vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
The issue that I'm having with these collector is long and it has been going on for a way longer than this should had, first I tried calling the collector trough phone number ( XXXX ) but then an automatic call recording told me that they're not taking calls at the moment and told me to reach them trough email so they can reach me back, at first I just keep calling at different hours and different dates to see if I could have more success of reaching them but they where still always not available so I decided to contact them by mail and unfortunately up to this date I still haven't had the success of reaching a representative to just pay the balance that the account is listing on my credit report so It stops affecting my credit score.

This is just frustrating because it has been taking me more than a month ( not including past one time call attempts ) to just try to contact the collection agency and pay my account so it stops affecting my credit, Keeping on mind there is nowhere I can go to pay, no phone number to call for a representative and pay, only send email and wait for a response that its actually taking more than what they promised. They just reply to me with what appears to be automatic emails and they don't help me pay the account. They also promised to call me back and they've been having me waiting for a call from them, which is what also frustrates me a lot too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: MS

Complaint narrative:
The monthly payment for this account of {$580.00} was paid on XX/XX/2021. The due date is the XXXX of each month. This payment was made at approximately XXXX. 

Once the payment was processed, XXXX listed the date as XX/XX/2021 on the confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my ( the co-signer 's ) credit report files with Experian, XXXX, and XXXX. 

This incorrect information caused my credit scores to drop drastically ( WITH ALL 3 BUREAUS ) and has had NEGAVTIVE impacts my credit scores.

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 2021-06-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables is reporting accounts on my credit file I need removed. I recently took a look at my credit and noticed some accounts were reporting. I have paid these accounts and ask that outsource remove them from my credit file. These accounts have been satisfied however, outsource continues to affect my credit. I know that outsource can report to the bureaus as they deem fit so I'm aware they can remove the collection accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Over the past 6-9 months I have worked tirelessly on improving my credit score. Close to a year ago, my score was approximately XXXX. 99 % of my low score was due to previous health issues and not the best health insurance. Unfortunately I could not keep up with these bills. Today, according the direct websites of XXXX, XXXX XXXX XXXX, my scores are in the XXXX - XXXX range. I also have a FICO score of XXXX. Since XXXX I have tried 3 times to refinance my home. Every time I have been told that the credit score I see when I go to these websites is not the same as the information being given to lenders by two specific credit reporting agencies. I do not understand how as a consumer I am supposed to use platforms like XXXX XXXX XXXX XXXX to see if my credit score is where it needs to be to have the ability to refinance my home, then only to be told the information that is given to lenders does not match what I see in front of me. Every time I ask to have a lender look at my scores, this is considered a hard inquiry, and of course lowers my credit score. I understand there is a window given lenders, but if I go outside of it, it is considered a new inquiry. I am a single mom and work full time and do not have the time or ability to try and contact new lenders in a short period of time only to be told what I see in front of me, is not what the credit reporting agencies are telling the lenders. Even though, supposedly, they go to the same platforms I do, XXXX XXXX XXXX XXXX. The difference in what I see and what I am told the reporting agencies see is over XXXX points. To me, this is the difference between being considered for a loan and not. Attached are correspondence between myself and a lender. Image 002 is what I was seeing on my end and image 003 is what the lender was seeing on his end. I accessed the XXXX Website and he accessed the credit reporting agency, both of these actions done within an hour of each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
( PORTFOLIO RECOV ASSOC ) at ( XXXX XXXX XXXX XXXX, VA XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 been disputed the following account with credit Bureau and they have denied my dispute as item mine, but I'm victim of Identity Theft, account doesn't belong to me. I am maintaining a careful record of my communications with you on this matter. 

For the record, the following information is being erroneously included on my credit report. 

1. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


If you do not immediately remove this inaccurate and incomplete information.

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 2021-06-09 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 been disputed the following account with credit Bureau and they have denied my dispute as item mine, but I'm victim of Identity Theft, account doesn't belong to me. I am maintaining a careful record of my communications with you on this matter. 

For the record, the following information is being erroneously included on my credit report. 

1. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


If you do not immediately remove this inaccurate and incomplete information.

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 2021-06-09 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 — Problem with personal statement of dispute
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
Do I owe this debt to you or to the original creditor? 

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I received two letters ( attached ) in the past 6 months indicating I requested an account with Comentity Bank. Rest assured I did not, so please close any accounts you have on file remove my request and remove the inquiry with XXXX credit reporting bureau Immediately. DO NOT process or proceed any account information. If you have a question replay to THIS email only or call me. There's been a lot of FRAUD during COVID-19 but I don't intend on being a victim. Thank you for your time and expedient action in the matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
We got behind due to COVID 19 being laid off of work. We applied for a modification. 

1. The first time, we got denied because they said we didn't make enough money. They was not counting my son 's XXXX income, even though I'm his legal guardian and the one that takes care of him. 
2. I reapplied. This time, I got denied because I didn't have the paperwork turned in ( on time ) according to them. I have screenshots with timestamps proving they DID have the paperwork, ( on time ) but that was the reason they gave. 
3. I reapplied again. This time I got denied due to not having enough disposable income. Again, I have proof this is not true and yet this is the reason I was denied. 

