vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I learned yesterday that I have had no insurance coverage on my condominium. I contacted my mortgage company and was told my insurance was not included in my escrow. I went home and retrieved my loan documents to confirm they were to be included. When I again contacted the mortgage company they basically said " yes, we screwed up but you should have caught it. '' I was never contacted by the lender, the insurance company or my insurance agent. My agent said he had never been notified by the carrier that the policy was being canceled, in fact when he looked on their website is showed the policy was active but when he called he was told it was canceled in 2019 for non payment. Now no carrier wants to cover me because of the lapse in coverage. My agent said he could perhaps get XXXX XXXX to cover me but it would be extremely expensive. 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 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
I have never received any communication from the debts from Healthcare Receivables that are reporting on my credit report. Per government statue medical collections are given a 6 month window before the post a collection on your account. I would of paid the collection for {$120.00} and the other on that is for {$160.00}. It amazes me that doing the time of Covid that companies will have such illegal debt practices. I contacted the original creditor and my account was billed to insurance and covered, so why the need to collect? I'm submitting this complaint against HEALTHCARE RECEIVABLES GROUP due to their total disrespect for my consumer rights under the FCRA/FCBA/FDCPA. I've been disputing incorrect and unverifiable information and requested intimate information about the suspected account, including a copy of an agreement with my signature on it, but I have yet to receive anything.They refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. My life has been completely ruined by this as I am in the process of getting a mortgage. I need help as I have had enough of their stalling tactics. I hope to get a positive response soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I applied for a mortgage via XXXX XXXX XXXX two days ago, I was denied, fine, and today they pulled my Experian report but it was typed in differently, instead of all caps, instead of, XXXX XXXX, it was XXXX XXXX, I have not resubmitted the application and it is pulling my score down with unauthorized inquiries.

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 2021-10-22 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:
Hello my name is XXXX XXXX and I am XXXX years old. I am disputing everything on my credit report. I am not old enough to have credit and unfortunately somebody used my name and social security number. My mother XXXX XXXX has tried to reach out to the creditors on my credit report and she was unsuccessful. I would like all items removed off my credit. My mom even sent over documentation that I am a minor and not old enough to have credit cards XXXX/XXXX {$830.00} Closed 43 potentially negative months XXXX XXXX/XXXX XXXX  Closed {$210.00} 5 potentially negative months XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There are addresses on consumer report that have been found to be addresses which do not belong to me, I have never lived at the listed addresses being reported on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABSOLUTE CREDIT  LLC
State: GA

Complaint narrative:
On The XXXX day of XX/XX/XXXX, Absolute Credit LLC sent out a " debt verification '' letter as I previously asked them to do. However, they sent back four sheets from a doctor 's office that included medical procedures and people 's personal information that did not belong to me. The social security number provided does not belong to me and has never been associated with me there are also no signatures on the paperwork leading me to believe this is fictitious and the dates do not coincide one day says XX/XX/XXXX, one says XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NV

Complaint narrative:
The car was purchased in XX/XX/XXXX and was scheduled to be paid off in XXXX of XXXX. As I continued to pay the auto loan off, it was sold from the original loan holder to the current loan holder, Westlake portfolio. The payoff amount continued to increase and never indicated the payoff occurring at the time of the contractual agreement. I contacted the company through a law firm and have not been able to get a respectful answer or solution to this concern. The last time someone spoke to me was on. XX/XX/XXXX. A supervisor named XXXX XXXX. She said the companies attorney, XXXX XXXX, would contact me and freeze the reporting until this matter was rectified. To date, this has not happened, and they continue to report to the credit bureau on me being late or missing payments. This has dropped my score by over 90 points.

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 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I have called BridgeCrest more than 4 times trying to speak with someone that can explain why is the account still showing on my credit report. The car loan was taken out online by a family member that use to live with me I have sent in affidavits and proof of ID to no avail. I even sent in the check to pay the car in full for {$9700.00} which I was told by a rep named XXXX and to mail the check to XXXX XXXX XXXX XXXX XXXX AZ. One month the amount was showing I owed {$8000.00} now it is showing {$9700.00} a complete audit needs to be done and any over payment sent back to me. But to get rid of this thorn in my side I paid the {$9700.00} and I want this account removed immediately. BridgeCrest has been paid now do the right thing. I also believe it is time to start applying fines against BridgeCrest and to move my complaint up higher so it can get resolved immediately.

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 2021-10-22 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: AES/PHEAA
State: TX

Complaint narrative:
I have filed a dispute regarding my credit report.. It has been well over 30 days and I haven't yet to receive any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The addresses that are being listed on Transunion report do not belong to me, I have never lived at any of the addresses listed on my credit reports.

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 2021-10-22 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: OneMain Finance Corporation
State: NY

Complaint narrative:
I am a victim of identity theft due to the XXXX data breach XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX  - {$830.00} - XX/XX/XXXX ONEMAIN XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I have more than a year making my monthly payment on time but I cant see any statement that showed my remaining balance after I did the payment. 
Sometimes I sent {$500.00} in order to lower my debt and finish early but when I see that they apply this amount to the next payment instead to my principal balance as I tried to do it. I called them several time about this issue and they said that I have to made the payment on my due date otherwise they apply it to the next month payment, also I make the payment through my bank payment system, I scheduled it 10 days before the due day and they told me several time that the payment didnt arrived on time, I made the payment through their website because they said to do it like that and the next day my bank payment went through, in that way they get duplicate payment but they do not applie it to my balance. I need to see my monthly payment statement where I can see the remaining amount balance after they apply it.

