vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have written several letters in the past, but this time i decided to keep a paper trail of notarized letters demanding an investigation into why i have so many inaccurate and erroneous information about me on my credit report on XX/XX/XXXX to all the Credit Reporting Agencies, and i got only a summary of my report which was still erroneous. I wrote a second notarized letter to all three Credit Reporting Agencies demanding an investigation into these anomalies, on XX/XX/XXXX, and again Transuion, XXXX and XXXX  sent a summary of my report with the inaccurate information. Finally, i wrote all three Credit Report Agencies warning them that i will have to report to the government agency ( ies ) of their ineptitude, and their response remains the same. I checked my credit report today being XX/XX/XXXX. And the inaccuracies still appear on all my credit report with all three credit reporting agencies

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 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried obtaining my credit reports from all 3 agencies at XXXX. I was able to view and print my complete XXXX  credit report but not the Experian and XXXX  reports. 

I'm certain all the verification information I provided was accurate. The fact that i got my XXXX  report is indicative of that. XXXX  and Experian are putting unnecessary roadblocks to stop consumers from accessing their credit reports. 

Both XXXX  and Experian asked me to send in my request by mail ( XXXX  also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format to these companies seeing how careless they have been with consumer data before.

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 2020-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
To whom it may concern, T My name is XXXX XXXX, I am filing a complaint against Monterey Financial Services due to a fraudulent loan. In detailed I was calling around to a few schools in XX/XX/XXXX, looking for a school that offered XXXX XXXX certificate. I reached a company called XXXX ( under a recorded line ). I was told by the representative XXXX that I could start school in XX/XX/XXXX after the holidays, when I was ready to start. The representative lied to me and told me to sign a docusign that would save the sale that was going on in XXXX for XXXX 's enrollment. I specifically told him I had someone working on my credit and I do not want my credit pulled. The XXXX representative unethical practices lied and stated that it was just part of the enrollment no loans or anything of such. With me just calling around to schools I didn't think anything of it. The representative told me I could cancel attendance at anytime with no penalties to me. I ended up attending another school and forgot about the one phone call to XXXX. Unfortunately, my email was closed and I was unable to access my email to even remember the companies name. All of a sudden I receive a bill XX/XX/XXXX in the amount of {$3400.00} for one phone call. I had never received any sign in, never attended a day of this school and was completely defrauded by this online loan. I have attended many schools this is the first school that has used unethical practices to give people fraud loans. Where is the product? I never attended the school, don't know about the school and after dealing with this have looked up the school XXXX   and Monterey financial services and both have horrible fraud reviews. Monterey Financial Services has many class action law suits and this should not be legal. One inquiry phone call with no product should not turn into a {$3400.00} bill under some fraud financial  institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 XXXX  XXXX  XXXX. I am a victim of ID THEFT XX/XX/XXXX XX/XX/XXXX I am victim mail fraud XX/XX/XXXX XX/XX/XXXX. I am XXXX  years young. I grew up with pay phones. But I still have rights and NEEDS to hook up with the world On Line. I have XXXX  XXXX  screen reader XXXX scanner XXXX  Accessibility Tools. I need ACCESS TO EQUIFAX. I HAVE EMAILED XXXX MARKED XXXX ACCESS TO NO AVAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
On XX/XX/2020 I signed a refinance contract with Loandepot. 
There were two checks issued. 
One for XXXX One for XXXX made out to XXXX Not cash able according to XXXX. 

Spoke with XXXX XXXX at Loandepot Return check and receive a replacement. 
At my expense. 
Ok fine. 
XX/XX/2020 still no check. 
XXXX XXXX is no help. 
Loandepot originators are accepting no fault. 
No movement on this and mortgage is due XX/XX/2020. I will pay on time as usual iaw previous payment history. 
I am a loyal customer. 
Seriously XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!

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 2020-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
In approximately the summer of 2017 I received a collection notice for over {$800.00} for a XXXX XXXX bill. I have never used XXXX XXXX ( my company phone is XXXX now, but even that is new this year ). I contacted the collection agency and advised them. They told me I needed to call XXXX. I did, and XXXX confirmed that whatever it was that was ordered was ordered using my social security number and my address but a different email address than any I have used. They said it was strange because it was a phone but the service was never activated. Further, that phone or whatever it was never was delivered to my home. They confirmed that it looked like fraud to them as well. They asked me if I could file a police report, but I pulled my credit report and given that it was the ONLY item on my credit report I felt that filing a police report wasn't going to get me anywhere. What would the police do for one item on my credit report with ZERO information about who might have done it to go on. So I simply advised XXXX that I wanted to dispute the account as it was not mine. 

Then they sold the debt to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN I immediately notified them by mail that this was not my account, that XXXX KNEW this was not my account, and that it was the result of fraud. No response. They placed it on my credit report ( which XXXX never had ). I disputed it with all three bureaus and explained the situation in detail along with my dispute. 

They each did their investigation ( whatever that means ) and Jefferson Capital stood by their reporting. 

This is NOT my account. It has NEVER been my account. I have NEVER received anything from XXXX nor used XXXX in any way, and this is unjustly harming my credit. 

Please contact Jefferson and have them remove this listing as it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried obtaining my credit reports from all 3 agencies at  XXXX. I was able to view and print my complete XXXX  credit report but not the XXXX  and Equifax reports. 

I'm certain all the verification information I provided was accurate. The fact that i got my XXXX  report is indicative of that. Equifax and XXXX  are putting unnecessary roadblocks to stop consumers from accessing their credit reports. 

Both Equifax and XXXX asked me to send in my request by mail ( Equifax also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format to these companies  seeing how careless they have been with consumer data before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
I currently have a mortgage with Lakeview Loan Servicing , LLC, which was acquired in XX/XX/2019.

My semi annual property taxes were due XX/XX/2019. I have received now two notices via mail for Overdue Property Taxes/Final Bill/Legal notice on these property taxes, both in XXXX and now in XXXX. At the time, I have submitted two Service of Error letters/complaints to Lakeview Servicing. The last complaint was on XX/XX/XXXX. Prior to that, I was told property taxes would be satisfied XX/XX/XXXX. As of XX/XX/XXXX it was communicated that the lender had until XX/XX/XXXX to pay my property taxes. 

There is currently {$4700.00} in my escrow account with {$2400.00} in overdue taxes. No one seems to call me back or give me any indication as to why these taxes are overdue.Property will be advertised for auction XX/XX/XXXX if not paid.

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 2020-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: LA

Complaint narrative:
Spotloan charges an interest rate of 490 % and I took an {$800.00} loan. The laws in Louisiana prohibit charging this amount of interest and APR. This was back in 2018. Now it is on my credit. I did not know the extra cost of the loan was that much.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I applied for a refinance of my Loancare mortgage loan in late XX/XX/XXXX. I was told that because of a previous bankruptcy, and that my mortgage payment history does not report to the credit bureaus I'd have to get a history from Loancare. I went on line and printed the 24 month payment history, knowing that I never missed a payment. When I presented it to my loan officer he told me that the history showed that my XX/XX/XXXX to my XX/XX/XXXX payments were all made on XX/XX/XXXX, and that I could not get the loan. I spent the next 2 months trying to get Loancare to explian ( in writing ) why they held those 5 payments until they creditied them on XX/XX/XXXX, and to correct the payment history so that I can get my loan ; they either sent me the same payment histroy or provided me with a 12 month history ( which does not cover the time period in question ). On XX/XX/XXXX, I contacted Loancare and sent a Qualified Written Request, asking for a satisfactory response by today or I would take this step.

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 2020-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian takes forever to update my credit report, when they update they always leave my score the same. They never increase my credit score as the other companies. They put a secure alert on my credit that I never asked for. They leave hard inquiries on my credit report longer than it's supposed to stay. This credit company is definitely out there to help only banks not consumers and make consumers feel losers. I am at a point to take them to court.

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 2020-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: NM

Complaint narrative:
I have a military star card with an unknown minimum payment. This account has been open since XXXX of XXXX. I pay the full, or at least half of the statement balance each month through the mobile app. A late payment remark was put on my credit report in XXXX of XXXX. Im positive I payed on time and believe it was an issue with the mobile app processing my payment slowly.

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 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: PA

Complaint narrative:
Tek Collect has not contacted me prior to closing placing this negative item on my credit reporting. They are reporting late payments for current months when there was no payment plan established. They have also have still not verified the account. My supporting evidence was mailed out more than 60 days ago with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XX/XX/2019 XXXX Case No. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Member Number XXXX Contract Number XXXX Contract Date XXXX Mr. XXXX XXXX, During our interview to purchase a vacation package that included a yearly allotment of XXXX points to use each year XXXX XXXX, our sales representative advised us that we could offset the cost of our vacation package by exchanging XXXX points yearly to offset the monthly cost of the package reducing the payments to {$160.00} +/- monthly. He said he would advise us as to how to do this exchange of the points once we had been approved. 

We realized that we could not afford this package if this exchange of points to offset the cost did not occur or directions from XXXX XXXX did not happen. 

We called to see if we could cancel the package on XX/XX/2019 which was the 14th day after the signing of the contract. We thought we had 15 days after signing the contract to cancel the purchase as we had no on-site inspection of the property as stated in the Tennessee Law. 

We originally had contract XXXX and we have paid {$6000.00} toward the down payment and we still want to keep this contract. Please cancel Contract Number XXXX and let us keep our previous package We faxed a Rescission ( intent to cancel ) to the fax no XXXX on XX/XX/2019 and received a confirmation that the fax was received. Please help us cancel this contract as we can not afford it. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX THIS CASE HAS BEEN SETTLED BUT THE DAMAGE TO MY CREDIT HAS TAKEN A BIG HIT IN THE DIFFERENCE OF MY CREDIT SCORE. I AM SUBMITTING THIS DOCUMENT AS JUSTIFICATION FOR NOT PAYING THE FINANCE COMPANIES. PLEASE ADVISE THE CREDIT BUREAU OR LET ME KNOW HOW TO DOCUMENT THIS ADVERSE RESULTS OF THE NEGATIVE CREDIT REPORTING BY THIS COMPANY.

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 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I called Suntrust/ Truist to discuss options for extending my payment for a couple months due to being quarantined from COVID19 and not having sick leave or paid time off. 

First call was XX/XX/XXXX and they responded rather quickly, told me they could issue a forbearance for 3 months. 

At the end of those 3 months all payments are due ( 3 months of mortgage payments! ) .This is pretty much the " help '' they are discussing on every website. This does not help at all as in 3 months a massive payment would be financially devastating! They told me to call back. 

Called XX/XX/XXXX and they responded after 1 hour and 15 minutes. They ended up telling me the exact same thing. Forbearance with a 3 month balloon payment at the end. 

Simple fix, add a couple months on to the maturity date. Let the next couple months pass for people affected by COVID 19. 

Please help!

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 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
My wife has been unemployed now for 3 months and I am now self quarantine I have reached out to usbank home mortgage for a 90 day deferral and they said theres nothing they are doing to help on that and I feel with the current situation they should help I have now wasted over an hour on two different calls and they seem not to care

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 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC
State: SC

Complaint narrative:
I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even established additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
More than a month has passed and Comenity Bank has not updated the balance on my XXXX consumer credit card at any of the three credit bureaus.

Company response to consumer: Closed with non-monetary relief