vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
On XX/XX/2021 LoanCare/XXXX  XXXX offered me a Flex Modification Trial Period Plan. I sent the first payment in by XX/XX/2021 and then spoke with a Loancare agent ( who called me ) to confirm I was accepting the Trial Modification. I then made the next payment by XX/XX/2021 ( per the Modification agreement ). On XXXX XXXX I was informed XXXX XXXX sold my loan to a private investor and would transfer on XX/XX/2021. 
I then confirmed with XXXX XXXX ( the new loan servicer ) that they would honor the agreement. Unfortunately this was over the phone. In the mean time I received one last statement from Loancare with a note in the Important Message section that states : Notice Regarding Loss Mitigation : Program participation was agreed to. I have made all the trial payments on time. However once the final payment of the trial was made I did not receive a Loan Modification Agreement from the new servicer as stated in the agreement from Loancare. XXXX XXXX has a note that says my payment is XXXX ( which is to be the new payment per the Modification ) and this is the amount I have paid during the past 3 months. However I am now receiving notices saying my account is severely past due but nowhere does it reference my modification plan. Additionally the last payment of the trial period has been paid however I have not received the Loan Modification Agreement as stated in the Flex Modification Trial Period paperwork.

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 2021-10-26 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:
Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize compliance in this investigation. I have also mailed all respective CRAs with my notarized identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept. of Ed/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AC AutoPay LLC, Denver, CO Branch
State: CO

Complaint narrative:
I applied for a loan thru autopay. I signed the loan XX/XX/XXXX however I received a copy of my loan documents and they were backdated to XX/XX/XXXX. The lender they found me was partner XXXX  XXXX XXXX and they are charging me interest from XX/XX/XXXX and showing me in default of the loan. they did not fund the loan until XX/XX/XXXX. 
I have messaged the loan officer repeatedly and requested a number to call because he has been unable to help me and he tells me he will have someone call me in which has not happened. the credit union claims that autopay has to correct it and says they cant help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : 1. XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/2020 XXXX. XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I contacted Radius Collection Services on three occasions to work out a settlement they refused to take my money. In addtion, the previous person was not willing to assist me. I have contacted XXXX on the multiple occasions to work out the balance of $ XXXX {$620.00} NEGATIVE

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 2021-10-26 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Portfolio Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NH

Complaint narrative:
Credit reporting agencies are in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Assets is trying to recover a debt which i fell behind and eventually stopped paying on over 5 years ago. They tried to renew the debt and charge me interest and state that I opened up the account last year. They are putting false information out since we have a statute of limitations here in South Carolina of 3 years and trying to renew a zombie account to report it as new debt. This is a dishonest business practice and I am trying to get this removed from my report as I have already paid the price of having higher interest rates and poor credit as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Hi, I am a mom of XXXX sons. We had a family plan on our XXXX account for many years while they were young. I called XXXX after they were old enough and we separated the accounts, different addresses. 
my son kept up the account on his own as he was XXXX through XXXX and paid his bills on time, however, he moved to XXXX, and did not pay last bill... I had no idea..he had no idea and no-one EVER called me about it and I have been with XXXX and STILL AM after 20 some odd years and ALWAYS PAID MY BILLS ON TIME!! 
purchasing the newest phones etc and never told about this discrepancy. 
yet, I just open a credit report and i see that this is in collections, has dropped my credit score since XXXX 2021 and I'm livid, as I am trying to buy a house ... MY credit was impeccable, yet this dropped drastically ... I just called JEFFERSON CAPITAL SYSTEMS and paid this {$180.00} debt with my credit card..conf. number XXXX ... 
whether it belonged to me or not..my credit is important. this company is not dealing with public fairly... and they were not very nice either... PLEASE SEE THAT THIS IS ERASED OFF OF MY CREDIT REPORTS... this is unfair, XXXX is underhanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
In mid XXXX I had requested that the PMI on my mortgage with Specialized Loan Servicing be removed. My home was completely renovated and have approx 60 % equity. My 1st request was in mid XXXX via a phone call. SLS then sent me a letter dated XX/XX/2021 stating that according to their research, I only have 16 % equity. The letter also stated that if I wanted to have a BPO or appraisal completed, I needed to fill out and sign the authorization included w/ the letter and fax or mail it back to them. I filled it in, completed the question about any major renovations/updates, signed it and faxed it back on XX/XX/2021. On XX/XX/2021 I called and spoke to XXXX at SLS. He confirmed that the authorization that I faxed was received on XX/XX/2021 and told me that it could take up to 30 days to review and if needed, a broker or appraiser would be in contact to schedule a time to look at the house. As of XX/XX/2021 I sent SLS a message through the message center explaining that I had not heard from anyone ( I thought I would have had a message or a call from an appraiser by this time ), and could they provide me an update. On XX/XX/2021 I received a message that they had received the authorization ( but no other update ). I sent a message back on XX/XX/2021 and asked for specifics on what was going on and when I should hear from someone. On XX/XX/2021 I received another message from SLS stating that a signed authorization was required before they could review the file and schedule a BPO/appraisal. Once again, I sent a message ( on XX/XX/2021 ) that the authorization was already sent and 2x SLS confirmed that it had been received. On XX/XX/2021 I received a message from SLS that a decision letter was sent to me on XX/XX/2021 and I should refer to the loan and document section to see a copy of it. There was no such document sent on XX/XX/2021 ( the letter was sent to me on XX/XX/2021, not XX/XX/2021 ). Based on the last 2 messages from SLS, I have to assume they aren't even reading my messages or looking into the request. It's been over 2 months since my request and I continue to get the run around from SLS and continue to have to pay the PMI on my mortgage. Even if I hadn't renovated the house, AZ property values have increased 25 % in the last 12 months in my area. I have sent them all docs required. My experience with SLS in the past has been similar. They do not address questions or issues in a timely manner.

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 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX XXXX XXXX  is trying to recover a debt which i fell behind and eventually stopped paying on over 5 years ago. They tried to renew the debt and charge me interest and state that I opened up the account last year. They are putting false information out since we have a statute of limitations here in South Carolina of 3 years and trying to renew a zombie account to report it as new debt. This is a dishonest business practice and I am trying to get this removed from my report as I have already paid the price of having higher interest rates and poor credit as a result of 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 2021-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
I have been receiving constant emails from XXXX first saying I was approved for a loan and now saying I owe them money and in collections. I have never applied for a loan with them. I have emailed and called. When I call they ask for my SSN to " help '' me which I refuse to give. This is not showing up on my credit report so I don't think anyone took the loan out in my name, however, I need assistance in getting them to stop contacting me. 

I have attached examples of emails I have received. I have many more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CT

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Has placed the exact same Odious Debt upon my Credit Reports, which I just recently compelled them to remove from my credit reports. They agreed in writing here to the CFPB, Consumer Adjustment Company , Inc. ( CACi ) has requested the validation documentation related to this account from the creditor. Once this information is received it will be forwarded to you. Attached with this response please find a copy of the initial notice that was sent to you via United States Postal Service. This copy has been redacted to protect your personal information. As a courtesy, while we await the documentation from the creditor, CACi has sent notification to the credit reporting agencies to remove this account from your credit report. Please allow up to 30 days for the credit reporting agencies to update their records. Should you have any questions or need further assistance, please contact our office directly at XXXX or email us at XXXX. 

Yet, in less than 2 weeks after removing the fraudulent debt, they criminally placed the odious debt back on my credit reports! They have never contacted me writing to validate the alleged debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
I Would like to sincerely asking you to help me To get fixed on all my credit Report Which is on XXXX and XXXX XXXX and XXXX it shows negative account activity this account its called kick off landing LLC Which was very confusing and I try to call them more than 20 times and dispute them with all the Creditor and they told me they can not do anything for me I pay them on time everyones was one dollar and it says here I have a late payment and it says I cant is paid and closed so its very confusing will you please sincerity helping me and make correction thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, Midland Funding was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail. 
On XX/XX/XXXX, I received a response from Midland Funding regarding my request for debt verification. Within the response from Midland Funding it provided a letter from " XXXX XXXX  '', the alleged original debtor '', that " Midland Funding, LLC. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " XXXX XXXX  '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information.

In addition to the letter from the alleged original creditor, Midland Funding LLC., also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that Midland Funding does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that Midland Funding created the letter aforementioned on their own behalf. I investigated a " XXXX XXXX  '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " XXXX XXXX XXXX  '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that Midland Funding LLC. consider this complaint and agree to the fair resolution requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Hi My name is XXXX XXXX, The company name is Ally Financial Account number is XXXX There were complaints about this company. I paid this from XXXX through XXXX payment XXXX a month XXXX down payment. The total amount add up to XXXX. In XXXX I had financial problems I filed bankruptcy. 
The car was almost paid off my husband the veteran I was stressed out. 
I didn't add the payments until now 10 years after the bankruptcy the car was paid off back in XXXX. The payments was already paid for ownership for this vehicle. 
Last Friday I got a call from Ally Financial and he said, he was surprise I took the call, I told him I paid the car off I didn't need to hide. I went back in books My XXXX  showed that I made payment from XX/XX/XXXX XXXX up until XXXX that total XXXX down payment was XXXX 
Ally had complaints because I received this letter from CFPB DATED XXXX XXXX ALLY FINANCIAL COMPLAINT this is just another one I paid the car off and they talk reprocessing my vehicle after i paid the car. I wrote show proof of payments.

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