vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
XX/XX/2021 awarded forbearance for 180 days with no late fees, charges or amount owed back during time or forbearance. My credit report states I missed my payments XXXX XXXX XXXX The payments due were {$0.00}. {$0.00} was paid. Yet I am reported late and delinquent for those months. Also, all those months during forbearance the accrued amount has been added up and on to my total mortgage loan amount. In the statements it says no interest fees will be charged ; no amount will be added or need to be paid back yet every month they charge me or add on to my total. This is misleading and falsified information. Now XX/XX/2021 I am on a loan trial payment that is less than the monthly amount reported on my account and was paid in XXXX but not changed or updated on my credit 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 2021-09-04 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: OH

Complaint narrative:
I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or Navient, nor have they responded to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit reporting is reporting the wrong address on my credit file. I have lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for over 16 years and they recently updated my address to an address I have never lived at. I contacted them with copies of my driver 's license and utility bill and it is still reporting the wrong address. They are also reporting the wrong social security number even though I have sent them a copy of my correct social security number and driver 's license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 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: OH

Complaint narrative:
I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or XXXX, nor have they responded to my inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: OH

Complaint narrative:
I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or XXXX, nor have they responded to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: OH

Complaint narrative:
I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or XXXX, nor have they responded to my inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. 

attached is my credit report with demonstrating evidence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 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: CA

Complaint narrative:
I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. 

The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. 

I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an XXXX. 
======================================================

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: SC

Complaint narrative:
Equifax refuses to properly investigate unauthorized inquires that i did not do after several attempts of sending letters and phone calls they refused to investigate according to the FCRA they have 30 days to respond also according to FCRA anything unverified or inaccurate it must be deleted. 

unauthorized inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXXXXXX XXXX FL,XXXX-XXXXAddress ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX I Received a Notarized Statement from OneMain Financial that stated that my Account was Paid in Full. Nowhere on the Notarized Statement does it say this was a settlement for a lesser amount, or does it say Account Paid in Full for less than full balance. The Notarized statement does say This loan has been satisfied on XX/XX/XXXX. OneMain Financial continued to harass me for 13 months and they finally sent this account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  Reference Number XXXX Balance Due {$8800.00}. I disputed the validity of this debt within thirty days from receiving this notice on XX/XX/XXXX. On XX/XX/XXXX I received a Letter from OneMain Financial Stating Re Account No. XXXX Date of Loan XX/XX/XXXX Stating that " This letter serves as verification that the above-referenced account has been Settled in Full and closed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We having been paying our mortgage for years, and the balance hasn't come down. We recently notice that all payments hasn't been applied. Calling and writing hasn't gotten their attention. Who can help? My company is Wells Fargo. Please email answers to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions
State: GA

Complaint narrative:
To describe what happened I will state that I have been in contact with " TSC Accounts Receivables Solutions '' since the XXXX or beginning of XXXX quarter of XXXX. The amount of the debt is incorrect by the amount of {$260.00}. Our communications have been very upfront from my conveyances. Upon contacting them this past Wednesday I recorded the following information. This was in attempts to close the account in my name to transfer to the promised payee - my biological mother XXXX XXXX XXXX. The companies representatives would not oblige and failed to offer me the best genuine care. I do have proof the debt does not belong to me per a government agency in my local area and because of this I rightfully claim to be discriminated against and defamed as an XXXX & XXXX with the XXXX XXXX of which this country does not take lightly. Please know the medical provider is also at fault for malpractice being not solely but in addition me receiving permanent damage to my brand, body, and career in attempts to receive a more clear and desirable aesthetic required for my work. 
XXXX XXXXEST XXXX XXXX stated that I would need to speak to his manager regarding successfully completing my request and to wait for a callback from XXXX XXXX XXXXXXXXEST XXXX XXXX I never received a callback so I followed up and was informed that he does not perceive the situation to not be my responsibility and they will not accept the police reporting to remove ownership of my account XXXX. Then asked if I still wanted to speak to a manage even though I never had requested that. 
XXXX States that it would be my responsibility on the basis that I was the patient even though there was a legal agreement that I would not be responsible for paying for the services from XXXX  XXXX XXXX XXXXXXXX. Would not accept police report and did not have any genuine care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX on behalf of XXXX XXXX - Faith properties obtained a judgment against me that is being reported to the credit bureaus and it should not be. 

As of XX/XX/08 civil judgments are no longer to be reported on credit bureaus. In addition their judgment doesnt identify me with a date of birth, social or address. 

Also, in Ohio per ORC 2329.07 judgments are only valid for 5 years unless revived, which this account was not- its reported as charged off. 

