vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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 recently checked my credit report and noticed two fraudulent medical accounts XXXX XXXX XXXX in the amount of {$1500.00} and XXXX XXXX XXXX {$65.00}. Along with 3 inquires. I have reached out by phone on XXXX XXXX to EXPERIAN, XXXX and XXXX. I was informed to complete a FTC Identity theft report. I mailed my true identity, supporting documents to validate my identity, and the FTC report on XX/XX/2021. The account came back verified. I called the Companies in question and was informed to call the Credit Bureaus. The Bureaus are not properly validating the accounts. I have not signed or authorized to request for these companies to have financial ties on my behalf. I am disappointed as a consumer the Bureaus are not responsively upholding the credit laws Section 609 AND section 605.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: ME

Complaint narrative:
Starting XX/XX/XXXX Community Loan Serving started charging me an additional {$55.00} monthly. They know I'm on a Forbearance and am struggling. 
I called about this additional charge and was told by a rep it was for a late fee. I told the rep I was not late. The Rep. instructed me that the only way to get it removed and/or get reimbursed was to contact customer service in writing and wait for 30 days for a response. 
I contact customer service in writing, and waited the 30 plus days ... .and then was told it was not a late charge it was property inspection fees and they will not reimburse me. 
That was fine except now, every single month since XX/XX/XXXX until now XX/XX/XXXX the charge remains on my bill for me to pay monthly, and I am forced to pay it, the amount is always {$55.00} dollars and not related to the normal mortgage amount. And no matter what I pay my account goes into suspense. 
In XX/XX/XXXX I received a letter stating that an Audit was issued and I have been indeed over paying and they are going to reimburse me. With this letter was no check or the amount that was due to me for the over payments. 
I called and spoke to a rep which told me she will issue me a {$55.00} check but the remainder of what is owed to me I'll have to fight for it by contacting customer service and waiting for 30 days to hear from them. 
I instead am writing you in hopes you can help me. As I am absolutely confused and exhausted with dealing with this lender for many inconsistencies. Meaning, this is not the only problem I am encountering with Community Loan Servicing LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report.

The following company FNB OHAMA was notified in XXXX that I have not done business with them or opened an account. The account was removed and now in XXXX anew account shows up as opened in XXXX. 
The following account does not belong to me and is a result of fraud that I did not authorize : Fnb Omaha - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please see attachments. XXXX XXXX XXXX XXXX. was hired or assigned an alleged debt by XXXX by XXXX XXXX also known as XXXX XXXX XXXX. This account is labeled as a charge off on my consumer credit report without my consent and there's no legal nor lawful definition defining exactly what this is. Again please see attachments. This isn't a permissible purpose, they have no consent from me, the consumer/original creditor. I demand XXXX XXXX XXXX to be held accountable pursuant to 15 USC 1611 on top of the other violations committed between themselves and 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 2021-05-03 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Ally Financial Services is my lendor for my vehicle loan. Last year I requested and paid additional dollars to place my account on deferrment on XXXX. They told me that this would not show negative on my credit reporting since I was on deferrment, however they listed me as being 30 days late on XXXX and XXXX of 2020. I disputed this reporting. Then they came back and reposted my 30 days late for those months. I began a loan process for a home and had to remove the disputes so I could get the loan to go through without penalities or downgrading of my loan. I sent Ally a registered letter to remove the dispute, after 45 days they sent me a letter stating the dispute was removed but it was not. I reached out to the credit bureaus to remove the dispute, both XXXX and XXXX removed the dispute immediately. XXXX stated it would take 30 days, they would not escallate the removal of the comments. My lender is having to downgrade my loan, which increases my interest rate and my cost for the property. I would like for both XXXX and Ally Financial Services to be investigated and for them to be penalized for their LACK of actions as it is impacting my ability for this mortagage.

