vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After multiple attempts of writing letters to the credit bureaus, they continue to report inaccurate information on my credit which hurts my ability to obtain credit. There are several accounts reporting activity date incorrect, accounts that do not belong to me are reporting, late payments are reporting on my student loan accounts. Accounts that were deleted have reappeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX My wife and I are very sick of this. This issue needs to be closed asap. I do not care about AMEX internal processes. Anyone who had this happen to them would be absolutely furious because nobody likes to be scammed like this.

1. I don't know these people or these places, I was driven to them as part of this scam 2. I was XXXX assaulted in one of these businesses 3. I was blackmailed by one of them 4. AMEX has ruined our lives for two years trying to collect money from a XXXX victim 5. This was an obvious scam, nobody blows money like that for no reason 6. AMEX has been involved with these people before and they already know they are capable of something like this.

7. I am beyond angry that this company would demand I pay for my own XXXX assault, it's reprehensible 8. I don't care anymore about what AMEX does other than closing this account If AMEX chooses to bill me for these illegal activities, fine. But we want to move on, I'm tired of playing games with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
Re : Specialized Loan Servicing LLC. Post office box XXXX XXXX Colorado. XXXX. I made 2 large online payments more than enough to payoff a 2nd mortgage. They have both amounts in cash no problem. They are not apply the last payment on XX/XX/21 which is {$20000.00}. They are giving me the run around. They have my money and I don't trust they will apply it or at least send it back. I need help with this unhelpful dishonest company please.

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 2021-07-16 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
On XX/XX/2021 I paid a settlement amount of {$1200.00} to Portfolio Recovery Assoc LLC with the PROMISE of a Full Deletion from All reporting Credit Bureaus. Today I received an ALERT from XXXX  showing an outstanding balance of {$2800.00} owed to Portfolio Recovery. I have DISPUTED this account numerous times with all 3 credit bureaus to NO success. I have open disputes and sent them copies of letters from Portfolio and this account is till showing on my credit profile. I called today and spoke to XXXX XXXX who was no help. I asked for a Supervisor ; I then spoke to XXXX XXXX who said he look at my credit report. He said nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NC

Complaint narrative:
I was checking my credit reports and noticed an unauthorized account and inquiries furnished on my credit report. XXXX XXXXXXXX account opened XX/XX/XXXX ending in XXXX should be removed from my credit report. Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account or any of these inquiries.. Block and remove this account and inquiries. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.

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 2021-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have been experiencing a reduction in work hours since the pandemic started. Navient has worked with me up until this time, but now Im receiving conflicting information and issues moving forward. 

I received and email stating that as of XX/XX/31 short term coronavirus relief was no longer available for private student loans. 

I went to their website under covid-19 assistance and it states the program is available until at least XXXX with a note that you cant use it for more than 12 months. 

I called to speak to someone yesterday and they told me I have no other options that to make the repayment because Ive used all other options. The reality is I am still working a reduced number of hours and need assistance in postponing payments. I have been very proactive in reaching out before payments have been due to keep Navient informed about my situation. Unfortunately all of the sudden Im getting conflicting information from their sources and no real help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am trying to setup an online account with Transunion. I sent in all the required documentation to fulfillment. I've spoken to fulfillment on multiple occasions and their final message to me on XX/XX/21 was " Hello, We regret the misunderstanding. We review your account and your credit file and found that due to lack of credit information on your file the online access might not be available for you at the moment. Also, please know that because of the type of freeze placed was for a minor for security purposes this might also make difficult to access the freeze online. The best option for you will be to manage the freeze over the phone by contacting TransUnion at XXXX XXXX XXXX XXXX Please make sure to have your pin number with you when assisted by one of our agents. 
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 2021-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against Suntrust bank regarding my home equity line and how they are reporting my payment history to the credit bureaus. I have spoke on the phone with numerous SunTrust representatives all in a desperate attempt to repair my credit which was destroyed by SunTrust due to a bank error which occurred at the XXXX XXXX, Maryland branch in XX/XX/2020. The bank took my husbands principle payment of {$8500.00} for which we have a receipt and an made it a regular payment instead of a principle payment. That apparently kicked our account off of auto pay since they entered it wrong. When they went back in to put his payment toward principle instead of as a regular payment, that made it that there was no payment in XXXX and by XXXX they had us as 30 days late. We were never informed that they made these mistakes with our payment. It took me hours to figure out what the bank did wrong and why we were getting late payment notices. Once everything was figured out, they credited back my account all the late fees since it was a bank error. I assumed all was taken care of properly until my credit dropped over 100 points! I was informed that SunTrust is reporting us as 30 days late on our mortgage from XX/XX/2020. I assumed this would be an easy fix for SunTrust. However, NO ONE at SunTrust will take ownership and fix this issue. I was on the phone with XXXX XXXX for an extended amount of time. She read the notes, acknowledged the bank error and sent it to the investigative department again. However, I received yet another letter from Suntrust advising me that they will not change the 30 day late on mine and my husbands credit report. I sent follow up emails, went into my local branch. I have called numerous 800 numbers. I missed one call from a man from Suntrust who was supposed to be investigating. His name is XXXX at XXXX ext XXXX, I called everyday and left five messages pleading for a return call and I get nothing. I have been with the same bank since I was 18 years old. My credit was SPOTLESS. I need someone to help me fix this and no one from Suntrust has agreed to help.

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 2021-07-16 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: VA

Complaint narrative:
I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. Equifax credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, Equifax had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last XXXX of SS # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I lived at XXXX on XXXX XXXX in XXXX, FL. due to Covid 19. My place of employment closed their doors and I had no work during the pandemic.my rent was {$2200.00} a month with all amenities pool, gym, dog park, etc. I told the office i was moving out because i couldn't afford to live there anymore so XXXX and XXXX rent was not paid, I moved out end of XXXX. I had the place professionally cleaned so there was no issues. the offices where closed and had no contact with anyone! so i emailed the office that it was clean and keys on table. thinking I was doing the right thing by moving out and not milking the system like others! The moment they received the letter at XXXX, XXXX called me very rudely and said she was sending me to collections. 
Im trying to buy a condo and i cant do anything because the collections debt says i owe {$10.00}, XXXX!!!! so it shows too much to debt to income ratio. now I'm stuck. I had perfect credit before this collection debt. i feel this is unfair due to the pandemic! If I owe anything, it should be 2 month rent at a discounted rate due to no amenities! 
someone please help me!! I'm desperate! 
I even hired a lawyer that sent a demand letter and the collections agency sent back with only a 50 % settlement offer but i feel the settlement offer should be off the price i actually owe which would be the discounted rental payment!

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 2021-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
BMW of XXXX despite numerous phone calls, emails and such, has neglected there responsibilities in contractual execution of the lease for the BMW XXXX, by NOT providing either Temporary Plates or the NC DMV plates as per the lease contract signed and payment 's collected. 

despite 7 email 's and calls to all dealership team management ( None responded ), there has been no resolution of this fraud and thievery actioned by BMW of XXXX. 
I have paid the correct fee for this service which has NOT been provided, they have my money and have NOT provided said service/item per the signed lease contract Currently i have a vehicle that can not legally be driven in NC state, paying the monthly lease for a vehicle that is sitting in my garage. all this is due to BMW XXXX lack of attempt to resolve / correct there own lack of actions and obvious breakdown of process on there end. this lack of customer service and probably an " Business as usual tactic to steal money from customers should be investigated and probably legal actions need to be brought against BMW of XXXX by the state/federal authorities '' Receiving/taking money for an good or service and willfully NOT providing said service/good is a federal offense and is punishable by LAW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Quicken Loans contacted via phone and left a voicemail stating that it was an emergency and I call them back. When I called them, they stated that the call was in regards to starting a refinance. When I pressed them as to why they thought a refinance constituted an emergency, the customer service rep said, " I don't think it is. '' I informed them not to contact me again and reiterated that they should not use the " emergency '' to sell services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
My wife received a phone call from a blocked unknown number several times a day every day. Finally decided to answer and they were looking for myself or my wife. They asked if we were still married and began to say stay on the line for information about a possible Lawsuit. The line transfered and it was a guy being very harassing to my wife asking if we were still married she said put me on the do not call list and then the rep from midland credit stated he will sue for debt if she hung up. And she hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: Avant Holding Company, Inc.
State: WI

Complaint narrative:
This account has been disputed and reported in the past due to them falsely adding it the AVANT account back onto my credit report. This has been paid for all the way back into 2019. this account has been closed, never re-opened, the balance is 0. attached are all my court documents proving this, i have sent a letter to each credit bureau with this information and they have still added it onto the report again years later!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I just received a phone call at XXXX today, XX/XX/XXXX, from Huntington 's collection department for a debt that doesn't exist. 

I recorded that phone call as I have asked, in writing, not to be contacted by their collections department multiple times. 

This mortgage has been paid ahead since they received it and their system deficiencies continue to cause the false flag of default. They have been informed and are more than aware. 

This is harassment. 

While they have continued to falsely mark my valid new complaints as duplicates in an effort to ignore me, I will continue to file them for my legal record keeping purposes. 

Every single communication and violation will be reported through this channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We are 2 small businesses that own the property in which we conduct business. We have never missed or been late on our payments in the 10 years we have banked with our lender, Bank of America. 

Our business mortgage was to mature end of XXXX of 2020. When the pandemic hit it became impossible to refinance as Retail and hospitality, the two businesses that's we are were hit and hit hard. The state mandated that we stay closed and business suffered tremendously. Banks were not interested in us. Still, we made our lender our priority and never missed a payment.

The bank wished to drop us as we have not been prompt with submitting the financial documents required in our covenant. They claimed that this was our default. They gave us an extension but charged us 1 %, or 12,000. We paid it. Still they claimed default as we didn't file our financial package and still couldn't get another bank to take over the loan. Why would they, due to COVID-19 and NY State '' s restrictions we were practically closed. Even when we're able to open, people didnt come out and our store was struggling. Still, we kept paying the lender and never missed a payment. And while we were trying to get our business back on track the battle was always uphill Still, the bank said that we must refinance elsewhere or we would be assessed the default rate of 6 % over the existing 5.5 % rate plus a 2 % fine over the balance. Or XXXX dollars. This would be a crushing blow to a business that has survived the economic environment from close to 50 years as well as a new fledgling coffee shop. 

Our payments are all and have always been current but now the bank wishes to institute the default rate and take another XXXX XXXX dollars. Our businesses can not afford this. 

Covid has put a strain on all businesses but mostly on retail and food, both of our businesses housed in this building. We are trying to refinance but it's been difficult. The state mandated that we stayed close to customers and we suffered as a result. Our payments are all still current and never were not. 

Please help.

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