vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Nissan said that it was not on my credit report but it is. I gave the car back when if fell into financial trouble and could no long afford the car. Nissan stated that I was not the only one to have ever fell into financial problems and had to give the car back. It was ok and they got the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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:
Information on my credit report that are not my items are listed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: NY

Complaint narrative:
Information on my credit report that are not my items are listed

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 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
XXXX XXXX  XXXX Mariner Finance called my place of employment in attempts to collect a debt they say I owed. A coworker answered the phone. I was not available and my co- worker asked if she could take a message, the representative from XXXX XXXX XXXX Mariner Finance then asked my co -worker if I was still employed, to which my co-worker replied " that's an odd question '' ( because she had no idea the nature of the call. ) My co-worker asked if she had tried to reach me on my cell and the rep said " Yes, I am in the same business she is in, so that's probably why she's avoiding my call. '' That comment was completely unacceptable and a direct violation of my privacy in respect to FDCPA 's Title 15 Section 1962 c, by " revealing or discussing the nature of debts with third parties ( other than the  consumer 's spouse or attorney. )

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 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I was interested in and provided a personal loan through XXXX  XXXX to consolidate bills. The loan with XXXX  XXXX was finalized and the money was in my account on XX/XX/2019. On XX/XX/2019 an deposit was made to my account from Lending Club in the amount of {$9400.00} via XXXX. 

Not sure who to speak with I contacted XXXX XXXX to make sure my loan was in place and not compromised. I explained what happened and they stated " check into Lending Club ''. My research into Lending Club deeply concerned me. I contacted Lending Club who confirmed they did issue me a loan. I confronted them with the fact I did NOT authorize a loan with them and demanded they withdrawal the money. They commented that " oh you want to cancel the loan '' to which I responded " I never authorized you to complete a loan. '' My concern is I NEVER authorized t hem to complete this loan. It seems unlawful to initiate a loan with no authorization. I did NOT sign a contract. 

As of this date, I received an email that a withdrawal in the amount of {$9400.00} is in progress. I want any money taken by Lending Club for fees involved in their issuance of this supposed loan to be reimbursed to me. A deposit of {$9400.00} seems like an odd amount and my guess is the original loan paperwork probably reflect an amount of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: LA

Complaint narrative:
have contacted credit bureaus on numerious

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 2019-10-03 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-10-03 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: MS

Complaint narrative:
I have sent several letters to Equifax, XXXX and XXXX about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
RESURGENT/LVNV FUNDING LLC - $ {$2400.00} First Reported XXXX Original Creditor-XXXX XXXX. 
Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, SC XXXX THIS DEBT COLLECTION AGENCY IS REPORTING AN ACCOUNT THAT WAS OPENED BY SOMEONE FRAUDULENTLY. 
ACCOUNT WAS ALREADY DISPUTED WITH ORIGINAL CREDITOR XXXX XXXX  AND THEY AGREED TO REMOVE AND INFORM THE CREDIT BUREAUS. AFTER SEVERAL DISPUTE ATTEMPTS MADE ONLY XXXX  IS STILL SHOWING THIS ACCOUNT ON MY REPORT AND ITS AFFECTING MY FINANCIAL NEEDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
My home loan was sold to Loancare LLC in XXXX of 2019. My outstanding balance from my previous mortgage company was {$240000.00}. When it transferred to Loancare and after the account had been settled with my previous mortgage servicing company, Loancare has my outstanding balance at {$240000.00}. I have created a help ticket in XXXX with no resolution and I have followed up at least twice a week with no sign of resolution. I have requested supervisor/manager call backs and the call back percentage from my experience is approx 20 %. When a manager has called me back there is no resolution and little desire to correct or research the issue. This company needs to be corrected ASAP before other consumers are affected. I have not personally made a mortgage payment beyond what my previous mortgage servicing company have settled as I do not trust Loancare LLC. I have requested credit suppression and a call back from a manager which also has not happened. At this point I am considering refinancing yet again to do business with a reputable and trustworthy company that will own my mortgage for the life of the loan.

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 2019-10-03 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-10-03 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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
From XX/XX/XXXX through present day I have not missed or been late with a mortgage payment. In XX/XX/XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ). In the confusion created by this transaction, payments were mis-applied by me to the XXXX account rather than to the new SLS account. The mis-applied payments were refunded to me, but in the mean time this caused my SLS account to become delinquent. Once I became aware of the situation I promptly paid what was due to SLS. I also informed SLS of the issue and I thought the problem had been resolved. Now my credit report is showing an adverse account and my credit score is 100 points lower than it should be. 
As I said before I have always made my payments in full and on time. But for the XXXX sale of my loan to SLS and the ensuing confusion, I would not have become delinquent on this account. I have spoken with SLS and explained the situation. Their response is that they are unwilling to take any action on this matter because they " don't have to ''.

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 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint is in regards to my Walmart credit card account with Synchrony Bank. When I spoke to a customer service agent on XX/XX/2019 in regards to my partial past due account balance explaining to the agent I was not working and unable to make the full payment being that I had a reduced income at the time due to having to take care of my mother. I understand I have an obligation to pay my debt but when a customer such as me who was struggling with circumstances beyond my control, I was not once offered any credit card hardship program/assistance from this bank to whom I have made every attempt to pay on my balance every single month. Neither did this agent explain to me what would happen if I did not make a full payment or how my credit could be impacted if there were no other options. As a customer I dont feel like I was informed enough to possibly get assistance with my account while going through a financial crisis and I feel this is very unfair because financial emergencies, setbacks and major life changes can come at you quickly, making it difficult to meet monthly financial obligations like credit card payments. I am not pleased with services from this bank and how this has now impacted my credit/credit score.

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 2019-10-03 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: TN

Complaint narrative:
Experian is reporting incorrectly collections/charge-offs on the XXXX XXXX XXXX account numbers : Account Number Experian Amount XXXX {$750.00} XXXX {$430.00} XXXX {$650.00} XXXX {$650.00} XXXX {$740.00} XXXX {$340.00} XXXX {$310.00} XXXX {$340.00} XXXX {$430.00} ( Please see pages 6, 7, 8, 9, 10 and 11 of the attached credit report. ) These accounts do not belong to me. I do not know who XXXX XXXX XXXX is. These line items clearly have been added to my credit report in error and these line items need to be removed immediately. This incorrect reporting of collections/charge-offs is seriously harming my credit score. I have contacted the bureau to remove these items however, I have not been successful.

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 2019-10-03 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: MS

Complaint narrative:
I have sent several letters to XXXX, XXXX  and Transunion about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.

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 2019-10-03 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: MS

Complaint narrative:
I have sent several letters to XXXX, Experian and XXXX about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.

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 2019-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I purchased a car and CPS ( Consumer Portfolio Service ) XX/XX/XXXX. Terms of the contract 20.45 % for 60 months. Amount financed was {$13000.00}. I deferred possibly 4 payments. As of today {$9200.00} as of today. Which I believes is not possible.. Payments total {$14000.00}, amount applied to principle - {$4100.00}. Amount applied to interest - {$10000.00}. 3 payments aren't even showing on her account ( XX/XX/XXXX, XX/XX/XXXX & XXXX ) but had to be applied to interest. as it isn't until XX/XX/XXXX does anything get applied to principle. I also sent me an amortization schedule showing how the payments should have been applied. I have reached out the company multiple times and they are stating that my contract states that 5.19 % interest per day is to be applied daily but there is nothing in my contract to stated that and my loan is 60 mths and its being reported as an 53 month loan and XXXX shows I havent made a payment at all in XXXX and half of XXXX and showing on the company website as an 7 year loan. I have reached out via chat multiple times and today I was told that I had to call in to speak to a supervisor and I stated why i have spoken to supervisors several times via chat and the rep XXXX stated oh I thought you wanted to call them and then she disconnected my chat. I have reached out to the car dealership where I purchased this vehicle and they are stating that per my contract I signed is for 60 mths at {$350.00} per month nothing about interest being charged per day. I have all my documents and CPS keeps stating that they are going to do an audit. I pulled them up on the better business bureau and there is multiple complaints like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My complaint is with Equifax. I have numerous times tried to access my information thru there website only to be referred to an XXXX number that is automated and ask you a series of identifying question. To only then still be denied information. I have had an account with XXXX for months now it is now paid in full. They report to all 3 credit bureaus. But it is not on my Equifax nor has my credit score changed in 3 or 4 months now eventhough it does show that there were credit inquiries made. I feel like the drop the ball on accuracy of information and consumers are being penalized for there negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX - $ {$2400.00} First Reported XX/XX/2019 Original Creditor-CITIBANK N.A. 
Phone Number ( XXXX ) XXXX AddressXXXX XXXX   XXXX XXXX, SC XXXX THIS DEBT COLLECTION AGENCY IS REPORTING AN ACCOUNT THAT WAS OPENED BY SOMEONE FRAUDULENTLY. 
ACCOUNT WAS ALREADY DISPUTED WITH ORIGINAL CREDITOR CITI BANK AND THEY AGREED TO REMOVE AND INFORM THE CREDIT BUREAUS. AFTER SEVERAL DISPUTE ATTEMPTS MADE ONLY XXXX IS STILL SHOWING THIS ACCOUNT ON MY REPORT AND ITS AFFECTING MY FINANCIAL NEEDS.

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 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My dispute is based on the requirements listed in the Fair Credit Reporting ACT Section 605 paragraph ( a ) section ( 4 ), ( 5 ) and paragraph ( c ) section ( 1 ) and ( 2 ). 

Credit Bank of America is in violation of said ACT by continued reporting of said debt, BANK OF AMERICA # XXXX. 

Although the debt was satisfied on XX/XX/XXXX, the account went into collections in XXXX of XXXX and was more than 90 days delinquent at that time. Accordingly, the FCRA states that adverse accounts may not be reported after 7 years since the account first  became seriously delinquent. 

I disputed the account with all 3 of the major credit bureaus and Bank of America. Instead of requesting that the bureaus remove this account, Bank of America continues to refresh the account by modifying the maximum delinquency date, thus keeping the account on the credit bureau 's reporting system. 

As you can clearly see in the attached credit report, the date of maximum delinquency for this account in XXXX of XXXX, is 120 days. This more than satisfies the requirement to fully remove this account from all 3 credit reporting agencies.

Furthermore, the presence of satisfied debt is affecting my ability to obtain satisfactory loan rates and potential employment opportunities.

Bank of America is in violation of the FCRA and I am demanding that they ( 1 ) request that all 3 major credit reporting bureaus remove the account from their systems and ( 2 ) immediately stop refreshing the account data.

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 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT

Complaint narrative:
I purchased a new XXXX XXXX through XXXX. They use Citizens One bank for installment loans over 24 months. I called before applying for the loan and asked if I could pay a lump sum payment at the beginning of the loan to lower the payments through the life of the loan and was told that I could. They had to have the loan first in order for me to do this. I then called in today to make the lump sum payment to bring the monthly payment from {$43.00} to {$30.00}. They informed me that they can not do this. They said my payment is fixed and that they don't offer this. I informed them of the previous call that I had had with them and they said that it was unfortunate that I was given wrong information but that they would do nothing. I told them that I would not have purchased the phone had I had all the correct information and they did not seem to care. The seems like an illegal lending practice to advertise loan terms before a purchase is made and then change them after it is done. They told me they will be looking for a copy of the first call that I made but told me that even if I am right nothing will change. Literally all I want to do is pay them money to make the payment more affordable and they told me that I could do this before the loan was initiated.

Company response to consumer: Closed with explanation