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 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OK

Complaint narrative:
XX/XX/XXXX I received an Escrow Analysis from SLS, Mortgage. It showed I had a deficit of {$250.00}. I questioned the deficit because I have always applied overpayment of my monthly mortgage payments to escrow account. I contacted SLS, Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XXXX. Each time no one could explain the deficit. Also, I questioned why my mortgage payments were not consistently the same amount during the year XXXX when I have a static interest rate and loan. Again, no one could answer the question. I requested a Supervisor call back from Escrow. Rec 'd call from Supervisor who could not explain, but says they are in the process of having a department specifically to handle Escrow escalations. I never heard back from SLS. I then emailed them by the email address on their website for contact. I received an email reply, simply saying " my request had been previously addressed ''. To avoid any increase in my Mortgage and non response from SLS, I paid the deficit to avoid an increase in my mortgage payment. I contacted SLS on XXXX to verify payments to Escrow was received and what my house payments would be. Again, they could not confirm and said they would have a Supervisor to call me. This company can not provide me with any accurate information, so I am forced to pay the a mortgage payment that can not be substantiated with evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc.
State: NJ

Complaint narrative:
My mother was admitted to XXXX XXXX on XX/XX/XXXX. She went for elective XXXX but landed in the ICU for almost a month. Instead of XXXX XXXX sending the amount owed after insurance was paid they sent it straight collections. Pro-Co Collections sent a balance of {$4200.00} on XX/XX/XXXX if {$3300.00} was paid in a one time payment they would offer a 20 % discount which amounted to {$840.00}. The one time payment of {$3300.00} was made on XX/XX/XXXX which I have a canceled check and bank statement. Pro-co did not write off the discount but sent it to another collection agency XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$840.00}. Copies of the letters, bank account, canceled check was faxed to both agencies. They refuse to send a letter of XXXX balance even though Pro-Co on a recorded line stated today they have a XXXX  balance on the account. XXXX health has also stated on a recorded line they have a XXXX balance. All three companies refuse to give out the representatives name when asked and they hang up. Then they say they need XXXX XXXX to tell them it's a XXXX balance. We have been dealing with this for months and my parents are elderly. Now XXXX is saying as of today after I told them I was contacting the Federal Trade Commision that Pro-Co had the amount wrong and that a additional charge of {$840.00} is owed but they can not provide where this additional amount came from or how they all went from having a XXXX balance to they can't send out letters saying the balance is XXXX after receiving all the information sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I had a desperate situation with family health issues. I just needed {$4000.00} to take care of business. I saw an add with OneMain Financial Bank. They wanted to give me {$30000.00} instead. Little did I know they would not give me the cash unless they wrap my car loan with the {$4000.00} I needed.

My wife and I had a {$25000.00} car loan with XXXX XXXX XXXX at a rate of 6 % for five years. An affordable monthly payment of {$440.00} Because of the {$4000.00} we needed, will be paying OneMain Financial the same loan at a rate of 18 % for five years ( {$760.00} per month ). 

I am having a lot of problems with my wife for turning OUR 6 % loan into MY 18 % loan. 
I desperately needed to resolve our issue and did not think what I was doing. This is financial terrorism. I hope you can help me lower this monthly payment since I am not working at this time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CHECKED MY CREDIY REPORT AND I SENT LETTER ON XX/XX/2021 ABOUT INACCURATE INFORMATION THAT WAS ON MY REPORTS. I REACHED OUT TO XXXX, EXPERIAN AND XXXX. AS WELL AS TOO ALL CREDITOR AND I HAVE YET TO RECIEVE AN INFORMATION ABOUT MY DISPUTE. I TRIED TO PUT IN MORE INFORMATION IN PAGE 4 BUT IT DI NOT ALLOW 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 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted Experian several times and explained that the address XXXX XXXX XXXX XXXX, MS does not belong to me & I have never lived there. I disputed this address back on XX/XX/XXXX and there were no changes. I also disputes again on XX/XX/XXXX and this was not deleted. I spoke with someone in the special handling department and she did nothing either. This information is not mine & should be deleted from my credit report. I explained that I have been a victim of identity theft & this incorrect information allows easy access to open additional accounts in 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 non-monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
We purchased our home in XX/XX/XXXX, through the Mortgage company AmeriSave Mortgage Corporation. In XX/XX/XXXX our first mortgage payment was in the amount of {$2400.00}. However our mortgage payment history only shows that the payment was only for {$1000.00}. We have sent over a copy of the check for the full amount over to the Mortgage company as proof in XX/XX/XXXX. We have called the Mortgage company at least 5 times, but now it's XXXX of XXXX and the issue has still not been resolved. Nor are we getting response from the Mortgage company on this issue unless we call them. When we call them, they keep telling us that they are working to resolve it and that it would be fixed within 5 to 10 business days, but it's still not resolved. I'm attaching a copy of the original check and the payment history from the Mortgage company website which shows we are only being credited for the {$1000.00} instead of the full amount.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payments. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 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: Kriya Capital, LLC
State: IL

