vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I got an alert on my Experian credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX XXXX as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to XXXX XXXX XXXX. So I disputed this info directly on the Experian website ( am waiting results ). I reached out to XXXX and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to Experian and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! As this is not the first time I've had to report false collection accounts on the CFPB, the same issue arouse in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by GM Financial. But despite that, GM Financial continues to report this account on my credit profile. I have been in contact with the credit bureaus and GM Financial to correct this error, but the account continues to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC
State: GA

Complaint narrative:
I applied for a XXXX XXXX through XXXX, and this was the funding company that they provided to fund my loan. I have been attempting to sign my loan documents for a couple of days now with no luck. The problem was with the authentication method, and I just needed to be sent a new way to authenticate. I was instructed through the docusign system to contact the lender which I have tried over 12x through the 2 emails provided on their website. My emails are coming back as undelivered. I tried to call them several times and the numbers are all giving busy signals. I wrote them on XXXX thinking that would be a faster line of communication and they have an automated response. I went to their reviews on XXXX and A LOT of ppl are having the same problem as me but for a longer period of time. And never receiving their funding but their status being : FUNDED and they havent been, And their communication isnt there! Im confused and I dont want to be a victim of any type of scam when I really need this money for my business! I have payroll coming up and this was the whole reason for applying! Im just needing some clarity, on what I need to do and to speak with someone in their office to walk me through getting my funding and not having weeks of misunderstandings and no funding, when its stated that Im almost funded. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I Started with freedom debt relief XXXX XXXX years ago in 2019 I enroll XXXX 11 accounts in debt paying {$370.00} a month. I was recently offered A loan through consolidation plus which was misleading and confusing where they settled remaining 8 accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost 3 years later Im back at {$24000.00} in a loan debt for another XXXX years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found XXXX XXXX and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
A loan of {$630.00} was sent to collections as unpaid from speedycash.com. When I contacted the collection agency AD Astra Recovery Services they advised it was sent to an attorney XXXX XXXX XXXX. I contacted their office and paid the entire debt in full with my credit card on XX/XX/XXXX. XXXX weeks later I received an update on my credit report showing that the balance was now back with Ad Astra and I owed the full balance. I contacted their office in which they confirmed XXXX along with providing them with a receipt showing I paid in full ) they received the payment from the law office on XX/XX/XXXX but proceeded to update my credit report on XX/XX/XXXX showing the balance was still owed??? I asked that it be removed because they did in fact have the full balance however, I was advised that because they received the payment on XX/XX/XXXX it can take their office weeks to update their system XXXX even though they acknowledge their system is currently showing as paid ) and in turn my credit report, which made no sense as they updated the report as owed on XX/XX/XXXX. In essence, even though I have paid in full, and their office has acknowledged they show my account was paid to their office in full on XX/XX/XXXX, they will continue to report my balance as owed IF they ever get around to wanting to fix the fraudulent update to my credit report. As a consumer, I am at a loss and very frustrated that between this many entities I can not get any assistance and their offices continue to tell consumers that even if paid, they have no obligation to accurately report any information. At this point I dont know what consumers could do, other than contacting an attorney and being forced to spend funds there to get recourse. This payday loan was a nightmare and now almost 2 years later I am still dealing with this issue as are XXXX others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I Started with freedom debt relief 2 1/2 years ago in 2019 I enroll XXXX 11 accounts in debt paying {$370.00} a month. I was recently offered A loan through XXXX XXXX which was misleading and confusing where they settled remaining 8 accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost 3 years later Im back at {$24000.00} in a loan debt for another four years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found XXXX XXXX  and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I sent this company a debt validation certified letter by USPS with a tracking number of XXXX. 

On XX/XX/XXXX the company responded and said they would cease collection efforts until they are able to validate this debt because they could not do so at that time. 

It has been over 30 days and I have yet to hear from this company to validate the debt they say I owe so I sent a follow up letter, still no response. 

On XX/XX/XXXX well over the required 30 days I opened a complaint with the XXXX  and on XX/XX/XXXX the company responded with the same generic response that they cant validate and would cease collection efforts until they can. 

I put a dispute in with the credit reporting agencies and this company continues to verify the account reporting is accurate and continues to update a balance. They have not stopped collection efforts by doing this. 

Here we are on XX/XX/XXXX and this company still on my credit reports without properly validating this debt is mine and I exhausted my options with them. In the state of Texas if a company can not validate within 30 days they must remove this. Ive asked them to immediately delete this account off all my report is as they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: U.S. BANCORP
State: CA

Complaint narrative:
Someone tried to obtain an auto loan without my knowledge nor consent.

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 2021-05-04 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: NC

Complaint narrative:
In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by XXXX XXXX. But despite that, XXXX XXXX continues to report this account on my credit profile. I have been in contact with the credit bureaus and XXXX XXXX to correct this error, but the account continues to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NC

Complaint narrative:
In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by XXXX XXXX. But despite that, XXXX XXXX continues to report this account on my credit profile. I have been in contact with the credit bureaus and XXXX XXXX to correct this error, but the account continues to remain 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 2021-05-04 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 ordered my credit reports from all 3 credit bureaus, XXXX, Transunion, and XXXX  in XX/XX/2021. I found collections accounts on my credit report with all 3 credit bureaus, public records from 7 years ago that haven't been removed, personal information like other social security numbers other than mine listed on my credit reports, student loans that are under my name which doesn't belong to me .I have disputed all the fraudulent accounts as well called in via telephone to each credit bureau to dispute personal data on my reports that aren't mine but the credit bureaus are yet posting the fraudulent data on my reports after informing them. I am XXXX  XXXX, I have reached out to the XXXX XXXX  XXXX XXXX Department about discharging the loans as they are affecting my livelihood, I can't get a place to live and I have children, I can't get any type of financial assistance not to mention, I can't get a mortgage due to the fraudulent data on my reports! I have turned in my Benefit query from the Social Security Administration to each credit bureau showing that I am XXXX and that they are affecting me mentally and psychological due to all the negative items on my report that don't belong to me and them not removing it for me. I am hurt, sad and disappointed. Each time I dispute the items XXXX, Transunion and XXXX  keep listing the fraudulent items. I will be forced to get lawyers involved if this matter isn't resolved on my behalf. another complaint is that all three credit bureaus XXXX, Transunion, and XXXX  have failed to update my credit reports. For example, I have a XXXX XXXX credit card and I make all my payments on time, I have a exceptional payment history, however the three bureaus have failed to update my reports reflecting my XX/XX/2021 regular credit card payment in the amount of {$290.00}, along with a double payments made on my credit card account in the amounts of {$930.00} on XX/XX/2021 and XX/XX/2021. Both in the amount of {$930.00} each totalling {$1800.00}, none of the three payments have been reported by all 3 credit bureaus to reflect my exceptional payment history.

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 2021-05-04 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2021 ( PORTFOLIO RECOVERY A ) added a derogatory mark on my credit report per XXXX XXXX This account has been terminated/sold and i am no longer responsible for the account. Debtor didn't verify this collection. also there was no written form of communication or contract. A bill without signature doesn't validate the debt according to the FCRA. 
( PORTFOLIO RECOVERY A ) has violated my rights as a customer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
A phone call from XXXX XXXX XXXX have my personal information, address, SSN, birth date. Company said their name is XXXX, said I had a unpaid credit card in collection that they were assigned to handle. Told me I would have to go to court to pay court costs and lose my car which they knew the exact car I have. I'm filing this report, don't know what I should do next. I have XXXX credit reporting and locked credit file. This occurred XX/XX/XXXX at XXXX XXXX  mst. They tried to convince me to start paying on this debt which isn't real. I don't qualify for a Citibank signature visa card. Which they said was closed for non payment in XXXX. A real scary scam

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 2021-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank in XXXX MA has a sign on their door clarifying that per MA regulation, clients are to wear face covering. It further states that if clients are unable to do so ( e.g. for medical reasons XXXX, they will make alternative arrangements to deliver the service. 

Today I was refused access to my safe-deposit box because they determined that my face covering XXXX what they state they require, and also compliant with MA regulations that you have a fabric covering over nose and mouth ) was inadequate because a teller wanted a " mask. '' I explained that I was compliant with MA laws. I was told it didn't matter, that they had TD requirements ( which clearly contradict what their public notice declares ) and that if I didn't wear a mask they provide, they wouldn't serve me. That option wasn't practical for medical reasons. 

There should be accountability for capricious denial of service and access to my property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was assessed a late fee by Bank of America on a personal credit card. The late fee was assessed onXX/XX/2021. Automatic payments for this account were set up, weeks prior to the payment due date, to be withdrawn from my personal checking account. At the time of the late fee being assessed, my personal checking account had XXXX XXXXn funds availability. The scheduled automatic payment amount was XXXX, to be drafted on the due date of XX/XX/2021 (and all subsequent months, on the XXXX). The bank's own website shows the auto payment service as "ON" and confirms the amount and date of the withdrawal monthly. When I called and spoke with customer service on XX/XX/XXXX, and subsequently a customer service supervisor during the same call, I was told that the bank's system often makes these sorts of errors and that this can occur for up to two billing cycles. Even after acknowledging this fact, the bank informed me that the fee was "properly assessed" and would not be refunded. In my mind, the bank knows that this is a common problem, yet refuses to implement a solution and resolve my issue by indemnifying me of the XXXX  late fee. When I asked for the reason why the fee wouldn't be refunded, I was told by the supervisor XXXX  that she could not tell me and referred me to a "Credit Analyst" at the credit reporting bureaus for further information. This issue has nothing to do with the credit bureaus, and everything to do with the bank's operations, yet Bank of America has skirted this responsibility and won't even provide me a reason as to why they won't correct their own error. I can only assume this is a pervasive issue in their systems and can only imagine how many millions of customers they have done this to, all the while refusing to correct the problem. I am not sure what the rationale for declining to refund their own error was, but at this time I cant rule out discrimination or any other reason.

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 2021-05-04 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: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I got an alert on my XXXX  credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company Dynamic Recovery Solution as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to Dynamic Recovery Solution. So I disputed this info directly on the XXXX  website ( am waiting results ). I reached out to Dynamic and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to XXXX  and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! As this is not the first time I've had to report false collection accounts on the CFPB, the same issue arouse in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I have a loan with Amerihome Mortgage Company with escrow for insurance and taxes. My insurance was expiring on XXXX XX/XX/2021 and the mortage company did not make the payment on time. After repeated follwups from the company i have not been able to trace the payment to the insurance company but the escrow statement shows that the amount was deducted from my account. I have since changed my insurance company to continue my coverage but the mortgager is still not able to track the payment. I have tried to reach them by phone as well as online messages but to no avail. 
I recieved a mail from the company about forcing me to buy a force place insurance at a exceptionally high cost. 
I dont understand if i am signed up for escrow account and they failed to make payment on time then how are they forcing me for force plan insurance. 
I feel at a loss for this poor management. I have since read about several complaints about the mortgagor in onilne forums about them being negligant towards escrow payment. 
I have also requested the mortagor to cancel my escrow account so that i can manage it going forward.

Company response to consumer: Closed with explanation