vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: PA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 INQUIRIES : XXXX XXXX XXXX   XXXX  XXXX  | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX |  XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/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 2020-08-06 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 . INQUIRIES : US SM BUS ADMIN ODA |  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX/XXXX/XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/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 2020-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
My mortgage was put in forbearance for the Months of XXXX, XXXX and XXXX without my consent. I have being trying to get this matter resolved since XXXX with no success. I have being requesting documents from Wells Fargo since the beginning of XXXX to end my forbearance and as of XX/XX/XXXX I have not received them. I have made several calls to customer service requesting these documents and is told they have been mailed and a notary will contact me. I feel like I'm being lied to each time I call. It should not take over 2 months to mail documents to end a forbearance. I talked to an XXXX on XX/XX/XXXX who assured me the documents would be mailed that day. I followed up today, XX/XX/XXXX only to find out the code to end forbearance had not been entered in the system and the documents have not been mailed. I resumed my mortgage payments starting XX/XX/2020.

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 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: IA

Complaint narrative:
I have been paying a debt collection agency called, Central Portfolio Control since XX/XX/XXXX with an initial payment of {$70.00}, and then to be debited, {$50.00} each month, thereafter, until the debt is resolved. I recently ( XX/XX/XXXX ) was debited, {$50.00} above the authorized {$50.00} with two debits of {$37.00} and {$12.00}.

I contacted my bank and the bank advised me to call Central Portfolio Control, gave me the telephone number, and attempt to resolve it from there. I then called Central Portfolio and got the round around by their representatives giving me other numbers to call. One of the numbers was actually the number for XXXX XXXX. 

I finally reached a representative for Central Portfolio and was advised that the extra charges were to either even out two of the individual debts ( all debt is to the same original company ) or pay off two of the individual debts-she did not know which. 

I then explained the situation to her and advised her that I am on a fixed income and that I needed the extra charges removed. I also advised her that I would allow the {$50.00} I authorized for this month, but going forward I wanted the automatic debit to be canceled-that I would manually pay the {$50.00} monthly until the debts are paid off. She agreed to do as I instructed.

Later I received a call back from Central Portfolio Control-this time a different representative. She advised me that they indeed overcharged me and would reverse the extraneous charges and stop the automatic debit. 

I feel that Central Portfolio Control violated my trust because this is not the only time I have been confused by their record-keeping and the differing amounts I have been told in the past. Using their online site is also a nightmare as record keeping is not as it should be-full of holes. 

I have print screened and otherwise recorded what is on their online site as of XX/XX/XXXX in case anything is changed since this complaint. 

There are three charges of the same exact amount and when I called them, the representative told me that those charges were, indeed for different services, which I am suspicious of. One representative told me a different balance due than another rep. I have no confidence that they are handling my account correctly and would like them to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I tried to contact American Express directly because I knew I was late because a client had not paid me and I have now had to file a lawsuit. American Express said I was a day late and they had sent me to collections and they could not help me. At that time the amount was around {$40000.00} but I could not even confirm this amount and they said they tool almost XXXX in points. On XX/XX/2020 I received a debt collection letter from XXXX XXXX which said I owed {$52000.00} which I had paid {$12000.00} directly to AMEX. Then on XX/XX/2020 I received a notice that I owed {>= $1,000,000}. These amounts were disputed and now I am getting debt collection notices from XXXX XXXX , XXXX saying I owe {$44000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Around XX/XX/2018 I had a death in the family and asked help about a payment, they said they could restructure and asked for documentation and pay stubs. I also informed them I would be paying off the loan in the next 30 days or shorter and asked the freeze of due to circumstances. They referred me to a local Office where I emailed everything but they refused to reply in email, I found that interesting as I was sending sensitive information via email But they refused to reply by email. Later that month with an exchange of emails, ( one sided ) phone calls and more I Made the payments I could and notified them of intent to pay off, I asked the amount of which they said it changes daily?? I sent a certified payment that they accepted and lost for 5 days in their location. Later looking up the account I find they owe me money of which they refused to pay and they marked it derogatory. 
I want the derogatory remarks removed and they can refund the money shown on the final closing. I have a picture to send

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It appears that the Us Sm Bus Admin Oda has requested my credit report. I have not applied for any loans, nor am I a business owner.

