vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I paid XXXX to Westlake Financial in XX/XX/2021 to pay off the loan. I checked my credit reports and it did not reflect that it was paid of as of XX/XX/2021. Furthermore the bigger issue is that all my credit reports ALWAYS showed " Current and Pays as Agreed '' with no late marks at all. Now that I paid it off, Westlake has put on the account that I am currently 120-149 days past due and it has seriously damaged my credit. I contacted Westlake and spoke with a representative around XX/XX/XXXX or so and discussed this issue. He looked at the account and agreed it was an error. He said that they would correct it and it should take 5-7 days. Upon checking my credit reports again on XX/XX/XXXX, I see that the remarks still show that I am currently 120-149 days past due.It also says that I am 180 days past due and affected by a natural disaster.This is false reporting!!! ... ... It is not even reflecting that I paid the entire balance off more than a month ago. When I reached out on XX/XX/XXXX again, a different rep started talking about my payment defers that I have had. I indicated that those were payment deferrals and I was told that is not considered late. My credit report has ALWAYS shown on time with no payments over 31+ days. I expressed several times that the reporting needs to show PAID OFF IN FULL and the currently 120-149 days past due remarks to be removed. They try telling me they dont have a way to remove anything. That is incorrect, they are the agency responsible for reporting fair and accurate information. They are in violation of FDCPA and have damaged my credit.

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 2021-03-25 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: Io, Inc.
State: TX

Complaint narrative:
I mailed a written request to this company asking for further verification of the alleged debt they are reporting on my credit history. It has been almost 6 months since I submitted this request and I have not heard back from them. This is a direct violation of my consumer rights in accordance to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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:
Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: MS

Complaint narrative:
I SENT LETTERS TO THE CRA 'S ABOUT THE INACCURATE AND INCOMPLETE ACCOUNT THAT THEY ARE REPORTING AND REFUSED TO DELETE IT FROM MY CREDIT REPORT.I SENT XXXX ON XX/XX/2021, TRANSUNION ON XX/XX/2021, AND XXXX ON XXXX.IT HAS BEEN OVER 30 DAYS WITH NO RESPONSE WHICH IS A VIOLATION AND NEEDS TO BE DELETED.I HAVE ATTACHED COPIES OF THE LETTERS BELOW AS WELL.

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 2021-03-25 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: SC

Complaint narrative:
I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one is reporting that I owe them XXXX. On my credit report it reflects I have a balance of XXXX with capital one. I dont have a balance I have settled the account and Im attaching documents thats shows the balance and receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
I should not receive a bill from a debt collector on this account. I have been covered under Medicaid since 2018!! I have not received a letter from this agency to even be provided with a chance to dispute this account. This is now on my credit and if it is not removed immediately, I will seek litigation against this third party company as well as the physician 's group!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. 
You are reported totally different or missing information on my XXXX XXXX account. 
I attached copies of my annual credit reports of all major bureaus so you can find wrong information.

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 2021-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, a new collection account appeared on my credit report from Debt Recovery Services ( DRS ) - original creditor was a pay day loan from XXXX XXXX in the amount of {$350.00}. See page 1 of my proof document a page taken from my XX/XX/XXXXcredit report. 

On XX/XX/XXXX I mailed a check in the amount of {$350.00} to DRS as full payment for the debt. This check cleared my bank, XXXX XXXX XXXX, on XX/XX/XXXX as evidence by DRS deposit stamp on back of the check and the amount being debited from my account. See page 2 of my proof document. 

After several calls to DRS the week of XX/XX/XXXX, XXXX, and XXXX, DRS still says it has no record of my payment. After filing a dispute with XXXX and XXXX, DRS still indicates that I owe the debt. See page 3 of my proof document which shows the results of my dispute. 

I have provided proof to DRS and to the two major credit reporting agencies and DRS will not acknowledge that they cashed my check, collected the funds, and will not modify my credit report. This is WRONG, it is criminal and they should be held accountable for violations of the FCRA. This is a clear violation of the act since I have undisputed documented proof that this debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I paid off a loan over four years ago with Mariner Finance. It recently showed up on my credit as a collection in XX/XX/2021. I contacted the company and they investigated and saw that I did in fact pay it off and said it wasn't processed correctly on their end and that they would take care of the matter. It is still showing on my report with a balance and a collections account negatively affecting me and am now unable to buy my house because of this. I would love to have this removed from a collections standpoint as this should have never been added to my report recently under a collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Im not sure what the collection is even for. The company calls and asks me for personal information before giving me details of my debt. However, I keep track of any bills I owe, so this was strange to me. I told them I would not give them personal information over the phone. The clarified that they had all my information, they just needed to confirm my identity. So, I asked for them to send me a letter with the debt, and then I can prove legitimacy. In todays world its hard to tell what is a scam. Plus, when they call, my phone blocks the number as scam likely so I have no idea the actual number they are calling from.

They refused to send a letter and have since called me anywhere from 3-5 times every day, Monday - Saturday, for the past year. I will ignore the call and they will call back immediately. Sometimes itll take them hours, other times just minutes. However, they always call back. 

Ive spoken to multiple people and told them I will not give out person information to a creditor that will not verify information nor send me a letter of my so called debt, as I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was notified by XXXX Credit monitoring, that Citibank NA did a hard inquiry on my credit on XX/XX/2021 without my consent.

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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MO

Complaint narrative:
they added an electric bill on my account and it was paid as agreed back in 2018 and it was removeds from my credit and the current collection i paid and they removed it and just the other day it was back on there with a new debt buyer..SO PLEASE DELETE THIS IMMEDIATELY!!!!!!!!!!!!!

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 2021-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
In 2017, I realized I was in the wrong repayment plan, I had spoke with Fed loan to get on the right repayment plan and they told me I needed to consolidate my loans in order to get in the program. I just found out that my prior eligible employment won't count because this was prior to consolidation. All of my loans were direct subsidized and unsubsidized and did not need to be consolidated. I lost six years of eligible work and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
For years I had no idea who had my student loan. I noticed a garnishment of {$520.00} on my paycheck and learned that my loan was with Pioneer Credit Recovery. I reached out to them to set up a payment plan and stop the garnishment. The woman I spoke with wasn't rude however she did talk about 100mph and I felt like she was trying get me committed to some payment plan that I wasn't fully understanding. They spoke to me in circles when I tried to gain some clarity of what she was " offering '' to me. However they were going to take my initial concern of {$520.00} and add a " payment plan '' to it. So by trying to get some resolution to my debt, I was going to incur more loss. 

I was under the impression that due to Covid, we were being offered more favorable options where this was concerned. In all honesty, I felt like I was violated after this call.

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 2021-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
CREDIT ACCEPTANCE CORPOR has placed this on my credit and I have tried to dispute the amount with my loan officer ( XXXX XXXX ). After we sent a request to XXXX  the balance, they state I owe {$9200.00} when the high balance was {$5300.00}. Also, they sold the car in an auction thus collecting income and still saying I owe {$9200.00}. I feel they have improperly charged me, not reporting the accurate amount in hopes of me paying more than I owe which violates the Fair Credit Reporting Act, and possibly the Fair Debt Collection Practices Act.

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 2021-03-25 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 — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
This is not my debt!! This is due to Identity Theft, I have already contacted this agency several times to remove this account from all three credit bureaus as well as cease and desist all collection efforts. I plan to seek litigation against this agency as well as the creditor due to the effect this has on my credit and will seek punitive damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
I contacted Receivables Performance Management ( RPM ) escalation dept. on XXXX XX/XX/XXXX to resolve this claim. I submitted the account number which was filed with XXXX  and explained this was not my account. I contacted XXXX billing to have this account removed from my name on XXXX XX/XX/XXXX. I also filed a complaint with CFPD to have this removed from my credit report. 
RPM responded that they do not have an account with my name under their customer XXXX, yet the will not remove this collection claim from my credit report. 
Below is a screen shot of their claim on my credit report : General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name RECEIVABLES PERFORMANCE Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$600.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$600.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX has not provided any information to me, as required by law, that would allow me to understand the nature of this claim. I have not been provided any statement of validity or details surrounding this claim. 
I do not have any past due accounts with XXXX, I do not have any accounts with 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 2021-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I tried to secure an IRRRL refi with Penfed ( Pentagon Federal ) and they just strung me along. Instead of telling me from the outset that they didn't do refi 's under {$100000.00}, they made a fool of me. I don't think they want to make 30 year mortgage loans to XXXX veterans who are older. I'm XXXX and I feel I was discriminated against. I've been working on this for a month and a half and I even got a replacement Social Security card to satisfy them. I received a denial in the mail, yesterday. You can't contact these people by phone. The loan # XXXX and my Penfed # XXXX. The loan officer who never returned my calls is : XXXX. The COO who never returned my e-mail is : XXXX The EVP/President Mortgage is : XXXX I also plan to file a complaint with the Texas State 's Attorney over age discrimination against a XXXX veteran.

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 2021-03-25 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing in regard to the above referenced accounts and transactions. I have continued to call and write to the companies and the credit bureaus about my credit report. I do not get responses from no one. XX/XX/XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} XX/XX/XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} I have contacted the creditors and the bureaus in hopes of getting this matter resolved. They have not responded to any of my request via phone or in writting.

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 2021-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On Experian and XXXX  it reporting different information. The following accounts I have did my due diligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating

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 2021-03-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

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