vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
I made every one of my mortgage pays for the year of XXXX, I have never missed a monthly payment in the 7.5 years of having my mortgage. I am current now also. Indicating my character as a customer. Every month of that year ( XXXX ) Specialized Loan Servicing, has taken my escrow payment for my taxes and home insurance of {$240.00}. They have admitted this, every time I have called, ( I can provide call info history upon request ) also their own site shows this, which a representative have admitted while looking with my at my on-line account. 
I received from them a 'Escrow Account disclose statement ' that shows that I owe an extra {$510.00}. The reason it shows this is because all of my escrow payments that they took ( 12 ) are not included in the 'payment to escrow ' column on page 2 of the report. ( I will enclose a copy of ), only 10 of the payments are. Instead of going from XXXX of XXXX to XXXX of XXXX, they erroneously start at XXXX of XXXX and then go to XXXX of XXXX with in estimated pay! Its very simple, I paid in, according to their own records {$2800.00} for the year, they paid out, under 'What We Paid Out ' column {$2800.00}. I paid more in then they paid out, but they tell me I am {$510.00}!!! 
I have called XXXX 4 times, been on phone for at least 5 hours, talked with the Escrow dept, many other reps, hung up on, had this escalated, told every single time that I was correct, or they saw the error, but they will not correct it, according to them they NEVER note the account, I ask them to read notes each time I called back, and they say the notes are not there.

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 2021-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a with CAPITAL ONE AUTO FINANCE customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MD

Complaint narrative:
I had an auto loan with this company. I got out the loan by trading in a car and the loan was paid off over 2 1/2 weeks ago. Flagship has not reported this loan paid and effecting my score. 

Flagship does not accurately 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 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following phone numbers have attacked me with a phishing scam : XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX. 
( XXXX ) XXXX sent a text message to my phone, ( XXXX ) XXXX Saturday, XX/XX/XXXX at XXXX XXXX  CST with the following text : " BACKGROUND CHECK NOTICE - Someone Ran One On You, 0n Fri XX/XX/XXXX. Find Out Who ; XXXX  : XXXX '' I opened this link on a sandboxed computer ( no personal info on it ), and it was a phishing scam asking for me to put in more personal information. 
Next, ( XXXX ) XXXX sent a text message to my phone ( XXXX ) XXXX on Sunday, XX/XX/XXXX at XXXX XXXX  CST with the following text : " Re  ; EQUIFAX Has Flagged Your Account For Unusual Activity ... Please Handle ; XXXX  : XXXX '' Please investigate into the owner ( s ) of these phone numbers and website domains. This is targeted harassment, and I am worried that there is nothing I can do. Blocking them is futile, because they keep changing their phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I called commenity bank in XXXX to pay account in full. I asked the full balance including late fees. They agreed to remove a late fee if I paid the card in full that day. I Paid the balance due less the late fee as they said they were removing one of them and the balance was paid. I received a bill beginning in XXXX for {$37.00} which was the late fee. I refused to pay it as the account was paid in full. Now they've charged me a late fee again and I owe {$74.00} and they've reported it to my credit report! I called to no avail. They say I owe it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 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: NC

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have files a compliant with federal trade commission because of my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have recently challenged all 3 credit reports to the burden of proof dhow burden of proof by mail. This collector has failed to reach me under proper fcra Guidelines under law of the fcra they failed to respond backwich means that can no longer report any account, HOWEVER THEY CHOOSE TO TRY TO LIE TO ME BY SIMPLY STATING AT THE END OF MY DISPUTE IT IS ACCURATE ... ..WELL I WANTED PHYSICAL PROOF XXXX  AS WELL I WANT MAX PENALTY FOR THIS ID NOT REMOVED IMMEDIATELY. Also each account on my report is only being verified because the reporting data from Transunion is fraudulent and off. They have dropped this only on 1 report correctly which was XXXX. Please explain to XXXX  AND TRANSUNION THE SAME RESULTS. for misuse of my report i will be seeking the max possible in court. It is unlawful to report inaccurate data with my reports all 3 are inaccurate and im being abused of my fcra rights.

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 2021-01-31 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2021 I sent letter to navy federal asking them to dispute these negative late payments from my report because it was unfair and abusive to my general reputation as the consumer and at the time I have been going through hardship. They responded and said they are only allowed to report accurate information. But, that's not true they lied to me! because as a educated consumer I have read the laws of the FCRA and the FDCPA and it states in 15 USC 1692D 1 ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with collection of a debt. without limiting the general application of the foregoing, the following conduct is a violation of this selection : 1 the use OR threat of use of violence OR other criminal means to harm the physical person, REPUTATION or property of any person. I have explain to the debt collector that my consumers reports is my general reputation and that The FCRA ALSO STATES 15 USC 1681 The banking system is dependent upon FAIR and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and UNFAIR credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. My consumers reports have been indeed unfair to my reputation as a consumer I have a right to privacy and I have explain this to the 3 major credit bureaus and navy federal in the mail and over the phone numerous times. I hope cfpb is able to help me with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have 6 year in XXXX XXXX california XXXX  in XXXX. now i worked ok the first couple of years in the field i started out working for XXXX XXXX then i moved to a place in XXXX XXXX california XXXX  a place called XXXX XXXX  XXXX XXXX where i got robbed like XXXX XXXX  an XXXX  and locked out from mostly all my XXXX  i hear theres a couple of XXXX  pages that im not familiar with and 5 celphones  on my names that i also did not take out also a couple bank acounts i never created and benifits in california i never applied for i been harrast by a guy who use to work in the field with me and my brother who i think is the one who stoled my papers also some cops from XXXX  XXXX then we got pulled over by XXXX  and also took my replaced documents because he wanted money ive been tooken to jail 3 times the second my name was slighly change i asked why did you changed my name and she said it wont affect me ive tried to reach out to the authority but they say that i have to bring a credit inquiry i got it its like someone deletes information from it i have a person helping me from XXXX  holding information for me in case because i also think im getting hacked on XXXX  i applied for us passport and never recived it.when i called the place they said that my documents will be resent

