vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX in regards to a past due debt owed to DNF Associates on XX/XX/XXXX. 

To my knowledge, I have no contractual obligations or have never had a business relationship with DNF Associates. My wife, XXXX XXXX, called XXXX on XX/XX/XXXX immediately upon receipt of this letter, she was advised that I was being sued for this debt and had the opportunity to resolve it, per Mr. XXXX. Not understanding who XXXX and DNF is and why they would be suing me, she asked them to provide validation of this debt. 
Shortly thereafter, I received the documentation showing I owe a balance to DNF who purchased a charged off debt from XXXX  XXXX  on XX/XX/XXXX. While I am familiar an outstanding debt to XXXX XXXX, the documentation attached is an incomplete/invalid validation of debt. For the following reason, this account remains in dispute. 

When XXXX XXXX charged off this debt, they sent me a 1099 - debt cancellation form and reported to the 3 credit bureaus that this was charged off. Therefore, XXXX XXXX is no longer pursuing this item for collection. 

DNF Associates did not send any documentation indicating they acquired this debt. Furthermore, the first notification in regards to this debt being owed to DNF was from their servicer, XXXX who is now threatening litigation on the past due balance. 

The last payment made on this account was on XX/XX/XXXX. The exhibit indicates the debt was sold on XX/XX/XXXX, which is prior to charge off. My account with XXXX was still active at the time the exhibit indicates the debt was sold to DNF Associates.

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 2021-04-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
late payments for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX need to be deleted. payments are not late. see attached communication from XXXX XXXX to remove late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: PA

Complaint narrative:
XXXX has placed multiple accounts on my report with no validation. I have contacted them personally and have also sent an affidavit for verification of the accounts and have received no correspondence back in writing. They have blatantly violated my rights as a consumer under Title 15 1681 and continue with willful noncompliance of the federal laws that protect my rights of privacy as a 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 2021-04-15 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX, the XXXX. XXXXXXXX XXXX XXXX XXXX charged off a credit card account and assigned it to Radius Global Solutions. I was told that after paying the Balance in Full that the account would be removed from my credit report. 

I've paid the XXXX XXXX Store Credit Card off in XX/XX/2020 and the item will not go away and is still listed on my credit report. 

I've tried contacting someone to get this resolved but haven't received any feedback. 

I paid the balance in full.

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 2021-04-15 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:
There are a couple of creditors listed on my credit report that do not belong to 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 non-monetary relief
Consumer complaint received 2021-04-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed a dispute with XXXX Equifax and XXXX regarding the incorrect information being reported on my credit file it has been well over 30 days and I have not been given any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I started the process to refinance both my properties in XX/XX/2020 with AmeriSave Mortgage. AmeriSave provided a Loan Estimate with a breakdown of interest rate and fees. The interest rates and fees were fairly good and reasonable, so I decided to go with them without shopping around. I requested to lock the interest rates and fees ; however, I was told by AmeriSave Loan Originator that that is not needed and that they will match existing Loan Estimate numbers at closing. Over for months later, AmeriSave called me and said that they are sorry but they are not able to match as promised. Either I take the new rates and fees or just not go through with the loan. They said that I am not the only one that they doing this to so they are not able to help as it is coming from their leadership and investors. I feel this is unethical and I do not believe this is allowed to go on as a business practice to bait someone and then switch during closing. This company needs to held accountable and stop taking advantage of customers during this time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: U.S. Auto Credit Corporation
State: MI

Complaint narrative:
I purchased a car from XXXX XXXX XXXX. I had bad credit so they let me put XXXX down and get financed. I was assigned to XXXX XXXX whom since has sold my account to US Auto. They financed a warranty for XXXX but my contract does not explain how much of my biweekly payment amount is going towards my warranty and my loan. I asked how am I supposed to pay off this warranty and they told me I could not, could not have my interest rate changed because my credit score has gone up, werent even reporting to all three bureaus with XXXX XXXX. I got this car that is work like XXXX and my loan is XXXX. Ive made every payment via auto deduction for two years and they cant even answer me why my loan was sold to US auto. I feel like without the option to pay off my warranty, Im still going to be paying interest on it for the entirety of the loan. I cant get the car refinance because the car is not worth what it was sold to me for. So Im stuck in an upside down loan, they knew I was desperate and had become a single parent very suddenly and needed to provide for my daughter. They keep selling my loan to collect fees, they said they do it to the best paying customers they have a list other lenders can pick from to purchase but in the contract it says assign and they said it was reassigned when really it was sold so they can collect a portion of the fee. I wasnt even informed it was being reassigned until it happened. I didnt consent to this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MN

Complaint narrative:
I received notice in regard to an amount owed on a XXXX XXXX XXXX. I signed up for a membership and it was cancelled and never used in the first 3 days under the terms of the agreement. The company never contact me to collect the debt. Now the debt has been sold to another agency who is demanding payment, has reported to the credit bureau, and has failed to validate the debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
Everyday for weeks I have received a prerecorded phone call that says " This is a call from the Collection Bureau of Ft. Walton Beach, please return the call to XXXX for more information. '' I call it and it sounds like 3 different recordings put together saying 'you are caller number 1 in the que ', 'Mail box full ' without ever ringing, and 'Hours of operation are M-F XXXX if it is past normal business hours, please leave a message or hold on the line ' but after holding for several minutes each time it cuts off and hangs up. I have never been able to get a live person and I do not owe any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: WV

Complaint narrative:
XX/XX/2021. I noticed suspicious activity on my account. I contacted Coinbase and had them temporarily disable the account. They assigned my problem as Case # XXXX and said they would investigate. Since then, my account has been dormant and they refuse to restore access to the account and restore access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
A medical collection account from Credit Systems added to my XXXX file after debt validation demand sent via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I lost my job at the onset of Covid 19 pandemic back in XX/XX/2020, I was unable to afford to pay mortgage. I had called Amerihome several times to try to get on a forbearance plan from about XX/XX/XXXX, XXXX when I was finally able to get through to a live person in XX/XX/2020. Id call several times a day at different times but was not successful for a few weeks. I was finally able to get FHA loan on forbearance plan but had become 30 days late on payment during this time. Amerihome continues to report 30 days late and it is making my credit score tank horrendously. I have asked several times if they could work with me as it was out of my hands but without resolve. 

There have been many representatives since then that have said it should be removed but when I try to dispute it comes back as correct. 

I called CFPB and rep said I should file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The CRA 's continue to violate my rights as a As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative on all accounts created by my seal/signature as the natural person known as XXXX XXXX. They have Violated XXXX XXXX XXXX CIVIL CODE Section 2985.7 1667a. Consumer lease disclosures Violated 15 USC 1681 ; Harass and oppressive use of XXXX about an alleged debt. 
Violated 15 USC 1692d ( l ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
The attached document clearly shows that XXXX XXXX XXXX XXXX has CANCELED the debt yet EXPERIAN, XXXX and XXXX continue to report the account XXXX XXXX XXXX XXXX on my private consumer credit profile.

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 2021-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
I was called from number XXXX stating the organization calling was XXXX XXXX. The provided me with the number XXXX. I called this number and spoke with a gentleman that stated I owed a debt to Santander for a loan on a XXXX XXXX XXXX. I told them that is was a loan through XXXX XXXX XXXX and was settled back in XXXX, then sold to Santander. He stated that if I did not pay that they would pursue legal action and place a lien on property or on income. I asked for the company name and was told it is called XXXX XXXX. They claimed to be a mediator for Santander. I believe this to be a bullying tactic to get you to pay old debt that is no longer collectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
There are a couple of creditors listed on my credit report that do not belong to 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 2021-04-15 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:
There are a couple of creditors listed on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I live in XXXX XXXX, VA - On XXXX, XXXX. I contacted NetCredit.com for a {$4200.00} loan with auto-repayment of {$110.00} twice a month. Since COVID-19, I called NetCredit and asked why did they take three consecutive payments in XXXX, XXXX during a global health and financial pandemic. They then explained to me that I owe another {$4100.00} dollars, I told them that is not what I agreed to, I only borrowed {$4200.00} ( 200 % interest fee ) and that's what my contract indicated. Since XXXX, XXXX, I have made a total of 41 payment of {$4700.00}. 
I had fulfilled my loan repayment obligations, but instead of coming to an agreement to Cease and Desist with multiple communications, NetCredit has started reporting me to all the Credit Bureaus to ruin my credit/FICO scores. I am at my wits end to end the harassments and threats to continue to report me to the credit agencies. Please send my complaint to Attorney General XXXX XXXX against NetCredit. They are still operating under predatory lending principles. There contract is confusing and very deceptive. I am fearful that I will loss everything. 

Sincerely, NetCredit Victim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: AZ

Complaint narrative:
There is a closed account on credit report, reporting inaccurate information on my XXXX and XXXX report. Reporting different payment statuses and last active information between the two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol one inquiry not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 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: Shellpoint Partners, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I was denied for a mortgage loan to do a " Charge off '' account being listed on my credit report. According to the credit report this account was open in XXXX and status was updated in XX/XX/XXXX in the amount of {$44000.00}. The balance according to the report was updated in XX/XX/XXXX. I have called the mortgage company listed on the report and they have no record of me ( address, phone number, account number, SSN ). They told me there is nothing they can do about it. XXXX has closed my case as well. They said if I can present them with an account number they can help me. However I only have the partial account number listed on the report. I have no further information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
This vechile was reposses from me in 2016 when the car was taken I never received the documents in the mail for the car being sold which it should have been sent to me. I have a cease and desist order with the company as they are not allowed to speak with me over the phone nor contact anyone as they contacted neighbors and advise that I did not pay my bill. I reached out to XXXX XXXX who is the complaince specilaist to ask what is the settlement on this account. They are still charging me interest on the account in the state of IL once the account is charged off I should not be charged interest for the loan they are reporting the loan to be closed but still the dollar amount has gone up over the year. I have reached out to the attorney general in the state of Illinois to advise of what this company is doing and she asked me to ask for a settlement and if they do not want to work with me I can file charges against them. I have done that and today XXXX told me via email that in order for her to help me I would have to remove the cease and desist on the account as they are not able to speak with me about it. I advised her that I will not remove this as the only communication I should get from them is in writting nothing over the phone nor will I provide them contact number. I have not been able to get the company to one remove this after the information that they are reporting to the credit company is not accurate they said that it is. I now would like to have the signed contract that states when the car is taken I will still be charged for the car interest even after the car is sold. In state of ILLINOIS this is not possible when the account is charged off. So I will like to have the documents sent to me and if they are not able to provide this to me I will per the FCRA they have to provide me the sign contract for me taking the car and saying they can still charge me.If they can not provide that I will like to either be offered a settlement for what was left to pay on the car or removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: CA

Complaint narrative:
This company debit my account before they day they should have because of a mistake and they drove my account negative and I got charged {$100.00} dollars in over draft fees, I have tired repeatedly to get help but with no luck I keep getting the run around always telling me we we will give you refund but we need to wait until it post to your account once it did post it was not pending I reach back out to them, then they tell me now I need to wait until my bank reverts the charges before they can give me a refund. They only have a chat customer serves and I fell it is just a AI responding because all the answers are in the same format.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: SC

Complaint narrative:
There is an account reporting on my credit report that is incorrect. I didn't authorize this account and it's violating my rights according to FDCPA. Any bad debt furnished on your credit report is running your reputation and it's defamation of character. 

PLEASE REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT AND PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT. 

XXXX XXXX XXXX # XXXX {$15000.00} Payment {$260.00} THIS ACCOUNT IS CAUSING ME ALOT OF EMOTIONAL DISTRESS FOR ME AND MY FAMILY AS WE ARE NOT ABLE TO CLOSE ON OUR HOUSE BECAUSE OF THIS ACCOUNT. I DID NOT AUTHORIZE THIS ACCOUNT. I'M REQUESTING THIS ACCOUNT TO BE REMOVED.

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