vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX The original creditor XXXX  XXXX, sold the debt to a collection agency named National Credit Adjusters, at the statute date of limitations which is 6 years in the state of Tennessee on or before XX/XX/XXXX to collect a closed debt on a resident of New York state. 

Payday loans are illegal in New York State. It is a violation of New York State law to make payday loans in-person, by telephone, or over the Internet. It is also illegal for a debt collector to collect, or attempt to collect, on a payday loan from a resident of New York State. 

According to fair credit reporting practices, a debt collection agency can not report an active balance owed with missed payments on an account that is closed or charged off as open and delinquent. 

National Credit Adjusters has flagged my account as Collections on XX/XX/XXXX Balance {$460.00} Original Creditor XXXX XXXX Opened XX/XX/XXXX Account Status Open Account Date Closed Date of First Delinquency XX/XX/XXXX Under the Fair Debt Collection Practices Act ( FDCPA ). I requested a debt validation, in writing to National Credit Adjusters in XXXX of XXXX and asked to be provided with : Documentation that I owed the debt at some point, such as a contract signed with my valid signature. 

Documentation of any payments made with dates including month and year and the last outstanding action on the debt. 

Documentation regarding the statute of limitations for collection of such a debt in the state of Tennessee after the statute of limitations has passed and account closed. 

Documentation regarding what authority the collections agency has, such as a license in my state of New York to collect a debt as it is classified as a predatory attempt at debt collection which is illegal in New York State as attempting to collect the debt itself from a resident of New York State for a loan which classified as predatory and is illegal in the State of New York. 

National Credit Adjusters replied stating only that the loan was taken out in Tennessee and not New York. Provided none of the documentation requested. Had no legal right to collect such a debt and removed it lawfully from my credit report as requested in XXXX. 

However National Credit Adjusters has flagged my account again for the same debt as Collections on XX/XX/XXXX Balance {$460.00} Original Creditor XXXX  XXXX  Opened XX/XX/XXXX Account Status Open Account Date Closed Date of First Delinquency XX/XX/XXXX Payment Delinquency 24 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
I'm a veteran in a 30 year loan, my mortgage company is PennMac, whom offer to refinance my loan at a Fix Rate of 1.999 %? interest rate.so they sent me a Loan Cost Agreement Disclosure Package, in which Instead there was a disclosure of a floating rate agreement, in which they insisted I sign, and then durning the final paper work would then sign into a fix rate agreement? inwhich I could've go into a much higher interest rate then I already have, if I were to sign this agreement.this was an act of deceitfulness, especially when other lenders told me that interest rate of XXXX doesn't exist on todays Mortgage market.it was an outright act of deception.and if I had sign, that float rate agreement my mortgage payments could've Skyrocket, into not being able to afford to pay and losing this home.but through his Grace I didnt sign that selling Of souls deception of promises.they need to be review interrogated and question on their acts of decivefullness practices, and their my mortgage company at that?????? 

XXXX XXXX  XXXXXX/XX/XXXX Veterans XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Bank approved a Flex loan for me via my AT & T Universal Credit Card issued by Citi. The funds were approved and wired to my bank XXXX, but to a wrong account which Citi failed to disclose to my bank or myself in XX/XX/XXXX. 

After many telephone calls, conference calls and requests by XXXX and myself to Citi personnel, the funds were located and transmitted to my account on XX/XX/XXXX. I was told by Citi on XXXX XXXX that the payments due for XX/XX/XXXX and XX/XX/XXXX would not be posted as late and there would be no negative reporting to my credit report. On XX/XX/XXXX XXXX  alerted me to a XXXX point drop of my credit. From XXXX to XXXX. I immediately called Citi who assured me this would not happen and of course they danced and gave excuses. 

I have escalated this to the CEO of Citi with no response. It has been recently reported Citi has sent money to wrong account as a result of bad IT systems. It is reported this week they sent {$900.00} XXXX in error to wrong accounts forcing their CEO to retire early.

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 2021-02-18 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-02-18 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-02-18 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, XXXX XXXX  XXXX, and Navient. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Navient. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Number is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, I have a business loan with Wells Fargo Bank which I have had since 2015. The loan has been through automatic draft pay through my commercial checking account with Wells Fargo. When I visited two local branches in XXXX, Florida. I was informed I can not view the account on-line or receive monthly statements. I spoke with both branch managers and had the situation escalated. After waiting 3 days I received a call from both managers and was informed they could not provide access to my account or a printout of the monthly payments I had made over the previous five years. I was told only a screenshot would be mailed to within 7-10 days. I am concerned of fraud and/or not receiving credit for the 5yrs of payments I've made to Wells Fargo. Further more, I need to calculate interest paid for tax purposes.

