vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, XXXX XXXX XXXX XXXX ( XXXX ), to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. 
Fast forward to XX/XX/XXXX. I received a letter from XXXX stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called XXXX to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup XXXX false information because Ive always had XXXX and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. 

I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. 

I tried placing a claim with XXXX and Experian but they sided with 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 non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX initiated a securities instrument under the guise of XXXX XXXX XXXX XXXX as a corporation organized, and existing under the laws of New York. XXXX  was never a registered XXXX or XXXX in NY XXXX at the time of issuance. T he Assignment of Mortgage XXXX XXXX XXXX XXXXXXXX XXXX, successor by merger to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When XXXX was assigned this note on XX/XX/XXXX they went into the NY XXXX Division to register XXXX  on XX/XX/XXXX fulfilling the deception that XXXX admitted int eh lawsuits that were carried out in the Great Recession of XXXX ' the Biggest Scam in American Real Estate. This is " XXXX XXXX ''. The Note and Mortgage are void because the alleged XXXX XXXX XXXX XXXX XXXX stated to be a New York Corporation, was not in fact incorporated in the year XXXX or subsequently, at anytime, by either XXXX XXXX XXXX, or XXXX or any of their related corporate entities or agents. XXXX XXXX XXXX XXXX, and its predecessors in interest had no right to receive payment on the mortgage loan because the loan was invalid and therefore void because the corporate mortgagee named therein, was non-existent, and no valid mortgage loan was ever held by XXXX XXXX XXXX XXXX or its predecessors in interest. The alleged assignment of Mortgage which purported to transfer interest in this mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as assignee was invalid because Mortgage Electronic Registrations Systems Inc. XXXX MERS ), as nominee for XXXX XXXX XXXX XXXX had no Authority to assign the ownership interest of said mortgage because MERS was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX XXXX, an alleged New York Corporation which was non-existent Corporation. Said purported assignment was without authority, and therefore invalid.

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
Called and asked for personal information over the phone. Never given information back. Charged {$63.00} unpaid against credit report. Will not tell why they are charging that amount when you call and ask the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: MS

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX and Experian are reporting lates in XXXX, XXXX and XXXX,XX/XX/2020. ( Please see page attached from my credit report from XXXX,XX/XX/2020 ) Experian is now reporting on my most recent credit report that I was allegedly late in XXXX, XX/XX/2020. ( Please see page attached from my credit report. ) First, I was never late on this account ; and second, Experian has now changed the month that I was allegedly late. This false reporting of all late payments appearing on my credit report are incorrect and is seriously harming my credit score. XXXX is reporting correctly. I request that the late payments be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a joint account with a family member who signed for me with XXXX XXXX XXXX XXXX they kept taking more money out of my account monthly and I purposely had them get my car back because the car was junk ... .they kept charging me for a car I didn't have and have not hear from them in years now that I'm trying to get my credit fixed with XXXX XXXX now they come back putting negative comments on my credit report alot of times The credit repair people got them off the report but they came back and redid the negative so now it's still their. They are abusive and determine to ruin me and it's causing me mental breakdowns it's a nightmare with that company ... they unauthorized charges and it's different charges which is a descrepency and if that is it's gains the fair credit act and it's illegal please help me with this monster of a company

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 2021-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
not mine : FCRA violations see attachments for proof XXXX XXXX XXXX, MT, XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX, CO, XXXX XXXX XXXX XXXX XXXX, MT, XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX, TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX should not be reporting to XXXX ; XXXX and Transunion that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.

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 2021-05-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EMCC Holdings, LLC
State: IN

Complaint narrative:
I've never done business with Equiant Financial service I've been disputing this account several times attempting to remove this fradulant item from my experian credit report and they refuse to remove the item. I've repeatedly informed Equiant Financial service and XXXX that I've been a victim of identity theft and I've never done business with them and none of these entities has tooken action to resolve this issue which is affecting my life and my families life. They've broken the law and has caused me to lose opportunities to access funding for my business and credit cards for personal use

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have applied for a loan modification In XXXX of 2020. I have called regularly to see how the application is going and what I should do next. Every time I have called, I have been told not to make a payment and that it takes 60-90 days to go through. We are well past that point and 2 managers have been involved trying to get the process to go through.

I have filed a complaint and the response was for me to start all over again. They will not acknowledge that they have lost my information and keep trying to say that they have sent me packages to fill out and have attempted to contact me regarding the issue. I have not received any paperwork from them and I had 1 phone call in the middle of the day during the week ( I work full time and can not take phone calls ) I need someone to call me and leave a message so that when I get a break I can call them back to resolve the issue. I feel like what they are doing is illegal. To start this process over will only result in more back payments being added to my loan amount.

I want a loan modification and would like to start making payments in the next 30-60 days. The rate of the current loan is double the current market rate and a 40 year loan would significantly reduce our monthly payment and help us get back on our feet and keep our home.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All three Credit Bureaus Equifax, XXXX XXXX, and XXXX are violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. They are also violation my right to privacy under 15 US Code 1681 Section ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Commercial Recovery Systems
State: IA

Complaint narrative:
On XXXX and XX/XX/XXXX I had received a call from XXXX stating he was from CRS and Associates stating that I issued an online check to their client that bounced. They stated the date of the transaction happened on XX/XX/XXXX. I called the bank to check on this claim due to having closed this account years before said date and they could not locate my information or any claims. I asked the guy working with CRS and Associates to send me a letter explaining the claim and info on the collections so I can look it over and He said they would not be sending me a letter. Would not let me talk, kept cutting me off saying that they were going to file this and see me in court next week. I tried to explain that I called the bank on XX/XX/XXXX and he got loud with me saying I did not call them because he just got off the phone with them this morning on XX/XX/XXXX and hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex has been advertising monthly {$30.00} XXXX credit between XXXX and XXXX for Platinum cards. To qualify for their monthly promotional offer, I used my Platinum card to purchase gas through XXXX at XXXX. However, when I talked to them regarding the fact that I didn't get my credit for XXXX and XXXX, they told me that my XXXX spend at XXXX doesn't qualify for the offer as my purchase are considered as " Person to Person payments ''. This doesn't make any sense as I am making a purchase at XXXX rather than sending money to a person. 
Their T & C is vague on the definition of " Person to Person payments '' and my spend at XXXX should not be considered as " Person to Person payments ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX should not be reporting to XXXX ; Experian and XXXX that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.

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 2021-05-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax and XXXX  are reporting lates in XXXX, XXXX and XXXX, 2020. ( Please see page attached from my credit report from XXXX, 2020. ) XXXX  is now reporting on my most recent credit report that I was allegedly late in XXXX, 2020. ( Please see page attached from my credit report. ) First, I was never late on this account ; and second, XXXX  has now changed the month that I was allegedly late. This false reporting of all late payments appearing on my credit report are incorrect and is seriously harming my credit score. XXXX  is reporting correctly. I request that the late payments be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I attend XXXX  XXXX University and will remain in school for some time. I have told SallieMae this on multiplayer occasions and they have acknowledged this. Using and auto dialar they call me several times a day, monthly. I have talked to several associates at the company to rectify this issue and they have acknowledged I am not on an automatic dial list but I still receive collection calls. I should be in deferment because my financial position, and enrollment position has changed since these loans disbursed. Sallie Mae is breaking collection laws by not removing me from on auto dial list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2021, i sent letters to Equifax and XXXX  disputing the inaccurate information with my Bankruptcy, tradelines, name, address and job that are damaging my credit. I requested information concerning the validity of the items, as of yet i have not received anything and it was sent off certified mail/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation