vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
RE : UNIFUND unfair collection lawsuit UNIFUND is suing me over debt I'm not even sure that I owe. They never provided complete documentation despite my stating that I don't have it in the pretrial mediation. 

Also, I am a widow who supports a minor child with social security survivor 's benefits. During this year, I also received some unemployment payments from a part-time job. I understand that both are automatically exempt from collection. That is the mainstay of my financial support for my child. 

I do have a part-time job, too, but, under Florida law, I am exempt from any collections of that as I am the wage earner for a minor child. 

It is my understanding that either is not subject to garnishment and I do not own any real estate or extraordinary assets. 

Further, by the time my minor child turns 18 and is no longer covered by the Florida wage exemption law, the debt will then have fallen out of the statute of limitations for collection. 

THEY ARE WELL AWARE OF ALL OF THIS. I have informed UNIFUND 's Compliance Officer, XXXX XXXX, and their attorney ( XX/XX/XXXXand XXXX of XXXX, Florida ), however, they persist in suing me over it and my case is now set for trial in XXXX. 

I have reached out to attorneys to defend me, but have yet to get representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: LEXISNEXIS
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  # XXXXthe dates wereXX/XX/XXXX alsomy XX/XX/XXXX # XXXX the dates were XXXX, and last XX/XX/XXXX # XXXX the dates were XX/XX/XXXX my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt . 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XX/XX/XXXX # XXXX I have never done any type of business with this company please delete this account at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenderfi, Inc.
State: CO

Complaint narrative:
Submitted loan application to LenderFi on XX/XX/2020 using a link I had saved in my computer bookmarks folder from a previous website visit. There was no indication on the page I submitted application that LenderFi was no longer taking applications. LenderFi 's application system automatically pulled my credit upon submission even though LenderFi was not taking applications at the time my application. LenderFi acted in bad faith and pulled my credit with no intention of offering me a loan. 

LenderFi violated 12 CFR 1026.19 as I provided LenderFi the six pieces of information required to receive a loan estimate in good faith. The automated application system loan estimate was not accurate and not based on current market rates. 

I called via telephone and emailed XXXX XXXX on XX/XX/2020. XXXX did not return my phone call or respond to my email asking for a good faith loan estimate based on my specific refinance. 

I again emailed XXXX XXXX on XX/XX/2020 and asked him to provide an accurate loan estimate. He did not respond. 

I again emailed XXXX XXXX on XX/XX/2020 and he refused to provide a loan estimate. He claimed LenderFi 's website was not taking applications and it was my fault for applying for a loan. I replied to XXXX XXXX as stated above, I had the website link saved and it was no fault of mine that I applied. 

I again emailed XXXX XXXX on XX/XX/2020 asking for a good faith loan estimate since LenderFi had pulled my credit and not provided me me a loan estimate. XXXX XXXX did not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: GA

Complaint narrative:
I was getting ready to inquire on purchasing a new home and of course I had to check my credit. Upon doing so, I have found several fraudulent accounts and addresses that don't and never have belonged to me. These accounts date back years and are spread out through various account types. I am disputing these fraudulent accounts with the three credit bureaus as of today, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: Total Card, Inc.
State: GA

Complaint narrative:
I was getting ready to inquire on purchasing a new home and of course I had to check my credit. Upon doing so, I have found several fraudulent accounts and addresses that don't and never have belonged to me. These accounts date back years and are spread out through various account types. I am disputing these fraudulent accounts with the three credit bureaus as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-11-10 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: NV

Complaint narrative:
I received a copy of my credit report from all 3 bureaus after being contacted by debt collectors I had never done business with. There was a lot of accounts and other personal info on my reports that do not belong to me and I didn't authorize. I filed a police report and an identity theft report for the 2nd time because I also filed one when my wallet was stolen with my ID and other personal info inside about 10 years ago. I also submitted disputes with all three bureaus and they have not taken what doesn't belong to me off my reports.

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 2020-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Trans world has listed a medical debt of {$2000.00} on my credit report. I have no knowledge of owing Transworld and have never heard of this company. I have no knowledge of this debt. I have no contract with this company. They have listed this collection account on my credit report falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: CA

Complaint narrative:
Company violated covid 19agreement set fourth on XX/XX/2020 advised provide call log and they would rectify since completed 7 times no correction

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 2020-11-10 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: CA

Complaint narrative:
Company violated covid 19agreement set fourth on XX/XX/2020 advised provide call log and they would rectify since completed 7 times no correction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: CA

Complaint narrative:
Company violated covid 19agreement set fourth on XX/XX/2020 advised provide call log and they would rectify since completed 7 times no correction

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX XXXX XXXX  # XXXXthe dates wereXXXX, alsomy XXXX # XXXX the dates were XXXX, and last XXXX  XXXX XXXX # XXXX the dates were XX/XX/2020 my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt XXXX 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XXXX XXXX  XXXX  # XXXX I have never done any type of business with this company please delete this account at once!

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 2020-11-10 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: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  XXXX XXXX  # XXXX****the dates wereXXXX, alsomy XXXX # XXXX the dates were XXXX, and last XXXX  XXXX XXXX  # XXXX the dates were XX/XX/2020 my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt . 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XXXX XXXX XXXX XXXX XXXX I have never done any type of business with this company please delete this account at once!

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been the victim of fraud. Citibank, over 3 months, have finally decided they agree with me, but have stated it has been too long to reverse the charges. I submit that their lack of timely communication, and lack of communication at all, have contributed to the fact the dispute has taken 3 months to resolve, and that I should get my charges reversed. I have dozens of documents that show my story with timeline of events.

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 2020-11-10 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: NV

Complaint narrative:
My personal information was involved in the XXXX  data breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.

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 2020-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received a copy of my credit report from all 3 bureaus after being contacted by debt collectors I had never done business with. There was a lot of accounts and other personal info on my reports that do not belong to me and I didn't authorize. I filed a police report and an identity theft report for the 2nd time because I also filed one when my wallet was stolen with my ID and other personal info inside about 10 years ago. I also submitted disputes with all three bureaus and they have not taken what doesn't belong to me off my reports.

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 2020-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Never heard of this company. Theyre falsely listing this account of my credit report. They say I owe them {$770.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
on XX/XX/2020 I mailed in dispute letters to XXXX, Transunion and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home.

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 2020-11-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
on XX/XX/2020 I mailed in dispute letters to XXXX, XXXX  and Experian. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home.

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 2020-11-10 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: TX

Complaint narrative:
On XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I purchased a brand new home in XX/XX/1996. I made a {$20000.00} down payment mortgage balance was {$72000.00}. The loan has been transferd from XXXX, XXXX XXXX, XXXX, Ditech, NewRez, Shellpoint. 
XXXX forced me into Making Homes Affordable when the XXXX  Oil Spill hit. I lost my {$80000.00} job and was only 2 months behind. When I tried to call in my 3 months worth of payments they would not accept the money. I have no idea how much money was added to the principal including interest during this time period ... because no one can produce it. Then when I recovered I stared making additional principal payments to Ditech ... XXXXthey really socked it to me by putting the payments in an " UNAPPLIED BALANCE '' account in the amount of {$13000.00} +. After 1 year of telephone calls to Ditech to correct their mistake they file bankruptcy. Now NewRez says they can't correct previous service providers mistakes and I still owe another 40 years worth of payments at $ XXXX. 
I have been dealing with this for 15 years ... the house should be paid off by now. I will be XXXX in XXXX, no one will correct this mistake. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of 2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief