vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage matured XX/XX/2020 the start of Covid-19, I submitted several applications to modify my loan and sent payments, payments were returned and modifications were denied. My balloon payment is XXXX, XXXX, and the company will not help me or modify my loan.

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 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: CA

Complaint narrative:
Afne and a man XXXX keep calling about a bill i do not owe them. 
Ive asked communication to stop. it needs to stop. 
No phone calls no mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX death cert file:XXXX ; cert XXXX deceased on XX/XX/2014. My mother 's life policy was stolen this yr. I contacted the ins co. I lived with strangers because if my husband and my room was being entered when I went to work. I entered my brothers ssn in the credit bureaus data base and opened an acct. A letter was rec 'd in the mail from TN tax showing XXXX  due on an inh tax. TN tax number XXXX. XXXX had three houses and his ex wife assumed some of his properties. I contacted cc and ssn adm and closed out his acct when he died. He was in the military and his family did not rec payment from XXXX plan. I mailed an unq on XX/XX/XXXX cert number XXXX ; XXXX plan XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank arbitrarily lowered my credit limit on my PC Richards card. When I contacted customer service, XXXX, credit manager, told me that Synchrony Bank was lowering my credit due to inactivity. She was also kind enough to inform that Synchrony began lowering and even closing credit accounts beginning in around XX/XX/2020 due the COVID-19 pandemic. According to XXXX, Synchrony began lowering credit on customers they felt posed higher credit risk. 

I have not had any change in my ability to maintain and pay my credit. I have chosen to not purchase anything from PC Richards only utilize credit to my advantage.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have an agreement reached with American Express from XX/XX/XXXX that I would pay $ XXXX/month from XX/XX/XXXX until XX/XX/XXXX for a settlement plan to pay off the credit card. The account was closed and the settlement was reached in court. Since XXXX of XXXX, I have made every single payment on time and in accordance to the plan. Each month I receive a confirmation email directly from American Express thanking me for my payment. 

However, American Express has, and continues to, report the account delinquent every single month. The account is not delinquent as I have made payments for over 2 years every single month toward the account.

I thought that delinquent account ( for credit reporting purposes ) are those that have not made at least a minimum payment for 30 days or more. I have paid the American Express more than {$12000.00} toward my account over the course of the past two years. 

I have all the documents to prove the settlement, the payments, and confirmation emails from American Express that I have paid them. I have uploaded the attachment of the settlement, along with the most recent example of the payment emails I receive from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TX

Complaint narrative:
I have already notified the credit bureaus of this account being a result of identity theft. It has been over 60 days and an investigation hasnt been started. This a violation and as a result this account should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
Trying to payoff mortgage cant get an accurate payoff amount. I only owe them XXXX but I can get them to get me an accurate payoff quote.

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 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
My mortgage company will not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I was a with COMENITYBANK/XXXX  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Enquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: CO

Complaint narrative:
I received a letter from XXXX XXXX that a debt I owed them had been sold. I knew nothing about this debt and contacted the original vendor associated with XXXX XXXX  to report a fraudulent charge and they stated they would refer this to their fraud department. I was never contacted by anyone with the fraud department. 
I then received a letter from a debt collector, Asset Recovery Solutions , LLC for a debt they claimed was owed to XXXX XXXX. Within 30 days of the original letter, I sent a letter to them stating the debt is disputed and requested verification of the debt pursuant to 15 U.S.C. 1692g. I never received any verification, but was once again contacted by Asset Recovery Solutions requesting a payment of {$100.00}. 
This debt is not mine, I have no knowledge of the debt. However, without further verification, I don't know if this is a result of identity theft or simply a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: MIDFIRST BANK
State: TX

Complaint narrative:
I am in the delayed payment assistance program for COVID-19 for my mortgage. I was current on my mortgage when I went into this program. I was told by Midland Mortgage that this would not negatively impact my credit in anyway, it even shows on the website when I log in that I am current and on a delayed payment program because I have a FHA backed loan and I am due to resume payments in XX/XX/2021, however they are reporting to all three credit agencies that I am late 60 days on my payment. I have called Midland Mortgage at XXXX and discussed this with them however they continue to report me as late even though when I log in on the website it shows me current, this is lowering my credit score tremendously.

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 2020-12-10 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: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
I was sued by Midland Management. I paid their lawyers and now Midland Management has yet to update the status of my account with them. They used the law firm XXXX XXXX XXXX. I paid them on XX/XX/XXXX and it is still on my account. I have documentation showing I paid the law firm. I called law firm and they said for me to contact midland management at XXXX. 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX0, CAPITAL ONE BANK USA add a hard inquiries on my credit reports per XXXX and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 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: AZ

Complaint narrative:
Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to XXXX, TransUnion and XXXX  and I never received a response from them.

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 2020-12-10 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: AZ

Complaint narrative:
Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to XXXX, XXXX  and Equifax and I never received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2020, national credit systems received my request of dispute in their office at XXXX XXXX, per USPS tracking system, by certified number XXXX. To this very day they have ignored my request by not validating their claims of the money allegedly owed and the one month agreement they say I entered. I know that things are a bit slow becasue of the pandemic but they have passed the extra time to reply to me. Silence means they do not have adequate evidence to support their reporting and collection. Despite them not validating their claims, they continue to report the account to the credit reporting agencies amid collection and reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
On XX/XX/2020 I was notified that a collection had appeared on my equifax credit report reported by Consumer Adjustment Company Account # XXXX balance of XXXX $ I was never notified in writing that this account was placed in collection with this agency, I called to get an account number because I never had that information, The address the have is XXXX XXXX XXXX XXXX XXXX, CA XXXX but I no longer live at that address and if they did contact me there It was never forwarded to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Credit Card, Southwest Rapid Rewards Card.

Autopay was set up with the correct banking numbers and each month, there was no letter sent saying the credit card payment was not received. After about 6 months, all of the sudden I was charged for 6 months worth of payments at one time because the " bank and Chase '' were not talking. Then suddenly, the autopay payments kept being returned and kept charging me a return fee. I ended up calling and getting some fees taking care of as I was trying to pay. I put in the exact same banking information and set up a " different '' autopay account which paid the fees. I closed the credit card and then a month later got a charge for {$4.00} AFTER THE ACCOUNT HAD BEEN CLOSED. When I called, they informed me it was the difference of a credit for the return fee and a new fee. I asked how exactly can I pay them as they would not accept a credit/debit card, it would be too late for them to mail me a statement, and the account number they use for my bank keeps causing issues ( even though it has been verified multiple times ).

This credit card company CAUSED MY CREDIT SCORE TO BE NEGATIVELY IMPACTED THROUGH AND BY NO FAULT OF MY OWN. Although I had attempted to pay my balance multiple times, I was not able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
On XX/XX/20 I paid my mortgage with XXXX, loan number XXXX. On XX/XX/20 XXXX  mail me a letter saying I would receive my over payment in ten business days. As of today, 20 business days later, I have not received my refund of {$860.00}. When I have talked to them, by phone, they have blamed the reason for not receiving my refund of over paid principle on the mail and the letter XXXX sent was not accurate and should not have been sent. When XXXX is collecting payments from the consumer the mail is not an acceptable excuse for not getting my payment to XXXX on.

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 2020-12-10 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: GA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I have sent a police report and Identity Theft affidavit to Southwest Credit several times and they keep trying to collect on a debt that was involved in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting 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 2020-12-10 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: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Credit collecting company has systemic failures, resulting in their systems not accepting credit payments, inaccurate reporting of payment receipts, and the inability to contact the company effectively. Company incorrectly reports missing payments. Companies electronic method for electronic processing of consumer mortgage payments has repeatedly failed. The system inaccurately reports that payments were accepted and inaccurately reports that payments were processed. Companies phone communications are unavailable and unreachable. Company did not notify consumer of missed monthly payments, by email, phone, or us mail. Company does not take effective communication action until loan is in default. Company apologies for errors, refunds late fees, and refunds charges but does not correct credit report. Companies failures have happened repeatedly has assured me problems wore corrected but processing errors have continued. Company investigated problem for weeks, resulting in additional missed payments that were submitted and reported as accepted, resulting in additional fees, fines, and negative credit reports. Company did not suggest or recommend any additional methods for processing payments. Companies actions have had deleterious affects on obtaining new credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
This company did not follow XXXX  repossessions laws when picking up my vehicle. The vehicle was taken from my home without my consent. The car was taken after payment was made on previous notice and I basically walked out my house with no car and was not given any notice to make arrangements to gather my personal property from the vehicle. I was given no information as to what tow company picked my vehicle up or how I could contact them. My license plate was also taken and not given back. And I haven't received any information on the amount that the car resold for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
On XXXX, Receivable Performance received my request of dispute in their office at XXXXXX/XX/XXXX, per USPS tracking system, by certified number XXXX. To this very day they have ignored my request by not validating their claims of the money allegedly owed and the one month agreement they say I entered. I know that things are a bit slow becasue of the pandemic but they have passed the extra time to reply to me. Silence means they do not have adequate evidence to support their reporting and collection. Despite them not validating their claims, they continue to report the account to the credit reporting agencies amid collection and reporting laws.

Company response to consumer: Closed with explanation