vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX ( XXXX XXXX XXXX ) for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by CMRE. If you look in that CMRE file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXX XXXX XXXX XXXX XXXX insurance company and credit collector CMRE 's fault. 

I have also attatched a screenshot of the tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
The debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: I.C. System, Inc.
State: NC

Complaint narrative:
I contacted all three credit bureaus told them that there was fraud on my credit that the collections accounts that were on my credit were related to my ex-wife they were her accounts with her information and I had nothing to do with any of it as I was locked up in prison when these accounts opened and put into collections

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 2021-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
Contacted the collection agency about the debt. The collection agency is AD ASTRA RECOVERY. I asked to be sent verification of this debt, but was told that I would have to make a payment in order to receive it. Made a payment and never received verification. Contacted AD ASTRA RECOVERY twice afterwards and still have not been given a verification letter for the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: FL

Complaint narrative:
Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by XXXX even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX XXXX opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.

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 2021-03-22 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: FL

Complaint narrative:
Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by XXXX even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.

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 2021-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I recently received an updated payment schedule for my loan and I need to understand the information you provided. 


Point 1 ) On XX/XX/XXXX statement my balance was {$80000.00} + {$1300.00} in accrued interest for a total of {$81000.00}. 

Since I paid {$3100.00} since XX/XX/XXXX, it leaves me with a balance of {$78000.00} which shows on the XX/XX/XXXX statement. 

However you wrote to me in XX/XX/XXXX that I had 120 payments left at {$940.00} a month and my estimated interest over the life of the loan was {$32000.00}. 

On XX/XX/XXXX you still show 120 payments remaining at {$940.00} per month and you estimate my future interest payments at {$34000.00}. 

That is an increase of {$2500.00} in interest!! 

How is it possible that the full amount of my interest over the life of the loan is increasing even though I am making payments and no interest is being added because there has been a freezing of interest on the student loan by the Federal government? 

Point 2 ) In addition I had previously requested, in my email on XXXX XXXX to the XXXX, an amortization schedule showing how my monthly payments are being applied and how the interest is being calculated. What interest rate am I really paying!! I am entitled to transparency. XXXX, a Loan Servicing Specialist responded via letter and writes " We are unable to provide calculations regarding how this payment was calculated '' That is absurd! 
I need an amortization schedule. 

Point 3 ) I did my own amortization schedule and based on the principal, payment amount, and 120 months the interest rate was almost 7.85 %!! That is exorbitant and way above current market conditions. I need to reschedule the loan at a lower interest rate or forgiven. 

Point 4 ) My XXXX student loan was {$80000.00} and you deducted 4.248 % as origination fee and on my XXXX loan of {$20000.00} you again deducted about 1 %. So you lent me {$100000.00} total but you only gave XXXX {$96000.00} a difference of {$3600.00}. You also charged me accrued interest {$1300.00} on Loan # 1 and {$310.00} on loan # 2!! totaling {$1600.00} while I am still in school ( I have not graduated as yet ). Also even though I am making payments my interest seems to be increasing. I needed help to be able to further my career and I am left with a toxic loan that doesn't allow me to follow my dreams. 

As I am just about to start my career with the tools that I learned at XXXX over the last 2 years, you have really made my life unnecessarily difficult by charging me so much at this crucial time in my career and at an important moment in the history of the United States as well. My income is very low and I am having difficulty making ends meet. I need some large help with the loan repayment. Please respond with compassion by providing me a plan that takes all this into consideration and affords me a way to create a path for success. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has pulled a hard inquiry on my credit file twice in XX/XX/2021. XXXX XXXX can not access my Equifax credit file after I have removed my security freeze. XXXX XXXX is able to access XXXX, and XXXX with no problems. 

I contacted Equifax directly and they have confirmed the security freeze for my credit file is temporarily lifted. XXXX XXXX should be able to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
XXXX XXXX  is an abomination and should be investigated by local and federal authorities. There is absolutely zero customer service. A previous complaint that was answered via this forum featured a doctored, backdated letter by XXXX that they claimed to have sent to my attention. No such letter was ever received. I am attempting to have my mortgage recast. Since this is a huge inconvenience for XXXX ( and a big benefit for me ) it is obvious why there is no formal, online, or convenient process to do this. Today I wired them a {$300.00} " fee '' and called their number to confirm receipt. After 3 attempts navigating through their phone system, one rep managed to hang up on me, and the second sent me right to the " customer survey ''. This is a shameful institution that does not care about its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARTER-JONES COLLECTION SERVICE, INC
State: TX

Complaint narrative:
This dispute is for Carter - Jones of XXXX XXXX OR for {$510.00} and {$570.00} after fees. Account number XXXX. The collection agency violated the HIPA in getting information on the collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: MA

Complaint narrative:
I received a letter dated XX/XX/XXXX last week from a collection agency called XXXX XXXX XXXX XXXX alleging that I owe XXXX XXXX XXXX  {$69.00}. I emailed them to dispute the debt and they mailed me their 'verification ' of the debt, this letter dated XX/XX/XXXX. The verification is the top page of what would have been a billing statement from XXXX, dated XX/XX/XXXX. 

My issues with this are as follows : As of XXXX, I had already paid my entire debt to XXXX. This was in fact a lengthy back and forth process as they tried for force me to pay to return my equipment despite being in the middle of a pandemic. Over my XXXX years with XXXX, I had numerous ( and documented ) incidents of XXXX throwing random, unexplainable charges to my bill and not being able to tell me what they were for. There was one incident where they charged me a fee, and one customer support agent told me it was for one thing, and another agent told me it was not at all for that reason, and no one could come to a consensus as to why I was ever charged said fee. 

I DO NOT owe XXXX  this money, and I attempted to at least get a copy of the statement they're claiming I owe money on from XXXX and they simply told me " This is with the agency now, you need to deal with them. '' Well, the agency only sent me a header page so I can not see an itemized breakdown of what XXXX alleges that I owe. 

Additionally, XXXX has broken the law by sending this alleged debt to collections. Not one time did I ever receive an attempt to collect it by XXXX. They claimed today via live chat that they 'sent multiple letters'- this is not the case. Not only did they not arrive to my current ( new ) address, but they did not arrive at my prior address either as they were neither forwarded nor did the new tenant contact me about any mail ( she has my contact information ). It is unlawful for XXXX to send a debt to collections without attempting to contact me first. 

This was, again, a pattern with XXXX during the time I was using their service. Several times, in fact, they would add some random charge to my bill, and when I reached out they would claim they " sent multiple letters '' that I never got. They lie. This should be a known fact to you at this point. They make up numbers and throw them at a wall to see if they will stick - and so far in my case, they've won every time. 

I absolutely refuse to allow XXXX to XXXX me into paying money that I simply do not owe them. I want this debt erased and I believe this company should be investigated at the federal level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : EXPERIAN BUSINESS CRED Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a call on XXXX XX/XX/2021 at XXXX PST from the number : XXXX and I said Hello. There was a long pause and a woman named, XXXX ( sp? ) started speaking and said my American Express Account was noted as possibly being interested in a business gold card and asked about the nature of my business. She knew I had an AMEX card already and that I possibly had a small business but didn't know the nature of my employer. I felt uncomfortable about the call and therefore called the American Express Customer Service line to be sure the call came from them. They said they would never solicit over the phone and that number is not an American Express associated phone number. I called back the questionable phone number and got a voicemail saying it was " XXXX from American Express. '' I hung up and did not leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CA

Complaint narrative:
I have these inquiries on my credit report that I did not authorize I believe it to be fraudulent XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX XXXX-XXXXand Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To all this may concern, On XX/XX/XXXX there was a transaction for an XXXX made through XXXX. The amount was {$820.00}, The transaction process was in a pending status until XX/XX/XXXX and then cleared. However the transaction only ended up totaling in the amount of {$590.00}. XXXX credit me the difference in the amount of {$300.00}. When the XXXX credited me, my bank then placed a temporary authorization transaction in the amount of {$820.00} sending my account balance to - {$510.00}. The problem I have with this is that the transaction clearly went through and the authorization has cleared however they placed the {$820.00} Temporary authorization, on Sunday XX/XX/XXXX immobilizing myself and my account in the amount of - {$510.00}. Ive also saw trending. They seem to do this only when its convenient for them or when it will cause me problems. They pick and choose when to do things of this nature and this is not the only time Ive reported this Ive never had this problem with any other financial institution ever. Now theyre saying I have to wait three days. This was done to inconvenience me!!! Or to suit some other agenda that I am unaware of. After calling today ( XX/XX/21 ) and speaking to several managers, they refuse to fix the issue.Ive called and spoken to several managers. The first manager XXXX I spoke with seem to think that things were funny and thought me being in a rage was even funnier ( Snickering and laughing ) I then called back and spoke to another manager name XXXX who then told me she was transferring to the correct agent, and sent me back into a que. After calling back right after I spoke to an agent and requested a manager and he also sent back into another que. Ive never been treated so horribly by a financial institution and my energy is literally sapped from being in a rage with this, and their poor level of customer service. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Getting a new leased vehicle on XX/XX/XXXX, a driver ran a red light within six days of the lease and destroyed my car. He was given a citation for the Total Loss of my vehicle. 
I was told by XXXX in XXXX and by my XXXX  XXXX  in XXXX that the GAP insurance covered all expenses. My replacement lease also increased by {$570.00}, which no satisfactory explanation was provided. 
Mazda Financial Services closed this lease agreement apparently in XX/XX/XXXX with an outstanding balance and never informed me of the discrepancy or miscommunications. I had no way of knowing this existed. They have damaged my remarkable credit now with no customer relations or concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Finally got information from XXXX in regards to deferment policy through this forum. They stated in-school deferment periods for XXXX studies and XXXX studies. According to their policy, I still have in-school deferment time for XXXX studies. FIRSTMARK SERVICES was servicing my loan while I was enrolled in XXXX  studies in 2020. FIRSTMARK SERVICES decided to put my loans in repayment at the same time I was enrolled in 2020. I have not exceeded 4 years of XXXX  studies. Labeling my loan as Delinquent was done in error and they wrongfully charged off the loan. Furthermore, XXXX nor Firstmark NEVER made me aware of their deferment policy. None of the paperwork I received or signed states a specified time period of deferment. I was only informed that as long as I was in school studying, that my loans would be in deferment. I was never warned of a deferment cut-off. It is unreasonable and unethical to hold me accountable for a policy that I was never made aware of. Plus, FIRSTMARK SERVICES refusal to admit fault in wrongfully placing my loan in repayment is unprincipled. My loan should not be in collections. 

The Attached document will show highlighted section that states time period for in-school deferment while pursuing XXXX  studies. It will also show that the company only gave me deferment for XXXX studies.

Company response to consumer: Closed with explanation