vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-11-15 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: CA

Complaint narrative:
I have been disputing errors found on my credit reports with XXXX, XXXX, and TransUnion since XXXXXXXX XXXX XXXX. There are misspellings of my name, addresses I have never lived at, and accounts that are not mine listed. I have disputed with the bureaus via certified mail on a monthly basis. Despite my many attempts to have the errors removed/updated I have not gotten the investigation results that the bureaus are supposed to send in the mail. Without these results, I am unaware if an investigation was completed, or how they verified the information if it was. This in itself is a FCRA violation and warrants the removal of these errors. I will also list the errors below for your convenience. Please see the attached documents for further in-depth detail regarding the accounts in dispute : 1. XXXX XXXX XXXX XXXX XXXX Not my account 2. XXXX XXXX XXXX XXXX Not mine, and is falsely reporting as an open account which is a FCRA violation 3XXXX XXXX XXXX XXXX XXXX  Not mine , and is also falsely reporting as an open account which is a FCRA violation 4. 2 XXXX accounts- Neither account is mine and I have not seen validation 5. XXXX XXXX XXXXXXXX Not mine

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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After receiving my consumer report from Equifax, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating claim and disputing the fraudulent inquires and accounts. Equifax is still reporting the negative/inaccurate accounts on my consumer report. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Equifax willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Equifax is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
At this time I am writing to you because your ongoing harassment regarding a payment you say you did not receive has got to stop. I turned my XXXX XXXX XXXX in in XXXX of XXXX. The last payment that I had to make was XX/XX/XXXX since I leased a new vehicle at the beginning of XX/XX/XXXX, it is this payment you have accused me of not paying. I have attempted to rectify this error with documentation from the Financial Institution by way of statements that showed the monies removed from my account. Your refusal to accept that is unacceptable. 
With that documentation you have refused to accept it and sent my account to a collection agency. Well today I have the last laugh on you, as you will have seen attached with this letter is a official letter from the financial institution acknowledging the funds were taken from my account and given to your company. 

How exactly is a payment that is due on the first of every month, say XX/XX/XXXX, and pay say XX/XX/XXXX delinquent? 
XX/XX/XXXX To whom it may concern Follow up letter from XXXX XXXX. After speaking with XXXX this morning, I realized how incompetent your staff really is. If anyone of them took a moment to look over the statements for my XXXX XXXX, and XXXXXXXX XXXX they would have seen that the statements clearly indicate that the monthly payments were due the FIRST OF THE MONTH, NOT the end of the month. Which means my XXXX payment which was due on XX/XX/XXXX, was paid XX/XX/XXXX and the last time I checked XX/XX/XXXX comes before XXXX XXXX. 
This means that my XXXX payment was made FOUR DAYS EARLY. Sadly, since your incompetence has caused me damage in the report of a delinquent payment you have forced my hand two follow through with several threats.

First after having purchased 1 XXXX XXXX, and leasing four additional XXXX Vehicles my family will no longer deal with your unscrupulous company. 
Secondly, the first letter I sent you, along with the bank document along with this document will be sent to the credit reporting agencies, along with the Attorney Generals office.

Your employees incompetence was not my problem till you fraudulently reported a NON-EXISTANT DELINQENT PAYMENT. You should have done your homework. If you had you would have seen your error since my payments were all due on the FIRST of EVERY MONTH, and your company CHOSE THAT DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Cycle Finance, Inc.
State: IL

Complaint narrative:
I financed a motorcycle with american cycle finace on XX/XX/XXXX and made payments until XX/XX/XXXX. At that time the vehicle was refinaced by XXXX XXXX XXXX XXXX. I just paid off the loan thru XXXX XXXX XXXX XXXX. but the original loan was paid off to american cycle finance XX/XX/XXXX I talked to both banks and XXXX XXXX never recieved title from amerincyce finace. XXXX XXXX  was never on the title of the loan. only myself and american cycle finance. I have been requesting the title from amaercan cycle finance for years with no efford for them top sent or replace it. Ther is an XXXX fee to aquire a title that i never had in my possesion. I request that amaerican cycle finace replace the title to the motor cycle or pay the fee to have it replaced. the motor cycle is a XXXX XXXX XXXX and i have attached payment history. I never ever had the title.. 

XXXX XXXX XXXX VIN : XXXX | Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc.
State: TX

Complaint narrative:
I contacted this Nemo 's collection Company and explained to them I have medicaid, they did not do their investigation of this matter properly. I have also given them my insurance information when I went in. Furthermore, I did not get helped, the doctor came in and said she needed to refer me to get a scan at some local hospital. I am not paying for this when XXXX did not do ANYTHING. Also, this is medical this is not suppose to be on my credit because of HIPPA laws. I would like this removed immediately before I contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case for the unknown account reported as EOS account number XXXX. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received multiple offers to apply for a Chase XXXX business card from Chase but when I applied in my business name i was declined based on my business being newnbut i was sent out these promotional offers asking my business I received to hard inquires because this im asking the inquiries be removed from my XXXX credit profile JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian will not delete the 5 XXXX from my credit report, despite the letter provided by the US Department of Education stating that they should be deleted from my credit report. The 5 student loans were transferred from XXXX to XXXX XXXX XXXX where they were rehabilitated. Upon rehabilitation any negative reporting was supposed to have been deleted from my Experian credit report. Experian has not done this. The other 2 credit bureaus already deleted this from my credit report. The 5 student loans consolidated and paid in full through XXXX XXXX XXXX XXXX. Experian needs to delete these 5 XXXX student loans from my credit report. They were not even showing on Experian until about 2 weeks ago when they randomly popped up.

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 2021-11-15 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: Exeter Finance, LLC.
State: MD

Complaint narrative:
I disputed a charge-off on my credit report. I ask Exeter Finance LLC to send me proof of a contract with my signature as proof that I enter into a contract with them. I sent two letters requesting a proof, one on XX/XX/2021 and another on XX/XX/2021. I have not received anything with proof of my signature on it. The only thing that I received was a letter saying it was frivolous in XXXX. They never mark my credit report as disputed to today which is a voilation. The company did not respond to the first letter that I sent by certified mail that was signed for by someone in the company. I would like to have the charge-off removed if they do not provide me validation showing my signature that I have or ever had some contractual obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Received forbearance on mortgage payments due to XXXX. Nationstar, mortgage servicer for XXXX, offered loan modification at end of forbearance I complete all 3 trial payments. Nationstar sent me loan modification documents to sign and return. 

However, the modification attempts to capitalize {$3200.00} for monies Nationstar did NOT pay on my behalf during the forbearance period. After speaking with Nationstar reps, XX/XX/XXXX XXXX, ( XXXX ( no longer with company ) and XXXX  ), the first one told me this was for money Nationstar " anticipates paying on behalf in the future for taxes and insurance, and that although it'll be capitalized into principal balance now, Nationstar will still collect this amount a second time through increased escrow payments ( essentially I would pay twice, once through having this money added to loan balance and then again through increased escrow payments ). The second time I spoke with Nationstar, XX/XX/XXXX, XXXX, the rep agreed with me that the only money Nationstar paid out on my behalf during the forebearance was {$190.00} ( this agrees with my records ) and the rep could not explain the additional {$3200.00} being added to the loan balance as a condition for modification. Rep said she would call me back that day. She never did. When I called Nationstar again, I was put in touch with Nationstar 's Executive Resolution Office, XXXX XXXX ( XXXX ) who informed me would get to the bottom of this attempt to capitalize imaginary money. She told to NOT sign the modification and also to NOT make any additional payments until the loan modification anomaly or question was resolved. I have not heard back from XXXX though I have left messages 3 times since XX/XX/XXXX. 
This period of not knowing the status of my loan modification, what Nationstar 's intentions are and whether or not I should proceed with trying to sell the home in order to pay off the mortgage is causing me distress. 
Nationstar 's summary of their terms for the modification states "... unpaid interest, real estate taxes, insurance premiums, and certain assessments paid on your behalf to a third party, will be added to your mortgage loan balance. '' Since Nationstar services millions of mortgages, many on behalf of XXXX for XXXX such as myself, and many people are receiving loan modification offers, it makes one wonder if Nationstar 's attempt to capitalize ineligible money is just a one time mistake in my case, or is there a system in place where Nationstar routinely adds ineligible fees or payments never made on behalf of borrows to the loan balance. 
signed //in limbo//

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: GA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: DE

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX 1 XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
{$1200.00} or XXXX which one is it? 

Going in updating wrong payment amount.. I have screen shoot and photo evidence of them through the months Ive called to settle/ pay in full they company did not want to accept payment Threatening to Leave on consumers 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 2021-11-15 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: TN

Complaint narrative:
To whom it may concern : I am filing this complaint because on XX/XX/2021 there is an authorized hard inquiry on my Equifax credit report. Before I decided to file this complaint, I did confirm through the annual credit report website that this was indeed a hard inquiry. Also I am 100 percent certain that I did not authorize this or apply for credit. The bank / lender that initiated the credit inquiry XX/XX/2021 is XXXX XXXX I attempted to rectify this situation with them but after speaking with the fraud department, I was told that they don't have access to credit files and that the company would not be able to help me. Also, I contacted Equifax. I received conflicting information from Equifax. Although their site says that disputes can be handled over the phone, online or by mail, I was told by a supervisor that they don't handle disputes and that I should contact the FTC. The FTC 's website connected me to the CFPB for assistance. I take my credit very serious and I feel it is an unfair practice for XXXX XXXX to initiate this inquiry on my credit report. Once last thing that I will mention is that I checked all 3 credit agency reports. XXXX shows a XXXX XXXX  soft pull on the same date and there is no XXXX XXXX inquiries on XXXX. Weather intentional or in error, I am simply asking for help to get this fixed. I look forward to your reply. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted on XX/XX/2021 a letter, FTC report, and 15 USC1681c-2 block info. I have an identity theft with an account on my Consumer Report with XXXX and Equifax Only XXXX XXXX XXXX ( ALLEGED ORGINAL CREDITOR ) XXXX XXXX XXXX This agency is in violation of 15 USC 1681c-2. A consumer reporting agency should block an remove the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This account is still reporting on my account and they have all of the information that need and its been 6 days since they received the letter. 
I demand this account be removed/deleted asap because of the violation and I know under 15 usc 1692k XXXX I get {$1000.00} per violation. SO i am demanding deletions/removal of this account or im seeking monetary damages.

Company response to consumer: Closed with explanation