vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
In XXXX of XXXX, I viewed my credit report and started making positive strides towards paying off delinquent charges and debt. In XXXX of XXXX I called the number listed on my credit report which was XXXX XXXX XXXX XXXX. The representative that I initially spoke to informed me that the Paypal debt of {$710.00} was forgiven and that I could not pay it off even if I wanted to because they were no longer collecting. In addition to this, a 1099-C would be sent to my current address and I'd have to take care of once I filed taxes. I waited until XXXX of XXXX to receive the 1099-X and never received it. I called back multiple times afterwards. One representative XXXX XXXX XXXX ensured me in XXXX that the form was mailed out and that I would receive it the following week. I never received it. The representative that I talked to on XX/XX/XXXX was the most helpful and sounded the most concerned about my issue however, I am now entering a critical time where I now NEED the form. The Paypal representative today XXXX XX/XX/XXXX ) that paypal stopped reporting it to the credit companies on XX/XX/XXXX. This is not true. This debt is being reported as of XX/XX/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 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
This company keeps calling me to collect a debt that is no longer owed. Chapter XXXX was filed months ago and I should no longer be getting these phone calls. I have asked them to take me off the list and they just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Please see complaint XXXX The company has not fixed our credit and did not remove the negative 90 day late payment reported through XX/XX/2017. 
We have never made a late payment. Our loan was transferred and they incorrectly reported to credit agencies a 90 day late payment. We were in forebearance and have never made a late payment. We were blocked from making payments until they removed the forebearance. Once they removed the forebearance, this erroneous 90 day late payment was recorded in XX/XX/2017. Please remove the XX/XX/2017 90 day late payment from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: T.S. Holdings
State: TX

Complaint narrative:
Greetings, In XX/XX/2020 I mailed a " Pay In Lieu of Deletion Letter '' certified return receipt to I.Q. Data International. It is now XX/XX/2020 and I have not received a response of any kind from I.Q. Data in response to settle this debt. XX/XX/XXXX has deleted this item months ago from my credit report after completing their investigation however I disputed it with XX/XX/XXXX XXXX XX/XX/2020 ) and the dispute result was an Update not a deletion. I am confused I followed the proper protocols in validating the debt, requesting proof that I.Q. Data has the legal right to collect here in TX however I am left to wonder if they do not actually have a right to collect here in TX at all and perhaps they have provided false misleading information to Consumer Finance and myself. I am requesting a full thorough investigation as to IQ Data 's " legal right ' to collect this debt in the state of Texas because I have not received any progressive/ forthcoming honest communication back from IQ Data attempting to resolve this debt they have claimed/validated that I owe. 

I would like to file a complaint against XX/XX/XXXX for not properly investigating and deleting this and against I.Q. Data for claiming they have a right to collect debt here in the state of TX however did not in good faith respond to my " Pay in Lieu of Deletion Letter ''. I am left to believe that I.Q. Data is fraudulent and XX/XX/XXXXas well for not doing their due diligence to correct this they are behaving in a malicious manner acting as cohorts intentionally causing damage and harm to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: The Bureaus, Inc.
State: GA

Complaint narrative:
The Bureaus INC who had my account with XXXX XXXX was paid off. They are not removing the Debt from my credit reports ; XXXX XXXX or XXXX. I have filed disputes as well. It is showing that 0 % was paid off. Bureaus INC sold the account to XXXX XXXX and I settled the debt with them for {$710.00} and it was drafted from my acct XXXX XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: SC

Complaint narrative:
Procollect collection agency refuses to remove or put into a closed category a previously paid collection. It remains in an open status on all my credit bureaus. I previously asked the CFPB to assist and Procollect provided a response which they never followed through with. I'm a XXXX XXXX XXXX Veteran and this open collection is impacting my benefits.

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 2020-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient, formerly Sallie Mae, has called and threatened to break into my home and steal my college degree from me if I didn't pay this loan. I have a recording of the phone call. This loan is fraudulent. I have several police reports about it. The statute of limitations to collect on it is also up. I am telling Navient they need to stop contacting me about this loan and have no one else ever contact me about this loan again. The information of who took this loan out is not mine. It isn't even my name on the loan papers that Navient sent me. They are now evidence in my police records. The loans my dad XXXX XXXX took out with me as a cosigner are already paid in full. He did not take out a loan pretending to be me. This loan is fraudulent. The only loan with my father XXXX XXXX 's name on it was a loan he co-signed on with me and again it's paid in full. So sending me loan documents stating my father XXXX XXXX took this loan out is ridiculous. Remove this lian from my account and do not ever contact me again about these loans and do not have anyone else ever contact me again about these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Application was made on or before XXXX ( online through Quicken Loans aka Rocket Mortgage ) ( with disclosure about Child-Support income from my fianc ( XXXX XXXX ) Pre-Qualification was received on or before XX/XX/20 On or after XX/XX/20 Email was sent to XXXX XXXX ( MLO ) requesting clarification on the approved loan amount vs the max FHA allowable limit for XXXX XXXX , County. 
MLO ( XXXX XXXX ) responded stating that due to Debt-to-Income ratio we would not be approved for the higher loan amount. 
We submitted the following : 1. Original and current Court-Ordered Child Support reflecting a monthly award amount of $ XXXX/Mo. ( Only receives $ XXXX monthly ) 2. Bank Statements reflecting the consistent weekly deposit and proof of receipt for the last 3 years. 
3. Proof that the Child Support would continue for the next 3 years for the remaining children under 18 ( One child is XXXX and the other is XXXX ) 4. XXXX FHA Guidelines reflecting the allowable use of Child Support as a viable source of income as long as the above requirements were met. 
XXXX XXXX and processing staff communicated that the Child Support income was disallowable due to Quicken Loans/Rocket Mortgage Guidelines regardless of the fact that this is an FHA Insured loan. They stated that as the Lender they have the discretion to allow or disallow the use of an income source as per their internal policies and procedures. 
As a result of the disallowance of this income we had to purchase a home in a less desirable neighborhood and school district for XXXX XXXX children. 
As a result of the disallowance of this income we were told that the DTI ratio and credit score did not allow us to qualify for the lower par market rates. 
We incurred over $ XXXX in origination and discount points in order to close this transaction which represents over 4 % of the total loan amount. 
We believe that we were discriminated against due to this income type not being preferable to the Lender and also the fact that we are an interracial couple to boot. 
We have combined income of over $ XXXX and should have qualified for the higher loan amount thus allowing us to purchase our originally desired home in the better school zone district. 
We are alleging that Fair Lending Guidelines have been violated including overt discrimination and as a result disparaging impact. In addition, we intend to file a complaint with the OCC, FRB and the CFPB for UDAAP violations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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:
I have attempted to dispute a bankruptcy on my credit report for over a year. I have had zero luck with Equifax, in fact they keep telling my that it was verified by XXXX XXXX, yet I have a letter from XXXX XXXX stating they removed it due to not being able to verify the account. I have wrote Equifax via certified mail on the following dates : XX/XX/XXXX XX/XX/XXXX ( As well as many others that I can get dates for ) and have had zero luck. 

I have also attached all of their replies to my letters stating they supposedly verified it with XXXX XXXX. If this is not fixed, I am having my attorney file in court immediately as the paperwork is already started.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
In or about XXXX/XXXX I cancelled a cell phone I was on month to month with through XXXX, but was still being charged monthly for the bill. I was sent to collections and disputed it and won. It was removed from my Credit. Approximately 4 or 5 years later it was put back on my credit, I disputed it and even had to go to the Arizona Attorney Generals Office to have it removed as not only was the charge not legitimate since I was being charged AFTER cancelling the month to month phone, for several months with the phone being shut off, but it was past Arizona Statute of Limitations Law ARS 12-543. Limiting the collection of a non contractual debt in AZ to 3 years. After the AZ AG was involved they had it removed from my credit, and now all of a sudden with no warning, no call, no mail, nothing, it is back on my credit report. The Supposed " debt '' is now over 7 years and violates AZ state law and violates the FDCPA laws. 

XXXX XXXX. Oral debt ; stated or open account ; relief on ground of fraud or mistake ; three year limitation There shall be commenced and prosecuted within three years after the cause of action accrues, and not afterward, the following actions : 1. For debt where the indebtedness is not evidenced by a contract in writing. 

2. Upon stated or open accounts other than such mutual and current accounts as concern the trade of merchandise between merchant and merchant, their factors or agents, but no item of a stated or open account shall be barred so long as any item thereof has been incurred within three years immediately prior to the bringing of an action thereon. 

3. For relief on the ground of fraud or mistake, which cause of action shall not be deemed to have accrued until the discovery by the aggrieved party of the facts constituting the fraud or mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
i have sent THREE CERTIFIED LETTERS advising there are numerous inquiries that were not authorized and fraudulent and Transunion continues to not only ignore my certified letters and not respond they still refuse to remove the inquiries I did not authorize that is having a negative effect on my credit rating. I have sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I have no knowledge of this account. I never received any notices regarding this account. This is listed as medical and violates HIPPA. I want this removed.

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 2020-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Sir : I have had a Walmart credit card for many years. I am in XXXX XXXX  and do travel oversea at the least six months out of a year. I put all my credit cards, including Walmarts, on automatic payments to avoid any issue. This worked very well for years. I have never had delinquent payment and maintain a sterling credit. In XXXX of this year, out of blue, I received a delinquent notice from Capital One, apparently the new financial institution handling Walmart credit card. I have never received a statement nor any notice from Capitol One. They demanded immediate payment for my charge ( only one charge for gas ) plus penalty and interests. In addition, they threatened additional penalty and interests. I was out of the country at time. My secretary informed me of the notice. I went on the Walmart credit card website to check. I was not able to log on. It flashed a message stating that there was technical problem with the website. I decided to go ahead paying the charge to avoid further problem and the additional fee and interests. I planned to deal with the issue upon my return to the States. I authorized my secretary to pay the {$20.00} charge for gas I purchased in XX/XX/XXXX, plus a {$20.00} late fee, and {$0.00} interest by a bank note. I was only able to return home recently due to the worldwide pandemic. I called the credit card customer 's service ; first spoke to an intake person, XXXX, later to a supervisor, XXXX. I was informed that Capital One has taken over my account from another bank. They had problem transferring all the accounts, especially customers with automatic payment. My problem was not unique. I should have signed on with Capitol One which I did not know and could not have done so. They also informed me that they had sent me a new credit card which I never received. I was not informed of the bank change nor given permission for the change. Furthermore, it is my understanding that this change had gone on for many months in XXXX and they had no problem receiving my automatic payment until XX/XX/XXXX. I requested that I am to be refunded the {$20.00} late fee and the {$0.00} in interest. It is more a matter of principle than the amount of money. This is totally a Walmart and Capitol One issue. I am a loyal and conscientious Walmart customer who is being penalized for their internal problem. Yet, I was informed that since I PAID the penalty and interest, there is no way I can get the disputed money back. This is the most unscrupulous answer I can think of ; hence, this complaint. I hope you will investigate this matter and resolve the issue. Since I am not the only customer who is having the problem, as I was informed by both XXXX and XXXX, I wonder how many similar customers Capitol One had taken advantage of. This can be a lucrative scam. Thank you and sincerely, XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a new XXXX XXXX XXXX at the XXXX XXXX dealership [ XXXX XXXX XX/XX/XXXX XXXX -- XXXX, TX XXXX ]. I arrived at the dealership at around XXXX XXXX, but I was only able to leave the dealership with the new car at around XXXX XXXX. 
During the long negotiation with the sales person I was promised a certain car, with a set of accessories, for a certain price. Needless to say, I was very tired by the time I was invited to sign all the papers, and in fact I asked the financial agent there if any client had ever asked them to have the paperwork printed ( it's all digital now ) and read before signing them. The stated that only a very, very few do. 
Before I proceed, please notice that I had no interest in any of those accessories which supposedly came with the car ( for example, I did not receive a " certificate '' for the so called RESISTALL application ), but I was told that I would be given a discount to close the deal. Noted discount would essentially deduct the value amount of those unwanted accessories from the final price, bringing it back close to its MSRP figure. That sounded attractive, however the car color combination I chose wasn't readily available at that dealership, so it had to be brought in from another place -- which is what happened ( I have copies of the two different estimates -- both, however, amounting to around US {$27000.00} ). 
A few days later, while trying to register my new car in the Honda Financial Services website, the system would not recognize the vehicle VIN number, so I called the dealership. I was told that the contract was still being processed ( which is odd ). So I went back to the paperwork copies I had been provided that Friday late evening. To my surprise, the amounts were all out of place, out of sequence, and some items were MUCH different from what was agreed by me. The RESISTALL, for example, was offered ( more of an imposition, in fact ) at US {$490.00}, but it now showed as US {$1100.00} in the financing papers ). All the license fees were now IN ADDITION to the agreed total price, whereas they were included before, etc. Further, a new line " amount paid to other on your behalf = US {$420.00} '' showed in the final papers. Noted amount was not seen in the initial proposal ( which both parties had previously signed ). I contacted the dealership, but they only offered to refund me the " RESISTALL '' amount *difference* of US {$630.00}. However, besides all the time I've spent with this issue, all the grief, if I account for all the taxes, fees, and " amounts '', the total difference seems to be US {$1400.00} instead. Not to mention that said amount is now part of the financed total -- and I'll pay interest for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are numerous accounts listed on my credit report along with inquiries that I did not authorize or initiate. This was a result of an error or malpractice.

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 2020-11-06 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: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/2019 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 new car of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
In 2015 I was approved for a car loan ; Credit acceptance the loaner. 
The car was a lemon and after two year of financial hardship, called the company to turn the car in and have no more payments. 
Owed on the loan {$2000.00} which I could not pay because of loss of job. 
Last payment made XX/XX/15 of {$220.00} The company is still reporting me thirty days late and now owing {$8700.00} Please help me, its ruined me.

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