vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: VW Credit
State: CA

Complaint narrative:
On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from Volkswagen XXXX for an Audi XXXX XXXX. The outstanding balance was XXXX which VW told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, VW reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by XXXX points on XXXX XXXX XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by VW for the Account # XXXX. I reached out to both XXXX and VW, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I was unemployed as of XX/XX/XXXX. I requested a forbearance due to Covid and have submitted all the paper work. I have applied for unemployment in the State of GA on XX/XX/XXXX and submitted my 1st claim on XX/XX/XXXX. After submitting the paperwork I was told that since I have not received an eligibility letter I would not qualify for forbearance. The GA Dept. of Labor has my status as pending for eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
The bank chime I signed up for a credit builder soon as I signed up for credit builder they started transferring without my permission the money I was putting into my regular checking was automatically getting transferred to the credit builder to a secured account that only they can touch and not me and this went on until I caught it and they have not done nothing for me Im not giving my money back they stole my money there is Adjustments for no explanations and my money just gone it doesnt add up to the withdraws to the deposits nothing adds up Just negative results and my money is out of sight

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hello, I received a copy of my credit report and to my surprise I seen a collection account on my report from Portfolio Recovery for {$460.00}. I have never had an account with this company. I have contacted them serval time to confirm that the account belongs to me. I have asked for documents that has my signature on them and there proof of verification. It's been three months and still I have not heard anything from them.I would like your help with getting this resolved. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
I opened my mail and noticed that I was sent a Letter for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.

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 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
Convergent outsourcing is trying to benefit from my identity without my consent an I do not know them and have never done business with them. I ordered my free credit reports an seen that they are alleging that I owe them XXXX dollars. I do not owe Convergent Outsourcing XXXX anything and this is a written refusal to pay. I have never gave them hand written consent to furnish anything on my consumer report. Also during the initial communication they never gave me the 5 thing I need pursuant to 15 usc 1692g validaon of debts law.

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 2021-04-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian disputed and account twice XX/XX/2020 and XX/XX/2020 with XXXXXXXX XXXX reporting inaccuracies on and account it says I had and deposit related account 1month term which XXXX was written off XXXX is past due and 10 charge off Experian refused to remove the error stating that they just report what the company sends I explained to Experian you can't have an account with a one month term have a written off amount an past due amount and 10 charge off on the same account and it all be correct they refused to remove the inaccurate information and it has to be disputed a 3rd time they are in violation of the ftc rules XXXX XXXXXXXX was disputed as well same information provided error not 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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
The account opened here was opened fraudulently and I was a victim of identity theft leading up to this. The amount of {$3000.00} is not mine to pay off because someone else who abused my trust put in some fake checks that he created, I don't know how, and demanded I put it in my account. The info that is shown on Early Warning database is inaccurate and needs to be removed as I'm not responsible for it as the person who did this is already in prison facing fraud charges. Account number XXXX and XXXX are not mine because I was forced to open them. 
I ask that the XXXX XXXX forgive this and remove this off my report as it wasn't my fault and I was a victim of manipulation and I was barely XXXX and my mind wasn't fully mature yet so I didn't understand what was going on. 
I also ask that the checking account fraud report be removed too as I did not do it but was rather a friend who abused my trust who committed that crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MA

Complaint narrative:
Since XXXX, our property has been refinanced three ( 3 ) times with various mortgage lenders with each lender certifying as part of the loan closing process that flood insurance was not required as the property was not located in a SFHA. 

Most recently, our property was refinanced with XXXX XXXX XXXX ( XXXX  ) and the loan closed on XX/XX/XXXX. The loan was then subsequently transferred to AmeriHome Mortgage for servicing on XX/XX/XXXX. As part of the loan closing process, XXXX certified XXXX flood certification # XXXX XXXX that the property was not in a SFHA and hence no flood insurance was required this certification was less than two months ago and is reflected in our closing documents. AmeriHome Mortgage cites Please see the information below in chronological order : - My property was refinanced and closed with no issues on XXXX with XXXX XXXX XXXX XXXX XXXX " XXXX '' ) - On XXXX, I received a " Notice of Service Transfer '' stating that the new servicer of the loan is AmeriHome Mortgage Company , LLC ( " AmeriHome '' ).

- On XXXX, I received a letter from AmeriHome requesting proof of flood insurance. 
- On XXXX, I received a notice from AmeriHome stating that flood insurance was required for the property since it was in a Special Flood Hazard Area ( " SFHA '' ) and that the notice was considered as an attempt to collect on a debt. 
- On XXXX, I responded to AmeriHome via certified letter that there was an error and that the property has not been in a SFHA since XXXX based on a new FEMA FIRM being issued and notification from my mortgage bank at the time, XXXX, that flood insurance was not required as the property was removed from the SFHA. 
- On XXXX, I received another letter from AmeriHome stating again that flood insurance was required without response to my certified letter. 

Bottom line, a mortgage loan was made to me in XX/XX/XXXX and as part of the closing process, certified that flood insurance was not required. Two weeks later, a new servicer states otherwise which is suspect and in my mind appears to be a money grab and violation of Federal law in that due diligence was / should have been conducted during the closing process prior to providing the loan and certainly, if this issue was outstanding, kicking it down to a new servicer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
****This will probably be your MOST MAJOR case out of all your investigations and this should be elevated to the highest levels at CFPB. 

The synopsis is this : The credit reporting agencies are committing a fraud on the public AND must be investigated by CFPB and this issue must be disclosed to Congress. The credit reporting agencies are selling credit products to the public and providing FALSE credit scores paid for by consumers, yet, at the same time, these same credit reporting agencies are providing a completely different product to lending institutions which list completely different credit scores. So, bottom line, the credit reporting agencies are providing two sets of credit scores - one for the public and one for business. There should ONLY BE ONE uniform credit score. The question becomes, which credit scores are real and which are fake? Can the credit bureaus sell fake information and pass it off as real?

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 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
My conventional mortgage loan has been with Ameris Bank Mortgage Services since XX/XX/XXXX. 

More details : Loan details Original loan amount {$210000.00} Original loan date XX/XX/XXXX Maturity date XX/XX/XXXX Current interest rate 3.5 % Loan type CONVENTIONAL RES WITHOUT PMI Payments throughout the life of the loan, and before, when serviced by another company, have been mailed and received on time. 

Only with the historic and unprecedented degrading of our post office delivery system, has the bank not received an on time payment. My delays began in XXXX of XXXX. 

Steps taken to correct the late payments : 1. Switched to autodrafting electronic payments beginning XX/XX/XXXX 2. Askes for and received one late payment refund for XX/XX/XXXX. 

These actions were taken without a single communication from the bank on the slowdown in service or any other communication prompting my actions as suggestions. Immediately i started receiving twice weekly annoying phone calls demanding payment. No acknowledgement of my previous on time history given. 

I still have late payments for XXXX and XXXX that should be forgiven but are being refused. Thus my compliant : how can consumers be put into such an awkward and helpless position? 

Ameris Bank does not deserve my business over the way they have not managed this situation. 

I completed my objective entering this compliant. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage was sold by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to Nationstar Mortgage XXXX d/b/a Mr. Cooper in the middle of XX/XX/2021. I received a notification latter about this dated XX/XX/2021. The sale happened when I was selling the house, and the house was already in escrow. My escrow agent and myself had submitted multiple requests to Nationstar Mortgage XXXX d/b/a Mr. Cooper to provide the payoff statement and routing information to close the sale, but still did not receive the requested info. The requests had been submitted in XXXX and in XXXX. Despite all the efforts and an obligation to provide the payoff statement within 7 days from the request, Nationstar Mortgage XXXX d/b/a Mr. Cooper continues to claim that information is not available. It is obvious that the actions of Nationstar Mortgage XXXX d/b/a Mr. Cooper can be qualified as a refusal to accept payment. As a result of this delay, I am loosing money paying for the house for which the buyer already deposited money in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from XXXX XXXX for an XXXX XXXX XXXX. The outstanding balance was XXXX which XXXX told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, XXXX reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by XXXX points on XXXX, XXXX, Transunion as result of this irreparable damage to my credit profile. I demand that this be addressed by XXXX for the Account # XXXX. I reached out to both XXXX and XXXX, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.

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 2021-04-06 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: CA

Complaint narrative:
On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from XXXX XXXX for an XXXX XXXX XXXX. The outstanding balance was XXXX which XXXX told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, XXXX reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by 100 points on Equifax, XXXX, XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by XXXX for the Account # XXXX. I reached out to both XXXX and XXXX, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from XXXX XXXX for an XXXX XXXX XXXX. The outstanding balance was XXXX which XXXX told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, XXXX reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by 100 points on XXXX, Experian, XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by XXXX for the Account # XXXX. I reached out to both XXXX and XXXX, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.

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 2021-04-06 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: FL

Complaint narrative:
Misreported balances on the XXXX XXXX XXXX account listing 2 accounts. Wont remove and wont help. keeop giving me the run around wont let me dispute. reporting wrong payment history i dont have two mortgages please remove or give me an address for my attorney to contact and email and phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
Today, XX/XX/XXXX, I received a notification that a company by the name, XXXX XXXX XXXX and XXXX XXXX, supposedly a collection company, wants {$580.00} collection from me. 

This is information is fraudulent, I need help disputing this charge. I did not open any account with this company and I did not authorize anyone to use my information to open an account with this company. 

Tried to reach out to the company but they dont have a customer service or a fraudulent center. 

On a side note, I did not use my maiden name since XXXX, after my marriage. And I moved from North Carolina back in XXXX. 

Please help to fix this fraudulent activity and repair my credit.

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