vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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: AL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 

1. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX BANK, XXXX, XXXX XXXX XXXX, and XXXX are all fraudulent and needs to be removed

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 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/XXXX or XXXX 2020 I can't remember the exact date I called to settle this debt was to make a settlement back in XXXX of XXXX but everything shut down due to the covid and I loss wages. So when I called to try to settle again the rep was very nasty to me and asked me if I couldn't pay the settlement offer then and there why would I be trying to fix my credit right now which was very disappointing to hear. she was just flat out XXXX to be a floor supervisor.. Then called today which is XX/XX/2020 came up with a settlement amount of XXXX agreed to that then the guy says if you can't pay it by XXXX of XX/XX/2020 then you have to pay the whole amount of XXXX if I needed 30 days. I then said to him agency 's usually give you 30 days to pay the settlement amount so you and them can get the agreement in written, he then said use your common sense " NOT EVERY AGENCY HAS THE SAME RULES '' I then said to him how unprofessional that was. He says if you need to XXXX XXXX you can't get the settlement you have to pay the full amount. I explained to him I don't need that long I just need 30 days from today which would be XX/XX/XXXX he said NO!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I attempted to clarify a technical issue using my debit card to make a purchase from Farfetch.com on XX/XX/XXXX in the amount of {$890.00}, the live chat rep by the name of XXXX stated my account does not have sufficient funds as of today, XX/XX/XXXX, transaction was authorized on XX/XX/XXXX when account had sufficient funds.. The account showed a pending charge in the said amount, {$890.00}, from XXXX on XX/XX/XXXX. However, I received an email from the merchant today stating order was cancelled for security reasons, their rep stated there is no block on their end and after looking into it further, Citibank declined it for whatever reason ... I suspect it was decined due to high amount, location of merchant, and or past fraud charges from another merchant which I reported recently and prior debit card ending in XXXX was closed out.. XXXX did not understand what I was explaining, the account was authorized, account had sufficient funds to cover it on XX/XX/XXXX, it was cancelled by Citibank..It appears to be a technical issue or Citibank flagged it because of amount and or location of merchant..As stated before, I attempted to clarify this but the live chat rep did not understand.

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 2020-09-16 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: CA

Complaint narrative:
Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped 84 points! Obviously, this will get anyones attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my 2 car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped 84 points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the 84 point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I originally refinanced with XXXX XXXX XXXX XXXX ( NMLS # XXXX ), Loan amount {$140000.00}, 30 yr., VA IRRRL XXXX 2.75 %, PITI {$930.00}. 

My first payment was sent with an extra principal payment of {$360.00} for a total of {$1300.00}. The loan was transferred to a servicer Paramount Residential Mortgage Group , Inc. ( NMLS # XXXX ) XX/XX/2020. 

My servicer disclosed the same loan amount of {$140000.00} and noted that I was in default on my first payment. I notified PRMG of the discrepancy and put out a trace from my bank on the payment made through online banking. XXXX  XXXX XXXX has confirmed that the payment has cleared. Check XXXX {$1300.00} ( extra principle of {$360.00} ) was mailed to XXXX XXXX XXXX XXXX for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/2020.The payment was applied on XX/XX/2020. After notifying XXXX XXXX XXXX, a payment with an initial escrow balances collected during settlement was sent to PRMG. PRMG has misappropriated the first payment of {$930.00} plus the extra principle payment of {$360.00} and has not corrected the balance. 

I have since sent two additional payments for XXXX and XXXX, {$1300.00} & {$930.00} respectively. Check XXXX for {$1300.00} ( extra principle of {$360.00} ) was mailed to Paramount Residential Mortgage for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/XXXX, XXXX payment was applied on XX/XX/2020. Check XXXX for {$930.00} ( no additional principle ) was mailed to Paramount Residential Mortgage for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/XXXX, XXXX payment was applied on XX/XX/XXXX, XXXX.However, PRMG is still showing that I have an outstanding balance. Additionally, the outstanding loan amount is also incorrect as payments have been misappropriated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
DEAR MANAGER/NAVIENT! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was over charged by XXXX XXXX they charged me XXXX dollars and sent me a bottle of XXXX cleanse instead and charged me for it too. I didn't even order it. The bank put the money in my account twice and took it back twice. They said they showed documentation that they sent me 5 bottles of XXXX XXXX. I never received them or they would have went back to the company. Now the bank refuses to help me. I didn't know it was a scam. I will never order nothing from them again. No one would listen to me I got so frustrated with the bank and XXXX XXXX. One was telling me to call the other.

