vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment for XXXX/XXXX for 30 days late. 


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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
Pennymac is currently reporting my mortgage account as past due over 120 days. 
Prior, I was in their forbearance program until XX/XX/2020 when I went into their modification program. I have been making payments outlined in Pennymac 's agreement and have not been late to date. 
Under the CARES ACT and CFPB instruction/interpretation of the CARES ACT, Pennymac is in direct violation of the credit reporting guidelines by reporting my current status as delinquent and late. 
I have addressed this issue with the company. Past reporting was fixed to reflect Covid relief, but current status is not accurate under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is a formal complaint against XXXX and Equifax that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. 

I mailed a certified written letter to Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from XXXX that validates this debt and Equifax continues to verify the account stating that XXXX has certified that the debt is valid. 

If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. 

Furthermore, I contact Equifax on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: FL

Complaint narrative:
I certify that XXXX and Experian has been notified through third-party CFPB of fraudulent accounts and alerts on report. XXXX and Experian was asked to validate the account information being reported by providing original certified copy of contractual agreement. XXXX has left remarks that are not accurate on my report, accounts discharged off show a charge-off status with negative remarks. XXXX  has also had my information breached 3-4 times past few years including compromised accounts. 
Can XXXX, or Experian provide certified original contract for XXXX XXXX? Can either agency provide certified contract agreements for the alleged accounts showing an obligation on my report?

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 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Account number ending XXXX is appearing on my credit reports. PRA sued me but then dismissed the case as they could not prove the debt belonged to me. See attached court document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I ordered a desk for work and a chair with matching dresser from XXXX XXXX. Order Number : XXXX. See attached original order. I have yet to received these items as they have changed to date available over 10 times and only after I have reached out are they updating me on this. But my main issue is I am being charged, WITH interest, on their credit card for these items yet to be received. See attached credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been disputing this account with synchrony bank to update the payment history on this account since XX/XX/XXXX. They have come back each time stating that the account is " certified as accurate ''. The payment history is still reporting incorrectly. This account can not report 31 charge offs for 3 years from XXXX up until XX/XX/XXXX. The payment history from XXXX-XXXX has been eradicated and doesnt report at all. The date of charge off states XX/XX/XXXX when they charged the account off in XX/XX/XXXX. I have called and reached out to the company and was told that they dont handle XXXX accounts and that these accounts were given to XXXX XXXX. Another rep from XXXX XXXX told me that the account was sold to another company called enhanced recovery company. 1-how can synchrony verify the account as accurate if the payment history is still the same and has not been corrected? 2- how can they verify an account is accurate but don't have any information about the account anymore? 3- how is the account verified as accurate if the charge off status still shows XX/XX/XXXX and not XX/XX/XXXX? This account payment history needs to be corrected or the account must be removed from my XXXX credit file. This is in violation of the fair credit reporting act.

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Citi Bank applied Payment Safeguard to my account with any permission to do so. I called about the fee once a couple years ago and was falsely told that it was a required fee as I had a balance. I recently called again after being informed that it is not required, the customer service representative cancelled Payment Safeguard, and informed me that if I did not sign up for Payment Safeguard I should be refunded for all of the charges. I never signed up for Payment Safeguard, and never would have if offered. 

A few weeks later Citi Bank sent me a letter telling me that I was not due a refund because it is an insurance policy and that you can't cancel it later if you don't need it. 

This has cost me thousands of dollars on an account I have been working to pay down. Almost 1/3 of my monthly payment was taken and put towards this service. I have paid my account every month without fail, and not even a single late payment. This service should never have been applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Alamo Premier Mortgage Group Inc
State: TX

Complaint narrative:
*****THIS COMPANY IS A SCAM***** In 6 months of working with XXXX and XXXX, they have refinanced 0 out of 5 of our loans. They have lied about their process and told us in email multiple times that they were going to order appraisals and that loans were going to be approved " by the end of the week '' on several occasions. To this date in time, they have not refinanced any of our loans and they are refusing to give us a refund. 

XXXX XXXX has told us multiple lies which we have in emails from him. XXXX XXXX, the owner, briefly stepped in and said he was taking over the file but that lasted less than a week before he put XXXX back on it. 

After 6 months of waiting for them to just get one of our loans refinanced, something they never accomplished, we finally asked for a refund. Initially, they offered us less than half of what we paid them as long as we signed a release form and said that we were entitled to nothing. This was after XXXX induced us to sign a credit card authorization form for all 5 of our properties by telling us about their " Loan Guaranty ''. Now they are refusing to offer any sort of refund. 

We have already filed a complaint with Texas Department of Savings and Mortgage Lending and the Consumer Financial Protection Bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states 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 it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my has 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 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
THIS ACCOUNT IS STILL SHOWING ONN MY CREDIT REPORT AND I MAD MANY COMPLAINTS WITH THE COMPANY AND ASKED THEM TO FIX MY PRODUCT BECAUSE IT WAS POORLY MADE MUST HAVE BEEN DEFECTIVE AND THEY GAVE ME NO HELP. THIS COMPANY IS KNOWN TO SELL POOR ITEMS AND IGNORE CUSTOMER REQUEST FOR HELP. 

{$670.00} ACCT XXXX XX/XX/2020 XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2020 my bill 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 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 2020-11-17 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: ERC
State: CA

Complaint narrative:
On XX/XX/2020, ENHANCED RECOVERY COMPAN add a collection on my credit report per XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing this account with XXXX XXXX to update the payment history on this account since XX/XX/XXXX. They have come back each time stating that the account is " certified as accurate ''. The payment history is still reporting incorrectly. This account can not report 31 charge offs for 3 years from XXXX up until XXXX of XXXX. The payment history from XXXX has been eradicated and doesnt report at all. The date of charge off states XX/XX/XXXX when they charged the account off in XX/XX/XXXX. I have called and reached out to the company and was told that they dont handle XXXX accounts and that these accounts were given to capital one. Another rep from capital one told me that the account was sold to another company called enhanced recovery company. 1-how can XXXX  verify the account as accurate if the payment history is still the same and has not been corrected? 2- how can they verify an account is accurate but don't have any information about the account anymore? 3- how is the account verified as accurate if the charge off status still shows XX/XX/XXXX and not XX/XX/XXXX? This account payment history needs to be corrected or the account must be removed from my experian credit file. This is in violation of the fair credit reporting act.

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 2020-11-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The XXXX  XXXX XXXX XXXX XXXX credit card company in continuously reporting incorrect information regarding the owner of this debit. Although the account was originally opened with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the account has been closed and sold to a Debit Collector. This credit card company was not able to assist me because they no longer own the account. I have reached out to XXXX XXXX with their contact information being reported to all three credit bureaus after my credit report was obtained. Once the reports were obtained I notice the same information was reappearing showing the same incorrect information. I have made many disputes with the credit bureau agencies in an attempt to resolve this issue with this credit card company. 


Since this is the case and no resolution had been done ( on my behalf ) with above statement and recent complaint. I requested with the two credit bureaus to add a personal statement the two account on my credit report. They under false pretense took my statements/ information of what I wanted added to my report, but did not add the statement to the report as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CONTRACT CALLERS INC
State: UT

Complaint narrative:
Contract Caller Inc is reporting an erroneous debt on my credit file. I recently check my credit file and noticed this debt. I never received my phone calls, notices, or letters about this debt. If I would have know of this debt I would have paid it so that it doesn't report to my credit file. I have called and paid it immediately after seeing it on my credit file and it is still reporting a balance. I need this fixed/removed from my credit file ASAP as it is interfering with my finances.

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 2020-11-17 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: TX

Complaint narrative:
ALL 3 CRA REPORTING OUTDATED ACCOUNTS SINCE XXXX - XXXX ... NOT MINES/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: NC

Complaint narrative:
There is a debt on my credit report ADVANCED COLLECTION BU that is not mine. I have disputed it several times and they keep saying it is mine but will not provide verifying proof. Unless they show actual doctors records showing I incurred this debt I demand this be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have written the Bureaus asking them several times how they came to determine these accounts were correct. All of them continue to stall and never explains how they verify the accounts on my credit report. I have ask them because the accounts shows errors and different dates, still not details on how the accounts are correct.

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 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
I have reported ZWICKER & ASSOCIATES debt collector twice on your website. This company keeps sending me threatening letters trying to sue me. I explained in the past that my information was compromised and I been trying to correct the issue. Right now I'm dealing with Georgia Labor Department with fraud. 
Someone stole my benefits. I had enough of this company abuse. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2019 my bill 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 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 2020-11-17 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Constant barrage of collection calls from Midland Credit Management. I have no business with them and no defaulted or bad debts. My credit report reflects nothing even late and I have a very high credit score, but they constantly harrass me. Sometimes they call in rapid succession from different numbers, so it seems like three different entities are calling, but I research the numbers and they are all from Midland Credit Management. I also sometimes get random number calls prior to and after their calls. I have never received any official documents or mail correspondence from them, I have no information at all about whatever debt they are accusing me of holding, no amounts or dates of supposed debts, no creditor names or business information, no account numbers or anything else. Ive never received any notice about anything from them, just a sudden influx of harrassing calls that wont stop. If it was real they would correspond by real methods instead of robocalls. I can not trust them with my personal information, so do not provide them with it if possible.

Company response to consumer: Closed with non-monetary relief