vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XX/XX/XXXX, I purchased my home. I then refinanced in XX/XX/XXXX with American Home Mortgage Corp. I am currently in the process of a short sale, however it is at a standstill due to a second mortgage being recorded by a XXXX  XXXX, when we closed I was told this would be a home equity line of credit. When I asked for help in locating the lien, I saw that XXXX  was DBA American Home Mortgage Corp and that in XX/XX/XXXX that their FHA status was terminated. I have been searching for someone to give me answers on how to proceed with settling this issue so that I may move forward. I will loose the opportunity and the approval from the first mortgage company if I do not solve this matter by XX/XX/XXXX. This is my last resort. I was told by a title company that the mortgage went from XXXX XXXX   to Homeward Residential who was bought out by Ocwen. I have tried several times to reach out to each company including Ocwen and have been told they do not have the account. What do I do now???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: MN

Complaint narrative:
When the COVID-19 pandemic began, I contacted our mortgage company, Home Point Financial to see if they would work with us as I was taken to half pay and my wife was furloughed, drastically reducing our income. I had been reading about other lenders working with their clients and allowing them to go into forbearance and tack on the missed payments to the end of their loan ... I was hoping for the same from our lender. The only option they offered was to have a 60 day forbearance with a balloon payment due for the missed mortgage amounts at the end of the 60 days or they would begin foreclosure proceedings ... which is creating an incredible hardship for us and doesn't make sense as to where we would come up with the funds with reduced income?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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:
I was recently denied credit and was told it was due to XXXX reporting recent lates. My student loans are deferred as a current student and should never have been reported late. Even when the deferral was verified/submitted, they did not correct my credit report. This company is absolutely terrible and now I'm paying for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
I am lodging a formal complaint against Phoenix financial services, this debt collector has violated the fdcpa/fcra, by reporting derogatory information on my credit reports in the amount of {$240.00} for one debt, and {$500.00} for another. Phoenix financial never sent me a dunning notice, which gives me the right to dispute validity of debt within 30 days of notice. I've recieved nothing from them ever. No mail, no phone calls, nothing. Just a derogatory hit on my credit reports. This is happening at the worst time as I'm in the process of purchasing my very first home for my family and I. Now I'm being told this erroneous debt is holding me back. I am requesting immediate deletion of these accounts immediately. XXXX, and attorney general complaints will be filed if these accounts aren't deleted immediately. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted EXPERIAN had deleted a negative item as part of their investigation of a challenge of the accuracy of items being reported on my credit file. The reinserted the item without written notice.

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 2020-04-29 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY  CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-29 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Consider this notification a formal COMPLAINT & DISBUTE against KeyBridge Medical Revenue Care Attn : XXXX, I do believe it is in violation of the FDCPA for you to report a derogatory remark on my credit report without informing me that after 35 days ( according to a conversation w- XXXX XXXX that this would reflect my CBR. Especially after receiving a token payment of {$10.00} XXXX XXXX. Supervisior. XX/XX/2020 I asked more than once for a deletion from my credit report. I offered to Pay In Full. She declined to delete from my credit report. I have full intentions of reporting Key Bridge Medical Revenue Care, I can assure you that I will be reporting your organization and your client XXXX XXXX to the Attorney General, XXXX XXXX ; the State of Ohio Attorney General, XXXX XXXX and the XXXX XXXX XXXX of Ohio. 
I maintain a credit score of XXXX and 143 consecutive months of perfect payments on the accounts I have open. 

KeyBridge # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2020-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Hi, my cousin as a Legal XXXX entered into an agreement with a Creditor on a Refinance Loan specifically a 'Retail Installment Contract '' with a Creditor being PENFED CREDIT UNION, after she was forced by duress being an " XXXX '' into a Fraudulent Contract of her owing nearly {$30000.00} after she traded in her XXXX to XXXX . My cousin entered into an unintelligible social contract as an XXXX and unknowingly was deceived into signing an agreement in violation of her 14th Amendment Constitutional Right, and was deprived of her XXXX by Fraudulent Misconduct by the Creditor herein. I've also as my cousin 's delegated Power of Attorney have been denied the right to act as her Power of Attorney after having submitted to the Creditor herein IRS ( Representative Power of Attorney ) Tax forms. My cousin has been denied the privilege to ( A4V ) Accept for Value - Exempt from Levy -  the Uniform Commercial Code process to discharge this debt with the Creditor herein. She has been denied the privilege ( s ) to Power of Attorney, and ( UCC ), by the denial of the Creditor herein un-acknowledging the debt cancellation process of her ( A4V ) the loan amount, and an unintelligible, illegal, and fraudulent contract with an " XXXX ''. Finally, the Creditor has destroyed my cousin 's line of credit, and has denied her hardship relief.

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 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not link my account to pay for certain items online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
XXXX notified Sequium Assets last week to remove any negative tradelines from my consumer report. Sequium sent me an email this would be done, that they had already received the order. I have already missed out on purchasing a home through this situation. It seems Sequium is still reporting something that has already been proven to be a result of id theft. Sequium representatives also seem to be misled giving me different point of views each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: MN

Complaint narrative:
I was in the process of buying an ATV  for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I secured a loan via XXXX for {$1200.00}. During my phone call with this company I specifically asked what the terms were and if there was an early payoff penalty. I was assured I could payoff the loan at any time. It was my understanding the loan was {$1200.00} and the payoff amount was {$1500.00}. This would be 27.5 % interest and the loan would be paid in full in 4 payments, or 2 months. After a 5th installment was collected on XX/XX/XXXX I contacted the company directly. We were, and continue to be, in the midst of an economic crisis, and I inquired why XXXX was still taking payments. At that point I was notified my payoff amount was {$4500.00} on a {$1200.00} loan. This is an interest rate of 688.73 %. Not only should that be criminal, but it's even worse considering the current economic conditions. On XX/XX/XXXX the person I contacted advised they would ask their " support team '' to review my phone call and get back with me. No one ever contacted me again, and on XX/XX/XXXX another installment was debited from my bank account. This means I have already paid {$2200.00} on a {$1200.00} loan and that's 91 % interest. At no time has XXXX even offered to provide ANY relief due to COVID-19, and I believe this company is a predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I have been file reports fraud to credit bureu and also the compnay for years, i am taking this last action before i file a civil lawsuit this is not my account and i have spent countless hours working on this with no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: MN

Complaint narrative:
I was in the process of buying an XXXX  for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.

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 2020-04-29 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: MN

Complaint narrative:
I was in the process of buying an XXXX for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.

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 2020-04-29 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: FL

Complaint narrative:
I have been file reports fraud to credit bureu and also the compnay for years, i am taking this last action before i file a civil lawsuit this is not my account and i have spent countless hours working on this with no resolve

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 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Somebody make 3 transactions on my Sams Master card I call the company they take outs the charges and later bill me again the 3 transactions This afect my credit Acount # XXXX Synchrony Bank

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 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted XXXX  had deleted a negative item as part of their investigation of a challenge of the accuracy of items being reported on my credit file. The reinserted the item without written notice.

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 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Received 6 calls from ( XXXX ) XXXX and ( XXXX ) XXXX and both are for Credit Resource Management. The debt collector has called 6+ times since XX/XX/XXXX - XX/XX/XXXX, and it is for a debt I do not owe on. The amount is {$1400.00} for a corporate XXXX owned by XXXX XXXX XXXX who was a previous employer. Also, they have submitted the collections to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$480.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$960.00} XXXX  XXXX {$380.00} XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting incorrect information on my credit report. I was never late XX/XX/2020. This payment was made on time and I am not sure why it is reporting inaccurately. I have made late payments in the past, but this is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: PA

Complaint narrative:
Prior to XXXX, XXXX I had a credit score of XXXX with Experian, my score fell XXXX points after I filed disputes in XXXX, when I checked my credit report I discovered that Experian re-calculated my score with old information that had been verified by the creditors as correct, there were no positive or negative new information added or subtracted. I filed disputes for six accounts each was previously closed showing charged off, in the body of the report a few of them also said " paid off or paid as agreed '' but the status was still showing charged off! One of the most egregious of these was one where they're showing an account with XXXX XXXX as 60 days late but that was for an account that was paid in full and closed in XX/XX/XXXX, It reflects on another open account I have with XXXX XXXX that's never been late since XXXX, XXXX! The way they calculate their scores are inherently wrong because when they inquire a creditor to update a dispute and the information doesn't change from what was originally on the report they should not recalculate the score as new information ... this is why my score dropped, due to my disputing closed accounts! A debtor has the right to inquire about the status of an account without being penalized twice for the same information only Experian does this! It is a form of double jeopardy. They claim that they are calculating the updated information but this should only be noted as recent activity not wholly, recalculated. If the information sought doesn't change from the creditor neither should my score be impacted due to my inquiry. Further, I was recently damaged by the sudden drop of my Experian Score from acceptable to not acceptable, I would've qualified for a refinanced loan for my car but they erroneously dropped my down causing me to be declined!

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