vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 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: NC

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Freedom Mortgage sent a property tax check of $ 1800+ to the county on XX/XX/XXXX. The loan was refinanced the same day and the check from the refinance was used by the county instead. The county quickly sent the Freedom Mortgage check back so a refund could be issued to me. I have been diligently calling Freedom Mortgage to get updates and in late XXXX, they told me the refund check would be sent on XX/XX/XXXX. However, it is now XX/XX/XXXX and the check has still not been received and now they are saying it will be another 10 business days before check is sent out, almost the exact same thing they said in 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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
There is currently information on my credit and background check that should not be there my identity was stolen due to a robbery where someone took my purse with my social security card driver license credit card bank information which is causing a major impact on my credit scoring and I am now trying to resolve the issue after finding this out.

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 2020-03-26 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: AL

Complaint narrative:
EXPERIAN AND XXXX  IS REPORTING A MEDICAL COLLECTION DEBT THAT IS NOT MINE, AND IT VIOLATES THE HIPAA LAWS

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 2020-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
Follow the protocol require to send money to the recipient, everything was done smoothly but the money hasn't showed in the receivers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
WHEN TRYING TO MAKE A MONTHLY PAYMENT ON XX/XX/2020 I DISCOVERED OUR ACCOUNT LOAN WAS CLOSED. APPARENTLY THE LOAN WAS SOLD BY DITECH AS PARTY OF THEIR BANKRUPTCY BUT WE RECEIVED NO NOTICE FROM THEM AND HAD PAID BY PHONE ON XX/XX/ WITH NO INDICATION THEN OF ANY LOAN OWNERSHIP CHANGE FORTHCOMING. IN ADDITION WE HAVE RECI=EIVED NO " WELCOME '' LETTER FROM ANY NEW LOAN SERVICER, BOTH OF WHICH I UNDERSTAND ARE REQUIRED BY LAW. I CONTACTED DITECH BOTH BY PHONE ( SHORT TERSE RECODING SAYING LOAD SOLD ) AND THEN BY EMAIL WITH NO RESPONSE. 
WE ARE A MONTH BEHIND ON THE PAYMENT AND NEED TO MAKE A PAYMENT TO AVOID BEING FURTHER BEHIND, EVEN IN THE MIDST OF THIS VIRUS ISSUE AMERICA IS GOING THROUGH. I AM XXXX AND MY WIFE IS XXXX, WE BOTH WORK XXXX  AND NEED 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 2020-03-26 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/NAVIENT XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX Navient   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: VA

Complaint narrative:
Have contacted the company to remove and investigate - They have not done either -

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Dear Sir or Madam, Over the last 2 weeks I have both called and emailed ( on their website ), multiple times my mortgage lender MR. COOPER to inquire about refinancing. I have not heard any repsonse whatsoever which is unaccpetable. While I undertsand the call volume has increased, 2 weeks is more than enough time to respond. It is clear, the company is simply attempting to benefit from my current higher rate and preventing me from refinancing to reduce this. Moreover, it is horrible customer service to a current customer who has never missed a payment. 

I have a 800 plus credit rating and have already begun refinancing with two other lenders who have offered me 3.75 and 3.25 respectively versus my current rate of 4.125 with  MR. COOPER. 

