vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 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: CA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I sent written communication to Bloomingdales dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO written communication from Bloomingdales. They did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Bloomingdales communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Bloomingdales to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Bloomingdales provided none of the above. Bloomingdales continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Bloomingdales has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Bloomingdales dated XX/XX/2020, requesting the same information with same results of NO written response. The above illegalities were committed via USPS mail.

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 2020-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
XXXX XXXX, is filing a complaint against Auto Money in XXXX, SC for harassment, a member of our family applied for a loan with this company in XX/XX/2020 to maintain some bills because she has been out of work due to problems from Mold infestation of her home in which the Landlord failed to comply with Landlord/Tenants Rule. According to the LAW, a company do not suppose to call consumer daily. According to the COVID-19 VIRUS, many are not on their jobs in contact with many people, also colleges are closing down and people jobs ... She was told by them that did not matter to them, Our family and many others has contact Governors, Mayor, Attorney General of what to do and are abiding by Medical Rules, and Government rule applied about what we ALL are facing. It is not that no one DO NOT want to pay their debts, but if OUR JOBS are selective of whom can or can not come in, consumers has rights. She has XXXX, and this company harassment has cause her to become with more stress because of AUTO MONEY contacting her EVERYDAY. She has been sick over a month and has only worked 1 week in XXXX, and she has explained that to AUTO MONEY and has basically been trying to gain other loans to get this Loan paid off. They claim she threatened their business, NO!! she explained to them what we and many others has been told by the Government of what is best to do. We as family has been shut down with our jobs as well, but we are trying to maintain bills as well. If they understand this, therefore they should not harass consumers. We are trying our best to keep her with her medications that her insurance DO NOT PAY for, and Co-Payments with her Doctors and Specialists. We are asking that they DO NOT as the LAW states to harass consumers and that we are working on ALL bills to keep our homes and help her get this paid off. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
After realizing my identity was compromised I immediately decided to take the necessary steps in attempt to try resolve this matter with all three of the major credit bureaus. I have sent several disputes including a identity theft report which included several of the fraudulent accounts in question. I have included several pieces of supporting documentation along with my identity theft report and Transunion has failed to provide accurate verification as per the Fair the Credit Reporting Act. Transunion has failed block the fraudulent accounts within 4 days of being notified as per section 605b. Transunion has also failed to abide by sections 609 and 611 of the Fair Credit Reporting Act by taking more than 30 days with the investigation and clearly violating my consumer rights. The fraudulent accounts in question are 1.XXXX XXXX XXXX XXXX XXXX, 2. XXXX XXXX FKA XXXX  # XXXX, XXXX XXXX  XXXX XXXX  # XXXX, 4. XXXX XXXX University # XXXX, 5. XXXX XXXX # XXXX. All these accounts have and were included in my identity theft report as a result of fraud and in no way should not be listed on my credit report. Transunion continues to send out vague responses without any significant proof of showing any obligation connecting me to any of these debts.

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 2020-03-23 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$6600.00} XXXX  XXXX XXXX {$210.00} XXXX XXXX {$85.00}

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 2020-03-23 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$6600.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$85.00}

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 2020-03-23 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward. I just got a duplicate drivers license and copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts open that I am not nearly familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$240.00} XXXX XXXX    XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$68.00} XXXX XXXX    XXXX {$460.00} XXXX XXXX XXXX XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have had 3 loans from Sallie mae/navient since the mid 2000 's. Each were taken out for XXXX. Since then I have been paying on them when I could even though they were in deferment. Once I had a career I started paying monthly plus adding extra payments while I could, this has been for over 3 years now. I still owe close to XXXX. I dont understand why my loan amount is not dropping. I have called several times over the years to see if I could get the interest rate down and ask how exactly my payments are being used to my accounts. I have not been able to lower the rates they've actually have gone higher and I recoeved no real answer to why my loan isnt really going down. Would like some help to relieve me from this huge debt and headache. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted my current mortgage service company, NewRez, LLC to inquire about current interest rates because I was thinking of refinancing. The person I talked to, XXXX XXXX XXXX # XXXX asked of our names, social security numbers, and some other info. I assumed this was to see what type of credit risk we are ( both XXXX scores north of XXXX ). He said he would research and get back to me. The next thing you know I received an email with a link to sign Initial disclosure forms. I immediately emailed XXXX and reiterated that I DID NOT APPLY for a loan but was merely inquiring about rates. He replied not to worry, that it was just their system automatically responding to whatever he did internally. He said just ignore it. Fast forward to XX/XX/XXXX and we received paper copies of the Initial Disclosure documents in the mail. I want this whole file expunged from their records, any detrimental affect on our credit reports to be cleaned up by them, and for this to have no effect on our current mortgage. I feel, that I was lied to, mislead, not listened to, and handled in a most unethical way. I have attached the cover letter I received for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
During this Covid-19 pandemic a better plan needs to be implemented to assist homeowner in this trying time. 