Also, the amount of the judgment is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: OH

Complaint narrative:
XXXX XXXX on behalf of XXXX XXXX - XXXX XXXX obtained a judgment against me that is being reported to the credit bureaus and it should not be. 

As of XX/XX/08 civil judgments are no longer to be reported on credit bureaus. In addition their judgment doesnt identify me with a date of birth, social or address. 

Also, in Ohio per ORC 2329.07 judgments are only valid for 5 years unless revived, which this account was not- its reported as charged off. 

Also, the amount of the judgment is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I submitted a XXXX payment through Cash App to my mother 's gardener. On the following morning, the gardener informed me that he no longer had access to this account. I immediately attempted to cancel the transaction, and sent another payment of XXXX to his new account. I contacted Cash App Support, and I was told that the recipient must reverse the payment. I explained that the recipient no longer had access to the account, therefore, he was not able to reverse the payment. The recipient contacted Cash App, and explained that he no longer had access to the old account. Also, he provided the new Cash App account information, however, Cash App refused to refund the 1st payment. So, in essence Cash App kept the 1st payment. I have tried repeatedly to explain this to Cash App Support Staff, but have not received any positive response. 

The recipient also contacted Cash App per their instructions, and explained the above situation. Cash App remained firm, and refused to return the funds. 
It appears that Cash App has no regard for the little guy. This is a minute amount of money for this company. I have dealt with multiple representatives, but have not been able to resolve this issue. I am seeking your help to resolve this issue, and receive my refund. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
On XX/XX/2021 I sent Receivables Performance Management LLC in regards that, I am invoking my specialized remedies as a consumer under federal law 15 USC 1692 of the Fair Debt Collections Practice Act. As a federally protected consumer My privacy has been willfully violated ( 15 USC 1692 ( a ). Receivables Performance Management LLC is attempting to collect a debt that has not been verified or authenticated by me. Further i have not given Receivables Performance Management LLC the access to have my personal information, nor contact me, 15 USC 1692c ( a ) Below are the violations i've due to the injuries they've caused me. 
Fact, Affiant  is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 5 ) Fact, Affiant  is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 2 ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 2 ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692c ( A ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692d ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no 3rd party involved! I obtained my consumer report and I notice there were some unauthorized items reporting. pursuant 15 USC 1681b ( a ) ( 1 ) ( 2 ) under permissible purposes of consumer report : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave you written consent to furnish anything on my report. No consent means you are now committing Identity theft. also under the congressional findings, congress clearly states that consumer reporting agencies MUST exercise their GRAVE responsibilities with a respect for the consumers right to privacy. you are in fact infringing on my RIGHT to privacy. under reasonable procedures, Congress states that consumer reporting agencies shall adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. you are a corporation you can't tell me XXXX XXXX consumer in fact what is Fair, Equitable, and Accurate. you are also in violation pursuant 15 USC 1681a ( 2 ) ( b ) under Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; under 15 USC 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. so that means my SSN, State ID is a credit card that was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XX/XX/2021 : Three transactions of {$50.00} a piece from my XXXX XXXX account to my Bluebird AMEX account, not done by me. AMEX suspended my account and I can not even get in contact with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MS

Complaint narrative:
I have a mortgage forbearance with XXXX since XX/XX/XXXX. In XX/XX/XXXX, I contacted XXXX to notify them I wanted to end my forbearance and begin to pay my note. I spoke to them many times and was given different information every time I called. Finally, in XXXX I decided to start mailing payments. They returned my payment. I sent it again. I really felt like they wanted to drag this out as long as they could to increase my indebtedness to them. Then they sent me a promissory note of {$41000.00} which I believe is wrong. The forbearance should have ended XX/XX/XXXX, XXXXTheir behavior was so absurd that I began to think there was some kind of fraud going on here. 



SEE THE ATTACHED DOCUMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
In XX/XX/2021, I paid Ginny  's the balance that I owed. I don't owe them anything now. But they are reporting to the credit bureaus that " I am still late. But paid balance. So I file a complaint but they refused to stop reporting that I am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish.. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. failing that, the item must be deleted from the report as soon as possible. 

Creditor agency : Phoenix Financial SE {$1800.00} the listed item is completely inaccurate and incomplete, and is a very serious error in reporting. please delete this misleading information, and supply a corrected credit profile all creditors who have received a copy within the last 6 months, or last two years for employment purposes. 

Additionally, Please provide the name, addresses, and telephone number of each credit grantor subscriber. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description the procedure used to determinate accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of completion of your re-investigation. 

Sincerely XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation