020-04-09 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: AR

Complaint narrative:
I went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX  XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}

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 2020-04-09 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: AR

Complaint narrative:
I went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}

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 2020-04-09 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
My loan was recently sold from XXXX to Carrington Mortgage Services , LLC . 

The first time I paid my loan with Carrington, I paid over the phone and was charged a {$10.00} processing fee. I did not talk to a human. The transaction was 100 % automated. I paid with my checking account information. 

This month, I paid on-line thinking I would avoid the {$10.00} fee. Carrington charges a {$5.00} processing fee to make an on-line payment. Again, no human contact. I entered all the information. 

I called customer service and asked about fee free options. I was told to I could mail my payment ( who DOES this ) or get set up on an auto pay. 

In doing the math, if using the internet to make a payment, this company will make an additional {$1800.00} over the course of a 30 year mortgage to TAKE MY MONEY. If a person were to pay via phone, that amount doubles to {$3600.00}. To TAKE MONEY. How can processing an automated payment be more labor or cost intensive than a physical check? This is an additional money grab and I would like to know if this is a legal practice. 

This company has a mailing address in Illinois. I live in Minnesota. I did not choose this mortgage company. 

Thank you for your help. Please cite the law where this is legal. I would like to look at the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: GA

Complaint narrative:
The company Allied interstate LLC sent a garnishment to my company for a student loan that was paid off around XXXX or XXXX. The loan was payoff from a tax refund offset from the IRS. The company never went to any court to have the case heard or sent me a letter about this matter the amount they trying to get is XXXX and it was back XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I CONTACTED TOYOTA FINANCIAL SERVICE AT XXXX TODAY ON XX/XX/2020. I REACHED A TOTAL OF THREE TOYOTA CALL AGENTS, TWO HUNG UP ON ME AND THE THIRD WAS ABLE TO FIND A MANAGER WHEN THE SECOND AGENT I CALLED STATED THE MANAGER WAS OUT OF THE OFFICE. MY REASON FOR CALLING TOYOTA FINANCES WAS TO SET UP A RE ACCURING PAYMENT OF {$390.00}. WHILE SEARCHING ONLINE ON THEIR WESITE I FOUND THAT SINCE I LAST SPOKE WITH TOYOTA FINANCIAL THEY NEVER CLEARED MY STATEMET OF {$700.00} SHOWING THAT I HAVE AN OUTSTANDING BALANCE. I OVER PAID IN FEBUARY TO COVER THE LATE CHARGES, WHICH TOYOTA ADMITED TO ME THAT THEY MADE A MISTAKE WITH WHAT DATE TO TAKE MONEY FROM MY ACCOUNT. BEFORE TOYOTA WAS CONTINUING TO ATTEMPT TO TAKE MONEY OUT OF MY ACCOUNT OF THE XXXX OF EVERY MONTH WHEN I POSTED ON THEIR SITE TO CHARGE ME ON THE XXXX. SO SINCE WHEN TOYOTA TRIED TO TAKE MONEY OUT, MY BANK DECLINED THEIR REQUEST AND NOW WITH TOYOTA IT STATES THAT I AM NOT TO BE TRUSTED TO PAY BY BANK WITH THEIR AUTOMATIC PAY. THIS IS SOMETHING THAT TOYOTA MADE THE PROBLEM A LOT BIGGER. NOW I CAN NOT PAY MY REMAINDING BALANCE AND TOYOTA IS GIVING ME THE RUN AROUND ON WHO TO SPEAK TO AND WHAT THEY CLAIM I CAN DO. I AM ALMOST DONE MAKING PAYMENTS ON MY VEHICLE AND SINCE MY AMOUNT HAS GONE DOWN THEY'VE MADE THINGS DIFFICULT FOR ME TO PAY. I HAVE STATEMENTS WHERE THEY CHARGED ME DOUBLE AND STIL SHOWING I OWE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
We secured a private educational loan in XXXX for our son, with a co-signer who had a relationship with and was invested in our son. The original loan was {$67000.00} and was with Sallie Mae, not with Navient. 

Our son died in XXXX of XXXX before completing his education. We no longer have a relationship with the co-signer, as his relationship was just with our now-deceased son. 
We requested a forbearance every year since his death and were declined every time We were offered a reduced payment plan ( which we accepted ) not realizing that it would 1 ) add to our amount owed 2 ) would forbid us from removing the cosigner from the loan Because we could not afford the nearly {$1000.00} per month loan payments required, we accepted the reduced payment plan so we could manage monthly payments without late payments that were hurting our credit scores As a result, our loan is now close to {$75000.00} and we are stuck, being refused any help by Navient, and are not permitted to remove the cosigner It is unclear to us when the loan shifted from Sallie Mae to Navient, but the ugliness began with Navient We are now almost 10 years into this loan, and owe more now than the initial loan. Navient refuses a forbearance or reduced payoff, and refuses to remove the cosigner We are now nearing retirement and this loan will outlive us. It is a serious financial strain on our lives and an emotional monthly reminder to pay for a loan for our deceased son. 

We will be forced to default on the loan and/or file for bankruptcy if Navient continues to refuse to negotiate.

Company response to consumer: Closed with explanation