vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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: VA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$0.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$0.00} ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$2700.00} ACCOUNT NAME : US DEPARTMENT OF EDU ACCOUNT NUMBER : XXXX Balance : {$7200.00} ACCOUNT NAME : US DEPARTMENT OF EDU ACCOUNT NUMBER : XXXX Balance : {$4000.00} ACCOUNT NAME : US DEPT OF EDUCATION ACCOUNT NUMBER : XXXX Balance : {$1400.00} ACCOUNT NAME : US DEPT OF EDUCATION ACCOUNT NUMBER : XXXX Balance : {$1400.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My Barclays card is charged off ( which is accurate ) however a third party XXXX XXXX XXXX XXXX called me stating they owned my account. I have set up a payment arrangement with XXXX  for a reduced amount. My issue is that Barclays is still reporting a balance of over XXXX when I have settled with XXXX  for {$2200.00}, which I still owe {$1800.00}. I have an issue that Barclays is reporting a balance that is not correct. I have spoken with both companies, call recorded, to ask why I have a contract now with XXXX  and it is not reflecting with Barclays since XXXX works for them. I will be speaking to an attorney because do not think this is a fair practice.

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 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
- We bought a new home lateXX/XX/XXXX with a loan principal of {$390000.00} being serviced by Amerihome Mortgage Company. 
- We made a Principal Curtailment ( Principal Reduction ) payment of {$59000.00} in XX/XX/XXXX to bring the loan to value to below 80 %. We included the requested letter of intent that we were making this payment in order to remove the PMI ( Private Mortgage Insurance ) from our loan. 
- The PMI wasn't removed and the payments have been included each month. 
- When we became aware that the PMI payments hadn't ceased, I called into the mortgage company to have the monthly PMI payments cease and the erroneous payments be credited back to our account. 
- The agent gave inaccurate information and requested additional documentation that we had already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
commonwealth finance at employee of XXXX XXXX XXXX has been sending me collection notices in the amount of {$570.00} the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. 
I would like for them to take this off my credit report and do not try to put it back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
I refinanced with my original lender pennymac in XXXX. The loan officer said that I qualified for a program to take my PMI off, because I have great credit. Fast forward to XXXX I called again to possibly refinance and get information. The loan officer I spoke with informed me that the PMI was put on the back end of my loan. I had no knowledge of this and that was not what I was told. Is there anything that I can do? I was definitely not informed of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I had a lease with GM Financial for a XXXX XXXX that started XX/XX/XXXX. My GM Financial Account number is XXXX. The lease was scheduled to end XX/XX/XXXX. I leased a new car with XXXX and they accepted to turn my XXXX lease back in for me. That was completed on XX/XX/XXXX, more than a month before the end of my lease. Unfortunately for some reason GM didn't report the car returned until XX/XX/XXXX so they added a month payment to the end of my lease. 

I contacted GM Financial and after a number of months of back and forth discussion after providing the lease return receipt from XXXX they agreed to remove the added payment and I made a settlement program for the amount owed ( wear and tear, lease return, fee, etc. ). This program was instituted on XX/XX/XXXX and I have made payments every month since then. 

The gmfinancial.com portal showed the revised amount due with the removal of the extra month payment so I thought all was well. I got a letter from GM Financial on XX/XX/XXXX with an update on the amount owed. It didn't correlate to what is shown on the GM Financial portal so I called customer service today XXXX XXXX, XXXX to inquire about the difference and they are now saying they never removed the extra month payment and that I still owe the amount. After 30 minutes of explaining the whole situation over again they said they'd escalate the issue and to call back in 48-72 hours.

I have no confidence that GM has any intention of removing the payment for a car I no longer had and returned a month before the end of the lease! They added a payment thinking I still had the car but even after giving proof that I returned it before the end of the lease they are refusing the remove the extra payment. 

Please help me resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18 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: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: MD

Complaint narrative:
They made contact XX/XX/2021. I sent them a certified letter XX/XX/2021 to verify debt. They have not responded at all, have not removed the debt, and they are just tried to contact me. I answered, they hung up. The only reason I knew it was them is because I called back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I wrote directly to the US BANKRUPTCY bank in XXXXXXXX XXXX & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file XXXX your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file

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 2021-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a small no interest loan for a certain term that Im not sure of from Wells Fargo.The loan was for around {$9000.00}. I was paying it it off in large chunks and assumed they would warn me when the no interest period was about end but they did not. When I had paid the loan down to {$3000.00} they added {$6700.00} in interest. This is definitely fraud and predatory lending in my opinion. If I knew that would happen on that date I would have paid off the {$3000.00}.

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 monetary relief
Consumer complaint received 2021-08-18 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: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
I am a vicitim of identity theft I have contacted XXXX multiple times supplying them with a certified NOTARIZED police report from the XXXX Texas Police Department. I have also contacted the FEDERAL TRADE COMISSION submitting a FTC identity theft affadavit concerning the Fraudulent acitvity that needs to be deleted from credit report. I have contacted the furnishers ( XXXX XXXX XXXX XXXX ) / ( RBC COLLECTION AGENCY ) to notify them by law that the accounts opened under my personal information were all done without my permission and needs to be immediately deleted. 