Complaint narrative:
Reported by : Credence resource Management Creditor contact : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Account Type : Collection Agency Balance Amount : {$480.00} Date : XX/XX/2021 This agency Credence Resource management is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
The paypal company limited my account for a period of 180 days, from XX/XX/2020, until today I have waited exactly 282 days without recovering my money ( XXXX US ), this has been unfair on their part, they did not give me response in the agreed time, I need your help and understanding to recover my funds and transfer to my bank account or my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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 makes it very difficult for people to place a credit freeze on their account. Rather than providing it as an option when you login to your Experian account ( as the other two credit bureaus do ), you have to go to an external site ( with no authentication ) and provide your information and PIN. When I tried this, it did not work. I instead received the message pasted at the end of this post. Experian obviously wants you to pay for a credit " lock '', which is easy to place and remove when you login to your Experian account. Requiring people to fill out and mail a form via certified or regular mail is not free, as required by federal law. 

MESSAGE : " To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). ''

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 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stephen Einstein & Associates, P.C.
State: NY

Complaint narrative:
I tried calling the company of Stephen Einstein and Associates on numerus occasions. All representatives refuse to talk to me on the account. They all said there was not any supervisor or attorney I could speak too. They said they are a law firm and don't have follow the FDCPA. They constantly told me I had no rights and said I will be getting a judgement for a debt I do not acknowledge but I was calling to see what this debt was for because it was on my XXXX XXXX. They refuse to get me to anyone that could give me any information. Said they would not send me a validation of debt. Got very rude. Made numerous threats. Would not connect me to anyone helpful. I got hung up on by 3 representatives. Then they wouldn't answer my calls. Just made threats of lawsuits and judgements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: MD

Complaint narrative:
On XX/XX/XXXX SBA Small Business Administration pulled my XXXX 3.0 credit report/score from Experian. This was for a emergency Covid 19 relief loan. I was denied for the loan and told to look at my credit report. I did and saw a bad mark from XXXX for an account that was not mine. I got it removed and refiled again with the SBA. On XX/XX/XXXX My Experian XXXX 3.0 score/report was pulled. Again SBA denied me. I inquired further with SBA as to the issue they explained i needed a credit score of at least XXXX Compared to XXXX which Experian showed them. When i called Experian, to my surprise, my XXXX score was well above this. I ordered a copy by mail for a additional fee My score shows a XXXX this is a 68 point difference. Please see copy. In the meantime I decided to see what XXXX and XXXX  were showing both are showing approx XXXX and XXXX. I noticed in addition that one of my accounts was showing as updated for both XXXX and XXXX but Experian still was not. The last update for this account was showing as XX/XX/XXXX for Experian. However for XXXX  and XXXX  They have been updated to reflect XX/XX/XXXX. We are now in XXXX. It appears XXXX  is deliberately manipulating 2 sets of scores for the exact same scoring system XXXX 3.0. It also Appears Experian is deliberately not updating my accounts as the other 2 credit bureaus are. Thier call center seems to be overseas and thier staff seem to not know much about the XXXX 3.0 program.

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 2021-05-03 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 recently checked my credit report and noticed two fraudulent medical accounts XXXX XXXX XXXX  in the amount of {$1500.00} and XXXX XXXX XXXX {$65.00}. Along with 3 inquires. I have reached out by phone on XXXX XXXX to XXXX, EXQUIFAX and XXXX. I was informed to complete a FTC Identity theft report. I mailed my true identity, supporting documents to validate my identity, and the FTC report on XX/XX/2021. The account came back verified. I called the Companies in question and was informed to call the Credit Bureaus. The Bureaus are not properly validating the accounts. I have not signed or authorized to request for these companies to have financial ties on my behalf. I am disappointed as a consumer the Bureaus are not responsively upholding the credit laws Section 609 AND section 605.

Company response to consumer: Closed with explanation