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 2021-02-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was involved in equifax security breach of XXXX. 

My equifax credit report has not updated since XXXX of XXXX. When I pull my credit report online I have history all the way up to XXXX of XXXX. Starting in XX/XX/XXXX until current date, all of my report information is showing to be cleared and lost. I have no report information, several lenders I have used have not been able to find my equifax credit report and its affecting me financially. 

I would like Equifax to correct their problem and update my report to reflect my current credit information. 

I have made several attempts to email Equifax customer service on this matter as well as several phone calls. They try to assure me that there are no issues when I can login to their website and all reports after XX/XX/XXXX show absolutely no information at all. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I have filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Payments applied to Flagstar Bank loan Supervisor XXXX have been incorrectly paid and not applied to principal on the following date listed below : each payment was in the amount of {$1100.00}. 

XXXX not paid to Principal as requested XXXX not paid to Principal as requested XXXX not paid to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested The loan supervisor refused to reapply these payments to Principal as originally request orally on recorded line and as specifically identified in every payment memo indicating principal only.

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 2021-02-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX not mine XXXX XXXX DE XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX  XXXX XXXX not mine PUBLIC FILINGS XXXX DIST CT XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On XX/XX/2021, at XXXX XXXX, XXXX, and again at XXXX XXXX  Mrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX called my phone back to back and threaten to sue me, take me to court, and garnish my wages for a payday loan that is old on behalf of the Cash Store. I advised I have not discussed or talked to anyone from the store, or agreed to any settlement, or anything she claimed. she got rude, and said she will call my employer and garnish my wages, after she locate me, and serve me, and take whatever she wants out of my house. 
During a global Pandemic, and a Natural Disaster in Texas, we are without power, lights, and water, and she calls with this nonsense, I have enough going on in my life, and should at least of all have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I have filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-02-18 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: Nelnet, Inc.
State: NE

Complaint narrative:
I have filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: AES/PHEAA
State: NE

Complaint narrative:
I have filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Team Recovery Inc.
State: OH

Complaint narrative:
I disputed inaccurate information on my credit report with XXXX, XXXX, and XXXX. XXXX  and XXXX  has deleted the inaccurate information but XXXX  refuses to do so. Ive sent them copies of my credit report but they keep reporting it. The company has not sent me any contract or anything due to these collections not even being mine, the company has yet after 6 months to send me anything with my signature on it stating that these collections are mine. 
XXXX  and XXXX  have deleted them and I want XXXX  to do so as well its messing me up at getting approved for the house of my dreams because These collection are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: FL

Complaint narrative:
There are items in these reports that are utilizing my credit without my permission, and putting accounts that I have already reached out to to prove their allegation for the account they're claiming. I've sent numerous documentation providing lawful information proving the debt doesn't belong to me and that I had no relationship with them. Yet, they have not been able to provide those registered sent information. 
XXXX is an old account that is paid off, yet they have adverse information affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
In XXXX this account was apparently opened XXXX and sent to collections on XX/XX/XXXX to awa collections out of orange ca. A joint account with XXXX XXXX???? Have no personal knowledge of this account or person. XXXX $ Shows on my credit report. Dont know if this a mistake or identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: DISCOVER BANK
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK XXXX XXXX XXXX XXXX, 2014 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Because of XXXX, we entered into a forbearance period with XXXX Bank on XX/XX/XXXX. At the end of the forbearance period, XX/XX/XXXX, we were required to respond to their offer of a mortgage payment trial period. Our response was affirmative and we began to make on time payments, XX/XX/XXXX. On approximately XX/XX/XXXX XXXX reported us as being in arrears to the following credit agencies : XXXX, XXXX, and XXXX, resulting in our credit scores plummeting. After speaking to XXXX, I ascertained that this action is in violation of the CARES Act that governs mortgage negotiations as the result of XXXX, and credit reports are, in the words of the Act, " the furnisher shall ( I ) report the credit obligation or account as current. '' Further, and importantly, we were never informed that during the forbearance period or the mortgage modification period, we would be reported as delinquent. 

Finally, TIAA Bank sold our mortgage to another furnisher and when I call to find a resolution, the bank hangs up on me. I was fortunate to have a number I could call and obtain an email address. The bank is not responding to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine PUBLIC  FILINGS US DIST CT XXXX not mine

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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
I applied for a loan modification, Rushmore mgmt.co agreed on XX/XX/18 but increased the payments by XXXX instead of decreasing the payments. The original monthly payment was approximately XXXX, new monthly payment was XXXX and they increased the interest rate. I did not agree to the modification since I could not afford the increased payments. 
I became unemployed on XXXX and my husband abandoned our home on the same day.

Company response to consumer: Closed with explanation