vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: AmeriCollect
State: PA

Complaint narrative:
AMERICOLLECT is trying to collect a debt that does not belong to me. They have also violated HIIPA LAW. I want this debt investigated. I am a victim of having my social security number and drivers license information compromised. I filed a complaint with the FTC 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 2021-05-04 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: Duvera Billing Services, LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX  715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section XXXX, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient XXXX XXXX  reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to Navient and the XXXX XXXX showing that i wa in a forbearance with my student loans. I contacted Navient with copies of my application for the forbearance and the credit report. Navient also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: IL

Complaint narrative:
I purchased furniture from XXXX XXXX in XXXX, XXXX. They had me apply for financing in store with American First Finance. Where my husband and I were both approved and we placed an order. After 3 weeks of calls not being returned and an estimated time of delivery of XX/XX/2021 we opted to cancel. 

American First Finance had already begun taking weekly payments for both my account # XXXX and my husbands account # XXXX furniture turned in electronic communication to American First that the account was cancelled and no furniture was ever received. I was to be refunded in full. 

On XX/XX/2021 I called in and spoke to a XXXX who said she could see the cancellation and our funds would be put back into our account in 7-10 business days. On XX/XX/2021 I received a collection text stating my account was past due. I called in and he said it was an oversite. On XX/XX/2021 I received another collection text on both accounts asking for money to be paid. I called in and the account reflects the total balance due. It was not refunded and it is not reflecting the change in balance. 

On XX/XX/2021 I spoke with XXXX and have requested an email to show I will be refunded. She was not able to send an email. However assures the refund will be applied at some point. She put XXXX on the phone who said he is not able to send an email as such. He then stated that the refund is delayed because they have not completed the processing of my last payment on XX/XX/2021 ( which cleared my bank XXXX This call took over 40 minutes. I have no furniture, I have made payments on each account in excess of {$260.00} and show {$3000.00} in balance due for an order that was cancelled and confirmed with American First who simply isn't able to send any documentation substantiating the account is to be closed with refund due. They have no problem with texts that my account will go in collection for non payment though.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.

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 2021-05-04 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: DE

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TX

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A.
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX company because I was struggling paying off several loans. I signed up with them and was advised to send an email to the creditors revoking the ACH of my account. I notified my creditors and all of them emailed me back acknowledging that they received it and was honoring it. Well today I received a email from my payday loan a guy named XXXX saying they do not work with debt consolidation companies and wanted me to setup payments with him. I explained to him that all of my other creditors were going to work with them and I could not afford to pay them and they company handling my debts and I this was me trying to do the right thing. My loan is not late and I was trying to take care of this so it would not have to go to collections. I dont understand why they are not willing to work with someone who is trying to pay them the best way I can and not just let the payment go to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I have had problems with Rushmore LM for a few years with them changing my interest of fixes rate. The pandemic has hit me financially, my business has suffered greatly. I contacted Rushmore in XX/XX/2020 for assistance. After over 30 calls to several so called point of contacts who never responded after they sent multiple letters stating help was available. XXXX XXXX wouldn't help me because I'm not XXXX and hung up on me. The latest contact has failed to respond to 8 calls. I filed for assistance in XXXX, of course they claimed didn't get all documents. But I sent check list with Documents. So I sent again. Here it is 7 months later. No response in any form. They don't call back, put me on hold but Do not get on phone. 
I gave up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: WV

Complaint narrative:
Noticed derogatory mark on credit from services I never had. Called the company and they said I had an account with an internet service I can not even obtain where I live. My social security number is linked to it. Also said that I moved the service to another address when Ive lived where I live now my whole life. Not my debt, said I could only pay the debt to get it off my credit report. Im not paying it, as its not my debt.

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 2021-05-04 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NJ

Complaint narrative:
I called the company and they said that on their end they do not have my payments late. But for the past 5months experience is saying that I have been making late payments which is not true because it come out of my checking account each month on the same day. Please fix this problem. It needs to be removed.

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I called today XX/XX/2021 the XXXX, XXXX, Equifax, and XXXX. I called XXXX, Equifax and XXXX  : who or company or organization is making my credit report to up or down. Equifax, XXXX and XXXX  basically call XXXX. 

When I called XXXX they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating. 

I would like to know who is making my credit score go up or down and how they calculating my XXXX or any other software. I believe this a fundamental right whom is causing scores to go up or down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: MN

Complaint narrative:
I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through XXXX XXXX  XXXX Mortgage. 

In XX/XX/XXXX XXXX XXXX XXXX Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error. 

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded. 

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.

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 2021-05-04 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: MN

Complaint narrative:
I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through XXXX XXXX XXXX Mortgage. 

In XX/XX/XXXX XXXX XXXX  XXXX Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error.

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded.

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
My employer offered me tuition reimbursement and sent a {$5000.00} check to AES. This is after confirming with AES that this is allowed and we just need to write the account number. They have had the check for almost a month and still havent applied the payment. Customer service says theres no way to contact that department and each time I call I get a different answer. They keep asking me to take a picture of the check, and I am trying to explain THEY HAVE IT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 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: IL

Complaint narrative:
I submitted an FTC report XX/XX/2021 to all 3 bureaus stating the account that was listed on my report were the result of identity theft. According to the FCRA pursuant 15 USC 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer resulting from identity theft. It is XX/XX/2021 and a block has still not been placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company CAPITAL ONE account numberXXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: SLM CORPORATION
State: NY

Complaint narrative:
XXXX student loans reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to XXXX and the Credit Agency showing that i wa in a forbearance with my student loans. I contacted XXXX with copies of my application for the forbearance and the credit report. XXXX also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NY

Complaint narrative:
XXXX student loans reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to XXXX and the Credit Agency showing that i wa in a forbearance with my student loans. I contacted XXXX with copies of my application for the forbearance and the credit report. XXXX also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I called today XX/XX/2021 the FICO, TransUnion, XXXX, and XXXX. I called TranIsUnion, XXXX  and XXXX : who or company or organization is making my credit report to up or down. XXXX, Transuion and XXXX basically call FICO. 

When I called FICO they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating.

I would like to know who is making my credit score go up or down and how they calculating my e-oscar or any other software. I believe this a fundamental right whom is causing scores to go up or down.

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