vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX  was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order 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 2021-11-04 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: Village Capital & Investment LLC
State: CA

Complaint narrative:
My lender Village Capital accidentally transferred my mortgage to another servicer and reported it to XXXX. This caused the account to reflect as closed with a remark which in turn caused my credit to go down XXXX points. 
I reached out and on XXXX they advised the account was not closed and it would be corrected in 30-45 days. 
There was a correction made on the report, I got XXXX points back later that day. However, on XXXX, the score went down XXXX points due to a balance decrease, account closed and another remark. On XX/XX/XXXX, the score went down another XXXX points for a balance increase. My score is now decreased by XXXX points total. Even more than the first time they made a mistake. I have reached out by email, the only way to contact the credit department, about 3-4 times and have not heard back at all. Its about to be 45 days and the matter has gotten worse. I received a letter by mail from the other servicer who the account was transferred to advising it was a mistake and the account was sent back to Village Capital. They has the decency to reach out to me. village capital has not reached or corrected the matter. 
I worked hard on bettering my credit to purchase another home. 
Now one mortgage company has thrown it all away for me when my account with them now is in GREAT standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: SC

Complaint narrative:
XXXX XXXX XXXX Is practicing Unfair means to collect a debt. XXXX XXXX XXXX is using two different accounts to numbers on my credit reports. 
XXXX has different account number than XXXX and TransUnion. 

This is clearly inaccurate report. XXXX XXXX XXXX is violating several laws 15 USC 1692F A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 

( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

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 2021-11-05 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: SC

Complaint narrative:
XXXX XXXX XXXX Is practicing Unfair means to collect a debt. XXXX XXXX XXXX is using two different accounts to numbers on my credit reports. 
XXXX has different account number than Experian and XXXX. 

This is clearly inaccurate report. XXXX XXXX XXXX is violating several laws 15 USC

1692F A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 

( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

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 2021-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC
State: MT

Complaint narrative:
I needed money for license plates and tires so a first i tried to borrow {$1500.00} but cpouldnt affor {$300.00} a month payments so i went with borrowing {$500.00} with an interest rate of 243 % i later found that you cant loan over 36 % in Montana. Also that payday loans are illegal here. The man on the other of the phone said it was 7 %. I have tried to call with no answers. 
This was msupposed to be a monthly loan or i would have noticed XXXX payments instead of XXXX in the installment page online. 
they made no mention of payday loan but the AG office said that is what i have gotten into. 
I needed the money and they took advantage of that and totally decieved me through the whole process. 
am taking steps with the AG here in Montana

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper has bought my mortgage loan as of XX/XX/2021. I have a closing date of XX/XX/2021 for the property I have the mortgage with. As of XX/XX/2021, I and my real estate lawyer have called both the original loan at XXXX XXXX XXXX and Mr. Cooper, and both banks are unable to provide me with a payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: NY

Complaint narrative:
XX/XX/2020 To Whom it may concern, I was trying to pay XXXX  XXXX XXXX  with an online check from my XXXX account using my account number and routing number I found on my account page with XXXX in the first week of XX/XX/2020. I entered my XXXX information on my XXXX  XXXX account page to pay the {$30.00} bill That was due on XX/XX/XXXX. As the enclosed letter explains the routing/account numbers from XXXX were only for deposit. Hence XXXX XXXX XXXX  closed my account for this error. Not being able to use the card made me call them to inquire why. They told me my bank kicked it back to them and that I need to pay the minimum of {$30.00} before XX/XX/XXXX. I was informed at that they needed a letter from my bank stating the reason for the online nonpayment within 30 days. I said ok and paid the {$30.00} and then was told my next payment was due XX/XX/XXXX, also got hit with a {$25.00} returned check fee? I got the letter from XXXX and mailed it USPS to their XXXX XXXX XXXX XXXX XXXX Which I found very strange. Called them at least twice after 10 days and they said it was never received and then emailed me a email address to send it to. I attached the letter from XXXX and sent it to XXXX XXXX XXXX. Meanwhile my account was still closed. Called them before or on XX/XX/XXXX to pay the {$30.00} which I did and was informed that they had neither the USPS letter nor the attachment email I also sent. I was informed that my account was still closed but my next payment was on XX/XX/2020. I was not told they wanted the entire amount paid in full. Called them XX/XX/XXXX to find out what was going on and was informed the account was charged off. I told them I was told my next payment was on XX/XX/XXXX and was then told I was supposed to pay the entire amount on XX/XX/XXXX. So I paid the balance to their internal debt collector? I spoke to many different bank agents over the two or so months and never really talked to anyone in authority. Even the second-tier agents were reading canned messages off the computer screen. Please remove the charge off and negative

