vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had the chance to go over my payment history letter sent from The Department of Education/XXXX on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from XXXX. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an Experian screenshot of the late payments from The Department of Education/XXXX 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by XXXX, Experian, XXXX and XXXXXXXXn that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATIONXXXX EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATION/XXXX within this complaint so you can see for yourself that I NEVER had a late payment.

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 2021-05-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Have a freeze on all three credit companies. Having major problems with Equifax. Called company to remove freeze as credit is being pulled once more for home closing in three days. To say that this has been an unbelievably frustrating experience is an understatement. I try to login to my on-line account to do this without calling and waiting on hold. I enter my account info and a message pops up that I don't have an account ( I do ). Then I start the process to start a new account as Equifax 's website instructs. I enter all info again and it tells me that I already have an account. I am stuck in this circular, never ending cycle. I then call Equifax 's 800 # and speak to a rep. The rep tells me that the account is reset and to wait 24 hrs to log in. I wait a few days and try to log in using the link they sent to my email and the same circular, never ending cycle repeats. Used different computers, different browsers, cleared cookies, etc. Over the last two years, I've gone through this amazingly frustrating experience process 4 times. Today I tried to lift the freeze again for my home closing and had to call the 800 # ( could not log in on-line ). I've called 6 times today, spent a few hours going through security questions on the phone several times. The call always ends the same " Unfortunately our representatives won't be able to help you, you must mail/fax additional information. '' This is a predatory practice in MHO that forces consumers to purchase a monthly subscription to Equifax 's credit freeze service. A quick search on-line brings up an enormous amount of similar complaints against Equifax and their business ( or lack of ) practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NV

Complaint narrative:
My credit report shows the amount owe for the collection company the amount of {$490.00} with original amount {$340.00}. I was told they could not settle the payment but instead I needed to pay {$580.00} in order to have it paid in full and removed from my credit report. After giving rude communication I asked to speak to supervisor who then proceeded to tell me if I was looking for a discount I want not going to get one and theres nothing they can do. I paid the {$580.00} without any problem but was denied to pay the amount my credit report was stating which was {$490.00} I overpaid because Fidelity said it was a must I had to. Not cool

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-05-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is suing me for a debt that I have proved to them was fraudulent. 

They have failed to verify the debt but states that the debt is accurate. I requested a signed signature showing the debt is mine & they have not provided any proof of this. 

I attached a police report as well as an identity theft report. I'm also including the XXXX XXXX XXXX XXXX. 

Midland has been sued for failing to verify debts in the past ( which I have attached ) & they are failing to verify my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
UPON THE SETTLEMENT AGREEMENT. XXXX XXXX  WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE WELLS FARGO DEALER SVC ACCT # 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 2021-05-22 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: NJ

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2021-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
NetCredit is a rent-a-bank scam. They operate outside of my state of Michigan. I asked NetCredit who loans money through many out of state banks such as XXXX XXXX  and Enova, etc. to allow me to lower my interest rate to the appropriate SCRA rate of 6 % and sent them my XXXX XXXX pay stubs. They acted like the never got the paperwork and then they took out a payment at XXXX percent before my due date for an amount that doesnt match their system as being due and were not authorized to do so. I tried to call them and they are impossible to reach. I had to email them countless times over and over again. After doing a lot of research I found out they are a rent a bank scam and charge more than the 36 % cap and are preying on veteran and military personnel as well as anyone looking for help during COVID in order to charge them outrageous interest rates, pull money at un-authorized times and more. 

III. The 36 % Rate Cap Today A. XXXX Until the deregulation of the XXXX and XXXX, virtually all states had usury caps, though they varied widely and were typically well below 36 % for larger loans.17 But that changed with deregulation, which was spurred by two developments, neither of which reflects on the appropriateness of rate caps today. 
First, a Supreme Court decision permitted banks to charge the interest rate of their home state, regardless where the loan was made.18 The decision led some states to repeal their interest rates in exchange for banks relocating their headquarters. Other states were forced to follow suit or lose their banking industry.19 Why 36 %? The History, Use, and Purpose of the 36 % Interest Rate Cap 2 Second, double-digit inflation squeezed the availability of credit, especially mortgage credit that was often constrained by much lower interest rate caps, and spurred a general climate of deregulation. 
The response of many states to the combined developments was to eliminate interest rate caps.20 Many states today have no usury caps or have carved out holes in their rate caps that effectively gut them. 
B. The Current Trend Toward a 36 % Cap For Small Dollar Loans The 36 % rate for small dollar loans continues to have wide acceptance at the state and federal level. Today, over 35 jurisdictions 70 % of states still provide for annual interest rate caps at the 36 % benchmark or less within their statutory schemes governing small-dollar installment loans by nonbank lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a credit card that is with XXXX XXXX. The only credit reporting agency reflecting this account is Experian. The other two agencies show that the account is closed and no longer should be affecting my credit score. I've reached out the XXXX XXXX and the account is so old that they no longer have any record in their computer systems. There are a number of debt collection agencies that continue to purchase the information which is annoying to say the least. This account should no longer be in my report because it's hurting my Experian Credit score. My XXXX score is XXXX and my XXXX score is XXXX. My Experian Score is XXXX. This should not be in my report any longer.

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 2021-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Hello, I paid off my loan with Cross Country Mortgage/XXXX XXXX in XXXX of 2021. Despite multiple calls to customer service, and after speaking with multiple service representatives and supervisors my $ XXXX escrow balance has not been refunded, and the lender has not provided any information regarding when I will receive my money.

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 2021-05-22 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: Amsher Collection Services, Inc.
State: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me from moving forward with my life, so that I may provide for my husband and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent items be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX-Advertisement online for a {$700.00} Persian kitten. Paid through XXXX. Kitten to arrive XX/XX/2021. Scammers asked for an additional {$1200.00} for a specialized crate for kitten to fly from Texas to XXXX XXXX. Refused to pay the {$1200.00} then all communication stopped.

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 2021-05-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
You guys are trying to deny my claim and block my account, I went to the bank as you guys have told me to, to close down my account and open up a new one, as of today ( XX/XX/2021 ) the citi branch told me that they couldn't do anything until you guys leave a note for me them to allow them to close down the account, this is my account and my money!! i'm trying to be safe!! there must be a hacker out there who made a copy of my debit card and took out my money, you guys need to clean up this mess!!! now i wasted my time and gas money driving to the citi branch just to realized that i can't even close down my account!!! stop lying 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
Consumer complaint received 2021-05-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
UPON THE SETTLEMENT AGREEMENT. CREDIT ACCEPTANCE WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE XXXX XXXX XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
UPON THE SETTLEMENT AGREEMENT. XXXX XXXX WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE XXXX XXXX XXXX XXXX ACCT # 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