vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 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: American First Finance, Inc.
State: GA

Complaint narrative:
An account was fraudulently opened in my names XX/XX/2020. I notified American First Finance XX/XX/2020 of the fraudulently account, submitted the identify theft affidavit and have sent several follow up letters. I have not been contacted by the company nor has this information been removed from my account. I have submitted police reports and letters from the Federal Trade Commission as well. I need this resolved immediately, this account DOES NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: AE

Complaint narrative:
On XX/XX/2021 I was reviewing my credit report and noticed a negative entry added to my credit report by Military Star Card, stating my payment was late 30+ days with a XXXX past due amount. This information is inaccurate as I have never been late on a payment with my Star Card. In addition to this, it make no sense for a payment to be late with a {$0.00} past due amount. I respectively request for the negative entry to be removed from 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 2021-01-17 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/2021 called the company to tell them a card was sent to me which I did not apply for. They said to contact you folks. They said someone must have access to my social and birthdate.

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 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I received a notice of possible attorney review from Midland Credit Management ( Midland ) where they stated, " We are proceeding with an evaluation of your account and are considering forwarding this account to an attorney in your state for possible litigation. '' I had already asked Midland to provide evidence that I owed the debt because I am a victim of identity theft. Midland sent over a copy of billing statements, and nothing baring my signature. 

I submitted Midlands documents to my attorney who is working my identity theft case and he started working on the case. He advised Midland to not reach to me any more and to send all correspondences to his office. He also asked Midland to confirm that they have ceased collection actions against me and to also confirm that they have not put any negative marks on my credit profile. 

Midland sent a billing statement to my attorney also. After the second letter to Midland on XX/XX/XXXX we never heard anything back from Midland. On XX/XX/XXXX I noticed that Midland added their collection to my credit report as being past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.This is my second time complaining about these false information they are reporting. im tired of it.

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 2021-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On Friday the XXXX, I called Ally Financial to get a payoff quote for our van, which was around {$5700.00}. I told them the check would be in the mail the next day & it was sent out by certified mail on Saturday the XXXX so that I could track it and it would have to be signed for. On Monday the XXXX, Ally Financial issued a repo order. My payment was received on Wednesday the XXXX and entered into their system the same day, which I have confirmation of. The van was repossessed on Friday the XXXX without notice from either Ally Financial or the repo company called XXXX XXXX. I only learned about the repo because I woke up Friday morning to find the van missing and I called the police to report it stolen. Multiple employees at Ally Financial claimed the payment I made never existed despite tracking number confirmation of it's receipt and the tracking on the slip that had to be signed upon it's receipt. Ally Financial had my wife wire them {$5000.00} from XXXX XXXX on Friday the XXXX & another {$1100.00} on Saturday the XXXX, and when I called on Saturday to confirm they had received the second payment I was told they had begun processing the check they had been claiming they had never received. I was also told they started processing the check after receiving the {$5000.00} payment, but the person I was talking to said it made no sense since it was started after everyone was supposed to have left. In other words, someone or a group of people was trying to turn a less than {$6000.00} payoff into one around {$12000.00} while claiming the original payment was never made.

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 2021-01-17 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: CA

Complaint narrative:
XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.This is my second time complaining about these false information they are reporting. im tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
Mortgage company, Lakeview Loan Servicing XX/XX/XXXX payment was sent by XXXX  via Bill pay on XX/XX/XXXX ( for a scheduled payment XX/XX/XXXX ). The payment had not posted by XX/XX/XXXX. I contacted the loan servicing agency who stated they had not received the payment and advised me to stop payment and make the payment via their website. I stopped the payment. I did not have the loan number and therefore contacted Lakeview Loan Servicing, ( which was absolutely cumbersome, difficult to speak to a representative after multiple prompts and extensive waiting times ). After I obtained the loan number, I then made the payment through their website. On XX/XX/XXXX, I received a late payment notification via US Mail. I called the Lakeview Loan Servicing ( which again, required extensive time to reach the appropriate department ), to attempt to resolve the issue, request that I would not have a late payment and not have a derogatory remark on my credit report. I was assured I would not have either. On XX/XX/XXXX, I received notice via email that the payment had posted! Again, I phoned the company to advise them of the payment I made via the website and the stop payment. I was told there would not be an NSF fee. And assured this delay in payment posting would not reoccur. I have since received my monthly statement with a late payment charge and an NSF fee notice. 
Background : previous payments have always been paid via XXXX and always received by the due date. My XXXX payment, paid by the same method, was posted on XX/XX/XXXX. It is my opinion that XXXX XXXX XXXX made the error of not posting the XXXX payment by the due date. 
I have contacted my bank, XXXX, who will be sending Lakeview Loan Servicing a statement of proof showing when the payment was sent.

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 2021-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
It was advertised that after a short time of good payment history that my account would be changed from a secured account to an unsecured account and that my security deposit would be refunded. I have been a member in excellent standing for over 1.5 years and they have yet to convert my account. I call in every few months and they tell me my account will be converted in 2 months ( an outright lie ) since I have repeatedly called since the account was 6 months old and nothing has ever changed even though I have remained in excellent standing with Synchrony and my credit score has improved greatly over this time period.

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 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am disputing the amount on my statement dated XXXX because the credits that i received from XXXX were added back to my account as purchases.The first time that this happened was in XXXX. The amount was {$10.00}, not only was it added back it was done twice. I called Discover on XXXX XXXX and spoke to XXXX. She told me that there are times when they mistake a credit for a purchase. I stated that it was added twice, she had no answer for this. 

The second time it happened was XXXX, XXXXI received a credit from XXXX in the amount of {$45.00} and it was added back as a purchase. I called Discover and spoke to XXXX an Account Manager. He was very offensive, and refused to listen to what is right there for naked eye to see. I have copies of the emails sent to me from XXXX confirming the credits. I tried to add them as an attachment but was unsuccessful. I will be glad to send them if you so request. 
Thank you my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo suggested that I missed a payment on one ( 1 ) of their credit cards although I never did and I disputed this fact with Wells Fargo. I had an exceptional payment history with the credit card in question until XX/XX/2015. This is when I had an issue with Wells Fargo and disputed their allegation that I was 30 days late on a payment ( XX/XX/2015 ). Wells Fargo dragged their feet and then noted me as being 60 days late ( XX/XX/2015 ) than 90 days late ( XX/XX/2015 ). Notwithstanding, I wanted nothing to do with Wells Fargo and paid the account in full and closed it ( XX/XX/2015 ). Wells Fargo however in a punitive nature reported to XXXX that I paid the account late before I closed it. Wells Fargo is wrong and their actions are negatively impacting my credit score.

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 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Debt was paid my fianc had passed inXX/XX/2017 and my bills sat because of my XXXX & grief. I made a call set up payments & paid on time as agreed. I was advised that once paid it will be removed from my credit report from all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: HW Holding, Inc
State: AE

Complaint narrative:
In XXXX I made a permanent change of station to XXXX XXXX, Texas. I moved into government privatized housing and resided there until I received new orders transferring me to XXXX. XXXX, Texas in XXXX. In XXXX when I reviewed my credit report I noticed a negative entry on my credit from Hunter Warfield Collections Agency. After contacting the collections agency I was informed that the property management company charged me for a damaged kitchen countertop, however the countertop was already damaged as with most things in government privatized housing. It is of no fault of my own that the management company did not properly document the items that was reported and therefore I am requesting for the collection agency to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I contacted Loan Care about removing PMI from my mortgage. I started my FHA loan when the terms stated that PMI would be removed when loan to value ratio is 78 %. I contacted Loan Care several times and they stated that the value is based of my home 's appraised value of {$190000.00}. I reached the 78 % milestone in XXXX. Since then they have removed PMI payments from my account three times. After I contacted them about removing PMI from my account, they removed a PMI payment from my escrow account to make my payment look like they removed the PMI. If I hadn't checked the payment history, they could have continued removing PMI from my escrow account without me knowing it. They never responded to my message.

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 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Debt was paid my fianc had passed inXX/XX/XXXX XXXX and my bills sat because of my XXXX & XXXX. I made a call set up payments & paid on time as agreed. I was advised that once paid it will be removed from my credit report from all 3 bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used was debit card was at XXXX XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish my XXXX shopping. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX suggested that I missed a payment on one ( 1 ) of their credit cards although I never did and I disputed this fact with XXXX XXXX. I had an exceptional payment history with the credit card in question until XX/XX/2015. This is when I had an issue with XXXX XXXX and disputed their allegation that I was 30 days late on a payment ( XX/XX/2015 ). XXXX XXXX dragged their feet and then noted me as being 60 days late ( XX/XX/2015 ) than 90 days late ( XX/XX/2015 ). Notwithstanding, I wanted nothing to do with XXXX XXXX and paid the account in full and closed it ( XX/XX/2015 ). XXXX XXXX however in a punitive nature reported to Experian that I paid the account late before I closed it. XXXX XXXX is wrong and their actions are negatively impacting my credit score.

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 2021-01-17 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have submitted several certified disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with Navient requesting validation of lawful right to collect on this alleged debt .... 

Thus far, the collection company has forward a bill statement and an attempt to collect a debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: TX

Complaint narrative:
I have been disputing this account on my own for about a year and have yet to receive any results or response from Transunion. After debating on if I wanted to continue to dispute the charge off on my credit report, I decided to send another dispute then certified mail. Transunion receive my letter on XXXX XXXX. I am aware of the 30 days needed to investigate. Here we are in XX/XX/2021 and I have yet to receive any debt validation as requested on 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 2021-01-17 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: NC

Complaint narrative:
I have sent letters to XXXX, XXXX  and TransUnion on XX/XX/2020 and XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 4 months and I have not received a response from any bureau yet. I feel like my dispute letters are being ignored and that my voice does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. Since it has been almost 4 months, these items should be deleted immediately. I demand these accounts be removed or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2021-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed the following accounts reporting incorrectly for the following reasons : XXXX  XXXX XXXX account # XXXX reporting I was 30 days late XX/XX/XXXX, this was during the COVID-19 shutdowns and is not accurate. I paid this account timely for over 7 years. Please remove the 30 day late that was furnished to the credit bureaus in error. 
XXXX  XXXX XXXX account # XXXX Inaccurately reporting I was late 30 days in XX/XX/XXXX. Please update this negative information furnished to XXXX, XXXX XXXX TransUnion correctly. 
XXXX  XXXX XXXX Mortgage account # XXXX XXXX I was 120 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not accurate. The account was paid those months. 
Therefore, pursuant to the FCRA and FDCPA, I am requesting an investigation, as the accounts listed above are not being reported accurately. Additionally, I am requesting proof that you did investigate and the investigation was reasonable according to the standards set forth by the FTC. Please, 3. Provide me with proof of the method used to investigate all claims. 
4. Provide me with a complete and updated credit report.

Additionally, I am asking the above creditors to behave appropriately during this investigation period, if any action is taken which could be considered detrimental to my credit, furnishing false information to other creditors with respect to this account during the investigation period, that would be in violation of the FCRA, FDCPA and FBCA. This includes any information to a creditor that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it 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