vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Hello we applied for a new loan to refinance our existing mortgage and take advantage of interest rates. At first there was great communication. As soon as I handed over my info and paid for the appraisal I could not get q reaponse to an email or phone call to save my life. Im currently entering the 4th month since initial agreement to refinance, my rate lock has expired and I have contacted supervisors and managers with no return phone calls or emails. Every so often I've receives an email about new conditions underwriting is asking me to clear or provide documentation for and follow up agyer submitting documents.

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 2020-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient has been reporting my student loan as a charge-off status since XXXX but the account has been delinquent since some time in XX/XX/XXXX-XX/XX/XXXX. The delinquency is greater than 7.5 years old and would have been removed from my credit report had they not reported my last date of payment was on XX/XX/XXXX. This payment was made by the co-borrower, my father, when he settled his portion of the loan. Unfortunately he was misled by Navient and thought he was settling the loan in its entirety. Navient then put the account in to charge-off status in XXXX and has been asking for the full amount ( including the co-borrower portion that was settled ) to be paid by myself. I believe this is a deceptive tactic. I also believe they can not continue to report inaccurate information to the credit bureaus. I have tried to reach out to them several times since XX/XX/XXXX. Their only response has been to forward me to a third party collection agency for settlement or to get me to settle the loan for its entirety including paying the amount my co-borrower already paid when he settled his portion. I have also disputed the incorrect date of last payment with the credit bureaus multiple times over the past year. Navient continues to say the information being reported is correct despite having letters from them and the payment to Navient from my co-borrower bank account reflecting the XX/XX/XXXX payment was made by the co-borrower not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
I have had 4 different collections agencies try to collect on a debt that is not mine and they have reported this debt to my credit reports and each time I have filed a complaint with the Consumer Financial Protection Bureau each time and the agencies removed the collections from my report and then its sold to another. Now Nationwide Recovery Systems as added this debt from XXXX for {$1000.00} to my XXXX credit report, I have never received any bill or statement from Nationwide Recovery Systems or  XXXX. I have spoken with XXXX XXXX and they do not sell their accounts, they further stated that they only your Focus XXXX XXXX   to collect on all of their past due accounts. 

This is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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 — Problem getting your free annual credit report
Company: Certegy Holdings, LLC
State: TX

Complaint narrative:
I presented a check at a XXXX grocery store in XXXX XXXX, Tx on XXXX ( Check # XXXX XXXX for groceries for {$98.00}. They refused the check and told me I had to contact Certegy about the problem. I mailed a FACT Act Free Annual File Disclosure Request Form to Certegy on XXXX. I have not received any information from them. I did the request form on the phone with Certegy on XXXX File # XXXX and still have not received any information from them. The same day I mailed the FACT Act Form to Certegy, I also mailed a credit request form to all three of the credit reporting companies ( XXXX, XXXX  and XXXX  ) and have received all three reports back from these credit reporting companies. All my reports are in good standing. Certegy has NOT mailed me a report nor have they contacted me in any way about why they have refused to accept my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: NY

Complaint narrative:
Dates : XX/XX/2019 Amount {$38000.00}. 
Action taken : Fraud Affidavits for all accounts were sent to the company and credit bureaus. Disputes were sent and asked for an authentic contract and or application on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmule Mortgage agreed to work with me because I was struggling to make Payments at the end of last year. Consequently, I made payment arrangements and entered into a forbearance period. However, I was told that the payment amount was due in full at the end of the three month period. Nobody could honor the loan in this situation moving forward after what was considered favor. The forbearance was in a fact a death sentence to me owing the property. It was ominous! I panicked and sold the home on XXXX XXXX  XXXX. After, they post a late payment to my account. When the escrow to sell was closing, I was told at least five times that the derogatory information would be removed and that I just had to wait and be patient. Months later, they have not removed the late mark that is harming me during this pandemic. I need to buy another house to live in ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/2020 my stimulus check of {$1700.00} was deposited into my closed TD bank account. Ive reached out to TD bank on XX/XX/2020to verify that my account was closed and to see if they sent the {$1700.00} back to the irs they said the money was sent back but could not give me a date. On XX/XX/2020 the irs ran a trace on the money and it shows that td bank still has the money. I reached out to td bank again on XX/XX/20and spoke to the manager at the XXXX CT location who said he reached out to the ACH department and they told him the money was sent back. I called td bank again onXX/XX/20 to find out why the irs has yet to get the money back I asked them when was the money sent back they could not give me a date as to when the money was returned to the irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-21 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: I.C. System, Inc.
State: CA

Complaint narrative:
I canceled my internet service with XXXX  on XX/XX/XXXX. I returned the equipment on XX/XX/XXXX in its XXXX office with a Receipt No. of XXXX. XXXX  sent me to a collection agency, I.C.System, Inc. ( ICS ) under Reference No. XXXX, two years later. I never received any correspondence from XXXX  prior to this collection letter about the fact that XXXX   has not received the equipment from me. 

I called ICS today, XX/XX/XXXX, and told the representative I do not owe XXXX  anything because I returned the equipment. She said that if I do not pay, that come XX/XX/XXXX, I will see a negative report on my credit history. She did not ask about any other information, or if I have any proof of returning the equipment. 

I then called XXXX and spoke to XXXX, XXXX ( XXXX 's supervisor ), and XXXX ( ID XXXX, XXXX 's supervisor ). All three of them said, the best they can do is send an email to see if they can find the equipment. They can not really contact the collection agency or stop the negative report on my credit history. I can just dispute the negative credit report from the three credit agencies once it shows on my history.

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 2020-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: KY

Complaint narrative:
The mortgage company failed to apply my payment to my account. Instead of paying my monthly due they applied it towards an interest payment only -without my consent- and then applied late fee All Insurance Payment Principal Only Download 2020 Due Date Date Received Principal Interest Fees/Costs Escrow Suspense Payment Amount XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$0.00} XX/XX/2020 XX/XX/2020 XXXX {$1300.00} ) {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$660.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$660.00} XX/XX/2020 XX/XX/2020 XXXX {$660.00} ) {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$1300.00} {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$2600.00} ( {$2600.00} ) {$0.00} s to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-08-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I refinanced my home to lower the interest, I had a check mailed to me for escrow balance.. the check was stolen out of my mailbox, the perpetrators opened a virtual wallet account at XXXX XXXX.. I contacted XXXX and XXXX XXXX right away to stop the payment to the perpetrators. XXXX listened to me and stopped the payment to the perpetrators and is holding the funds and I have a direct contact at XXXX to contact. However WELLS FARGO AND XXXX XXXX HAVE NOT CONTACTED XXXX TO RETURN SAID FUNDS TO WELLS FARGO AND REWRITE ME A CHECK FOR MY MONEY .... I have done everything XXXX XXXX has ask and nothing is happening ... This has been going on since XXXX!!! 100 's of phone calls later and nothing!! The only person I have a direct contact with and holding the funds is at XXXX they have been awesome.. I spoke with XXXX at XXXX today and NO ONE has contacted her and my money is still sitting there. Will someone 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 2020-08-21 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: Service Finance Holdings, LLC
State: NV

Complaint narrative:
i lost all XXXX of my jobs and lost XXXX relatives. i am deeply affected by the pandemic and my employer is not allowed to open yet because i work for XXXX  and XXXX XXXX in XXXX XXXX. i was able to sign up for 120days of deferred payment with service finance. but i still cant pay them to this day, i still dont have a job and the governor is still not allowing my employers to open. i called service finance to try to sign up for more time in deferred payments. they said they cant help me. i also asked for a hardship assistance, i asked that maybe they could help me out but they told me that they have absolutely no help to give and there is no hardship assistance they can help me during this covid-19 pandemic. i dont know what to do. they will ruin my credit report and charge me late fees. Service Finance Company LLC have no heart. they expect people be back to be miraculously back to normal after 4months. this covid-19 pandemic took so many people and i lost all XXXX of my jobs. they dont even offer any hardship assistance. they wouldn't care if you'll want you to kill yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$2300.00} Have no information as I did not authorize this nor have a received anything from this company.

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 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Ive reached out to this company for the removal of a collection that was never owed. Ive never been under contract with the company and when I called they claimed that they could not even find the account, resulting in the removal of the collection from my credit report. The collection is now back on my credit report after being removed and negatively affecting my score, putting me and my family further behind during a worldwide pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I previously held a Bill Me Later account, also know as Pay Pal credit. The original service provider over the account was XXXX XXXX. On XX/XX/XXXX I entered a hardship program on the account with XXXX XXXX. They required that I pay {$52.00} upfront to bring my account current and they would decrease my monthly payments to {$36.00} a month, which I did. On XX/XX/2019 my account was transferred to Synchrony Bank and they became my new service provider. Synchrony Bank immediately started report my account as 120+ days past due to the credit bureau ( starting XX/XX/2019, even though they were not my service provider at that time ). I called Synchrony Bank asking why my account was showing 120 days past due even though I paid the {$52.00} to bring the account current. No one could give me an answer outside of ( the hardship program does not bring the account current, it just modify the payments ). I ask multiple people in the company what was the amount I needed to pay to have the account no longer show 120 days past due and no one had a number. As month passed I continued to call, file better business complaints and Synchrony Bank never gave me a solid answer why they were reporting this 120+ day delinquency. So recently I got fed up and emailed the CEO. I immediately got an email saying someone will reach out to me about my account. One business day later a representative from the office of the President for Synchrony Bank reached out to me. She told me they had to report the 120 + day late payments and could not go back and remove the late payments, even though I've already paid the account off and settle the debt. I asked her why did I pay the {$52.00} initial payment to bring the account current. She told me I entered the hardship program with XXXX XXXX  and they do not have access to any of the documentation from them. 

I am confused on how I entered a hardship program with the XXXX XXXX, paid to bring the account current ( at the time of them being my service provider ) and a new service provider takes over the account and voids that agreement. 

Synchrony Bank representative told me if I had some kind of documentation showing I paid the {$52.00} to bring the account current they may consider that. 

I called XXXX XXXX  and they keep sending me over to Synchrony Bank because they no longer service Pay Pal accounts. I am literally getting the run around to remove late payments from my account that should not be there.

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 2020-08-21 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE 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 2020-08-21 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE 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