I would like to file a formal complaint as this is highly unethical and simply poor business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I received a letter in the mail that named a person as trying to make changes to my account. The person named was not me and the letter indicated that no changes were made to the account. Which is wonderful. However, the person named as attempting to make changes to the account is the CEO of the company that I work for. This is troubling because he is not associated with my account in any way. He also DID NOT attempt to make changes to my account. I am not even certain how his name would have been associated with my account. I called Comenity this morning and they can not explain how the name was attached to my account. This is very troubling because the account has already had fraud reported on it that I did not report. This is the initial report that caused all of the problems. I am not getting answers from any of the customer service representatives because we do not speak the same language and do not understand each other. I want a full investigation into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
The complaint is regarding mortgage fraud. My name was added to a mortgage filed XX/XX/XXXX. My initials and signature were forged on the document. The notary unethically stamped the document. I never met the notary that stamped and notarized the mortgage. 
On XX/XX/XXXX I was served a summons by XXXX XXXX. The summons requested my response because it stated that I was listed on the mortgage. The attached documentation shows that my name was typed on a mortgage for a property that belonged to my mother in XXXX, Florida. It seems as she was modifying the mortgage on her home and she forged my name/initials on the mortgage. She was a XXXX XXXX and had made connections with people in the industry. I have never met the notary that notarized the mortgage document The notary and my mother committed mortgage fraud. The mortgage was date XX/XX/XXXX ans secures the note that my mother signed on XX/XX/XXXX for {$170000.00}. 
My mother did ask me to be placed on the deed of her home in XXXX, FL back in XXXX which I agreed to because she said it was for estate planning purposes. However, after a few years I asked her to remove my name from the deed because she was planning on leaving the home to her son. 
My mother died in XX/XX/XXXX and willed the home in XXXX Florida to her son. He took ownership of the property but decided to go into foreclosure. Due to the foreclosure process is how i came to find out about the mortgage fraud. Since my name was not forged on the note this information never came up on my credit reports. 
The summons names me and my spouse as responsible parties and I am seeking legal counsel to help us clear our names. I never had any interest in this home nor do I seek to have any interest int his home. I just want help getting justice for this criminal act. I work for the securities industry and can not have a foreclosure attached to my name. My husband is also an innocent victim ion all of this. Any help you could provide us would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: DISCOVER BANK
State: NJ

Complaint narrative:
There is a Hard Inquiry on my credit report of XXXX  with the name of Discover Financial Ser ( see attachtment ), I have tried to dispute this with XXXX  and also Discover but both company denied to help me in this. 
I do not have any credit card or account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: FL

Complaint narrative:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/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 2020-03-26 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: FL

Complaint narrative:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: FL

Complaint narrative:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/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 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: OH

Complaint narrative:
I think the first contact I received was around the Fall of XXXX. The caller introduced herself as being with XXXX XXXX through originally XXXX XXXX, later transferred to XXXX and then to Financial Recovery Services. She informed me of a credit card that was overdue for payment. I explained that I had never applied for XXXX XXXX. In fact I have a XXXX account that only had my personal debit and local bank card attached to it and that I didn't need a paypal credit card. I asked her what the charges were for. She stated XXXX services for the amount of {$4900.00}. I told her that I live in a rural farming community and XXXX isnt accessible. Furthermore I have my own vehicles and don't need XXXX services. She asked if I had ever used XXXX ever. I stated I had in XXXX one weekend and in XXXX, but my XXXX account is only connected to my personal bank account. We went back and forth. She asked me if I thought this was fraud. I stated yes. I never heard back until XXXX of XXXX. I again explained the situation. I was asked if I would be willing to fill out an affidavit and I said yes. I did that, had it notorized and returned it. I never heard another word until XXXX of XXXX from Financial Recovery services. At that time I forwarded the affidavit. I followed that up with a letter from an attorney and they have never replied. I would like to get this issue resolved. I would like my credit cleared and I am getting no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: NY

Complaint narrative:
Identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
Account was opened XX/XX/2017 only missed 1 payment due to job loss spoke with them I tried to make a payment arrangement they refused to work with me after 1 missed payment they repossessed my car then sold it and put a balance of {$3500.00} on my credit after the account was already closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: MS

Complaint narrative:
My loan was transferred to SST I never had any idea it did they would agree to terms then call back and leave messages. I eventually got tired because they would call and call and call. I called them back and advised that I would like to settle but when you try to settle the account with them no one that works for them knows about the letter they sent so you are back and forth again with calls all day long from them. I receive more than 5 calls per day at all hours from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
This company they say they are collectors from The Cash Store. But they are demanding money when they call and it can't be made after the phone call. Then they want to send to court house so they can have a warrant issued for me. But when I ask to make arrangements they refuse to send me paperwork by mail, they sent an email that said who I owed and that was it. 
They are calling people we don't even associate with. Plus family members we don't talk too. I have never out a family.member down as a reference. 
My husband is XXXX and when they call him it makes him go into a XXXX XXXX with the threats. Yesterday they demanded money before we hung up. I told them I had no idea who they was but they said they was legit but I'm not sending them money. 
Please have them stop calling us and other folks.

Company response to consumer: Closed with explanation