vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Back in XX/XX/2015 Capital One incorrectly reported missing corporate credit card payment as my personal negative item to XXXX credit bureau. I recently discovered it is still there on my personal credit report. I contacted Capital One, closed that account and ask bank to remove it from my personal file. They not only refused to do it to me, but also refused it after I disputed it with XXXX. So, XXXX refused to delete this item too. I have XXXX credit score with other credit bureaus, but not with XXXX because of that issue. No other bank ever reported my corporate credit cards, nor mortgages to any credit bureaus as my personal depts. I think all banks should follow the same regulations and practices. I need someone to take a look on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
What the pandemic started and my capacity to earn money was disrupted, I requested forbearance, I was assigned to XXXX XXXX, the forbearance was approved for XXXX, XXXX, XX/XX/2020. In XX/XX/2020, I requested for another 3 months forbearance, I understand that it was approved for XXXX, XXXX, XX/XX/2020. In XX/XX/2020, I again requested for another 3 months extension and that the case was assigned to Ms XXXX XXXX, I spoke to her over the phone and she said that I will have to send {$2000.00} with a copy of my bank statement which I complied the company returned the check. I then called the company and I informed XXXX XXXX that I am in New York sick as I am diagnosed with XXXX XXXX at XXXX XXXX XXXX under the supervision of XXXX  Dr. XXXX XXXX. Mr. XXXX, told me to deposit the check in my account and he wants that by phone, I have to pay {$3900.00} to approve the the requested forbearance for XXXX, XXXX and XXXX that I requested. I did not comply as the procedure seems to be not normal. I am scared of losing my house as what I did is to sell my old house and use the entire proceeds of {$150000.00} plus another {$50000.00} for home improvement and the Covid 19 came. I am thinking of refinancing the house through reverse mortgage if I can qualify Lender SHELLPOINT MORTGAGE. 

XXXX XXXX advised me to disregard the alarming letters which he said automatically generated but Ms. XXXX letter intend to foreclose the property and the company is sending me mixed messages. 

I would be glad if the money I owe during the pandemic be placed at the end of the loan before its maturity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This Loan was an installment loan for home improvement This company is reporting it as a mortgage. They will not return my phone calls or emails. There is only one lady that handles my account. Her name is XXXX she has treated me like I am garbage. She wont respond to my emails or my phones calls. All I need is clarity on what type of loan this is.

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 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I received a letter dated XX/XX/2020 from Creditors Discount & Audit Co. ( Account XXXX ) referencing an alleged debt owed to XXXX XXXX XXXX who they purported to represent. Because I had never heard of or done business with Creditors Discount & Audit Co. or the company they claimed to represent I became very suspicious. I immediately requested a number of documents to verify and validate the debt which I have attached and was sent certified mail # XXXX. The validation was received and signed for by their company on XX/XX/2020 by XXXX. At minimum I expected the following 3 requested documents : A verification of the consumer debt that includes a statement of account that : ( i ) itemizes the interest, charges and fees claimed to be owed prior to the charge-off, the original charge-off balance, and the principal balance, if different from the charge-off balance ; ( ii ) itemizes any interest, charges or fees claimed to be owed after the charge-off balance ; and ( iii ) identifies and describes the basis of the alleged debtor 's obligation to pay. 

A certified assignment agreement between XXXX XXXX XXXX and Creditors Discount & Audit Co. the alleged original creditor. 

A certified purchase agreement and receipt for the purchase of the referenced alleged debt between XXXX XXXX XXXX and Creditors Discount & Audit Co. the alleged original creditor. ( if applicable ) I asked for many of the documents suggested by the sample letter on the Consumer Financial Protection Bureaus website. Creditors Discount & Audit Co. totally ignored the Federal Laws in place to protect consumers against deceptive collection practices. To date I have received nothing in the form of verification or validation and to add insult to injury this account was added to my XXXX  and XXXX  consumer credit report negatively affecting my creditworthiness by drastically dropping my credit score and preventing me from being able to qualify for a real estate purchase.

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I asked to be kept in the loop with the letters sent on my behalf. I asked Lexington Law Firm to provide me copies of the work done on my behalf as they were unsuccessful with the dispute regarding my account. I wanted to know what I was paying for. I never received documents sent to the Bureaus on my behalf. I inquired I was told. I have the documented conversation via official communications with Lexington below : " You should receive the email within 1-2 business days. You're welcome. Is there anything else I can do for you today? '' - UT XXXX XXXX " I see the request submitted, how ever I do apologize for the miscommunication but the time frame is 3-5 business days via email and standard mail 12-14. '' - PHX XXXX " The request was submitted on XX/XX/XXXX I would keep in an eye on your email you should be receiving soon '' XXXXPHX XXXX `` I do see that you spoke with XXXX on Saturday in which she requested copies of your file by emailed to you. I do apologize that you were given a couple of different time frames. The expected turn around time for your requested files is three to five business days. I would anticipate you should receive an email with your files at the earliest Wednesday, XX/XX/XXXX. '' - UT XXXX I never received the correspondence sent on my behalf that was promised by the many staff of Lexington law firm staff. 

I also requested a cancelation and they did not cancel my account. And they charged me excessive fees and offered me special promotions on the phone which happened to fake. There is a billing problem as well with this company. They tell you lies that they will charge half the price but the next month charge double and do multiple unauthorized charges. 

I asked that my membership be canceled. And they said since they claim that my message was after hours they are unable to do a refund. However my billing date was XX/XX/XXXX and I asked on the XXXX to formally cancel the subscription. The problem here is that they do not have a method of canceling online. You either have to reach them at a specific time or else they charge you. I have reported this to my bank and I will start the process of escalating these unauthorized charges. 

Please CFPB, investigate this Fake / Scam company. They are cheating people with excessive & unauthorized fees, and can't get things done as they promised on the phone. They can't even provide you a copy of the services you requested and lie about it. I would call this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is charging a fee that I was never properly notified nor did I agree. This was a free account. I have a 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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Convergent Outsourcing has put a collection in the amount of {$2600.00} by XXXX. Please note this is not my account, I do not have and have not had XXXX I have not received any form of letter or notification from this company so I can prove or validate this company. I first found out about this account when I received a credit alert, which prompted me to freeze and lock my credit profile on an already extended credit alert that I added to all 3 of my credit profiles to avoid issues and misreporting information as such. I contacted this company on XX/XX/XXXX inquiring about this account and the representative appeared to not have no information for me or on me. But yet proceeded to ask me several questions to search for an account they put on my credit report that she could not find in her system. This account was fraudulent and bogusly put on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out that someone has had access to my personal 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 2020-12-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out that someone has had access to my personal 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 2020-12-23 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: Resurgent Capital Services L.P.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CORELOGIC INC
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX. XXXX, 2020, CORELOGIC CREDCO add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
A guy by the name of XXXX XXXX at XXXX keeps calling my cell and just now called my place of employment. I don't know what company he is with but said it is about a XXXX payday loan and they are going to garnish my wages. I know he can't do that without a court order and he is now harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I got this loan to payoff a couple of credit cards. They offered me a plan I could afford, supposedly reducing the cost of the total debt. It could not be more deceiving. It turned out the interest rate is 100 % a year, and worse than that, the amortization is extremely low, meaning that principal will not go down for a long long time. 
To give an idea, the total principal was {$5500.00}, taken in XX/XX/XXXX, and each installment is {$470.00}. By now I have already paid over {$7600.00} and the remaining balance of principal is {$4900.00} ( XX/XX/XXXX ). Moreover, to pay this off today, they demand {$6400.00}! 
This is outrageous and obviously against usury laws, a clear example of predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I paid American Express {$1400.00} to have my account updated from delinquent charge off to pays as agreed. Account still reported as paid charge off account closed by credit grantor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: Mercedes Benz Financial Services
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, MERCEDES-BENZ FINANC and XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: MI

Complaint narrative:
I have 2 accounts on my XXXX, XXXX and Equifax reports that are being reported inaccurately. I have written to all three bureaus and asked that corrections be made to those accounts on numerous occasions with no results. Both of these accounts were in charge-off status but have been paid in full. It then becomes the responsibility of the bureaus, as well as the account originator to report it correctly, does it not? It is reporting differently with each bureau but some specific items that are incorrect include : a 120 day late payment status, account status reporting derogatory, payment status reporting charge-off, currently reporting the account in chargeoff status monthly. Due to the fact that I have asked the bureaus to investigate and correct this misreporting information on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, I feel I have given the bureaus enough time and plenty of opportunities to correct this misreporting information, they need to remove these accounts from my reports. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.

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 2020-12-23 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: MD

Complaint narrative:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

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 2020-12-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

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