vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
I have received numerous calls from a source I know nothing about. The last two calls referred to me as an attorney which I am not. The person who gave his name as XXXX XXXX is saying I have unsettled legal matter with some payday loan company. Twice he referred to me as counselor which I am not. He threatened me with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
So I checked my XXXX credit score it dropped XXXX points now I'm trying to figure out what went wrong it says missed or late payment for auto loan I immediately call toyota financial services to inquire they tell I'm actually paid ahead on loan meaning I have paid more then agreed on contract so how can XXXX drop my score toyota financial states they didn't report anything to credit bureaus now I'm thinking I have proof I made a payment it's in my email for XX/XX/2021 this needs to be fixed immediately toyota denies any wrong doing so it's XXXX fault and needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I typed letters to each credit card lender indicating I was affected due to a natural disaster ( covid19 ) I was requesting hardship at this time. The letters were submitted back XXXX, XXXX, XX/XX/2020 Due to the Cares Act it did state that Credit card debtors can request hardship at the time. However, I paid the account up as agreed bit now it is showing late payments on all three credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AAA Auto Title Loans, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX I received an email from Cash1 LLC, claiming that I owed {$540.00}. I have never heard of this company and they are claiming that this debt has been owed since XX/XX/XXXX which was the month that someone was using my identity in order to get personal loans..I don't owe this debt because I never signed up or was aware of this personal loan that was taken out in my name with my social security number, I am aware who this individual was that stole my identity and chose not to press charges due to mental illness issues and lack of accountability

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TN

Complaint narrative:
On XX/XX/XXXX, I disputed a debt with XXXX XXXX XXXX XXXXXXXX and requested information from them about the debt. I was told they only received an affidavit from the original creditor ( XXXX  XXXX ) and did not have any other information, including contact information. I was told the debt started in XXXX of XXXX and payments were received for 10 years but they did not have documentation to support this claim. I informed them I was disputing the debt and was told that they would sue me and call my employer and tell them of the debt and request that they garnish my wages. About 10 minutes later I get an alert that a new account was reported to Transunion, which turned out to be XXXX XXXX XXXX XXXX. I disputed the debt with Transunion immediately. After several weeks, Transunion said they verified the debt and it was accurate. I called Transunion on XX/XX/XXXX and asked them what information was verified and what was their process for verification. I spoke with XXXX in XXXX and XXXX in the US and was told they verified the name and address of the collection agency. I asked for specific details that the debt was verified and was told that once they verify the name, address, and phone number of the collection agency that verifies the debt. I again filed another dispute with Transunion. I am outraged at Transunion for not verifying the debt and allowing this fraudulent company to report a debt without verification. This debt has not been reported to XXXX or XXXX, only Transunion.

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 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX, I submitted a dispute to the credit bureaus, also a letter to the company, IC SYSTEM, about the three collections accounts it is reporting on my credit file. {$640.00}, {$240.00}, and {$240.00}. Instead of deleting these items which are reporting that I did not have an account or agreement to pay IC SYSTEM, they continue to report it. My report now says " affected by natural disaster. '' But I never said that, what I said was that reporting it is a violation of HIPPA laws. The original creditor listed as " XXXX XXXX XXXX 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 2021-09-16 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: GA

Complaint narrative:
I have disputed an erroneous Chapter XXXX bankruptcy with TransUnion several times this year. The bankruptcy is dismissed and is not associated with any accounts on my credit report. TransUnion has failed to provide proof that the public record belongs to me. I have requested a valid and reasonable method of verification and it has not been provided. My request for the information has been ignored which is a violation of the FCRA. 

The item has already been deleted by XXXX and XXXX after an investigation.

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 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE XXXX, TRANSUNION, XXXX XXXX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.

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 2021-09-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE XXXX, XXXX, ANE EQUIFAX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: GA

Complaint narrative:
DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE EXPERIAN, XXXX, ANE XXXX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.

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 2021-09-16 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: NC

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 2021-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bepensa Capital, Inc.
State: IN

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I sent Credito Real USA Finance written request for debt validation pursuant to 15 U.S.C. 1692g along with a cease and desist through ANY medium Pursuant to 15 U.S.C. 1692c ( c ).

They failed to provide the 5 things required upon my written request. They sent back only a contract which is NOT validation.

15 USC 1692 states that Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unles
s the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the deb
t collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Credito Real USA failed to provide me any of thes
e 5 things.

They are also still contacting me through my consumer report and has recently reported a late payment on my report which is damaging and defaming my character.

Credito Real is infringing on my right to privacy as I do not wish for them to report any payment history or balance on my report. That is a private matter that I do not want any other person know my private affairs.

I recently sent a request for Verification of Debt and they responded with the letter I have attached. they are choosing to not honor my request therefore they should cease any collection Credito Real USA is also in
violation of 15 U.S.C 1692c ( c ) as they are still contacting me through my credit report stating that I am late.

15 U.S.C. 1692c ( c ) states that ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I've been trying to complete a loan modification with LoanCare since XX/XX/XXXX. I've sent 37 emails and called countless times. Most of the time, I wait on hold, get transferred, and disconnected. When I do get through to someone, they don't know the status of my mod, they ask questions, then they come up with something else that is missing. There is no communication from the company in writing, via phone, or via mail unless I initiate it. When I send an email demanding a phone call, I receive an automated call asking me to call them which leads to more wait times, transfers, and disconnects. I've sent more documents than I've ever done before when purchasing a home, but because of the lag time on their end, each time I call, they want more paystubs because the ones on file are " expired ''. My online account is disabled, so I can not make a payment even though I've asked to do so. There is no way I can refinance the property, sell it, or even move forward on a business endeavor I've been working on until this is resolved. LoanCare has given me no option but to file a complaint about their inaction and poor communication. I initially thought they were just busy and overwhelmed, but I am beginning to think there is something untoward going on. I have a credit score in the 700 's, I've never missed a payment, and I find this unacceptable. I would never have opted to do business with LoanCare as their reviews are terrible, but unfortunately, XXXX transferred my loan to the company sometime during the pandemic.

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 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
As a result of Covid19, on XX/XX/XXXX, we were offered Forbearance mortgage assistance by XXXX XXXX who was our mortgage holder at the time. We accepted the assistance as we are self employed and business completely stopped. At the time, we were told what are options were once the forbearance ended 1 ) An extension of our payment assistance period 2 ) Allowing missed payments to be deferred until the end of our mortgage term or payoff 3 ) Extending the loan term 4 ) Standard mortgage assistance options such as a repayment plan or a loan modification. We were also told they would stay in touch during and after the payment assistance period and would work with us to determine the best next step for our situation. On XX/XX/XXXX we were notified by XXXX XXXX  that the loan was sold to SPS XXXX Select Portfolio Servicing , inc. and assured us the payment assistance would be passed along to and honored by SPS. After the loan was sold, we were notified by SPS that the forbearance assistance would be extended. During that time we continued not making payments. On XX/XX/XXXX at XXXX PST, we called SPS and spoke with XXXX. We told her we were ready to resume our monthly mortgage payments. She told us not to make a payment until after the review process was completed in terms of repayment options. The review process was completely mismanaged and due to the conflicting information from SPS, we took it upon ourselves to resume payments, starting XX/XX/XXXX and are continuing monthly payments. On XX/XX/XXXX, we received a letter from SPS stating that the only options that were available to us in terms of repayment were 1 ) Payment in full 2 ) short sale or 3 ) foreclosure. We were told we could write a letter of appeal which we did in XX/XX/XXXX and were once again notified that all other options were declined other than the ones stated above. Now we are possibly facing foreclosure if full payment is not received by XX/XX/XXXX. We have also been working with a HUD representative to help guide us through this unfortunate and extremely stressful situation. We feel we were completed mislead by SPS and that they did not honor the guidelines that were originally set by XXXX. SPS said that because we were more than 12 months behind ( we are now at 14 ), we were no longer available for any other payment options. Had we not been told not to make a payment in XXXX we would not be in this situation. We were also told by SPS that financially it is not in the best interest of the lender to help us resolve the situation any further. We feel completely blindsided, mislead and set up to fail. We strongly believe that if we were still with XXXX, this never would have happened.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
So I checked my transunion credit score it dropped 58 points now I'm trying to figure out what went wrong it says missed or late payment for auto loan I immediately call XXXX XXXX XXXX  to inquire they tell I'm actually paid ahead on loan meaning I have paid more then agreed on contract so how can transunion drop my score XXXX XXXX states they didn't report anything to credit bureaus now I'm thinking I have proof I made a payment it's in my email for XX/XX/2021 this needs to be fixed immediately XXXX denies any wrong doing so it's transunion fault and needs to be 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
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I received a bill today ( XX/XX/XXXX ) in the mail from a debt collector ( Convergent - XXXX ) telling me that i owe {$2100.00} associated with XXXX XXXX ( XXXX ). Apparently, someone that lived or was associated with property at XXXX XXXX XXXX. XXXX, Michigan used my identity to get electric at this address from XX/XX/XXXX to XX/XX/XXXX. What i can tell you that i never lived in the state of Michigan. I never stayed overnight in the state of Michigan and I NEVER authorized ANYONE to use my identity or my name, etc. to purchase anything from XXXX XXXX. I've NEVER had any agreement with XXXX XXXX ... I NEVER lived in their service area. My identity was stolen to gain these services from XXXX 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 2021-09-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to a Best Buy location to purchase a new XXXX. I made it clear to the employee that was assisting me that I did not want any sort of Best Buy credit issued and that I wanted to pay for the phone with an existing credit card. 
I did not authorize or ask to apply for Best Buy credit either. However, I received a phone call the next day from the Best Buy credit department to inform me that a card had been issued to me. I explained to the person from credit card department that I did not apply for nor requested Best Buy credit and that I simply wanted to pay the XXXX in full which I did. 
The Best Buy employee then closed the account and my credit report now states that my account is in good standing but closed which is impacting my credit score negatively and that it would stay on my credit report for 10 years! 
I contacted XXXX and they told me that was not a fair scenario for me and to contact Best Buy to formally request they remove the account from my credit report which I did do. I should in no way, shape or form be negatively impacted for an error made by an hourly employee and when the item in question was paid for in full with a credit card that I already had in my possession.

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 2021-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
LENDMARK FINANCIAL GAVE ME A LOAN, THEN SEVERAL TIMES SAID THEY WERE DEFERRING MY PAYMENT FOR 1 OR 2 MONTHS, THAT NO PAYMENT WAS DUE AT THE TIME, THEN TURNED AROUND AND CHARGED ME LATE FEES AND EVEN REPORTED ME LATE TO THE CREDIT BUREAUS! HOW CAN A DEFERRED PAYMENT BE LATE? WHY WAS MY ACCOUNT CONTINUED TO REPORT NEGATIVE WHEN I WAS DISPUTING THE LATE CHARGES ( SINCE XX/XX/2021 )?!! WHY WAS MY PAYMENTS REPORTED LATE WHEN NO PAYMENT WAS DUE?

LENDMARK WILL CALL ME FROM MANY DIFFERENT PHONE NUMBERS AND AREA CODES, EVEN A TENNESSEE NUMBER, AND I KEPT TELLING THEM THAT THE LATE FEES NEEDED TO BE TAKEN OFF SO I COULD MAKE THE PAYMENT. THEY NEVER REMOVED THEM. THEY NEVER EVEN REPORTED MY DISPUTE WITH THE CREDIT BUREAUS, SO IN XXXX, I STARTED DISPUTING MYSELF. THE ACCOUNT WAS NEVER VALIDATED, AND NOTHING WAS FIXED. THESE ARE JUST A BUNCH OF SCAMMERS TAKING PEOPLE 'S MONEY. I PAID ON THAT FOR ALMOST 18 MONTHS AND NOW THEY SAY I OWE MORE THAN I STARTED WITH, WHICH WAS {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: LA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  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 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX I made an online purchase at XXXX with my Chase card XXXX for {$1100.00} and I chose the option to pay extra to have my products overnight shipped to me knowing that I would be going to work I am a XXXX XXXX XXXX and not be home for a couple of days and my shipment was delayed and I tried to cancel the order through email and phone call before the order be sent out And I was unsuccessful with reaching them by phone I emailed multiple times I didnt receive an email until days later and was told that the package was still delivered and I have no knowledge of where the packages or where it was delivered I opened a dispute with my bank and XXXX neither was helpful

Company response to consumer: Closed with explanation