vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: MS

Complaint narrative:
I attended XXXX  XXXX XXXX  Fall XXXX to XXXX XXXX, received Masters on XXXX XXXX, XXXX. I worked at XXXX at the time in a leadership role. The company paid for my education to attain the Masters Degree Program in order to develop my career. I have filed Chapter XXXX twice and the 1st time XXXX. XXXX XXXX told me that they were paid off after the 1st chapter XXXX. When I began to get more notices for student loan debt, they began to garnish my check. I filed chapter XXXX again to gain help from legal regarding student loan. I did not succeed and I dismissed the chapter XXXX in XX/XX/XXXX. I contacted ECMC and began a payment plan of {$770.00} each month as I am in fear of them garnishing my check. My identity has been stolen more than once without my knowledge or permission. I did not attend school in XXXX. As the ECMC accused of disbursing {$400000.00} to me for expenses incurred at the XXXX XXXX XXXX. No, I did not get these funds.

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 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and have been since XXXX. My social security number was used and is still being used to a person in XXXX XXXX FLorida, This person was able to obtain a drivers license, create credit card accounts, was able to and still is able to rent apartments and even own a business with my SSN. 
I received a debt collection bill indicating that I have not paid the apartment complex. I have never lived in XXXX XXXX Florida. This person also has skipped out on medical bills along with the balance owed to the apartment complex. 
Needless to say I am very bothered by this situation. I contacted National Credit Systems regarding the {$2900.00} outstanding bill that was reported and on my credit report. 
I filled out all of the paperwork requested and necessary to take this off my credit report since it is affecting my scores and my report. 
I sent a 109 page packet that included all information needed as proof that this identity thief has been using my SSN for their identity. I also included a copy of my Social Security card, birth certificate, marriage certificate, copy of driver 's license and IRS documents that have been cleared of my name. 
I reached out to National Credit Systems in XX/XX/XXXX to inquire if they had received my 109 page certified packet. 
Mr. XXXX XXXX the collections manager informed me he would help me, but as of today he has not come through. I called many times just as he requested and encouraged, but I have not received a call back. 
I wanted to know two things : if my package was received by him and if he sent the package to the identity theft department. He has not answered my calls after repeatedly leaving voicemails with him. 
I need the the debt that was not mine to come off my credit report. I feel violated. I also need to know if my sensitive information is at the identity theft department. 
This is unfair and I feel disregarded when indeed nothing has been done on the part of National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to improve my credit which dropped while waiting for the federal to pay me it took a year to get social security XXXX and took two years to get my XXXX retire which cut my income to forty percent of what is was. I have had severe medical issue which do not allow me to work. that is just a little back round my question is how and why is there such a discrepancy of numbers. I am trying to buy a house thru VA and i have been checking my credit diligently. My Experian number that i get thru my XXXX XXXX XXXX XXXX which i pulled on XXXX was XXXX but the number there credit company pulled onXXXX was XXXX i do not understand how there can be the big of difference.my XXXX number were XXXX report XXXX then the mortgage report is XXXX onXX/XX/XXXX. Then my XXXX  score on XXXX was XXXX and on the report XXXX was XXXX. I called the Mortgage company to ask them to explain why the difference is so great there answer is I do not know i explained my situation they said the only way to help was to pull credit. Then they pull the credit and tell me to try again in six months which puts another mark on my credit. this was XXXX XXXX who i was dealing with. Next i called the company who did the report to ask for help understanding the differences in the report. they say there is nothing they can do. This was XXXX XXXX and XXXX acquisitions. I have been working on this credit for four years At my low i was XXXX because I had to voluntarily return vehicles because of lack of pay. My wife and i have had exceptional payment history for three plus years including exception rent history. So i need help with being protected against in accurate information being posted. We are getting free credit report and checking credit daily are credit shows that we qualify for the nymbers required. these company say let us pull your credit so we can help but never fulfilled the action offered. I explained this ahead of time but they still run your credit so now have more inquiries and credit goes down.

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 2020-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The Capital One Account/XXXX XXXX XXXX debt of {$530.00} was paid on XX/XX/XXXX. 

XXXX XXXX XXXX/Dr. XXXX XXXX debt of {$210.00} was paid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
When Covid first started back in XXXX, I asked my mortgage company ( Shellpoint Mortgage Servicing ) if I could put my loan/home in forebearance. They allowed me 3 months which were XXXX, XXXX & XX/XX/XXXX. During this time, knowing they were going to expect a full payoff of the 3 months payments, I spoke with XXXX XXXX that was handling my account and asked her if the 3 months forebearance period could be deferred. That request was also granted. In the beginning of XXXX, I decided to refinance my house at a much lower interest rate. Soon after submitting all the information, my prospective new lender told me that Shellpoint had reported 90, 60 and 30 day late payments to the credit bureaus. I was absolutely furious, as I have never made a late payment on my mortgage. I contacted Shellpoint who acknowledged this was THEIR error and that it would be fixed when they reported at the end of the month. Yesterday, I found out that that request was closed because the gentleman didn't complete the correct information. I have called, and called and called trying to get this error on the part of Shellpoint fixed so I can move forward with my refinance but I can't get ahold of a person to speak with. I can only e-mail which I have 3 times and never get a response. I'm at my wits end with this company. I just want them to fix my credit report and remove the derogatory information they reported. I don't see how it's that difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Back on XX/XX/XXXX I filed a complaint here # XXXX against ; XXXX XXXX XXXX Citi Card. 

Since then I have gone back and forth with XXXX XXXX XXXX Citi Card submitting the same information over and over again. I even called to ensure they received the information only to get the same email again requesting proof of cancellation. 

I first sent them this on XX/XX/XXXX, again on XX/XX/XXXX, on XX/XX/XXXX, then on XX/XX/XXXX, a follow up on XX/XX/XXXX, then on XX/XX/XXXX, and lastly today ( XX/XX/XXXX ). All of these emails were sent in reply to the same request over and over from XXXX XXXX XXXX Citi Card I called numerous times, this claim first began on XX/XX/XXXX, it has been two years of nonsensical requests for information they already received. 

The claim # with XXXX XXXX XXXX Citi Card is XXXX - Citi card ending : 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 2020-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one is displaying late payments on my credit report. I never paid late. I am a mother of XXXX kids with a XXXX XXXX XXXX this is affecting my credit very badly and preventing me to give my kids the life they deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Went online to unfreeze my report and filled out all the information correctly and it keeps saying I have missing information and does nothing. 

Experian https : //www.experian.com/ncaconline/removefreeze I have had this problem before and the other agencies have corrected this and I unfroze them easily today. 

There is something wrong with their site and they still have not corrected it. 

They purposely make it difficult so you purchase their products.

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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX did loan modifications in 2008 for our house. 

It was a 40 years mortgage split in two parts : 1- 1st XXXX  on {$360000.00} @ 2 % starting rate. 
2- 2nd XXXX XXXX {$89000.00} without baring interest or payments. 

We have been paying our mortgage payments on time without missing any. 

Shortly after, XXXX XXXX sold the loan to S P Servicing company. 

Our current interest rate is 5.125 % for the remainder of 40 years contract. 


Why the S p servicing doesn't adjust our loan payments accordingly knowing the fact that our interest is adjustable on the loan, in comparison with the going interest rates given by lending institutions are below 2 % at the present time. 

We have been struggling to pay our mortgage all these years on time, and currently we have our house for sale due to financial difficulties. 

My request from you is to get REIMBURSED for all over charged interest rates we have been paying to S P Servicing all these years. 

Please advise as what action you will take to resolve this issues. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX in reference to an account that has incorrect payment history. I requested that they send me information showing that the payments I made were late. I received nothing in response. I sent this letter via Certified mail and have proof that they received it. I made payments in the months that they are recording as late. The notes state that I was 60 days late in XX/XX/XXXX. I made payment on XX/XX/XXXX. My records show that the payments were made within the 30 day Credit reporting window. I have contacted the local store and was advised that the account appears current and I should contact Corporate.

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 2020-11-04 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: NJ

Complaint narrative:
XXXX XXXX is displaying late payments on my credit report. I never paid late. I am a mother of XXXX kids with a XXXX XXXX XXXX this is affecting my credit very badly and preventing me to give my kids the life they deserve.

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 2020-11-04 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: NJ

Complaint narrative:
XXXX XXXX is displaying late payments on my credit report. I never paid late. I am a mother of XXXX kids with a XXXX XXXX XXXX this is affecting my credit very badly and preventing me to give my kids the life they deserve.

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 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I never open this account with XX/XX/XXXXand for sure do not owe them {$940.00}. I can not remember doing business with them. I disputed this account with CREDENCE RM and requested validation of the debt and until now they are unable to provide me proof that I owe you this debt. No update, changes, or investigation are made on this account. I carefully review my credit report from time to time and this is completely the same as how I disputed it the first time. My request for documents, statements, details about this debt, payment history are completely ignored. Which made me decide to escalate this and take legal action. CREDENCE RM needs to remove this from my credit report. There is no reason for this account to be in my credit report. If CREDENCE RM is unable to provide me documents that I needed to validate this account no reason that it should be showing and negatively affecting my credit score at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX me and my husband sent a certified method of verification letter to Experian regarding a public record item, bankruptcy on our credit report. On XX/XX/XXXX and XXXX both receipts were signed ; however, Experian has not responded to our MOV letter as of today.

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 2020-11-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I did not apply for loan with XXXX and can not get any information regarding such loan when asking for documentation the company university XXXX XXXX just keeps putting in a email to there own employ who is in charge of XXXX affairs and she does not respond with any information about this loan. Every time i dispute this on Experian  it comes back as accurate and will not be removed off my credit report. 


This is a email showing that the brr has called on XXXX XXXX, XXXX of XXXX and on the XXXX of XXXX asking for the promissory note to be sent to him showing he did sign up for the loan. To this day we have not gotten a response back yet. 

If you require additional assistance, please contact this office at XXXX. Representatives are available weekdays from XXXX XXXX. to XXXX XXXX. CST. 

Sincerely, If you require additional assistance, please contact this office at XXXX. Representatives are available weekdays from XXXX XXXX. to XXXX XXXX. CST. 

Sincerely, XXXX XXXX Customer Service Representative XXXX, a XXXX company Phone : ( XXXX ) 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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I paid {$2800.00} to settle One Main Financial account, i have disputed this account 2 times. 
The first time they didnt not change or update credit report. 
the 2nd time they deducted the total amount owed by my settlement amount and report that i still owe $ XXXX and do not show that they account was been settled with {$0.00} owed. 

I have a copy of settlement letter showing that the account is settled and balance owed is {$0.00} but they are refusing to update credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I obtained an online loan approval from Bank of America on XX/XX/XXXX to purchase a used car from a " franchise dealer '' up to {$15000.00} at 3.19 %. I received an email stating that my application was approved. I was told to go to the franchise dealer and they would use that loan application to create my auto loan. 

On XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX in XXXX and selected a XXXX XXXX XXXX to purchase for {$13000.00} ( purchase price of {$11000.00} plus dealer fees ). At time of closing, the Finance person stated Bank of America would now not honor the previous terms and conditions but instead would offer only {$12000.00} at 5.24 %. The dealer then offered me dealer financing at similar but slightly more favorable rate. 

I perceived this as at best, steering to the dealer financing, and at worst a bait and switch. As this was XXXX at night, I paid cash for the vehicle and contacted Bank of America to address the issue the next morning. 

Bank of America stated that they could not provide financing unless I went through the dealer 's financing department. I escalated. Bank of America stated that unless the dealer would " undo '' the transaction they could not help me with a loan secured by the title. The dealer declined to make this right. 

Bank of America apologized, but did not make this right with me. They made no effort to honor their original loan offer, but tried to say that because they didn't know which car I would choose, they were always going to change the loan terms and conditions ( increase the APR ) based on the used car I selected.

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 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc.
State: GA

Complaint narrative:
I have contacted Advance Collection Bureau , Inc. on the following dates requesting validation of the account that are being reported to XX/XX/XXXX and XX/XX/XXXX. The dates are XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. This company has failed to provide appropriate validation of the account. After receiving a letter on XX/XX/2020, I called and spoke with a representative on XX/XX/2020 at XXXX XXXX, who reports that is the only information received from the apartment complex that the debt was purchased from at the time. The representative inform me that I would have to send a type letter to her manager if I need additional validation. I inform the representative that I will not be sending her manager a letter when I have requested validation four time. The representative became upset and I did inform her that I will be submitting a complaint to CFPB and she said okay no problem I will make note of that. Attached is the letter I received from the collection agency on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have never signed any paperwork nor had any credit application or business with Jefferson Capital System. I have no idea of who or what this company is, yet they are on my credit report stating that I owe them {$12000.00} which is inaccurate. This information which is inaccurate is very detrimental to my credit profile.

Company response to consumer: Closed with explanation