This has been going on a year. They keep finding reasons to deny us and try to foreclose on our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I contacted SEQUIUM ASSET SOLUTIONS. I provided my information I asked was this for because I don't have any accounts or utilities under my name they refused to assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im writing because of an ongoing urgent issue on my Capital One account. I ordered a cashiers check in the amount of {$7100.00} ( posted on XX/XX/21 ). We were tracking XXXX for the delivery and saw that the status of the cashiers check read delivered yet it wasnt at our location. We contacted XXXX and they stated that they will urgently GPS track driver and reach out to him. We also reached out to Capital One and notified the representative on the same day ( XX/XX/21 ), who stated they can not place a stop payment on the check without a notarized affidavit and to instead reach out to XXXX ( which we were already in the process of reaching driver ). So per capital one no stop payment could be done. The XXXX driver on the same day came back to our home with the envelope from Capital One and apologized for the confusion. Please note, per your website delivery of a cashiers check requires signature, however, per your agent, they no longer require this due to covid. 

Finally, we delivered the cashier check to XXXX XXXX for a car purchase. A few days later, XXXX sent us an image of his check coming back as fraudulent/altered. We immediately contacted Capital One who stated a stop was placed on the check at our request ( we did not fill out a notarized affidavit nor were we told this could be done ). We asked the rep to unstop the check ( they stated this has never been done ). They stated they will reach out to their escalation team that can only be reached via email and they will call back in the next few days. We called back numerous times over the next few days with the same response. The car seller, however, could not wait days for a car that we already had so we then had to write a separate check to him. 

Please assist with this urgent issue. We called back and told multiple reps that since we havent heard back from capital one at all to not unstop check and send an affidavit. Last week we were advised this would be sent via email in 3-5 business days yet no email was sent to us. No representatives have been helpful, we have received no help whatsoever for an issue that was a Capital One error. We would like a refund ASAP as this experience has left us with so much stress and an incredibly frustrating experience dealing with lack of care from everyone we have spoken to so far. We have reached out every possible way and the only answer ever given is, " We will have to escalate this and have someone return your call ''. This has never happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The monthly payment for this account of {$580.00} was paid on XX/XX/2021. The due date is the XXXX of each month. This payment was made at approximately XXXX. 

Once the payment was processed, XXXX listed the date as XX/XX/2021 on the confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my ( the co-signer 's ) credit report files with XXXX, TransUnion, and XXXX. 

This incorrect information caused my credit scores to drop drastically ( WITH ALL 3 BUREAUS ) and has had NEGAVTIVE impacts my credit scores.

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 2021-06-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The monthly payment for this account of {$580.00} was paid on XX/XX/2021. The due date is the XXXX of each month. This payment was made at approximately XXXX. 

Once the payment was processed, XXXX listed the date as XX/XX/2021 on the confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my ( the co-signer 's ) credit report files with XXXX, XXXX, and Equifax. 

This incorrect information caused my credit scores to drop drastically ( WITH ALL 3 BUREAUS ) and has had NEGAVTIVE impacts my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
I use this cryptocurrency exchange called crypto.com. I sold some cryptocurrency ( XXXX  ) for an emergency. I then transferred it to another exchange ( XXXX  ) and it is usually instant but for some reason this time it took hours to proceess. I reach out to the team, and they explain that I have done nothing wrong and I should get money shortly. I have been waiting for 6 hours for my money, and I needed it for an emergency. Now the exchange claims it doesn't know when I will get my money. I am worried, and I know it is not a lot of money but it is mine. They refused to give me an ETA, and I don't know what to do. I wanted know if you may please help me. 

Thank you.

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 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Grain Technology, Inc.
State: TN

Complaint narrative:
I applied for an account with Grain Technology and was approved for a revolving credit line. After reaching out to customer support to resolve an issue with adding my address to my application, I was able to move forward in the process. Twice, I successfully verified my identity and then twice received an error message and was asked to upload a copy of my drivers license and social security card. I did so. I immediately reached out via email and informed Grain that I sent the documents and was told that I could not be verified, the decision was final and my application was now closed. I recently moved and did not yet get my new drivers license which I explained. I offered copies of my marriage license, and other documents to prove my previous address as well as my new one. I was told the reason for my identity verification issue could not be released ( I never asked for a reason ) - I just want a resolution to this issue!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Security National Financial Corp
State: UT

Complaint narrative:
We used Security National Mortgage ( A Team - XXXX XXXX ) because we were led to believe we would get some extra benefit for using the preferred lender of our home builder, XXXX XXXX. XXXX of the big considerations for us was that we were told that we would get {$5000.00} off of the purchase price of our home for using the lender. This benefit alone presented enough benefit to justify switching lenders. At closing on XX/XX/2021 we were told something completely different than what was explained and emailed to us. The purchase price was not adjusted. Our next concern is that we had a 100 % VA funded home loan and were told we would get our earnest money back because we were doing no down payment. Again, at closing on XX/XX/2021 we found that we were not getting our earnest money back. We were deceived and misled by our lender and proper disclosure was not provided about how the benefits would work. Had we known how this process was going to work we would have stayed with our original lender because there was no real cost saving for using the preferred lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
As the Original creditor according to 15 USC 1602 ( G ) I am requesting this account be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: VA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an accounts that does not belong to 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