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 2020-08-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AFNI INC.
State: AZ

Complaint narrative:
Company AFNI, I called them today to pay bill in full, I asked them to make sure it would be reported on my credit report and that I needed an email stating that they would do that and they refused to give me an email or anything in writing to prove that they would report it paid. They then stated they " don't do that according to company policy and said that is " the way it is '' and I would have to accept that. I again stated I wanted to pay it in full but would like an email stating what would be their part of the agreement, and then I would pay it immediately, they again refused. I believe that this is a very logical and fair request and they should have no problem doing that. what is the problem??? They shouldn't be able to keep it on my report if they are refusing to give me some proof of their actions that they should be responsible for. Companies like this are acting as bullies and should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I BOUGHT A PERSONAL HOME XXXX. XXXX I GOT MARRIED WHILE ON HONEYMOON THE HOUSE FLOODED DUE TO PLUMBING ISSUES. TWO LATER WHILE WE ARE YET TO RESOLVE THE PLUMBING ISSUES THE HOUSE CAUGHT FIRE AND THE INTERIOR GOT BURNT. THE INSURANCE GAVE OUT MONEY FOR REPAIRS BUT THE HOMEOWNERS ASSOCIATION HELD UNTO IT. THEY REFUSE TO RELEASE THE MONEY. I NEVER RECEIVE THE MONEY THE HOME WAS INHABITABLE I WAS GORCE TO RELOCATE TO XXXX XXXX WHERE MY HUSBAND WAS AND WAS TRAVELLING TO XXXX  TO WORK, ALL OF THIS HAPPENS BETWEEN XXXX XXXX TO XX/XX/XXXX, I WAS TRYING TO PURCHASE A HOUSE AND I WAS TOLD THAT BANK OF AMERICA HAVE A FORCLOSURE ME IN XXXX. BUT THE WHOLE THING HAPPEN XXXX, AS AT XXXX WITH ALLSO THE SITUATION I WAS NO MORE RESIDING THERE I WONDER WHY THE BANK WILL HAVE THIS ON MY REPORT, THE HOUSE WAS ALREADY DESTROYED BY FLOOD AND FIRE.

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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
Hello I am contacting your organization to file a complaint against my mortgage company Mr. Cooper. I have been trying to resolve my delinquent payments and get them to review my updated financial information for loan modification but their agents have obstructed the process. I am told that I am eligible for review and that I need to send in updated paperwork, and I follow the instructions but when they receive it I start getting the runaround and they never actually look at the information. I am now facing foreclosure because Mr. Cooper won't do their job and review my updated financial information which documents positive changes in income. I have owned my house for 15 years and I am scared I will have my house sold at foreclosure auction. I worked for years a XXXX XXXX   but due to XXXX XXXX had to take an early retirement. That is how the whole problem started. 

I applied for a loan modification in XXXX and was approved and I made my payments as agreed. As explained I was diagnosed with XXXX XXXX in XXXX. I had to take an early retirement from my job as a XXXX XXXX. I applied through Mr. Cooper for a mortgage modification since my income had decreased and I had major health issues and bills. I ended up getting approved in XX/XX/XXXX and was offered a trial program, but this modification only lowered the payment {$50.00} a month and I could not afford the payment. I tried to appeal and get a new review initiated, but have been stuck in the abyss with Mr. Cooper ever since. 

When I contact Mr. Cooper to re-apply for a modification I am told that they need updated financial information about my current income to be reviewed. I explain that I receive SSI and now I also receive a pension and that this is the current and correct financial information. There is some kind of disconnect with their agents, because they always fall back on telling me that I was already reviewed and that I need to provide information on additional income. When I provide this information, I am STILL told that I am not eligible for a new review and that the only possible solution is to make one lump sum payment of all past due amounts. 
Mr. Cooper 's agents won't even conduct the review, they act as gatekeepers and deny me access to homeowner programs designed to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: CITIBANK, N.A.
State: MA

Complaint narrative:
1. I was denied credit based on erroneous information provided by experian resulting in a loss of XXXX for purchase of an item and getting a Best Buy Credit card.