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 2020-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
There is a hospital bill I paid {$100.00} that was bought by another collection company and given a new balance of {$90.00}. I never received a letter from Harris & Harris Ltd stating that I had owed them. It appeared on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, National Credit Adjusters appears to have purchased a debt from XXXX XXXX XXXX XXXX for an account where the Original Creditor was " XXXX XXXX ''. This account was originally opened XX/XX/XXXX, and originally went to collections in XX/XX/XXXX ( according to a previous credit report pulled in XXXX ). As of XX/XX/XXXX, NCA changed the " Date Opened '' on the debt to XX/XX/XXXX, thereby resetting the time the debt will remain on my credit. I believe they did this using the COVID-19 pandemic as some way to justify changing the " Date Opened ''. I have filed disputes with both XXXX  AND XXXX but both concluded the information was accurate, per the information provided by National Credit Adjusters, even after I told them to check my report history and they were able to see the previous account from XXXX  XXXX XXXX XXXX with matching balances while I was on the phone with the Credit Bureau 's Customer Support. However, I have my credit report that was pulled back in XXXX, when I purchased my house, that shows the Original Date on the Debt w/ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and going to collections in XX/XX/XXXX. I'm filing this complaint because I believe that National Credit Adjusters is purposefully committing fraud, using the COVID-19 pandemic as an excuse to " reset '' the original date of debts they've purchased, in hopes of being able to force collection. I have the previous credit reports to backup my information that this debt did NOT originate in XX/XX/XXXX, but in XX/XX/XXXX and due to the debt being eligible to come off my report next year, believe that National Credit XXXX is maliciously attempting to capitalize off of loopholes due to the pandemic, in order to keep the debt on my credit, and possibly even pursue legal action against me in the future in order to collect. Neither XXXX  nor XXXX will explain to me how the Original Date of the account was allowed to be changed, nor what documentation National Credit Adjusters provided to backup their claim. This account is severely impacting my credit and at this point I'm at a loss as to how to protect myself in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX while banking with Chime I was the victim of fraud. A hacker posing to be with XXXX and claiming to fix my unauthorized charges. The hacker ended up withdrawing {$800.00} from my bank account through Chime. I immediately contacted a Woman from Chime Member Services to tell her what happened. She told me to fill out Customer Affidavit of Erroneous Transfer and fax it back to the claims department. I did so right away, I also included the phone number of the hacker as well as my account details showing where he took the money out put it back in and then removed the money. After a week I hadn't heard back from Chime so I contacted them through messaging through my bank app. I received a response that it was being reviewed and I would be contacted within 10 business days. On XX/XX/XXXX Chime closed my account without any further communication.I reached out to them by phone and my call went to a voice recording stating my phone number was associated with a closed account. I could not access my app. So I reached out this time through email asking why my account was suddenly closed 14 days after the fraud incident with no communication. Also on XX/XX/XXXX my only form of income my NYS unemployment payment had gone into my bank account a day earlier than the always Wednesday payment date. After my account was closed I immediately changed my form of deposit to another banking source. Unaware that my check had already been deposited into my now closed account, I gave NYS Unemployment the 5 days to make the change over. However this past week I received my current payment, and contacted NYS Unemployment who stated it was released on XX/XX/XXXX to the Chime account. I have received no answers from Chime about any of this, not the fraud, where any of my money is. Then lastly, today I was contacted by my internet provider stating that yesterday my payment to them of {$260.00} that I paid through my Chime checking account on XX/XX/XXXX to an agent over the phone was returned to them yesterday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NY

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX removed the closed account # XXXX from my XXXX report, but not from Experian or XXXX report. 

I'm requesting XXXX XXXX XXXX to include Experian and XXXX in the removal of my closed account # XXXX. Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Due to the global Covid-19 pandemic I entered into a payment assistance program for my mortgage with Bank of America ( BOA ) where my payments were supposed to be deferred, no late fees no reporting to the credit bureaus for three months XXXX, XXXX and XX/XX/2020. The payment assistance program was scheduled to end on XX/XX/2020. However, as my income was restored I opted to exit the payment deferral program early on XX/XX/2020 and continue to make mortgage payments. I received a letter stating that I was unenrolled in the program successfully. I also spoke with a BOA employee and received a confirmation number of the cancellation of my participation in the program. In XX/XX/2020 BOA put me back into payment program without my consent. In XX/XX/2020 BOA changed my account number for my mortgage loan. In XXXX confirmed that my mortgage payment for XX/XX/2020 would be reported on my BOA account by XX/XX/2020. But instead they simply reenrolled me into the payment assistance program without my consent and did not reflect my XX/XX/2020 online payment. BOA claimed that I asked to be enrolled in the program on XX/XX/2020 but my payments were/are current and I did not request to be re-enrolled into the program. They also added {$1000.00} plus dollars on my account with no explanation. In addition, BOA reported to the credit bureau that I owed an additional XXXX on my mortgage loan. In addition, my credit score dropped points as a result of this falsification of my mortgage account on behalf BOA. BOA also put a note on my credit bureau accounts but I do not have access to what information they wrote. As a result, I am not able to refinance my mortgage and get good terms and interest rates. 
Furthermore, my escrow account is in a negative balance even though I have been paying my loan. They not provided explanation for the deficit in the escrow. I am submitting this complaint on XXXX XXXX, 2020. My payment has ben submitted for my mortgage on-time for XXXX payment but since BOA can not confirm my exit from this program I am also worried they will not report my payments and the due date is of XXXX XXXX, 2020 is approaching. The keep sending me email messages that I have not paid XXXX mortgage but I paid it already. I paid XXXX mortgage XXXX and XXXX mortgage on XXXX XXXX, 2020. There are discrepancies in the amount BOA has for the principal, interest and escrow. Statements from XXXX, XXXX, XXXX and XXXX say conflicting amounts that do not make 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 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
On XX/XX/2020, I received a letter from ERC stating that I was delinquent {$1100.00} on my XXXX XXXX  XXXX XXXX XXXX. My bill is paid through auto draft ; I do not have any debt. The referenced account number is not mine. My name on my XXXX XXXX XXXX bill is spelled differently from the spelling of my name on the ERC collection statement. My husband 's name is on our XXXX XXXX  account. I called both XXXX XXXX XXXX and XXXX XXXX. The referenced account number is XXXX ; no such account exists with either company. 
Furthermore, XXXX XXXX XXXX account XXXX XXXX with a XXXX. The referenced account starts with a XXXX I also called ERC using the number given in the statement I received and the number given online for the company. I believe it was the same person who answered both calls and both times said the same thing. They verified my current address and they also gave the same supposed former address which was not mine. 
They asked for the last 4 of my social security number. When I declined to give personal information, they said they could not help me. At first I thought someone was fraudulently using my name and address. But after discovering that the account number doesn't even exist, I am suspecting scam activity by ERC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CA

Complaint narrative:
Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped XXXX points! Obviously, this will get anyones attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my XXXX car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped XXXX points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the XXXX point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.

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