vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3700.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$7100.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3400.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3700.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/2019 I sold my business. I had a lot of recurring charges on my credit cards so I tried to contact as many as possible to cancel, but I found out a lot of businesses do not make it easy to cancel. So I had Capital One change my credit card number and I went over all the recurring charges with Capital One and told them I did not want those charges on my account anymore. I thought I was done, but I later found out my credit card number was being given to these merchants even after I requested that my card no longer be charged by these merchants. In my view this is consumer fraud by the credit card companies. Merchants are making it very difficult to cancel and the credit card companies are helping in this scam. Why are the credit card companies giving out my number after they were told by me, not to. If a merchant wants my number they should call me and I could then decide if I want them to have my number or not. They are giving out my number after I told them not to have these merchants charge my card. When I contact Capital One and explain the problem, they have a process that is designed to scam their customers. They sound very concerned, but they are part of the scam and want me to jump through more hoops.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I was in the first stage of the mortgage process and they pulled my credit report. I never received calls or letters about this report and they put it on my credit report. I called to verify this debt and they said I owe money from which they bought a debt from another company. After finally having my lawyer call, they sent me some in the mail that does not validate my debt nor has my signature on anything. Only the credit card statement they received from the original credit they bought the debt from. They said I need to pay or they will sue. They continuously report negative information on my credit report everyday. Im like how do I fix this if they cant verify my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I had a mortgage that was being serviced by " LoanCare '' and I refinanced on XX/XX/XXXX with another company. Upon the completion of the refinance, there was an escrow balance of {$6000.00} that was due back to me. On XX/XX/XXXX I called Loancare to inquire about the refund check since I had not received it. The customer service agent stated they would look into it and issue a new check. On XX/XX/XXXX I called and spoke to a supervisor named " XXXX '' regarding my escrow refund because again, I had not received a check. The supervisor stated that he was initiating a " review request '' that would trigger a reissue of the refund check. On XX/XX/XXXX again I was forced to call Loancare because I had yet to receive my escrow refund check. This time I was told that the issue would be escalated in their system in order to get the check processed quickly. Today is XX/XX/XXXX and I have yet to receive my escrow refund check.

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 2021-04-01 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  - AUTO FINANCE on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 4. XXXX/XXXX  XXXX  I on XX/XX/2020 ( Reported Identity Theft ) 5. XXXX on XX/XX/2020 ( Reported Identity Theft ) 6. XXXX/XXXX XXXX  I on XX/XX/2020 ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 8. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 9. XXXX on XX/XX/2020 ( Reported Identity Theft ) 10. XXXX XXXX I on XX/XX/2020 ( Reported Identity Theft ) 11. XXXX on XX/XX/2020 ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 13. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 14. XXXX XXXX  XXXX XX/XX/2020 ( Reported Identity Theft ) 15. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 17. XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 18. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-04-01 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA

Complaint narrative:
I had my truck financed through Nissan Finance, known as Nissan Motor Acceptance Corp. ( NMAC ). I traded the truck in to a 3rd party dealer on XX/XX/XXXX. Upon trading in the vehicle, I was informed not to make any additional payments and that the 3rd party dealership would handle the payoff. I signed a release of interest on XX/XX/XXXX. The 3rd party vendor sent in the payment which did not get to Nissan ( NMAC ) until the first week of XX/XX/XXXX. This caused a missed payment which was due on the account on XX/XX/XXXX. 

I called up NMAC explaining the problem, and requested to have the late payment removed from my file for the month of XXXX. They explained the process, being a written letter from the 3rd party dealership explaining the circumstances of the missed payment. I obliged and contacted the dealership, having them send in the letter and a copy of the release of interest. The letter was immediately denied by NMAC as it did not conform with the " verbiage '' needed in the letter. I called and spoke with a manager at NMAC about my dilemma, she expressed it should not have been denied and resubmitted it. Denied again. I spoke again with her, at which point she told me why it was denied, and how to correct it ( change the verbiage in the letter ). I did so, had the 3rd party dealership resend the letter specifically taking responsibility for the vehicle and the delinquency, and now get radio silence from NMAC. Delinquency still shows for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
On XX/XX/2021 I refinanced my home mortgage with Guaranteed Rate. During closing, I paid {$4000.00} into my new escrow account. My mortgage was immediately transferred to XXXX XXXX. 
When I received my first paperwork from XXXX my escrow account balance was only {$2000.00}. I called XXXX to ensure they weren't expecting any more payments from Guaranteed Rate, which they weren't. I then called Guaranteed Rate to see what was going on with my missing escrow of {$2000.00}. This is where the problems arise. 
Guaranteed Rate claims they held my money to pay an XX/XX/XXXX tax bill, however I have some issues with this statement. For one, I don't have an XX/XX/XXXX tax bill, I just paid my taxes on XX/XX/XXXX and according to my tax bill is not due until XX/XX/XXXX. This is plenty of time for XXXX to make a payment. Second, my tax bill is only {$2000.00}, which is more than Guaranteed Rate is holding. 
I reached out to Guaranteed Rate on XX/XX/XXXX, and asked for this cash to be sent to XXXX. They will not complete my request. They are still holding my money as I continue to go back and forth with them over the money they still owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I the the original creditor and federally protected consumer have recently obtained my credit file and noticed an inaccurate and unverified account being placed on my account negatively and reporting to the three credit bureaus. This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. These entities are a third-party debt collector and have no right to my Consumer Information. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. Therefore these alleged accounts which have been recently deleted not be resold and not attempted to be added to my credit profile in the future or be in further violations.

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 2021-04-01 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: OneMain Finance Corporation
State: PA

Complaint narrative:
One main financial is saying I owe them money, in which I do not. I was a victim of identity theft and this was verified. I filled out a police report, I've written letters. The fact one main is reporting this account twice under 2 different names is a violation. ( one main, and one main financial ) this is not my account and needs to be removed from my credit file This has caused so much hardship in my life from having my identity stolen. They need to remove this from my file, they have nothing with my permissions or signatures use validate this on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: OR

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. You are reported inaccurate information : totally different, or missing. I attached copies of my annual credit reports so you can find wrong information on my XXXX XXXX account.

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We have attached screenshots of certain areas of our online credit report for today ( XX/XX/XXXX ) Our loan was sold from XX/XX/XXXX to XXXX XXXX back on XXXX of XXXX. It was later Service Transferred from XXXX XXXX to Shellpoint Mortgage Servicing with an transfer date of XX/XX/XXXX. It was also later Service Transferred from Shellpoint Mortgage Servicing on XX/XX/XXXX ( this year ). We have made XXXX total and payments to the Shellpoint starting on XX/XX/XXXX to XX/XX/XXXX. They have yet to update the credit bureaus with the correct information. The data is very different from each of the credit reporting companies. In the 17 payment period with Shellpoint, we were never able to get them to correct any of the incorrect reporting. Our hope today is to get the data reported correctly. In the attached screenshots it shows the incorrect reporting. They have attached " including purchase money first '' to type of loan. When asking about that attachment, the person at the credit bureau indicated it was a very negative thing to have associated with a loan. It is not in out loan documents and could never be associated with our XX/XX/XXXX loan, and in no way should it be associated with anything after the loan sale. Can that line be removed from our credit report as well as the other corrections shown in the screenshots. Our XX/XX/XXXX report has the last payment made showing in XX/XX/XXXX, but shows " last payment '' for XXXX. Please correct in all three credit bureaus to show that all payments were made including our XXXX payment. Also remove the " no data '' reporting XXXX before XX/XX/XXXX ) in the XX/XX/XXXXreporting. Please and for once rightfully update all credit reporting agencies with the correct data. And finally please close out the Shellpoint Servicing just as was done with Nationstar before the transfer. There should never be any activity reported prior to the transfer. The XX/XX/XXXXshows last reporting on XX/XX/XXXX, but does not include the XXXX payment we made to Shellpoint on XX/XX/XXXX - please correct this as well.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax,XX/XX/XXXXXX/XX/XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XX/XX/XXXXXX/XX/XXXXExperian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-04-01 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: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: ARVEST BANK GROUP, INC.
State: CO

Complaint narrative:
Our loan has been on forbearance since the beginning of the COVID-19 pandemic. 
During that time, Arvest Central Mortgage Company mistakenly reported us as over 30 days delinquent on three different occasions. From when I understand, they have removed it but it still caused a hit to our credit score and was a waste of time. 
We have since paid off the loan and hope to have it closed shortly. 

My purpose for submitting this is not for a resolution but to document that Arvest Central Mortgage Company is incorrectly reporting delinquencies while on forbearance. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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:
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitaPlease remove all Inaccurate addresses immediately as they are unlawfulble for legally binding contracts or credit accounts ).

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 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Affidavit of Truth This is a notice to all that I, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXSC XXXX, swear and affirm the following facts. I invoke my specialized remedy as a consumer under Federal Law 15 USC 1692 of the Fair Debt Collections Practicing Act. As a Federally protected Consumer my privacy has been willfully violated ( 15 USC 1692a ). Portfolio Recovery Associates is willfully attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for Portfolio Recovery Associates to have access to my personal information, nor contact me, 15 USC 1692c ( A ). This is my final attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k. Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ). 2 ) 15 USC 1692c ( B ). 3 ) 15 USC 1692e ( 2-A ). 4 ) 15 USC 1692g. 5 ) 15 USC 1692a. 6 ) 15 USC 1692e ( 5 ). 7 ) 15 USC 1692b ( 2 ). Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ). 2 ) 15 USC 1692c ( B ). 3 ) 15 USC 1692c ( B ). 4 ) 15 USC 1692c ( A ). 5 ) 15 USC 1692b ( 2 ). Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ) ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Theyve called me numerous times after Ive told them not to. Theyve also re aged my debt account by {$1.00}.

Company response to consumer: Closed with non-monetary relief