1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$110.00} 2. RBC {$350.00} opened XXXX XXXX original creditor : XXXX XXXX XXXX 3. RBC {$180.00} opened XX/XX/XXXX original creditor XXXX XXXX XXXX FRAUDULENT INQUIRY XXXX / XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I specifically asked the Auto Dealership to run my credit with XXXX XXXX and they ran it with 5 other institutions which put hard inquiries on my credit report. These took place on XX/XX/21 and XX/XX/21

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 2021-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX - purchased a mattress using promotional 12 months no interest. From XX/XX/XXXX to XX/XX/XXXX, I made additional payments XX/XX/XXXX times, ranging from {$5.00} to {$180.00} over the minimums due. Since I do paperless, I assume the additional was being applied to the promotional balance. On XX/XX/XXXX I notice that promotional balance was {$540.00}, so I went and download all statement for the promotional period. From XX/XX/XXXX to XX/XX/XXXX none of the additional was applied to my promotional. Only the XX/XX/XXXX and XX/XX/XXXX additional amounts were applied XXXX see below ). 

On XX/XX/XXXX I called and the first rep XXXX XXXX XXXX   said that " online system payment there is no way to indicate additional amount should be applied to promotional, that the customer needs to let them now to apply it. '' Nowhere on the website, statement or policy does it state that I have to inform billing that the additional payment should go to promotional balance. 

After 2 more calls, I was able to get a supervisor to apply the additional payment to the promotional balance, but only for the past 6 months. I had to pay {$270.00} instead of {$100.00} to avoid been charged {$220.00} in deferred interest. 

Citibank needs to automatically apply additional payments to the promotional balance and not require the consumer to have to contact customer service to do so. 

due paid over statement XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX applied promotional balance XXXX XX/XX/XXXX XXXX XXXX XXXX applied promotional balance XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: IL

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 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2021 I reached out to equifax about unauthorized inquiries on my report. After a slew of misinfrmation and failed security attempts, im told to send my very personal information in to prove my identity, after giving information that is listed in my credit report. There is unauthorized credit in my name and equifax is refusing to assist me in the correct direction. My information has been apart of an equifax data breach. They are absolutely rude and treat you like a criminal, while they are responsible for the leak of your information. I will fax over the items they asked so i can get this stuff of my credit that I did not authorize. Agent was XXXX in XXXX XXXX XXXX Department at XXXX today

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper / Nationstar overpaid my insurance resulting in a refund which they never reapplied to my impound account or mortgage balance. Essentially Mr. Cooper / Nationstar overpaid my insurance and then kept the refund, stealing a {$2200.00} refund meant from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I was working for the State of Maryland beginning XX/XX/XXXX, a qualified employer for the PSLF program. I sent in my certification forms for the program and I had been in touch regularly with Navient, who my loan servicer for my Federal Student loans. I completed my annual forms since the beginning to maintain my payments I received something in the mail that my account was transferred to XXXX  XXXX as a result of receiving a PSLF employer certification form. I was confused as I have been completing the forms and my recertifications. I sent a copy in XX/XX/XXXX of my forms dated from XX/XX/XXXX to Fed loan who provided me with my eligibility statement showing I had only made 13 qualifying payments. They advised me that the previous servicer was who reported the qualifying payments. I contacted Navient and launched a complaint for a new review of my qualifying payments because I had been in regular contact with them and was unaware of any possible problems. I received a response letter dated XX/XX/XXXX that my account was transferred to XXXX  XXXX  on XX/XX/XXXX as a result of receiving a PSLF certification form ( as if this was the first time, but I digress ). It went to also say that my repayment plan had a series of postponement that did not qualify under the program. I am finally advised after all these years that my Payments were not qualifying payments from XX/XX/XXXX to XX/XX/XXXX because I was on deferment. I went back in my records and the earliest document I had saved was dated XX/XX/XXXX reminding me that my current 12 month IBR plan period will be expiring soon and to reapply before XX/XX/XXXX. So I know I had the proper IBR repayment plan in XXXX with Navient and PSLF forms were sent in from my employer. Why in XXXX was my loan transferred to XXXX  XXXX  when they say they received my employment certification form. I was XXXX so I asked the ombudsman if they could pull any recordings of my conversations with Navient because I had lost upwards of 18 payments obviously to a misunderstanding of some sort and how can we confirm that I was given the wrong information. It has recently come to light that there have been deceptive practices with student loan servicers and I would like a independent review of my particular situation because I feel that the payments should have been credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I have requested the information to validate the debt they are saying I owe by a dispute with the credit reporting agency. Capital Accounts LLC has yet to provide me with acceptable documentation of my debt and has refused to remove the account from my credit report. 

I have attached the letter I sent them today.

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