vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-14 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: TX

Complaint narrative:
On XX/XX/2020 I mailed a format letter to Experian requesting that they PROVIDE me with all relevant information validating debt on the XXXX/XXXX  Account # XXXX being reported on my account. 

As of XX/XX/2020 I had not received the requested documentation validating the debt so I mailed another format letter out requesting this information. 

As of today XX/XX/2020, Experian has yet to provide the appropriate documentation validating this debt and therefore I request that this account be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Restriction from using my CapitalOne 360 debit MasterCard at a retail as a consumer. XXXX advise me to close my account by requesting the balance. They said my account was close. I ask them why was unemployment funds were deposit if it was closed? I ask them for what reason. The reason was because it was in the negative for a brief time.. I was unable to make transfers regularly from my XXXX XXXX account, have my employer XXXX XXXX direct deposit funds. The GDOL of Labor deposited unemployment to that account without me giving them that account info. After COVID-19 I input my Suntrust bank account for deposit of unemployment funds. I did use the 360 account due to  issue 's using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IA

Complaint narrative:
Contacted Fay Servicing in XXXX in an attempt to explore foreclosure alternatives. As of XX/XX/XXXX we had a short sale offer signed on the property and as of today they still have not approved or submitted our offer to the investor. They failed to hold foreclosure proceedings as we waited for them to submit the offer. All documentation requested has been provided day of. We have requested several times to postpone the sale due to another family attempting to buy the home and the services has been less than cooperative with us. As of today the foreclosure sale is set for next week with a full short sale package in their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MA

Complaint narrative:
I have been working with my lender continuously trying to get a resolution we continue to get the run around. I have sent several authorizations to the same fax number that they provided and clearly received because they were able to locate the documents before. 


Now they keep advising that they don't have it when I am receiving confirmation faxes that they have it. 


My counselor XXXX who was been helping for over 6 months trying to help me save my home from Amerihome has been advised several times now that they don't have documents or documents expire and its just a mess. 

I am a veteran trying to save my home and just need help with these people! They have terrible customer service and don't care about what happens to customers. They continue to misplace my documents and let them expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
The said account is out statues of limitation and have asked the company to remove the account from credit report, as it is negatively impacting my 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 explanation
Consumer complaint received 2020-07-14 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-14 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: CA

Complaint narrative:
I had my credit ran because my wife and I are in the process of buying a home however, when my credit report came back I looked through it and I saw some accounts that do not belong to me. The accounts are from these these companies ; US Department of ED, US Department of EDXXXX & XXXX XXXX. I have no idea what these accounts are for or why they're on my credit report since I did not open them and I did not give anyone permission to open them in my name. I also never gave those companies permission to run or access my credit file. I did not get anything for my own benefit as a result of these accounts being open in my name and I did not contribute to any payments that might have been made towards the account balances. I have filed this report to the best of my knowledge regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: CA

Complaint narrative:
I had my credit ran because my wife and I are in the process of buying a home however, when my credit report came back I looked through it and I saw some accounts that do not belong to me. The accounts are from these these companies ; US Department of ED, US Department of EDXXXX & XXXX XXXX. I have no idea what these accounts are for or why they're on my credit report since I did not open them and I did not give anyone permission to open them in my name. I also never gave those companies permission to run or access my credit file. I did not get anything for my own benefit as a result of these accounts being open in my name and I did not contribute to any payments that might have been made towards the account balances. I have filed this report to the best of my knowledge regarding these suspicious accounts.

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 2020-07-14 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I havent be able to pay it in 15+ years I asked to get them both of them dismissed and I dont know how to do all this they said to keep doing a. Forbidden and I cant remember to do this all the time forever it just adds more stress in my life with all this other stuff I have to deal with like my wife who was trying to XXXX  me report number XXXX and XXXX me and give me XXXX XXXX XXXX XXXX shouldnt you want to give up after all that. I didnt I got very sick and in the hospital and to get out 2 hour late I got tee boned and brought back to the hospital life sucks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Check # XXXX. Services misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where [ principal, interest, Escrow, etc. ] were check # XXXX funds applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Ive made 2 previous inquiries to Freedom Mortgage via phone about removal of PMI ( Private Mortgage Insurance ) once my loan to value was under 80 % in XXXX. I was told that PMI wouldnt be  removed until the original date the loan is due to be under 80 % ( several years from now ), even if I reached this number sooner than that date. I sent an electronic message via the Freedom Mortgage website on XX/XX/XXXX. I received an electronic response that stated informed us about the " BPO Process '' and getting our house appraised in order to start the process for PMI removal. This was the first time i was notified about this process and appraisal. Whether deliberate or customer service incompetence ( or lack of knowledge ), I've overpaid PMI Fees since XX/XX/XXXX. Freedom mortgage failed to inform us about the BPO process during my previous inquiries. We were not informed of the BPO process until Freedoms Mortgage 's reply on XX/XX/XXXX. Since we've met all requirements for removal of PMI since XX/XX/XXXX. On XX/XX/XXXXWe sent a electronic message via the Freedom Mortgage website requesting that they waive the BPO fee of {$100.00}, and refund all PMI payments made following the loan balance reaching 80 % of original value. On XX/XX/XXXX we paid the mortgage in full ; we called Freedom mortgage to make sure the wired funds were received and to check on the PMI request. The representative stated that the wire was received ; however, they did not see the written request made on XX/XX/XXXX. I informed the representative about my request to refund PMI payments, and they she stated that thats not something they typically do.

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 2020-07-14 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: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
RoundPoint Mortgage is not reporting my payment made to them for the months of XXXX -XX/XX/2020. The co-borrower and I agreed to a Forbearance plan by which we would pay {$500.00} per month for the months of XXXX- XX/XX/2020. The amounts paid for said months were the full mortgage amount of {$1700.00} or an amount greater than {$500.00}. Per the credit reporting Act, Round POint violates  fair and accurate reporting of payment made to their bank. Additionally, Round Point changed the agree mid XXXX to state XXXX  payments were due under the forbearace plan withour my consent or approval. This is fraudulent on behalf of the bank and should be investigated and fined.

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 2020-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I received a collection account on my credit from a company I have never heard of. It is reporting an amount of XXXX. I have no knowledge of this bill nor have I had any medical attention recently. I am afraid this is also a breach of HIPPA. I have submitted 2 disputes and both were only given 24-48 and denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 HAVE BECOME A VICTIM OF IDENTITY THEFT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS WITHOUT MY KNOWLEDGE. I HAVE NO IDEA AS TO HOW AND WHEN THIS WAS DONE. I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE SO THAT THE ACCOUNTS CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.

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 2020-07-14 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: CA

Complaint narrative:
I have disputes with this creditor because I have no contracts signed with this creditor

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 2020-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company has failed to provide documentation that has my signature that I owe this debt to them. They sent a letter stating they deny any discrepencies. Please help me resolve this matter. 
I've included 2 letters that I've sent requestion that Portfolio verify the information they have regarding the claimed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 a mailed a formal letter to EQUIFAX requesting documentation validating ( provable documents as to the accuracy, completeness, timeliness and otherwise compliance of how account is reported ) of XXXX XXXX/XXXX  Account # XXXX that is listed on my report. 

As of today, XX/XX/2020, XXXX  has yet to provide this information within the allotted 30 days. I request that Equifax delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
my mortgage company Shellpoint Services offered to defer my payments for XXXX and XXXX of 2020 due to Covid, I said ok and they stated I would only have to pay the escrow due, which I did. 
I am now attempting to refinance my loan through XXXX and have to pay off the deferred amount to finish the approval process. I called shellpoint and asked how I could do that because the portal I use for my payments does not show that I owe any deferred amounts. they told me that the only way to pay the deferred amount is to pay the entire loan off which is over {$130000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc.
State: CA

Complaint narrative:
I have not signed a contract with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I attempted to pay off my vehicle loan with Chrysler Capital Account # XXXX. I received a payoff quote on Chrysler Capital 's website, but when I tried to make a one-time payment, the website said that the daily limit was {$2900.00}. I tried various methods online, none of which allowed me to make the payment. I then called Chrysler Capital, and they told me that they would not accept a payment greater than {$2900.00} on their website. I was told my options were to 1 ) mail a paper check, 2 ) make 12 to 13 payments of {$2900.00} each, or 3 ) figure it out with my bank on how to pay CC, such as getting a cashier 's check. I am not about to go to my bank in the middle of a pandemic to figure out how to pay an auto finance company, and I don't use paper checks due to identity theft that has happened to me before by using paper checks. So I guess I'm stuck with making 13 payments over the next 13 days, all while CC continues to assess daily interest on my account. The call was escalated to a manager and then to the executive support team. No one could tell me why the {$2900.00} daily limit was in place, so I am left to assume that CC wants to make it hard for their customers to pay off their loans so they can accrue more interest. Shameful - I've had ~10 auto loans in my life and I have paid all of them off early, either by a simple phone call or online. Chrysler Capital 's policy is clearly UDAAP - by saying they have no prepayment penalty, they neglect to calculate the additional interest a consumer will incur by navigating their arcane payoff methods. Chrysler Capital could teach cable companies a thing or two about making it hard for customers to end their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  is not reporting my payment made to them for the months of XXXX -XX/XX/2020. The co-borrower and I agreed to a Forbearance plan by which we would pay {$500.00} per month for the months of XXXX- XX/XX/2020. The amounts paid for said months were the full mortgage amount of {$1700.00} or an amount greater than {$500.00}. Per the credit reporting Act, XXXX XXXX  violates fair and accurate reporting of payment made to their bank. Additionally, XXXX XXXX changed the agree mid XXXX to state XXXX   payments were due under the forbearace plan withour my consent or approval. This is fraudulent on behalf of the bank and should be investigated and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX And Eastern Accounting System submitted a false workers comp statement to the credit bureau for {$200.00} which made my credit score drop 92 points. I tried contact both companies to remove the inarticulate information for my credit file. Workers comp bill should not be sent to collections and I also never received any written letter from XXXX XXXX or Eastern According System. The federal Fair Debt Collections Practices Act prevents debt collectors from engaging in abusive, deceptive or unfair debt collection methods. This method was unfair and it damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation