vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not give any of these companies permission purpose for run my credit. These accounts/inquiries are not verified. I have no knowledge of these companies. See attached letter. I demand that this be removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was told if I provided all information, including my degree, proof of employment, financial records, tax documents and the fact that I have paid a private loan on time for over 4 years. My co-signer would easily be removed. after receiving the run around for my private loan with navient ending in # XXXX. Not only was I declined a co signer removal after talking with staff and managers alike they laughed in my face. To the degree where a representative told me and I quote. " Well if you want out of this loan, you should just pay it off ''. I lost my job of 4 years to covid in XX/XX/2020. Not only did I never miss a payment I paid on time. To hear staff and managers be this inconsiderate and tone deaf to our society and what we are going through was extremely sad and disgusting behavior. 

Next issue is a private loan with Navient that was paid in full in XXXX. It is loan ending in # XXXX. I have called several times because not only has the loan been paid off, it is still reflecting on my balance due. It is bad enough that my balance is $ XXXX for an XXXX XXXX, which to be honest seems criminal considering the jobs in which I can get with an XXXX XXXX will never equal to my compensation being $ XXXX. The private loan is paid in full and still reflecting on my navient account. I called today was transferred 3 times had to give my entire personal information in full from social security number, address, DOB and phone number and then still had to verify which account I was calling on to 3 different people. This has happened so many times in the past I have lost count. Today I was kept on hold by a manager who proceeded to tell me they see it's a charge off they can't do anything about the over $ XXXX balance remaining on the account or that it is adding to an overall balance due of $ XXXX but then attempted to transfer me to the charge off department within navient that somehow magically closed. I'm beside myself. If I could waive a magic wand I would of never went to school. These issues have brought me to attempted suicide and add to my stress to where I ended up having a misscarriage. This entire system is flawed and is destroying lives. We need help and people that work at Navient need to be investigated and fired for misconduct. If I could I would bring up criminal charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have tried for almost two years to get the BofA to commit to a refi on my home without putting me through a hard inquiry and denial that will damage my XXXX FICO score. I have home improvements to make to my {>= $1,000,000} home that are important for my health, and a lower interest rate would be very helpful. My mortgage balance is less than {$300000.00}. The bank has lied repeatedly about and throughout the process. The bank sold my homes mortgage to XXXX XXXX without any initial disclosure. Their story changes every time they feel like it since the CFPB nor the OCC have any teeth to make them financially responsible for their subterfuge and discrimination. About a year ago I spoke with BofA refi specialist XXXX XXXX ( XXXX ) who told me that I could not get a refi regardless of my hi FICO score ( XXXX now ) or the fact that Ive been paying my mortgage faithfully and on time for over forty years and have no plans to move. They would not qualify me for income. The loan is obviously secured by my huge equity and I am secured by my excellent credit. How does the banks position of no refi for a XXXX responsible woman make any sense?

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 2021-08-11 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft ACIMA CREDIT FKA SIMPL Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4.Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian and XXXX  are still reporting inaccurate and unverified information particularly 2 bankruptcies on my credit report. Experian & XXXX  have stated that they verified this information via the court & XXXX XXXX both of which are lies, the court house provided a letter stating they do not verify any information to any third party vendor or credit bureau, a formal complaint has been filed against XXXX XXXX in which they replied they removed both bankruptcies due to not being able to verify, I have attached the letter from XXXX XXXX in which they have removed the bankruptcies. Experian and XXXX  must do the same since there is no bankruptcies to verify.

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 2021-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
During the height of the pandemic in XXXX of 2020, I was evicted in Arizona, this in violation of the rent and utility moratorium. The utility moratorium was in full effect, despite this, during XXXX of 2020 XXXX  XXXX XXXX turned over for collection utilities owed ( despite them being in a place of moratorium ) to XXXX XXXX XXXX, a debt collection company. This company is incorrectly purporting that I owe a debt. However, XXXX never tried to reconcile this debt directly with me. Also, the utility was placed in moratorium at the time. Therefore they violated the order in place by the Governor. This needs to be removed from credit reporting agency and returned to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to get financing for a vehicle credit. I was eager to go to the vendor until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me finance for any vehicles. This got me unsuspecting I have consistently perceived the significance of having and keeping up with great record of loan repayment. So I generally gave a valiant effort to ensure I kept the entirety of my issues all together. So obviously I was brimming with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be taken out. This is slander of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a purchaser 's standing. FCRA 15 USC 1681 states that a buyers credit report is the shopper 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the XXXX  information break.

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 2021-08-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to get financing for a vehicle credit. I was eager to go to the vendor until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me finance for any vehicles. This got me unsuspecting I have consistently perceived the significance of having and keeping up with great record of loan repayment. So I generally gave a valiant effort to ensure I kept the entirety of my issues all together. So obviously I was brimming with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be taken out. This is slander of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a purchaser 's standing. FCRA 15 USC 1681 states that a buyers credit report is the shopper 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the Equifax information break.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Media Collections, Inc
State: FL

Complaint narrative:
This company called my work place on XX/XX/2021 after they could not reach me at my personal phone number and gave XXXX XXXX information to a coworker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is illegally trying to collect on a debt that is NOT mine. It was originally through Complete Credit Solutions who was previously notified of the debt not being mine and they could not verify the debt to which they removed it from my credit reports XXXX closed on Transunion and I will a separate complaint about that ) and stopped trying to collect on it. 

Now Complete Credit Solutions has apparently sold it to XXXX XXXX XXXX. This has been an ongoing issue for over 12 years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. 12 years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations The letter that XXXX XXXX XXXX clearly marks that XXXXmplete Credit Solutions is the current creditor and that the original creditor is XXXX XXXX XXXX. That in itself is so far removed. I am sick of 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 2021-08-11 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: TX

Complaint narrative:
I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and Experian, XXXX  and XXXX. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to Experian and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.

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 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I sold my home with a CrossCountry mortgage on XX/XX/XXXX. I received my escrow refund check ( $ XXXX ) at my new address in Texas around XX/XX/XXXX. My check got lost during the moving process and I quickly submitted to get it reissued. They informed me I had to wait 6 weeks. On XX/XX/XXXX I submitted for a check reissue. I was told it could take up to 60 days to get the check reissued. Around XX/XX/XXXX I called again and informed me they had " forgotten '' to process the check reissuance and committed to expediting the check. I just called again today on XX/XX/11, and they said it will take 60 days to process, and there was nothing in their notes about expediting the check. There was nothing I could do but call back the following Monday and wait my 60 days. 

This is a significant amount of money they're holding on to, and although I take full responsibility for the additional 6! weeks it takes to reissue a lost check, I've lost my faith that this check will get reissued at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have XXXX  XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX  XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. 

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.

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 2021-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have XXXX XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys.

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
I have XXXX XXXX XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Ple
ase.

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 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX I called Lakeview Loan Care asking to remove insurance from my escrow account and provided via fax Evidence of Insurance paid by me. I received verbal confirmation that this is taken care of. Appears it was not. I received via mail Annual Escrow Account Statement dated XX/XX/XXXX. I called Lakeview to clarify the Escrow ( taxes & Insurance ) monthly monthly amount that in the statement listed {$270.00}. Appears that includes insurance that I a been paying for 2 years myself and Lakeview receives the EOI from insurance company. 
XXXX tax amount was {$1700.00} XXXX should be charged $ XXXX instead of {$270.00} XXXX. Principal and interest is fixed {$1100.00} Seems that overcharge is $ XXXX for no one was able to explain why and/or for what. 
Current monthly payment was XXXX. Eff XXXX Escrow on the Disclosure Statement {$300.00}, new monthly payment : {$1400.00}. XXXX taxes {$2400.00} XXXX $ XXXX XXXX, which seems overcharge is going to be {$100.00} The customer service is horrible after half an hour on hold I was told that the " request will be expedited ''. The person was so unqualified to answer any questions so after continuous request was transferred to another person to another 30+ min on hold. I was told they the Lakeview loan servicing haven't received request to remove Insurance and taxes in XXXX of XXXX. I can not make anyone to take notes or process the requests. If the CSR confirms that it is done- I continue to make payments for insurance and appears continue to be charged for it for almost 2 year. The CSR promised that the request has been submitted and there is no one to talk to in the Escrow Department. I requested to receive confirmation via e-mail that the request was submitted again- have not received anything of course. 

To my opinion Lakeview LoanCare is overcharging not only me : it could just one case, however I tend to think that it's a pattern. Customers, that choisen or were forced to have Escrow accounts know that property taxes and insurance every year increase and not having time or ability to figure out. However that id the financial institution can not add 3 columns I see it as a huge problem. The overcharge thousands a year without getting caught. When get caught " will expedite '' not been able to provide any figures how much overcharged and for what : property taxes or insurance, or both. 
Someone should look and audit Lakeview LoanCare activity. 

Regards, 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 2021-08-11 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: Credit Karma, LLC
State: ME

Complaint narrative:
Credit Karma , Inc. refuses to update my legal name after over 60 days since XXXX  provessed my legal name change on XXXX XXXX. After requesting an account closure, Credit Karma , Inc. issued a check payable to my old name that can not be legally cashed to due to the name discrepancy. I have been unable to access {$10000.00} of tax return funds. Credit Karma support informed me that they could only write the check out to the name they have on file, which they refuse to update after I have submitted all related documents to prove the legality of my name change and repeatedly requested for investigation and clarification.

In my most recent communication with Credit Karma support, Credit Karma disregarded my most credit reports from XXXX  and XXXX dated XX/XX/2021 that I provided and insisted that I contact XXXX  to resolve the issue. From multiple calls with XXXX  and XXXX, both bureaus stated that my credit reports have reflected my new legal name for several months and that the problem is on Credit Karma 's side. However Credit Karma support continues to disagree with this assessment and again insists that I contact credit bureaus for resolution.

Company response to consumer: Closed with explanation