vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As stated in my previous complaint, I have disputed a Chapter XXXX bankruptcy reporting on my Experian credit report as well as all of the accounts that were included in that bankruptcy on XXXX and XX/XX/XXXX and now also XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX due to the fact there are multiple inaccuracies and discrepancies being reported which is having a devastating effect on my credit scores and financial well-being. And each time I have disputed this information, Experian has CLAIMED the Chapter XXXX bankruptcy has been verified by XXXX and that the bankruptcy and accounts included in the alleged bankruptcy belong to me AND are reporting 100 % accurately. However, the information that is being reported to each credit bureau is completely different such as the file date and discharge date and no assets or liabilities are reported which is definitely an inaccuracy. And the accounts that were allegedly included in this erroneous bankruptcy are all reporting differently across the credit bureaus. Information such as open date, date of last activity, date of last payment, date of first deficiency, high balance, etc are completely different. Yet, Experian has CHOSEN to continue reporting this information on my file. My confusion is how is Experian in compliance with what is required by The Fair Credit Reporting Act regarding truthfulness and accuracy of ALL information being reported on my credit report, if they have been given ample evidence to the contrary, yet are still reporting this erroneous information? Furthermore, I have provided them with proof that XXXX ( who they claim verifies their bankruptcy reportings ) has no record at all of any bankruptcy listing under my name and social security number ( which I have attached to my complaint ). As you can see under Section 9 of the report, there are NO bankruptcy listing being reported. I disputed this inaccurate information with XXXX and they entirely removed it from my file. Yet, Experian has chosen to continue reporting this inaccurate information further damaging my credit worthiness.

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 2021-08-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted each company about multiple inquiries and all said to call credit reporting company. some said they have no record of my information in system XX/XX/2021 I contacted equifax and they told me to file ftc report and they would remove unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
SEQUIUM ( Original Creditor : XXXX XXXX XXXX ) has filed a collections against me. I have submitted disputes in XXXX, XXXX, and XXXX regarding this account. It was removed for lack of verification by all three creditor bureaus and sold to another creditor and was again placed back on my credit report. Sequium and charter communications are the same company. I called this afternoon to request a debt validation letter and the two individuals I spoke with where leading the conversation and basically trying to get me to admit I owed this debt without telling what this debt is even for. I never received anything in the mail stating that I owed this debt and I ask them to validate this debt for me and the man on the phone stated that I had to provide all my personal information. The first woman I spoke with found my account with just my name. But they didn't have any other information about me because the types of questions she was asking seem to me like they were gathering it as we spoke. When I did not provide my social security number and address the gentleman hung up the phone. Before he hung up I asked them to send me a debt validation letter and he did not confirm he would. I would like a debt validation letter for this company. If this company can not provide me with this information they must remove this account from my credit report. Please assist me with this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Kohls has transferred this debt to a bottom-of-the-barrel debt collector that can't even accept payment. I have tried to deal with kohls and this is the final attempt before I file legal actions against The person in charge of this case personally and kohls separately. This company refuses to accept payment and is reporting incorrectly on the credit report. It is unbelievable that this company gets away with this day after day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC
State: MD

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
COLLINSASSET ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
My complaint is mostly about the 2months without a payment in between the closing and the first mortgage payment due. I was told that I wouldn't have a payment until after 2 months from closing on my loan. My first closing date was supposed to be XX/XX/2021. But that didn't happen and when I called Mr. XXXX ( Loan Depot ) told me he didn't know why it changed but for me to keep paying my former mortgage company so I wouldn't affect my credit on a late payment. So in XX/XX/2021 I made my mortgage payment of {$1300.00} to XXXX XXXX. Then two days after I made that payment, Loan Depot gave me a closing. Then Loan Depot sent me a mortgage note to pay my first mortgage to them on XX/XX/2021. I called them to ask if this was a mistake since I made a mortgage payment for XX/XX/2021 that should make my first payment in XX/XX/2021 to give me the two months without a payment. Mr. XXXX XXXX told me that the XXXX note was correct and that I had to pay them in XX/XX/2021. So I asked them for my XX/XX/2021 since they should have paid that to XXXX XXXX in my closing. He informed me that they don't owe me and I would not be getting that from them. Also, my " cash back at closing '' changed several times as I was sent closing disclosures saying I would receive {$11000.00}, then {$11000.00} and I actually received {$11000.00}. When I called about that they said that they made a mistake in the calculations. I due believe that it is Loan Depot that owes me my XX/XX/2021 mortgage since I didn't have my 2 months gap before my first mortgage payment was due. And that every money " mistake '' was in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, D & A Services sent me a letter stating a XXXX XXXX XXXX account had been placed with their company for collections. The debt listed in the letter was for the amount of {$3000.00}. 

I have never before applied for my own XXXX XXXX XXXX credit card and therefore believe this debt to be invalid. 

On XX/XX/XXXX, I sent D & A Services a certified letter asking for additional information about the account and to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt. I specifically asked them to provide a copy of the written agreement that created my original requirement to pay as well as a copy of the billing statement sent to me by the original creditor. I also asked them to provide details about their authority to collect this debt such as their debt collection license information. 

On XX/XX/XXXX I received a response from D & A services. They included a photocopy of what they claim to be billing statements sent to me from XXXX  XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. These statements have my name and address on them, but I never once received them. In addition, the statements show payments were made on XX/XX/XXXX ( {$160.00} ), XX/XX/XXXX ( {$350.00} ), and XX/XX/XXXX ( {$150.00} ). I would like to know who made these payments and what account they came from because it was not from my bank account. Also, these statements do not have one single charge on them toward the original debt in question. It only shows the debt amount and the monthly fees & interest charged throughout the year which have now increased the debt from {$2600.00} in XX/XX/XXXX to the {$3000.00} that is said to be owed today. I don't understand how they can claim I owe this debt without showing me a single one of the charges they claim are past due. They also failed to include a copy of the original written agreement showing it was indeed me who opened the card and that I agreed to the terms and conditions and my requirement to pay. Finally, D & A Services did not provide any information regarding their license and their authority to collect this debt. 

It is of my opinion the credit card statements they provided are falsified to look as if they were originally sent to me. Each statement provided is a copy and double sided, however, on some of the statements, the dates do not match what is on the front versus the back. For example, one statement is dated on the front as XX/XX/XXXX - XX/XX/XXXX, but on the back of the page the date is listed as XX/XX/XXXX - XX/XX/XXXX. On another one of the statements, the front is dated XX/XX/XXXX - XX/XX/XXXX while the back is dated XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: NC

Complaint narrative:
I completed a loan agreement online with Klarna at XXXX XXXX  on XX/XX/2021 for a total of {$3300.00} at 0 % interest to purchase a massage chair from XXXX XXXX XXXX. Terms were {$94.00} down payment, 35 payments of {$91.00}, and a final payment of {$91.00}. 

At XXXX XXXX  that day, I received an email with a loan plan attached that had different terms that the ones I agreed to : {$400.00} down payment, 35 payments of {$83.00}, and a final payment of {$83.00}. They also immediately placed a hold on my debit card/checking account for the {$400.00} down payment. 

Although the total amount to be paid is the same, they changed the terms of the loan without my knowledge or agreement. Fortunately, I had {$400.00} available in my checking account, so I did not bounce any checks. 

At XXXX XXXX  on XX/XX/2021, I initiated a chat with Klarna to find out how they could illegally change the terms. I supplied them with PDFs of both Truth in Lending Disclosures, along with a screenshot of the hold they placed on my account. When they finally understood my issue, they said they were upgrading it to a specialist who would contact me. 

On XX/XX/2021, the {$400.00} charge cleared my bank. At XXXX XXXX  on XX/XX/2021, I finally received an email response from Klarna, which incorrectly stated that I had reported a problem with my order with XXXX XXXX XXXX and that they have paused my payment schedule. So I used XXXX to find a Klarna customer service number ( XXXX ) and spoke with someone there. She had no answers for me, could not transfer my call to the specialist department, and said that that department would contact me in the same time frame as previously, i.e., about 3 days. 

Fed up with Klarna, I called XXXX XXXX XXXX and spoke with customer service there. I asked them to charge my credit card because I didn't want to deal with Klarna any longer. XXXX XXXX charged my credit card the full amount, and refunded and cancelled the loan with Klarna. Klarna then emailed that they would refund my {$400.00} within 7 days. 

I recommended to XXXX XXXX that they cease doing business with Klarna due to their deceptive lending practices and incompetent customer service. However, I am still concerned that other Klarna customers may have their loan agreements changed after acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
They failed to honor the {$5.00} reward for every each month I deposit {$200.00} into my saving now they owe me {$10.00},,,, This is the false advertisement.I opened this account online, I passed all the verification and credit check procedures and passed

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 2021-08-03 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
Unauthorized credit inquiry from Avant on XX/XX/2020. I sent a letter to XXXX  to have removed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian is the only bureau not reporting accurate information on my credit report. Thru will not keep their agreement of taking the fraudulent debt XXXX XXXX off of my credit report even after they told me to get a police report and identity theft 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 non-monetary relief
Consumer complaint received 2021-08-03 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: NC

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted each company about multiple inquiries and all said to call credit reporting company. some said they have no record of my information in system XX/XX/2021 I contacted XXXX  and they told me to file ftc report and they would remove unauthorized inquiries.

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 2021-08-03 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: NC

Complaint narrative:
I contacted each company about multiple inquiries and all said to call credit reporting company. some said they have no record of my information in system XX/XX/2021 I contacted XXXX  and they told me to file ftc report and they would remove unauthorized inquiries.

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 2021-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
XX/XX/2021. United Wholesale Mortgage ( UWM ) is responsible for paying my taxes and home owners insurance from my escrow account. Although they collected the escrow from my mortgage payments submitted, they never paid my insurance. I received a notification from XXXX XXXX  that my insurance was cancelled due to lack of payment. I notified UWM through their customer portal communication channels and attached the letter of cancellation from the insurance company. I contacted XXXX XXXX Directly and made the payment directly from my checking account. I had to work with the insurance underwriters and sign a waiver that stated during the time I wasn't covered and to the time the insurance was reinstated, I incurred no loss. Thankfully a loss didn't occur during that time the policy had lapse, otherwise I would have not been covered. UWM knew the renewal date for my home owners insurance yet never paid the policy. The renewal date was clearly visible on my Escrow account profile on their website.

Since I had to pay for the insurance out of my own pocket, I contact UWM on XX/XX/XXXX to request a refund of the money they collected through escrow for the insurance they never p [ aid. UWM refused to refund me my money, and several days later, after the insurance was already paid and reinstated on my own, they sent a check to the Insurance company for the coverage that was current at a zero balance. This was a deceptive effort by UWM to conceal the fact that they never paid the insurance. They attempted to cover their mistake by sending XXXX  XXXX a check, long after it was already resolved. XXXX XXXX sent me the money that they received from UWM, yet it took almost a month to get my money back.

Still to this date have not gotten a response from UWM regarding the XX/XX/XXXX communication with the attached cancellation letter from XXXX XXXX. UWM is deceptively trying to conceal the error on their side. 

I requested UWM to remove my portion of the insurance handled by escrow and told them I would manage my insurance myself. They refused and keep quoting PMI rules. This is a VA loan and I have no PMI obligations on this loan. Every time I call UWM I get a different answer from a different representation. Since UWM records call for quality assurance as part of their customer support line, I started recording the calls personally. I have several recorded calls with UWM representatives contradicting each other on the same call.

UWM is consistently mismanaging mortgage loans and banking transactions. Just recently they had a major issue with unauthorized withdraws and deposits into customers bank accounts, causing overdraft fees and other charges to customer accounts. Their mortgage financial solution is poor at best. One of my original complaints was their inability to handle my escrow payments and balance, consistently making corrections because of their financial solution is so poorly designed.

Company response to consumer: Closed with explanation