vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have a car loan with Credit Acceptance Corp ( XXXX, MI ) I entered into a payment plan of weekly payments in the amount of {$130.00}. They at some point change their close of month date so although Im on reoccurring payments every week on saturdays to be auto drafted out of my checking account, the month close day aye a week before my last pay in that month. Which then reflects as a late payment on my end for that month. I have not missed a payment yet the close of month date for the company changed in turn effected hoe the report to all 3 credit bureaus. Each month they reported my account late drastically affecting my credit score and has caused me not to be able to obtain another vehicle loan with any company Ive applied for. 

In XX/XX/XXXX I expressed my concerns with the company and not 1 representative mention the companies monthly close date in XX/XX/XXXX. Called again and no one was able to tell me why, finally in XX/XX/XXXX I spoke with a representative and she explained why. On XX/XX/XXXX, I payed a week forward so that my payment would show completed in their close of month cycle and be calculated as an on time payment and asked my account can be monthly on my due date instead of weekly to insure my account is paid on time and within the close of month cycle. Since then they still have reported it late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: UT

Complaint narrative:
XXXX XXXXXXXX is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # 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 2020-03-19 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Will Not let me dispute XXXX XXXX Account with a date on report XX/XX/2019

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 2020-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I owed a balance from XXXX. This went to collections. It was to have come off my report in XX/XX/XXXX. Before that happened, it was bought by another company. Now it looks like it is a recent collection. Which it is not. Getting denied for a lot. Credit score looks worse than it should. How can they get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
We have a home mortgage with Specialized Loan Servicing on our primary residence that they maintain an escrow account for. Every year that Specialized Loan Servicing ( shortened to SLS ) has handled our mortgage there have been accounting errors that have resulted in expensive  shortfalls or sometimes surplus in the account. I have audited the account and every single year there has been an incorrect balance as follows XXXX see supporting documents for statements XXXX : XX/XX/XXXX Shortage in escrow account asked to pay {$1500.00} XX/XX/XXXX Overage in escrow account refunded {$460.00} XX/XX/XXXX Shortage in escrow account asked to pay {$380.00} XX/XX/XXXX Shortage in escrow account asked to pay {$36.00} XX/XX/XXXX Shortage in escrow account asked to pay {$4300.00} The current year shortage is more than 3 times our monthly mortgage payment. When looking at their escrow balance estimate their estimated payment to insurance was {$1500.00} when a balance of {$4300.00} was paid out. This shows that the unchanged values from the year prior were again off by almost 3x the necessary value. 

These accounting estimates are wildly inaccurate and as the homeowner I am expected to foot the bill for their failure to properly account for 2 things that are easily summed. Annual homeowners insurance premium is provided by the insurer and the county tax is paid in arrears so over a year notice is provided if there are changes made. At this point I am being asked to pay the difference in their accounting error due to their negligence. This needs to be resolved and a proper estimate in the escrow account needs to be made. When I attempted to contact SLS in regards to this issue there were no agents available and the call was disconnected. There was a recording playing to try again in 30 minutes which is not an acceptable alternative given no ability to leave a voicemail or email provided. I did also use their customer portal to submit a ticket to have them contact me regarding this issue, but my concern is that they will continue to erroneously calculate the escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: CA

Complaint narrative:
My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX  and Equifax ( some ) but not XXXX  even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. XXXX is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. XXXX  continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my XXXX  credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$650.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX {$840.00} XXXX XXXX XXXX {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX  XXXXXXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX  XXXX XXXX {$650.00} XXXX XXXX XXXX {$670.00} XXXX  XXXX {$840.00} XXXX  XXXX XXXX {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: KS

Complaint narrative:
My bank sends monthly mortgage payment ( {$3000.00} ) to Provident Funding every month on time without any issue until this month. I was not notified until I got a letter from Provident Funding on XX/XX/XXXX. I called Provident Funding and was told : 1. Provident Funding received the payment ( {$3000.00} ) on XX/XX/XXXX. 
2. The monthly payment was increased {$78.00} from XX/XX/2020 ( but I wasn't notified. ) 3. There's a {$100.00} late fee for the {$78.00} short of the payment even I paid the total in full right after I was notified. 
4. Provident Funding knew my phone number and email address but they choice to mail me the notice, which guarantee it won't be received before XX/XX/XXXX. and they can collect late fee for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: UT

Complaint narrative:
XXXX XXXX  is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I'm writing this complaint about my escrow account I had with Specialized Loan Servicing. ( SLS ). I recently received my end of the year escrow statement with SLS and the statement shows a credit of {$2.00}. My total escrow should be {$95.00} a month for my taxes. SLS was charging me {$150.00} for my taxes. A difference of {$54.00}. If i'm over paying {$54.00} I should have a credit of more than {$2.00}. On XX/XX/2020 I sent SLS a NOTICE OF ERROR letter stating I wanted to see why I only had a credit of {$2.00} when SLS was over charging me {$54.00} a month. To this date I've yet to receive a response from SLS on my NOTICE OF ERROR letter I mailed to them.The letter I received stating A refund of {$2.00} does not give me any information of how SLS determined that I had an Amount of Surplus of {$2.00}, it does state my new escrow payment of {$95.00} a month, which is correct because my taxes are the same this year as they were last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Previous complaint. Monterey Financial Is violating the Fair Debit Reporting Act and Fair Debit Collection Practices Act. They were reporting the collection account twice on my credit reports and were trying to be sneaky thinking people don't check. They have fixed my XXXX  report and I see with the last dispute they had sent it to be fixed on XXXX. But they haven't fixed XXXX. This hurt my credit for a good period of time and that's wrong and a violation. My original balance for my XXXX was {$5300.00} which I did make some payments on. Then the account was closed/charged off. Now you are trying to say you can continue charging me on a closed/charged off account that's nearly 5 years old? and charge me almost {$9000.00} in interest and fees. That's extortion! I will have my attorney reach out because your debit collection practices are against the law and you are trying triple my balance owed. Not to mentioned you have tried to collect that balance twice and damaged my credit. which I have proof of. See how that turns out for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: UT

Complaint narrative:
This is in reference to allegations put forth from XXXX Wednesday, XX/XX/XXXX XXXX XXXX XXXX. The date of last payment was made XX/XX/XXXX. which is past the statute of limitations for collection. 


2. I paid the full amount of XXXX on a purchase that was only XXXX. 


3. They didn't inform me that my payments where a dollar shy causing late payments of XXXX a month for two years.

4. Under this my payments never went down. XXXX never sent notice that this was what was happening. 


5. Contract broke by them not informing me to why my payments never decreased and always increased the amount owed.

Company response to consumer: Closed with explanation