vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: MD

Complaint narrative:
Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( Equifax, XXXX, XXXX, XXXX ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( Myself/XXXX XXXX ) had concluded, the changes were being done from the four credit bureaus that I previously listed. For instance, attached is a screenshot from our XXXX  XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the XXXX account is only showing the current payments. These are also radical differences between the other bureaus as well. And for the XXXX, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to Equifax, but has gone up 1 point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not changed. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
XXXX21 sent e-mail to XXXX XXXX XXXX, Assistant Vice President, Branch Manager at First Midwest Bank as a follow-up to a visit with my Daughter a couple days earlier to add her to my checking account as a " signer only '' because of my Essential XXXX My account is titled in my Living Trust and I was told that the only way this could be done was for me to amend my Trust and make her a Co-Trustee. I told her I did not want to do this and did not understand why because my daughter was able to sign in this capacity with 3 prior banks where I had accounts. I was told she had nothing to do with those banks but she had talked to her Legal Office and this is what is required. In this same e-mail I asked her to clarify for me if her answer was based on information in my Living Trust ; First Midwest Bank Policy ; or State or Federal Regulations. Whichever one is correct may I have a copy. As of today XXXX21 I have not received any form of communication.

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 2021-04-12 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:
I have 1 fraud account listed on my credit report for XXXX XXXX. I have filed an Identity Theft Report which is attached to this complaint and the report number is XXXX Please see the attachment. I have also 11 fraudulent inquiries as well. XXXX XXXX, XXXX XXXX, XXXX - CARD SERVICE, XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX - CARD SERVICE, XXXX - CARD SERVICE, XXXX XXXX XXXX, XXXX XXXX, XXXX - CARD SERVICE and XXXX/XXXX Please remove the graudaccount and inquiries from my credit report immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
Im closing on a house. Sequium debt showed on credit report a day before closing. Sequium is trying to collect a debt for XXXX XXXX XXXX phone service that were fraudulent. Someone stole my identity and opened an account with different address, using my name. I Disputed debt with Sequium collection Agency and XXXX XXXX XXXX. Sequium asked me to send request through email for dispute since I never received notification of this debt ( fraudulent address used ). They have not responded, its been over a week. Mortgage company demanding debt to be paid before closing. So now my closing has been delayed 1 week and rate lock about to expire. Will cost me thousands of dollars to extend rate. Thankfully XXXX XXXX XXXX has recalled the debt from collection agency, realizing fraud. Sequium collection agency also admits verbally they can no longer locate the account, shows debt was recalled. The debt Still shows on credit report and Sequium says it can take up to 30 - 90 days to be removed from credit report but REFUSES to help me with some sort of letter simply stating any of these facts so that I may close on my home. Still no response through email either after repeated requests for any validation or invalidation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NV

Complaint narrative:
While checking my credit report, I notice an account from XXXX/XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX/XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this 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 2021-04-12 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: NV

Complaint narrative:
While checking my credit report, I notice an account from XXXX/XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXXXXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
This company keeps applying my payments wrong and I have done the math for my escrow balance and expect amounts for my taxes and insurance and they are over charging me for taxes and home owners insurance. I was a prior XXXX XXXX for the State of Missouri I know how mortgages work forwards and backwards and how loan payments are supposed to be applied. I can already tell that the people entering the mortgage payments for this company are not properly trained and are not following policies and procedures. Furthermore, this is the second complaint I filed with the CFPB about LoanCare in 3 month and this company didn't correct how they apply my payments they screwed it up again after " fixing '' their error to my account 2 months ago. This isn't rocket science you pay the the predetermined principal and interest then the remaining payment amount goes into escrow account. Train your employees!

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 2021-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I applied for Covid-19 relief plan to defer payments for a total of 6 months. 3 months into the plan, I got partially back to work and stretched to make payments again. 

I was told that the total on a loan modification would be ~ $ XXXX $ XXXXish that would get put at the end of the loan in a non-interest bearing note due at the last payment of the mortgage. 

I got all of the forms back, and the amount due on the loan is DOUBLE. I called to ask what's going on, and they had no information. I was not getting credit for payments that I already paid on. I also now can't see all the information in my account that I used to be able to see, including past payments and such. 

I asked for a supervisor, and was advised no one was around. I was also told there were extra fees being charged. I was NEVER told that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
My debt was transferred from Dept of Education to a private sector for debt collection. Under the current Cares Act and reformatory leniency, considering student debts I opted to take advantage. I was told a payment plant which would last 5 months before I'm out of default, and also, an option to pay {$99.00} for immediate opt-out of loan default. Upon calling this morning I was told that if I don't pay the full {$5000.00} that I wouldn't be able to remove the default, although it's been exempted in the Cares Act to help borrowers get back on foot for paying debt. This company is blatantly telling me they won't allow me to take advantage of this program. First I was told I'd have to wait 5months before I'm out of default although I'd be making payments and now I'm being told I have to pay the full {$5000.00} apart from any program to be cleared of student default. I would really like to start a process of getting my debt removed from this private business of the Dept of Education, which is Collections of XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nicholas Financial Inc.
State: KY

Complaint narrative:
I contacted Nicholas financial at XXXX to advise them I was not responsible for this debt. They are trying to make me pay for a car that I bought from XXXX XXXX in XXXX Kentucky in XXXX and had to return in XXXX due to financial difficulties, for less. They claimed to have sold the car and that I still owe roughly {$6000.00} for it, when originally I bought it for {$4000.00} plus tax and interest ( this is an estimate ). They never reported any payments to the credit bureau, however they have placed this erroneous debt on my credit report. I have called and have been told I can pay {$4000.00} but I did not owe that much when I asked them to pick up the vehicle because I lost my job. Ive been hung up on because I told them Id be reaching out to the XXXX ( who instructed me to reach out to the FTC. Please help me get this removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
I scheduled a payment on XX/XX/2021 to be processed on XX/XX/2021. I cancelled the payment but Continental Finance deducted it out of my bank account on XX/XX/2021. I have called on XX/XX/2021 to inquire as to why it was deducted if it was cancelled. The representative I spoke with said that they would have to verify it on a 3 way call to my bank that it was in fact deducted. I could not do that due to the bank being closed. So I called back on XX/XX/2021 and the representative did a 3 way call and was able to verify that it had been deducted. She asked me if I wanted my money refunded since I had canceled it or if I wanted it credited to my account. I told her that I wanted it credited to my XXXX account instead of my bank account. She sent an email to Client Services on XX/XX/2021 and told me it took 24 hours for it to update. I checked my account today XX/XX/2021 and it still has not been credited to my XXXX  account. Therefore, I called and spoke to customer service again and now they are telling me it takes 48 to 72 business hours instead of days. I think that is absolutely ridiculous and have never heard of anything like that.

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 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi A few weeks ago I filed a complaint with the CFPB. The complaint was about a charge on my credit card for XXXX XXXX. The airline did not hold up their itenirary and even charged my account beyond that without my authorization. 

Bank of America did not solve the dispute in my favor and gave me no recourse. Furthermore they did not properly file the dispute to begin with. Someone from Bank of America ( XXXX XXXX ) reached out to me on XX/XX/XXXX and asked me to call them. 
I have sent them 7 emails and have left 8 voicemails in the past 2 weeks with nothing being returned. I have also requested in email a time to speak with this Bank of America Representative. 

I am currently being charged fees on this and bank of america is not responding to me at all.

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 2021-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TN

Complaint narrative:
I believe PHEAA to be in violation of unfair credit reporting and collection tactics during the pandemic. My loans went into default at the onset of the pandemic despite me attempting to work out a payment plan with them. Not only did they continue to report that I was in collections but they reported that I was late as well thereby purposely and maliciously affecting my credit. If that wasn't bad enough they sent my account over to a collection agency and added a whopping XXXX, XXXX to my loan bringing my loan to XXXX from XXXX. I feel that this is unjust and malicious in nature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: ND

Complaint narrative:
In the process of applying for a loan for a hosue our mortgage company pointed out that there is a credit we have in claims with ACIMA credit in the amount of XXXX. We told them to dispute due to knowing this was not me that took this loan or lease. I have since contacted the local police and filed a police reprot as well as have been working with ACIMA credit to try and clear up. According to ACIMA the loan or lease was taken out with them XX/XX/XXXX for {$3900.00}. We have also disputed with my wells fargo account four payments that they have tried to pull from my account ( XXXX, and XX/XX/XXXX ). The current debt owed on the account is XXXX when talking to ACIMA. The account number with ACIMA credit is XXXX. ACIMA will not release any information about the loan other than amounts and dates as of right now. I did not aply for any loans with this comapany and in fact never heard of this company until we started seeing payments being pulled from my bank account as well as when I saw on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I reported that I was a victim of identity theft and car XXXX. The preps used my phone and debit card to access my accounts. 

They transferred a little over XXXX to a made up cash app account. They also used XXXX XXXX and pay pal to transfer money. I filed a police, FBI, and FTC reports to help my bank understand it wasn't me accessing my bank. So far pay pal has refunded me my money. While cash app and XXXX XXXX both have verified it wasn't me drafting my accounts. 

I feel my integrity is being attacked when it wasn't me. My monthly spending also proves I have never made transactions like this. 

I have a fraud number from western union that can be given to USAA also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: FL

Complaint narrative:
The Department of Education still has incorrect information on my credit report. I have reached out to Transunion and XXXX  about the incorrect information. All of my student loans have been consolidated. They are in forbearance. That is what my balance history should reflect also.

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 2021-04-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Department of Education still has incorrect information on my credit report. I have reached out to XXXX  and Experian about the incorrect information. All of my student loans have been consolidated. They are in forbearance. That is what my balance history should reflect also.

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 2021-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
The credit card company is XXXX and it was started in XX/XX/2017 and charged off XX/XX/2017. When i checked my credit report i noticed it was there. I never applied for this card and the social security number is wrong but it is showing up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
on XXXX2021 i sent a certified mail to this agency to validate this debt, they failed to do so. 
violation under 15 USC 1692g. its been over 30 days and since i am the original creditor and i do not validate this debt or have any signed contract of my signature that this alleged debt in fact exists. I want this account to be removed from my credit report.

Company response to consumer: Closed with explanation