vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. I am a XXXX XXXX too, in case i want to put XXXX  for the collection I am always mail them certified green mail card which must be signed by the XXXX. Then i am allowed to put XXXX  for collection because i have received proof that the XXXX  received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on Equifax , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc. 1. The reason is it has to be removed from XXXX, Equifax and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance. 2. XXXX, Equifax and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: MD

Complaint narrative:
I have fully paid off a collection account to have tagline removed. All but experian has remove the account. They have not update the balance or removed the account.

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 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Loan Servicer states the following on XX/XX/2021 communication to Borrower : " Unfortunately, the account is ineligible for one of more resolution options or it is ineligible for the option you selected on the RMA. '' Borrower Complaint : No details provided of why account is not eligible for assistance. 
No details given of which resolution options Borrower is eligible for. 
Law requires that loan servicer review loss mitigation for all options available to Borrower.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Dear Equifax, According to the Fair Credit Reporting Section XXXX ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. However, you did not provide proper verification the last time I requested this verification. You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. 

Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card P Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AK

Complaint narrative:
in XXXX of 2021 I received a tax exemption on my property taxes. In XXXX of 2021 I sent a copy of the exemption to Loan Depot and requested an escrow account review. They told me they couldn't do that without knowing an amount. My Borough sent them a letter stating I received an exemption. nothing happened and they were not interested in correcting my over payment to escrow. 

On XXXX XX/XX/2021 I sent them my new tax bill which showed my taxes for XXXX to be {$170.00} for the year. ( my exemption is for {$210000.00} in assed value ) I requested an escrow review and then I received notice that my payment was going up because I supposedly had a shortage in my escrow account. I contacted them again repeatedly. I asked to speak with a supervisor and they told me one would call to day but have not heard from anyone. When I call and ask for a supervisor i am told one will call me but no one does. 

I can't get through to these people that i am overpaying into my escrow and i have an overage in there not a shortage. they dont seem to care and want my money so they can use it to fund other loans. they pride themselves in good customer service but i have received the worst customer service ever in my entire life and nothing seems to get through to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
{$9400.00} XXXX, XXXX XXXX. XXXX XXXX {$4000.00} XXXX {$1000.00} XXXX {$2300.00} XXXX PORTFOLIO RECOV ASSOC . Try to solve with them, no help. These collection agencies are altering the dates on the accounts, so it never goes away from my credit report.This is affecting my family welfare directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
Dear Sirs, I have recently disputed an item on my credit report, I lost the dispute. It always seems that the agency reporting has the upper hand, as we the consumer have a very limited opportunity to explain the reason of the dispute. 
In XXXX, XXXX .... ( estimated date ), I did attend XXXX University. I was receiving financial aid. I did eventually drop out with notice to XXXX. Here is the issue to the best of my knowledge, unless they can tell me more specifically about the amount owed. 
I was approximently half way through my XXXX courses to complete my XXXX. I had taken the required accounting class and was on track to pass it with a very high 3 point grade average. By the way, If I am not mistaken, I was at a 4.0 throughout my classes, or very close. Due to unforeseen circumstances, I had to drop the class with only about a week or so of completion. That said, I do believe financial aid would not have been applied for that one class. As I was able to return to classes, my next course was a marketing  class. I was going to have to repeat the accounting class at a later date. I had taken one marketing  class, then decided to drop out of that class, and pretty much give up on my XXXX, at least at that time. XXXX had the policy as you can drop after so many weeks and not be charged for that class, which should have applied for the marketing  class. 
That being said, I do believe that I should be responsible for one class, that being the accounting class. How can one class have an original value of {$7700.00}. Now valued at {$10000.00}. I find that very hard to believe as well as understand. 

I would like this resolved, as well as removed from my credit report. I do not believe there is any validity to their claim. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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:
Ex husband married woman with same name as me, spelled differently ( XXXX  ) and different middle initial ( XXXX  ). Collection agencies are sending her notices to my new address, having changed the spelling of her first name to mine. They are also calling me, even though my phone is not listed nor has it ever been under my name. I dont understand how they got it. I am remarried with a new last name. I do not want her debts to be attached to my name, or worse, to my new husband. My old and new last names are connected to her on many people search sites as well. This is very frightening ; it causes me much stress. 
Also, I have not been able to reach an actual live person at any credit reporting agency to get answers to my situation. 

Any help would be greatly, greatly appreciated Thank you XXXX XXXX XXXX Her present info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX dob XX/XX/1956 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 non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I took out a loan in 2006 and have paid over {$18000.00} on a loan disbursement of {$10000.00}. They just notified me of another payment adjustment ( unknown why, none of the reasons fit my situation ), but on the notice they state total repayment is {$17000.00}, which I have exceeded. Their site shows total interest paid of almost {$13000.00}, but my balance is still higher than original distribution of {$10000.00}. They can not provide me a thorough accounting of payments and my payment history online indicates principal paid of {$5700.00} and loan term of 120 months. Have paid on this loan for 10 years this year. The accounting seems 100 % fraudulent. This demands a thorough investigation and consumer protection to provide how my most recent notice of payment change still shows I owe another 114 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit account is frozen and it won't let me unfreeze my account. I try to unfreeze but it says to call office. When I call it won't let me talk to Representative 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 non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had a credit card dispute with XXXX XXXX XXXX XXXXXXXX XXXX. in XXXX. XXXX XXXX charged off the debt and sold it to a third party. No communication/no payments have been made by me regarding this debt ... and it should have been deleted from my record ( amount {$2200.00} ) some two and a half years ago. 

Recently, a SECOND third party debt purchaser, PORTFOLIO RECOVERY ASSOCIATES, purchased the account on XX/XX/XXXX and has made attempts to collect. 

I called the original creditor, XXXX XXXX XXXX XXXX XXXX. and asked for the ORIGINAL date they sold my debt to a third party. They refused and attempted to get me to call the new company assigned to the debt. I want no communication with the company so I called XXXX  and opened a case regarding fraudulent activity on my credit report. ( XXXX  Report Number is available ). XXXX  Fraud Agent, XXXX, ensured the company would contact both XXXX XXXX XXXX  and Portfolio Recovery, requesting my usage/activity as well as the ORIGINAL date XXXX  XXXX discharged the debt. 

XXXX  contacted me XX/XX/XXXX after ONLY contacting PORTFOLIO RECOVERY who generated the activity they reported since their purchase on XX/XX/XXXX. 

Personally, I've had only XXXX XXXX  card for the past nine years. By demanding the charge off date from XXXX XXXX XXXX XXXXXXXX XXXX, you will see how long the account has been on my account. XXXX  basically didn't do their job and the fraudulent account remains a blemish on my credit score.

In summary, if I could have access to XXXX XXXX XXXX XXXX XXXX and the date they charged off my account, it would prove PORTFOLIO RECOVERY ASSOCIATES purchase of the account on XX/XX/XXXX is fraudulent, being the account is well past seven years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is problematic. Dipsuted information still has no been removed, they refuse to provide credit score and report unless you pay ... which I did and still can't get resolution. XXXX/XXXX  is not a valid debt. XXXX has sent me validation of cancelation of policy, emails, proof of credit they owe me and STILL it is not removed as derogatory on my report. They also refuse to remove other accounts over 8 years old after many attempts and disputes. I'm sick of it. Fix this!! 

XXXX  needs to remove this items. 

XXXX  needs to confirm they have removed them.

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 2021-08-03 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: LA

Complaint narrative:
There is a small debt on my credit report that I did not make. I do not even have an XXXX XXXX. I called and talked with XXXX and they agreed that it was fraud and credited the debt. This is still showing up on my report and my score dropped over 60 points because of this XXXX. I want this debt and this negative credit rating removed immediately from my account!

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 2021-08-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello - I really need your help on this. I mailed letters to Equifax, XXXX  and XXXX  on XX/XX/2021, specifically about inaccurate and unverifiable items on reporting on my credit report. I understand Covid 19 has delayed many, while short staffing others, but it has been well over 45 days and I have not received a response validating the inaccurate and unverifiable items. I was told the burden of proof is on the data furnisher so please help me get the proof to their claims. Not that familiar with the law, but I did see section 611 in the fcra, it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these accounts MUST be deleted immediately, especially without merit or validation. I demand these accounts be deleted immediately or undated accordingly. If not, I will explore all legal options, I not limited to litigation due to the mental stress this is causing me and my family. 

I would like the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Thanks for your assistance and take care duiring Covid 19!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello my name is XXXX XXXX Capital One restricted my account due to receiving a check from XXXX XXXX. The account has been restricted since XXXX XXXX. They took my direct deposit and XXXX excess away. They also misinformed me information on my account. I was told I can not receive any written or email correspondence as to why my account is being restricted. The loan was approved in my social security number yet Ive been told it was in a ein number and it does dont match. I spoke with the lender and the lender clearly stated that there is no issue on there end and capital one has no right to hold the funds. Capital one stated they will refund the funds but failed to do so. Capital one representatives are very rude and obnoxious. I would like legal action against them for I been a loyal customer to them since XX/XX/XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My original loan balance was {$14000.00}. On XX/XX/2021, I made a payment of {$3000.00} to Mohela, so my current loan balance must be {$14000.00} - {$3000.00} = {$11000.00}. But as of right now, the current loan balance shows the incorrect amount of {$13000.00}, instead of {$11000.00} ( {$11000.00} is the correct loan balance after my payment of {$3000.00} ). The unresolved problem is that my entire payment has not been applied to my loan balance and {$1800.00} is missing. 

On XX/XX/2021 and XX/XX/2021, I contacted Mohela about the incorrect loan balance and the missing {$1800.00}, but Mohela refused to resolve this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I had put my car in a transmission shop since my vehicle has had a problem since I got it I was told they were going to fix it they gave me rentals told me they will wait 30 days to get parts to have there mechanic fix it and once those days were over they told me they were not fixing it so here I am I took the step to take my vehicle to a transmission shop to get that fix upon myself the mechanic did not fix my vehicle it came back worse and he lied stating he would do payment plans he ended up wanting all the money so I had my bank pick it up I paid my bank that I finance thru XXXX to get car back and now it doesnt even drive I then called the bank they told me they were not responsible for that they just picked up the vehicle to help me so I then called the auto shop the manager said I could bring back the car so he could fix it because I had warranty I then told him okay thats fine he told me he was gon na tow it back to his shop to fix it that being said he never came to get it there for Im without a car and Im in the process of about to have to let my job go as well I just want my car fixed

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