vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I did a refinance on my home for a debt consolidation. Within my debts that were paid ; Credit Acceptance was paid {$3100.00} with Check # XXXX dated XX/XX/2017. 
We had requested a payoff 3 times due to our closing date being pushed back. We obtained one for XXXX, then XXXX and finally the last one on XX/XX/XXXX17 for the {$3100.00} payoff. 
The intention of this payment was to payoff this loan. Since it was late and was short, the intention is that this payment should have been applied as a principal reduction, NOT payments. 

Thank you.

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 2018-11-30 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: WI

Complaint narrative:
The credit reporting agency investigated my complaint of inaccurate information on my credit report being furnished by XXXX ( XXXX ). I advised the credit reporting agency that the furnisher failed to update information that once may have been accurate but due to payment deferments and forbearances was no longer accurate. From XX/XX/2015-XX/XX/2015 XXXX has reported late payments. I provided the credit reporting agency with a copy of the approved forbearances showing the months that were reported as late as having a XXXX balance due. 

XXXX XXXX reported XX/XX/2015 as 90 days late but reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as on time. They then reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as each 120 days late. This reporting defies logic because how can XX/XX/2015 be 90 days late but the 90 days previous are all reported as on time payments? Additionally, how can one make a late payment for a balance that is XXXX? 

The credit reporting agency has failed to acknowledge and consider official documents provided to me directly from the furnisher, on the furnisher 's letterhead that shows there was an approved deferment/forbearance for the months that were reported late. Instead they made small modifications to my payment history which did improve my score some but still do not reflect accurate information. The FTC wrote an opinion on this matter and explained that information that was once accurate but is no longer accurate needs to be updated to reflect the current information.

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 2018-11-30 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: WI

Complaint narrative:
The credit reporting agency investigated my complaint of inaccurate information on my credit report being furnished by XXXX ( XXXX ). I advised the credit reporting agency that the furnisher failed to update information that once may have been accurate but due to payment deferments and forbearances was no longer accurate. From XX/XX/2015-XX/XX/2015 XXXX has reported late payments. I provided the credit reporting agency with a copy of the approved forbearances showing the months that were reported as late as having a zero balance due. 

XXXX XXXX reported XX/XX/2015 as 90 days late but reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as on time. They then reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as each 120 days late. This reporting defies logic because how can XX/XX/2015 be 90 days late but the 90 days previous are all reported as on time payments? Additionally, how can one make a late payment for a balance that is XXXX? 

The credit reporting agency has failed to acknowledge and consider official documents provided to me directly from the furnisher, on the furnisher 's letterhead that shows there was an approved deferment/forbearance for the months that were reported late. Instead they made small modifications to my payment history which did improve my score some but still do not reflect accurate information. The FTC wrote an opinion on this matter and explained that information that was once accurate but is no longer accurate needs to be updated to reflect the current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted disputes to Transunion with my identifiers for items on my credit report. I have not received responses. Around XX/XX/XXXX a submitted a complaint through this system for the same issue, XX/XX/XXXX Transunion claimed they would resend results from XX/XX/XXXX to me. I have yet to receive the response. A year later they are beyond violating the FCRA, this is malicious ...

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 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
After renting from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ky. XXXX for 2.5 years never being late for rent, never being wrote up I received a 30 notice to vacate by the XX/XX/XXXX, no reasons, because when I started living there I was a truck driver and three months after being there I had to stop because of health problems, which made it hard to get a apartment cause I had started getting XXXX XX/XX/XXXX my income had changed, so it took me to the end of the month before I found one, but I did not come back to the premises after XX/XX/XXXX, I went to a XXXX XXXX and stayed a little over a week, put my furniture in storage. I got in the new apartment the XXXX or XX/XX/XXXX did not look back or go back to the other apartment cause of being furious about what they had did. Left the deposit. About XX/XX/XXXX I went online and saw that XXXX XXXX said I had some activity and found a bill from a credit collection agency for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Ky. XXXX for XXXX one of the bills was for rent of XXXX for XX/XX/XXXX and I had vacated and the other was for late fees of XXXX a constable fee, a clean up fee, etc. I see it as gouging me and extortion for a outrageous amount as you will see on the last rent payment is XXXX which there was a XXXX lockout fee which I thought was overly priced for a key and XXXX or XXXX fee over XXXX utility cap, they were also known to charge XXXX a day late fees for rent, etc. I did not find out about these outrageous fees until after I moved in. My point being is that I never knew about this XXXX charge until I checked XXXX XXXX, I had no chance to dispute before it went to my credit report, I am walking with a cane it wasn't like I was running around in the apartment tearing up stuff deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: State Home Mortgage
State: GA

Complaint narrative:
On XX/XX/2018 ( 38 days before foreclosure ) we submitted by fax requested information of getting loan modified due to death in the family of primary mortgage holder ( XXXX XXXX ) per conversation with Mr. XXXX XXXX of State Home Mortgage. Mr. XXXX verified that he had received the docs on XXXX XXXX. On XX/XX/2018 Mr. XXXX needed more documents an asked for info on roommate and it was sent via email given by Mr. XXXX. After two weeks had passed with no calls, emails or any other form of communication a call was made to Mr. XXXX concerning status and was told that a letter was sent out requesting documents ( to our suprise ). We waited another 3 days but still nothing came in the mail so another call was made and another representative unknown started inquiring about the loan and made reference to proof of residency after having provided the requested documents on XX/XX/2018. The file had been closed because information hadnt been received but nothing was ever asked. She then requested more documents and said that an email would be sent to detail everything. So on XX/XX/2018 ( Friday ) an email was sent requesting detail documents and those documents were sent back on XX/XX/2018 ( Monday ). After a 3 days a call was made but no answer, 4 days another call but no answer. Another call was made on the XXXX but no answer so an email was sent asking for updates but no response. After routinely calling everyday finally a voice picks up on XX/XX/2018 and Mr. XXXX informs us that file was turned down due to missing information not being turned in before the deadline on XX/XX/2018. I explained to him how can it be turned down for missing information that you just emailed us on XX/XX/2018 that was promptly given to you on next business day. Mr. XXXX said the lady that was handling this was out an wouldn't be back until after the foreclosure day. He said he would call back but we have yet to hear from him and I dont expect he will he hasnt been trustworthy in responding. While we had been going thru all this foreclosure proceeding was still proceeding. We have always provided the information that was needed in a timely manner, and have done as asked accordingly. We had thought to work something out but now given that it is 3 days before foreclosure and we havent resolved this we are forced to do the drastic measure of possibly filing bankruptcy. We are writing the consumer department because we thought this entity was in place to protect the consumer against bank actions such as these. Please help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: GA

Complaint narrative:
On XX/XX/18 I spoke with XXXX XXXX XXXX regarding 3 consecutive months ( XXXX, XXXX, and XX/XX/2018 ) of delinquent mortgage payments that appears on both my XX/XX/2018 mortgage statement ( see attached ) and negatively reported on my credit report ( see attached ). The representative then went on to say that I am not delinquent but it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XX/XX/2018 ) related to the loan modification ( that was approved ) there is nothing they could do to correct the credit report that impacted both me and my wife because that is the XXXX XXXX Process. All payments were made on time during the 3 month trial period and XXXX XXXX agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately. 

The reason for calling XXXX XXXX bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by XXXX XXXX. Instead I was offered an extremely high interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by XXXX XXXX, this has caused a hardship on me and my family and the business as well. 

I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers. 

It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved. 

It is unconscionable that XXXX XXXX did not foresee that this could impact a persons finances. I have tried everything that I could think of to get XXXX XXXX   to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business has been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: MO

Complaint narrative:
I called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi. I have applied for Care Credit which is a credit card meant to help consumers pay for medical bills. I got approved for Care Credit on XX/XX/2018. Care Credit is by SYNCHRONY. I am using XXXX XXXX  to monitor my credit score and when I applied for Care Credit, I received a notification that my credit score went down due to a hard inquiry. I did not check details as I knew it was due to me being approved for a {$5000.00} credit limit by CARE CREDIT. 

Today is XX/XX/2018 and just a few minutes ago, I am SHOCKED that XXXX XXXX reported that my credit score went down again. I checked what may have caused this and now it shows I have 2 HARD INQUIRIES from XX/XX/XXXX ( by something called SYNCB ) and XX/XX/XXXX ( by SYNCHRONY ). I have checked XXXX XXXX FAQs and found out that SYNCB does not even exist and it is an issue consumers encounter when applying for/getting approved for CARE CREDIT.

I am seeking help to REMOVE SYNCB 's hard inquiry. It shows as " SYNCB ''  and it says it's " NATIONAL CREDIT CARDS/XXXX ''. This is an error and I did not approve nor did I start this hard inquiry. I only applied for CARE CREDIT by SYNCHRONY. 

Please advise. 

Thank you.

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 2018-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Report # XXXX for XX/XX/18. Experian is fully aware that in the past, information in my file has been mixed with someone else who has a similar name. Experian should have measures in place to prevent this from happening, however it continues to happen because currently there are six ( 6 ) errors in my file. These errors include two ( 2 ) incorrect names, three ( 3 ) incorrect addresses and one ( 1 ) incorrect notice. I only have one name : XXXX XXXX XXXX. That is the only name that should appear in my credit file. There should be no other name variations whatsoever. Personal Information in my credit file is incorrect, mixed with someone else and does not belong to me. Please delete the following NAMES from my file : XXXX XXXX XXXX ; NAME IDENTIFICATION NUMBER : XXXX ; XXXX XXXX ; NAME IDENTIFICATION NUMBER XXXX. I only have one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This is the only address that should appear in my credit file. Please delete the following three ( 3 ) ADDRESSES from my file as they are mixed, incorrect and do not belong to me : XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX. Please delete the following NOTICES from my file as this is not my business and I have never done business or obtained legal service of any kind : The address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have provided a copy of the credit report with errors highlighted. Attachments : driver license, social security card, copy of credit report with errors highlighted, copy of XXXX reinvestigation results showing address deleted due it being " mixed '', copy of XXXX reinvestigation results showing address deleted.

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 non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
Formal written complaint : We have not received our scheduled periodic mortgage statement form the mortgage Servicer since XXXX XXXX. Change went into effect in XX/XX/XXXX across to entire organization that NO STATE Monthly Mortgage Statements would be sent to anyone where Specialized Loan Servicing was the servicer on any junior lien position. 
Called on XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and XXXX-There were other calls from my Wife on this account and we are deeply concerned. 
Have still not provided the requested payoff statement nor are they sending us our monthly schedule periodic payment statements. Their address on their prior statements does not match the P.O. BOX address they gave us over the phone to send payments. 
Show they are 4th in lien and thats why they are not sending mortgage statements. 
Spoke to XXXX XXXX- Company Policy. 
XXXX-Escalations This is the response I get when I try and to download the payoff quote. To date they have not sent me any payoff statement or scheduled periodic payments. XXXX stated they did not send mortgage statements any longer for loans in 4th position. 
This loan is in second positon as I explained to XXXX and told him that I had refinanced about a year ago and even paid the subordination fee to Specialized Loan Servicing. To date no scheduled periodic payment statements, no payoff, and the complete run around. XXXX the Supervisor stated that the company had changed its billing center from Georgia and they should have sent us notices about that.

After hours of efforts we are no closer to getting resolution.

Solution : Investigate Specialized Loan Servicing and bring an action for failing to send scheduled periodic payments. Compel them to fix their payoff request process, have them retract and reimburse all late fees for the period of time they have been gaming borrowers such as me and my Wife.

Have them recalculate my loan from its inception and credit all overpaid  interest and fees. The payoff shows the per diem interest rate to be 4.3496 % which no way reflects the 10.5 % actual interest rate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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