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 2021-10-22 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: NV

Complaint narrative:
In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processed on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72 points. In addition I verified that for months XXXX and XXXX of XXXX no payments has been reported as per the installment agreement arranged in XXXX of XXXX that On Time reporting for covid 19 reasons. In addition XXXX of XXXX has no reporting either for reasons I am unaware.. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XXXX of XXXX and they were successful in getting my XXXX XXXX account corrected with XXXX only. The account was corrected with XXXX, however after after 45 days the incorrect information came back. TransUnion has remained unchanged after several attempts to resolve directly with 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 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
THIS IS XXXX XXXX XXXX AGAIN THE LAST TIME THAT I WROTE TO YOU TO MAKE A TWICE COMPLAIN WAS ON XX/XX/2021, SINCE THAT TIME AND MORE BEFORE THIS PROCESS OF LOSS MITIGATION THAT I SEND ALL PAPERS AGAIN THE BANK FIRST BANK OF PUERTO RICO NUMBER OF LOAN XXXX. THE BANK NEVER CALL ME, NEVER SEND A LETTER SINCE A WHOLE OF MONTHS AND AND ANOTHER SUPER MISTAKE I LOST MY MOTHER AND FATHER FROM XXXX AND ALL THIS TIME WAITING AND WORKING WITH THIS SAD PROCESS AND NOTHING FOR THE END THIS BANK FROZE MY BANKING ACCOUNT JUST, BECAUSE MY MOM HAS AND MONEY ACCOUNT IN THIS BANK. NOT I MAKE ANOTHER COMPLAIN BUT REALLY ITS SO SERIOUS WITH THIS BANK TO ME BECAUSE I THINK THEY WANT TO WIN TIME TO MAKE ME A TAKE ME THE HOUSE AND I GON NA SLEEP IN THE STREETS OF XXXX XXXX SO SAD. BECAUSE I WORK TO HARD THE LAST 17 YEARS THANKS AND BLESSINGS PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
Unfortunately, at the height of the pandemic, I found myself with a dental emergency addressed by Dr. XXXX 's office. I provided my insurance information, he took care of the matter, and that was it. Not the case at all!! For more than six months, I have been battling with his office and Capital Accounts Inc because, somewhere along the line, the billing office has submitted the wrong social security number on my claim, and XXXX XXXX has not been able to pay it. Both my insurance company and I have made multiple requests to remove my information from collections because the error needs to be corrected on their part. We have spoken with the office manager, who is extremely rude and refuses to take my information out of collection until they get paid. How do you penalize a patient for an error committed by your staff? I am seriously considering suing. Dr. XXXX is an excellent oral surgeon ; however, regrettably, he is surrounded by incompetence. I do not know who else to turn to, but I feel victimized by the inability to resolve this matter due to his staff 's ineptitude.

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 2021-10-22 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:
After i noticed this Random account being repoted to my Consumer Report I Contacted Experian via Phone XX/XX/2021 to notify them of the Adverse item. The Representative was unable to assist me even after i notified them of the specefic account that was being reported inaccurately. they were completey ignorant to the law. on XX/XX/XXXX i wrote the company notifying them of the Law Codes they were in violation of & i have not heard anything back from 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 explanation
Consumer complaint received 2021-10-22 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have filed a dispute regarding my credit report.. It has been well over 30 days and I haven't yet to receive any results..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
I have two target red cards, a debit card & a credit card. At this time I always just used my debit target red, because it come straight out of my bank account and I still receive the 5 % off all purchases. I purchased a {$7.00} sweatshirt with the target app. And Im not sure if there was an update to the app that switch it over to my credit red card, but the purchase went to the credit red card instead of the debit red card. I hadnt used my credit target red card in forever, so I to my knowledge I had no balance on the credit card. So 4 months later I checked my FICO score on my XXXX app and my credit score dropped from an XXXX to the low 600s. I paid the {$7.00} + {$3.00} in late fees to target, but I cant get this mistake off my report. And Ive been trying to get my credit score back, but after 2 and half, 3 years My score is XXXX. Im so frustrated bc I definitely had {$7.00}, but I had no idea it was on the credit target red card. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
I recently refinanced my home loan. The old mortgage company that had the escrow was BSI Financial Services. I had to establish a new escrow when we did the refinance and I was told that BSI would refund me the current escrow within 3 weeks. I checked the law and they have 20 days to do that. They have not refunded me the money which is over $ XXXX. I have contacted them multiple times. They only responded the first time saying they were processing the request and sent no information on timeline or anything. Since then they haven't responded at all to my requests. At this point they have held my money for over the legal 20 day period without returning it to me and I need government assistance in forcing them to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: LEXISNEXIS
State: PA

Complaint narrative:
LexisNexis used a database to fish out negative information on me, the consumer and sold this negative information to other consumer reporting agencies without my consent ( Chapter XXXX Bankruptcy filed XX/XX/2017 ). This is a direct infringement upon my right as a consumer to privacy. LexisNexis also did not have a permissible purpose, nor did they have written instruction to do so. I have sent a letter via certified mail to LexisNexis advising of the following violations, and I have asked them to cease and desist of these actions immediately.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction Please see the attached certified mail receipt, along with proof of delivery and the letter sent to LexisNexis XXXX 

Thank you in advance for your time and assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: NC

Complaint narrative:
XXXX and XX/XX/2021 payments are showing past due when it should show current and not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Collection company fraudulently reporting inaccurate information to keep account open. I never opened any accounts in the year or month these companies are saying that I opened these accounts. Each company failed to send me any information containing my application with signature saying I agreed to open these accounts.

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