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2020 To Whom it may concern, I was trying to pay XXXX  XXXX XXXX  with an online check from my XXXX account using my account number and routing number I found on my account page with XXXX in the first week of XX/XX/2020. I entered my XXXX information on my XXXX  XXXX account page to pay the {$30.00} bill That was due on XX/XX/XXXX. As the enclosed letter explains the routing/account numbers from XXXX were only for deposit. Hence XXXX XXXX XXXX  closed my account for this error. Not being able to use the card made me call them to inquire why. They told me my bank kicked it back to them and that I need to pay the minimum of {$30.00} before XX/XX/XXXX. I was informed at that they needed a letter from my bank stating the reason for the online nonpayment within 30 days. I said ok and paid the {$30.00} and then was told my next payment was due XX/XX/XXXX, also got hit with a {$25.00} returned check fee? I got the letter from XXXX and mailed it USPS to their XXXX XXXX XXXX XXXX XXXX Which I found very strange. Called them at least twice after 10 days and they said it was never received and then emailed me a email address to send it to. I attached the letter from XXXX and sent it to XXXX XXXX XXXX. Meanwhile my account was still closed. Called them before or on XX/XX/XXXX to pay the {$30.00} which I did and was informed that they had neither the USPS letter nor the attachment email I also sent. I was informed that my account was still closed but my next payment was on XX/XX/2020. I was not told they wanted the entire amount paid in full. Called them XX/XX/XXXX to find out what was going on and was informed the account was charged off. I told them I was told my next payment was on XX/XX/XXXX and was then told I was supposed to pay the entire amount on XX/XX/XXXX. So I paid the balance to their internal debt collector? I spoke to many different bank agents over the two or so months and never really talked to anyone in authority. Even the second-tier agents were reading canned messages off the computer screen. Please remove the charge off and negative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: NY

Complaint narrative:
XX/XX/2020 To Whom it may concern, I was trying to pay XXXX  XXXX XXXX  with an online check from my XXXX account using my account number and routing number I found on my account page with XXXX in the first week of XX/XX/2020. I entered my XXXX information on my XXXX  XXXX account page to pay the {$30.00} bill That was due on XX/XX/XXXX. As the enclosed letter explains the routing/account numbers from XXXX were only for deposit. Hence XXXX XXXX XXXX  closed my account for this error. Not being able to use the card made me call them to inquire why. They told me my bank kicked it back to them and that I need to pay the minimum of {$30.00} before XX/XX/XXXX. I was informed at that they needed a letter from my bank stating the reason for the online nonpayment within 30 days. I said ok and paid the {$30.00} and then was told my next payment was due XX/XX/XXXX, also got hit with a {$25.00} returned check fee? I got the letter from XXXX and mailed it XXXX to their XXXX XXXX XXXX XXXX XXXX Which I found very strange. Called them at least twice after 10 days and they said it was never received and then emailed me a email address to send it to. I attached the letter from XXXX and sent it to XXXX XXXX XXXX. Meanwhile my account was still closed. Called them before or on XX/XX/XXXX to pay the {$30.00} which I did and was informed that they had neither the USPS letter nor the attachment email I also sent. I was informed that my account was still closed but my next payment was on XX/XX/2020. I was not told they wanted the entire amount paid in full. Called them XX/XX/XXXX to find out what was going on and was informed the account was charged off. I told them I was told my next payment was on XX/XX/XXXX and was then told I was supposed to pay the entire amount on XX/XX/XXXX. So I paid the balance to their internal debt collector? I spoke to many different bank agents over the two or so months and never really talked to anyone in authority. Even the second-tier agents were reading canned messages off the computer screen. Please remove the charge off and negative

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 2021-11-04 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: GA

Complaint narrative:
The said Chapter XXXX Bankruptcy was disputed several times for an Inaccurate case number, and I have filed a complaint against them recently, and they still have not done a valid investigation or deletion. I was told an item was removed from my Credit report on XX/XX/2021 by a TransUnion representative over the phone on a recorded line. Which happened to be the same day my dispute closed with the CFPB and they have done nothing but run me around in circles. I keep being told they Verified the Public record directly with the USBK Court XXXX Georgia and that ended up being not true. I have repeatedly asked for them to mail me proof and nothing. I will get the letter from the USBK Courthouse to show proof they did not verify this debt but if they were supposed to had deleted this account after the CFPB complaint then I want concrete proof of how they verified this debt mailed to me. Also TransUnion Representatives do nothing but read off a script, and tell me they can only go by what they see in their system, Not one time did they transfer me to anyone on their Investigative team so that I can directly verify how they did the investigation and at this point my rights under the FCRA has been violated several times and I DEMAND that Chapter XXXX Bankruptcy with inaccurate case number thats being reported be removed IMMEDIATELY! Or I would like to escalate the matter.

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 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AL

Complaint narrative:
BMO Bank send a fraud alert letter saying personal information was used to open a deposit account in my name.

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 2021-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. XXXX XXXX CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXXXXXXXXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation