vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from Aargon collection agency asking to pay a debt in the amount of {$39.00} and interest {$4.00} on the behalf of a creditor XX/XX/XXXX XXXX Hawaii XXXX. They also state that my account is or may be reported to credit reporting agency. I called the collection agency right away. The told this debt is from services received on XX/XX/XXXX. As a matter of fact I have never been on Hawaii at this period of time. I lived in California. I received some services from XXXXXX/XX/XXXX on XX/XX/XXXX and paid them on XX/XX/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 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I took a phone out with XX/XX/XXXX, paid the phone off completely months early and got the phone unlocked. I made sure that I had no balance left. Months laters after receiving no notice I had a collection account from SOUTHWEST CREDIT SYSTEM saying I owed XX/XX/XXXX {$85.00}. I called XXXX and they said I did pay off the phone and got it unlocked but I had another bill of {$85.00} due because I wasn't charge for last month when I paid the phone off and got it unlocked. The rep I spoke with when I paid the phone off never told me this but anyway I paid it and they said the collection would be removed and it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NY

Complaint narrative:
The credit bureau has ignored my dispute for over 30 days and the inaccurate information is misleading and impacting my credit report.

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LoanCare, LLC
State: MA

Complaint narrative:
I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by Loancare. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider LoanCare.

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 2021-02-02 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: FL

Complaint narrative:
It Stared with an oldXX/XX/XXXXCell Phone I used to owned with XXXXXX/XX/XXXX. I was doing my own investigation who has the phone on XXXX Search XXXX. The phone was located Somewhere in XXXX, NY and also at a near by ONE MAIN FINANCIAL XXXXXX/XX/XXXX XXXX XXXX. XXXX NY where the crime took place in XXXX. The suspect are not making any payments of the Funds {$900.00} dollars. The suspect or suspects are still using the same phone number. My photo picture is still at use as a wallpaper when making a phone calls and the name XXXX still appearing.They are not making payments back. They hold Monthly payments of XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX. XXXXXX/XX/XXXX Credit Score Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CarMax, Inc.
State: FL

Complaint narrative:
CARMAX AUTO FINANCE XXXX Opened XXXX  Balance {$15000.00} Many times delays that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: ERC
State: PA

Complaint narrative:
On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NC

Complaint narrative:
On XX/XX/2020 I submitted a letter regarding erroneous items on my credit report. It has been 46 days and I have not received a response. Section 611 ( a ) stated that failure to investigate these items within 30 days should result in immediate removal. I request to have these items removed promptly or I will take legal action. In addition, my information was also compromised by the Equifax data breach and as a result may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis resolved inaccurate information with Public Records section of my XX/XX/XXXX andXX/XX/XXXX These Two Entities Refuses to Acknowledge any Update information and by law refuses to delete unknown information. Their system E-Oscar, is verifying inaccurate information consistently and not verifying with the actual source Lexis Nexis. I need these two Entities to follow FDCPA and FCRA. They are breaking laws and violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This happened in XX/XX/XXXX -XXXX XXXXI was told by Capital One that I had to call everyone, and each month I did until I got tired of it. WE are not working, how can the economy keep charging us fees and interest rates for credit cards during Covid. It makes no sense. 60 % of the population in the US is not working. These stimulus checks and government assistance is helping a little but not enough to pay my credit debt. Also, with the merge of Capital One and XXXX really affected my credit even worse. Also Capital One on XX/XX/XXXX offered an outrageous offer of an account program for all my accounts for short term of XXXXAPR. And informed me they could not make my payment lower then that, but I should still make the payment but I will continue be charged fees and late fees only for 2 cards because they can not offer me no late fees for all my credit card with Capital One. So, now they can change my APR to lower my payments and fees. I did not bring Covid to the U.S. so why people with low income are getting hit the worse. The state of North Carolina is not absorbing any of our fees from credit card companies. I do not understand when an healthcare pandemic happens we are held liable for bills and credit cards. What more important credit cards or a human live? 
Capital one did not even want to consolidate my debt due to there merge with Walmart. How as an consumer am I protected. I been a XXXX XXXX for years, helping and this is how XXXX XXXX are treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a call this morning, XXXX XXXX on XX/XX/XXXX, from a XXXX with Ad Astra Recovery Services Inc. She was calling me in an attempt to collect a debt. I was informed that I owed money for a short term personal loan from XX/XX/XXXX for {$600.00} through Speedycash.com. I have never in my life taken out a personal loan, nor would I. This is absolute fraud! I have no documents, no nothing ; I was only just made aware of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
In XXXX of 2020 SLS Mortgage, charged off my second mortgage with no explanation. Resulting in me dropping 38 points on my credit score. Which also shows me now having a charge off in my report as well as my wife 's report. A Charge off is not a good look when you are preparing for future purchases lower interest rates, home improvement loans, car loans. It shows that you are a credit risk. After some research. Sls is notorious for doing scams on consumers. I will not be there latest victim. 
My account shows that I was current. So i don't have anything to attach.

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have a chime credit builder account and not able to pay the {$14.00} balance because they said I can only pay with chime checking account. My chime checking account is in the negative so I cant use it until I get it fixed. Chime credit builder also offered another way to pay it from another bank. I called Saturday XX/XX/2021 to speak with the company about paying my credit card from another bank. The associate I was speaking to didnt know what I was talking about and I wasnt understanding how she didnt know what I was talking about when Im the chime app it says I can pay my credit card with another bank. How do you work for a company and not know all the details about it. She didnt want to transfer to nobody as well. Now my credit is messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: MI

Complaint narrative:
Debt was paid in full on XX/XX/2020. We were told XXXX would update our credit report within 30 days. They are still reporting a balance to this day on all 3 credit burueas for {$54.00}. They recently mailed me a letter requesting me to settle the debt of {$54.00} and pay {$27.00}. This account was paid in full!!!!

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2021, I received my FICO from Experian. According to Experian, my FICO score increased by 44 points. Reporting my score as XXXX. 
On XX/XX/2021, I applied for a personal loan with XXXX. XXXX pulled my credit score that XXXX. This reporting is inaccurate. This inaccurate reporting prevented me from receiving the best interest an APR. 

I would like to challenge this reporting. Find out why there is this huge disparity in reporting. I request that XXXX be provided with my updated FICO 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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/XXXX I submitted a dispute via certified mail to XXXX noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.

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 2021-02-02 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: NY

Complaint narrative:
on XX/XX/XXXX I submitted a dispute via certified mail to XXXX noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
When I contacted the apartment complex that summited the debt, ( XXXX XXXX ) they had no record of my living there. They then directed me to call the main office, they also had no record of me living there. I've also contacted the collection agency ( rent recovery ) they said they have signatures and my social on file saying that I did live there. I have never lived in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
I received a call this morning, XXXXXXXX XXXX on XX/XX/XXXX, from a XXXX with XXXX  XXXX XXXX XXXX XXXX She was calling me in an attempt to collect a debt. I was informed that I owed money for a short term personal loan from XX/XX/XXXX for {$600.00} through XXXX I have never in my life taken out a personal loan, nor would I. This is absolute fraud! I have no documents, no nothing ; I was only just made aware of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had a student loan account in collection and had derogatory status. I reconsolidated my student loan accounts and the company I went through, paid those accounts off. One account did get removed from my credit report while the other still remain. With all the documentation I have to verify, this account keep getting denied.

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 2021-02-02 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: VA

Complaint narrative:
I had a student loan account in collection and had derogatory status. I reconsolidated my student loan accounts and the company I went through, paid those accounts off. One account did get removed from my credit report while the other still remain. With all the documentation I have to verify, this account keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
My loan was sold from XXXX XXXX to PennyMac. When the loan was sold, my escrow account information was inaccurate, leading to me owing over XXXX more per month. The issue took 3 and a half weeks to resolve, and was just resolved after 11 phone calls and a supervisor from XXXXXXXX XXXX calling them and emailing them for weeks. 

On multiple instances, the error in documentation was found ( multiple errors ) from emails that XXXX XXXX sent to Pennymac, and it turns out they had the wrong persons account information under my escrow account. They refused to acknowledge the mistake, no matter how many times we noted the mistake and told them to correct it. They also did not respond to any emails ( 8 automatic replies 3 weeks later ) and never sent me any documentation of any sort about the changes/ decisions that were made. Each time when I called, I received different information about how to respond, who to go to, and timeframe for response. I was also told they would not change the amount owed, even though it was different from my closing disclosure. Eventually, I just needed to be on the phone for two hours and demand they fix it immediately, which led me to a supervisor who was able to correct the error. 

Very, very disappointed in the company, they clearly do not know how to resolve issues, nor have an interest in resolving issues. My advice to anyone is ask for a supervisor immediately and demand that the issue be resolved while on the phone, otherwise follow-up will not occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Services , LLC. has engaged in several violations of federal law. I have contacted them countless times in the past to resolve these issues amicably. However, they refuse to take all my demanded actions that are my rights as a federally protected consumer pursuant to the Fair Credit Reporting Act under Title 15 Chapter 41. I have begun my private administrative process against this company and have attached my first Affidavit of Truth I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX resolved inaccurate information with Public Records section of my Transunion LLC and XXXX Credit Files. These Two Entities Refuses to Acknowledge any Update information and by law refuses to delete unknown information. Their system E-Oscar, is verifying inaccurate information consistently and not verifying with the actual source XXXX XXXX. I need these two Entities to follow FDCPA and FCRA. They are breaking laws and violating 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 2021-02-02 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: NY

Complaint narrative:
on XX/XX/XXXX I submitted a dispute to Transunion requesting that inaccurate information being reported on my credit report be validated or removed. In received no validation. I then submitted a follow up dispute on XX/XX/XXXX. Once again I received no validation

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 2021-02-02 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: FL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is very alarming and needs to be resolved!

Company response to consumer: Closed with explanation