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 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2020, I sent letters regarding inaccurate information being reported on my credit report and I have yet to receive a response. I am highly upset and I feel as if no one cares. Section 611 ( a ) states that a failure to investigate items within a 30 day period provides a reason to immediately remove those items from my credit report. It has been about 45 days and they should be deleted at this point. This situation has been really stressful and I do plan on filing for litigation if these items will not be removed. My information was also impacted by the XXXX  data breach and I know that it has got into the hands of the wrong person.

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 2021-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: FL

Complaint narrative:
This company MEDICAL BUSINESS BUREA hsd three accounts affecting my credit score i dont recognize. Never seen a statement yo see what they are trying to collect. I just became a resident so my social security number is new. Im just starting ny credit in this country and is already bad because of this. They just say i owe this and need to be paid. When i look for the address I've never been in that location they claim to be charging me. I did go to the hospital. The bill was very different a higher amount but when i was released from the hospital since i dont have money to pay for it specially at the moment they told me those XXXX were paid by a non profit organization ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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:
I payed off the Debt of {$160.00} to XXXX since XXXX XXXX  told me XXXX bought back the debt account so went on the XXXX to pay it off. Since Ive paid it off they told me wait a month I did and nothing now its been four whole months and its still showing on my credit report. Ive called several times at XXXX  and submitted a dispute on Equifax only to get my dispute closed. Ive called XXXX they said they cant do nothing about its up to Equifax to remove the inquiry. Please someone help me reach out Equifax for them to fix their broken system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX Citibank made an unauthorized hard inquiry on my credit report. I did not authorize this credit inquiry in any unmistakable way. I had recently opened a new credit card with Citibank with a lower credit limit than I expected. I called Citibank to inquire further about it and explicitly told the representative I was speaking with on the phone that I did not want to process a credit limit increase if it meant that it would be processed as a hard inquiry on my account. The representative assured me that the request would not be processed as a hard inquiry ; however, it was. This hard inquiry resulted in my credit score dropping NEARLY XXXX POINTS. 

I've called Citibank numerous times to rectify the situation and can not get a supervisor to speak with me. I was advised to write a letter to Citibank 's Credit Bureau Dispute Unit. On XX/XX/XXXX I wrote a letter to Citibank disputing the error on my credit report. I told them that I did not authorize the hard inquiry and to please remove this unauthorized hard inquiry from my XXXX  credit report. 

In a letter dated XX/XX/XXXX, Citibank responded and said that they " have requested that the consumer reporting agency ( ies ) change the inquiry dated XX/XX/XXXX on your credit bureau report, as you requested. '' I have submitted several disputes with XXXX  to no avail. On XX/XX/XXXX and XX/XX/XXXX, I faxed and mailed, respectively, a copy of Citibank 's XX/XX/XXXX response to XXXX. XXXX  has still refused to remove the unauthorized credit inquiry from my credit 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 non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have recently challenged all 3 credit reports to the burden of proof dhow burden of proof by mail. This collector has failed to reach me under proper fcra Guidelines under law of the fcra they failed to respond backwich means that can no longer report any account, HOWEVER THEY CHOOSE TO TRY TO LIE TO ME BY SIMPLY STATING AT THE END OF MY DISPUTE IT IS ACCURATE ... ..WELL I WANTED PHYSICAL PROOF XXXX  AS WELL I WANT MAX PENALTY FOR THIS ID NOT REMOVED IMMEDIATELY. Also each account on my report is only being verified because the reporting data from Transunion is fraudulent and off. They have dropped this only on 1 report correctly which was XXXX. Please explain to XXXX AND TRANSUNION THE SAME RESULTS. for misuse of my report i will be seeking the max possible in court. It is unlawful to report inaccurate data with my reports all 3 are inaccurate and im being abused of my fcra rights.

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 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have attempted to reach LVNV Funding on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with LVNV Funding nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile.

With that said I am demanding that LVNV funding provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: NC

Complaint narrative:
On XX/XX/2020, I sent letters regarding inaccurate information being reported on my credit report and I have yet to receive a response. I am highly upset and I feel as if no one cares. Section 611 ( a ) states that a failure to investigate items within a 30 day period provides a reason to immediately remove those items from my credit report. It has been about 45 days and they should be deleted at this point. This situation has been really stressful and I do plan on filing for litigation if these items will not be removed. My information was also impacted by the Equifax data breach and I know that it has got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX my bill for account MACY'S/DSNB Opened XX/XX/XXXX 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 mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2021-01-31 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: TX

Complaint narrative:
Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my XXXX XXXX by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against XXXX. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did XXXX. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under XXXX XXXX  name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.

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