A Loan Forbearance DOES NOT HELP!!! 

A loan DEFERMENT is the very best solution!!! 

How can the mortgage companies expect you to make full restitution after the forbearance period when you have not been working a do not have the funds accumulating to pay the account. This is another indifferent application by the mortgage companies to give false hope to the homeowner. Please stop the mortgage companies from implementing this practice or option. 

A deferment helps everyone involved. The banks get their money at a different time and the consumer gets the proper relief needed to get back on their feet. 

Please give this dire situation all the attention it needs Many Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I sent a check to Carrington Mortgage in XX/XX/2020 in the amount of {$360.00} ( ck # XXXX ) satisfying my XXXX payment. 

Next, I got a letter from Carrington Mortgage saying my account was in Foreclosure and demanded {$810.00} dollars for the account to be current. 

I promptly sent {$810.00} dollars with check # XXXX. Both Check # XXXX ( {$360.00} ) and Check # XXXX ( {$810.00} ) have cleared my bank. This puts me paying a total of {$1100.00} to pay a bill that was really only {$360.00}. 

However, the 3 credit bureaus have contacted me saying that my credit score has been lowered due to a report by Carrington Mortgage. 

I suspect the heart of the controversy and damage to me begins with the Carrington Mortgage Payment Processing Center. Perhaps the scheduled 2020 change in payment amounts due to the escrow shortage made the Payment processing center place my XXXX payment on some sort of hold? Has Carrington had some staffing problems with the Arizona processing site? 

Please investigate this matter and treat me fairly. As stated above I have paid a total {$1100.00} on a mere {$360.00} due but because of Carringtons actions, I now have a lowered credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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:
XXXX XXXX Acct # XXXX Amount {$1800.00} XXXX XXXX Acct # XXXX Amount {$54.00} XXXX XXXX XXXX Acct # XXXX Amount {$1200.00} XXXX XXXX Acct # XXXX Amount {$110.00} XXXX Acct # XXXX Amount {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: NY

Complaint narrative:
I have inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do know owe. This debt has been paid a long time ago, and I'm not sure why it's even in collection status. this is erroneous! This needs to be deleted.

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 2020-03-23 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward. I just got a duplicate drivers license and copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts open that I am not nearly familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$240.00} XXXX XXXX   XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$68.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX {$450.00}

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 2020-03-23 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward. I just got a duplicate drivers license and copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts open that I am not nearly familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$240.00} XXXX XXXX   XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$68.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX {$450.00}

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 2020-03-23 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX/XXXX  XXXX {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I've called the mortgage company at least 25 or 30 times in the last 2 weeks attempting to get them to pay the remaining {$100.00} of taxes and late fees that they accrued due to not paying my taxes on time through my escrow. I've spoken with numerous representatives on the phone to attempt to get them to resolve my issue and they look at the notes and say that it says it's been paid and I tell them I just got off the line with the XXXX XXXX tax office who's currently telling me that it was not paid. I get frustrated and annoyed and tell them to fix it and they either hang up or say we'll fix it and call you back tomorrow and no one is actually doing anything. Just smoke and mirrors. I've told them on numerous occasions that XXXX XXXX tax office in XXXX, NC has already sent a garnishment letter to my employer saying they will garnish my wages and my employer has notified me that they will garnish my wages on XX/XX/20 if these taxes aren't paid by then, but no one at Amerihome Mortgage is actually helping me. They are literally not assisting me. I've spoken to my attorney about this and they suggested I send you a letter. So here it is. 
XXXX XXXX government - XXXX ( XXXX Amerihome mortgage - XXXX ( amerihome.loanadministration.com ) Thanks for your assistance in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in Mr Cooper 's  response to complaint XXXX, dated XX/XX/XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the datesXX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, Mr Cooper 's reluctance to correct a Seterus problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see Mr Coopers reporting of 60 days late in XX/XX/XXXX to XXXX  and other CRAs. Why is there no 30 day late reporting inXX/XX/XXXX? Mr Cooper is manipulating a Seterus problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. The plaintiff/homeowner has submitted payments through the Mr Cooper aut
omated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by Mr Cooper.

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.

Company response to consumer: Closed with explanation