vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I FAUGHT LONG AND HARD ALONG SIDE WITH YOUR HELP AT CFPB AND THIS XXXX XXXX WAS DELEATED FROM MY FILE AS WAS PROVEN NOT TO BELONG TO ME AND THIS REAPPEARED ON MY CREDIT REPORTS, I NEED YOUR HELP AGAIN PLEASE TO DELEATE THIS FROM MY REPORTS PLEASE?.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02 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: TX

Complaint narrative:
Per my last letter, XX/XX/2020, I asked your company to provide me with legal and validated evidence in which your customer service agent, XXXX, claimed was provided to your company by the creditors in this complaint, that warranted the resubmission of such accounts to my credit profile despite the fact that they were accounts legally identified as identity theft. 

My letter simply exercised my rights under FCRA rule section 11 ( a ) ( 6 ) and ( 7 ), the consumer has the right to request method of verification and that the bureau has 15 days to furnish their evidence. As of today 's date, XX/XX/2020, I have not received such evidence and it is 70 days past the allowed response time. 

I have been told my police report was invalid and that my FTC report was a fraud, I was lying, accounts couldn't be removed, everything possible to keep from proving to me why these accounts were reporting on my report. Both documents were notarized and on proper and legal letterhead/paper from their individual agencies per all legal policies and advise. I have sent in ID, proof of address, etc ( all of this is already on file with your company ) yet your company will not remove or prove these accounts belong to me. Your company is refusing to provide me with the proof, I am legally obligated to obtain by law that proves the accounts belong to 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 2020-04-02 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: GA

Complaint narrative:
I ask Equifax, XXXX  and XXXX  60 days ago on XX/XX/20 to remove inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
My mortgage was recently sold to CMC Funding, held by Specialized Loan Servicing Holdings LLC. No paperwork has been sent to me even identifying my new loan number, let alone what my monthly payment amount is. In the first month, I was able to connect by phone after 15 days, during which the company was simply unavailable via phone or web. I made my mortgage payment via phone, and was promised paperwork. Still with no paperwork other than a legal boilerplate document stating the name of the new loan processor ( still no loan number or amount ). I have now tried via both web ( where I must have my loan number to set up an account ) and phone ( where I have been placed in a queue and told that I would receive a callback within 24 hours ) for days, and can not get through to this company. I can not pay my mortgage, don't know my loan number and have no recourse whatsoever. This is intolerable.

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: WV

Complaint narrative:
I have tried on numerous occasions to place a security freeze on my credit profile that this company maintains. On two different times over the last three months I faxed in the security request form from their website. Additionally during the same 3+ month span I twice submitted the security freeze request using the companies online platform. I have still no received correspondence on the outcome of any of these requests. I have called to company at the registered number at least 5 times, leaving voicemail messages and have not received a follow up call or any writing response. SageStream LLC is not responsive of my request and I demanding that they place a security freeze on my consumer profile and furthermore do not want them data mining any future information of mine. I also feel that they are in violation of the FCRA and FDCPA and should have to compensate me under willing violation of these acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TX

Complaint narrative:
I've submitted proper documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my score and life.

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 2020-04-02 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: TX

Complaint narrative:
I've submitted proper documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my score and life.

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 2020-04-02 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: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : KAY JEWELERS XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I purchased a XXXX  XXXX XXXX XXXX, through XXXX, the loan servicer is Bridgecrest out of XXXX Arizona. 
Basically, they are takign my money and principal reduction payments and applying them toward interest. I have called many times and written in, still they are not applying my principal reduction payments toward principal. 
so, every month i pay XXXX for the car and XXXX toward principal reduction, so i pay {$600.00} total. they keep only processing it as a regular payment. 
Additionally, to PROVE this, i wrote a check with " To be applied to principal reduction ONLY '' on the check, along with a letter explaining the issue and that it should XXXX applied TO PRINCIPAL ONLY ( letter below ) They took this, and also applied it toward interest! 
This company is SCAMMING people on a large scale!! 
I HAVE PAID {$1600.00} this month on a XXXX car payment, and they have me PAST DUE FOR {$29.00}!! 
**I have the check to prove it, the letter i wrote, AND a recorded phone call with bridgecrest showing their tactics ( the go silent on the phone when you call in after making you hold for 30 minutes, then they wont speak, and wait for you to hang up!! ) its deplorable! 
PLEASE stop this company from scamming good people trying to pay off their car! 



MY LETTER THAT WAS ENCLOSED WITH MY CHECK TO BRIDGECREST IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 explanation
Consumer complaint received 2020-04-02 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX JPMCB  HL XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently obtained a copy of my credit report from Experian. It indicate the following credit inquiries that was not authorized by me : XXXX/XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX Therefore, I am writing to dispute these inquiries and have them removed from my credit report. Please forward any documentation that you may have in regards to the removal of these inquiries.

Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well. 

Thank you for your prompt assistance.

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 2020-04-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/2020 I called XXXXXXXX XXXX   and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what XXXXXXXX XXXX  customer service told me to 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 2020-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My husband and I called our mortgage company Freedom Mortgage to inquire about getting some relief such as a deferment on our mortgage for at least 3 months. The deferment will be put on the back end of the loan. After several attempts, I finally spoke to one of the customer service reps and he stated that the deferment was available to us and that he would send some forms to be filled out in 3-5 business days. They never came so we called back this time asking for the forms so that we can fill them out ( not knowing the forms included 29 pages ). She told us to go  online to fill them out and we will be processed as the deferment. I called back because we couldn't find the forms named Loss Mitigation and then that person ( 3rd Person ) told us that they are not giving the option of DEFERMENT. He then transfers me to the department that handles this situation during this Pandemic and she states that Freedom Mortgage isn't giving people the Deferment option, only  Forbearance option. I stated my concerns and told her that I was upset that I was given false information several times from the customer service reps and that this mortgage company wasn't doing anything to help its customers. Unapologetic about the entire situation, she states that she will pass the information on and that the call was recorded so they will be able to listen and address the concerns I had. Long story comes to an end with no resolution and we have to pay or we will be charged and reported to credit bureaus. Also, the CEO has the nerve to be on the home page addressing the issue like he is really concerned. I think not. I would like this company to properly train their staff and also have a plan in order for this type of situation. 
Freedom Mortgage is absolutley not at the top of my choices and I am looking forward to finding another mortgage company soon.

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 2020-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RFNA, LP
State: LA

Complaint narrative:
On XX/XX/2020, I pulled my annual free credit report. to make sure all was in order. I noticed that Republic Finance had a Hard Inquiry on my report that I did not authorize. Right away, I called the number that was listed ( XXXX  ) XXXX and left a message. This was their corporate headquarters. I called again on XX/XX/XXXX because I had not gotten a call back. The person answering the phone said someone in compliance would have to call me back. I did get that call later that day. The Representative told me that they were allowed to pull my credit. I asked her where that was in writing because I never received anything with that language. I I asked her why was I not mailed anything as a result of them pulling my credit. She said she does not know why. She this had happened before with others and had been noted but I would need to dispute this at the Credit Bureau then they can investigate this process. She mentioned that their system does not distinguish between Hard and Soft inquiries. Someone from the local office called to see if I wanted more credit from them and said no and asked her why was their a hard inquiry on my credit. She said it was their policy. I asked her to send me a copy of that policy. I have not hear back from her. Spoke to XXXX  today and was told they can not dispute Hard Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank USA N is reporting Acc # XXXX Balance of {$300.00}. I've never had such an account like that EVER. This is FRAUD and I demand for Capital One to remove this erroneous account off my credit report immediately. Capital One got compromised a couple of years ago and people 's informations are probably other in the black market. The FCRA consumer law states that everything has to be reported 100 % accurate if not they must be removed. This is hurting my credit and it does not even belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Due to the coronavirus pandemic -furniture I bought XX/XX/XXXX with delivery at that time was XX/XX/XXXX delivery since ( Understandably ) delayed until XX/XX/XXXX - store card credit Synchrony is insisting my first payment will be due XX/XX/XXXX or I will be penalized with late charges Spoke to customer care for XXXX and also Synchrony credit card - to no avail- No one expected this coronavirus impact but is it fair for me to pay ahead for something I dont have and honestly dont know if will get on XX/XX/XXXX - Also was going to cancel order b/c of this issue but will be charged a 15 % restocking fee! I have worked hard to rebuild my credit and do not want my credit ruined over this I think its truly unfair to ask for payment of something that is unclear when it will be available

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 2020-04-02 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: TX

Complaint narrative:
Per my last letter, XX/XX/2020, I asked your company to provide me with legal and validated evidence in which your customer service agent, XXXX, claimed was provided to your company by the creditors in this complaint, that warranted the resubmission of such accounts to my credit profile despite the fact that they were accounts legally identified as identity theft. 

My letter simply exercised my rights under FCRA rule section 11 ( a ) ( 6 ) and ( 7 ), the consumer has the right to request method of verification and that the bureau has 15 days to furnish their evidence. As of today 's date, XX/XX/2020, I have not received such evidence and it is 70 days past the allowed response time. 

I have been told my police report was invalid and that my FTC report was a fraud, I was lying, accounts couldn't be removed, everything possible to keep from proving to me why these accounts were reporting on my report. Both documents were notarized and on proper and legal letterhead/paper from their individual agencies per all legal policies and advise. I have sent in ID, proof of address, etc ( all of this is already on file with your company ) yet your company will not remove or prove these accounts belong to me. Your company is refusing to provide me with the proof, I am legally obligated to obtain by law that proves the accounts belong to 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