2. Best Buy used fake information provided by XXXX  to deny me credit.

3. XXXX  will not accept my dispute online and the only other way to dispute erroneous information is by a phone number that does not allow you to report the dispute due to a very long hold time and then hangs up on you and has very limited hours of operation.

4. XXXX  appears to not have the level of security needed to prevent XXXX entities from accessing my credit report, as all that is needed is a merchant account and my social security number, which I had to provide when I traveled to XXXX. 

5. Best Buy states that I was denied credit base on my XXXX XXXX XXXX ratio. Since my debt vs. income is very good, this is an impossibility.

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: IA

Complaint narrative:
I use credit karma to monitor my credit. I know that XXXX of their partners is XXXX XXXX. I see the ads all the time when Im checking my credit score/report. Today I received a credit score disclosure from XXXX XXXX in my email. I didnt no apply for any of their products. I didnt not authorize Credit Karma to share my info and Im concerned that a loan was applied for with my personal information. I do not have a new inquiry on my report, but I have no way to contact either company to verify that no loan was taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: TX

Complaint narrative:
ARS National Services is attempting to collect a debt that I do not owe. Therefore ARS has no legal right to attempt to collect any money from me. ARS has not validated this debt nor sent me an initial notice of collection. ARS is calling and requesting a settlementpayment for an alleged debt that I do not owe. ARS is acting in a misleading manner and is in violation of the FDCPA..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Lender name : Specialized Loan Servicing Repoted 30 days late for my XX/XX/XXXX payment of {$3900.00} I was seeking forgiveness of a late payment that occurred in XX/XX/XXXX. I'm asking for forgiveness because I was XXXX XXXX  in the latter part of XXXX into the first three weeks of XX/XX/XXXX. I had the XXXX XXXX. The fact that the XXXX XXXX  is borne out by this news article on Covid19. 

XXXX XXXX  XXXX " Health officials are working to figure out exactly how long COVID-19 has been in the XXXX XXXX. A new report suggests it could have been long before they started looking for it XXXX XXXX County 's Chief Executive Dr. XXXX XXXX suggests that COVID-19 could have been in the XXXX XXXX and circulating, since late XXXX in XXXX, according to the article in the XXXX  XXXX. '' During this period, I was XXXX XXXX and unable to make payments on my mortgage payment on time I was literally XXXX XXXX XXXX XXXX. It was not a purposeful and could not be avoided as I was XXXX and XXXX. As you will see from my file I was very consistent in the year prior to and months after my XXXX. 

I was asking that my credit file be updated reflect the forgiveness under the Covid 19 relief plans that my lender took advantage of.

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 2020-08-06 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: AFNI INC.
State: TX

Complaint narrative:
I have been trying to resolve an account with the company AFNI, inc. The account number with AFNI is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with XXXX  and XXXX  both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for AFNI on my credit report is : XXXX. This account with AFNI has been removed from my XXXX   report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent is attempting to collect a debt that I do not owe. ThereforeConvergent has no legal right to attempt to collect any money from me. I have not ever authorized an account under the creditor that Convergent is attempting to collect for. Convergent has not validated this debt. Convergent is acting in a misleading manner and is in violation of the FDCPA..

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 2020-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX a collection agency on the behalf of Capital One Auto Finance to settle the account of a voluntary repossession in the amount of {$1700.00} I called XXXX XXXX XXXX  I spoke with a Representative name XXXX she confirmed the settlement amount for {$1700.00}. After I paid {$1700.00} the amount that Capital One Auto Finance requested to settle the account. I was given a letter of release from XXXX XXXX   XXXX  on the behalf of Capital One Auto Finance settling the account. To update my Credit Report I forwarded to XXXX, XXXX XXXX, and XXXX  a page of my bank statement showing payment, Driver License as proof of identity, proof of address from my car insurance, a copy of the letter from XXXX XXXX XXXX asking for a settlement of {$1700.00} and proof from XXXX XXXX XXXX  showing the account was settled with Capital One Auto Finance. XXXX, XXXX XXXX and XXXX  sent proof over to Capital One Auto to update my record. Capital One Auto did not update my account as paid or settled. On XXXX XX/XX/2020 my credit reports where updated by Capital One Auto with a new balance of {$4000.00} the account status also shows Charge Off XXXX written off. and account past due as of XXXX XXXX.

Company response to consumer: Closed with explanation