vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was in deferral due to COVID. I was initially given the option of paying what I owed or adding the missed payments to the back end of my loan. When I wanted to add the payments to the back end of my loan I was told that option was no longer available and I would have to pay a balloon payment at the end of my mortgage of over XXXX or spread out my payment for an exceedingly long time frame. I am XXXX years old and the end of my mortgage will bring me to about XXXX. I am not sure I will have XXXX in one shot at that advanced age. I have spoken with Sun trust on multiple occasions and have made no head way. I made my 1st payment in XXXX ( that was the first payment once the deferment ended ). That went through. Then Sun Trust cancelled the XXXX payment that I had scheduled on line and barred me from making future payments. When I call, I am put in a queue saying I would be called back. The last call back just 20 minutes ago resulted in my answering and they not being on the line. I just want to resume making my payments and continuing on at the end of the loan the extra 12 payments that I missed due to COVID. As of XX/XX/2021 I received in the mail stating that they will not apply that check to my XXXX payments and also my account was placed in default of 10 days ago. They said they will not apply the payment and that they said to bring account current status they will need remit {$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 non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: MS

Complaint narrative:
i notice a collection on my credit report on last month from PHOENIX FINANCIAL SERVICES about an alleged debt of XXXX that i do not owe and the repeated, harassing calls from them on XX/XX/2021, so i sent them a letter on XX/XX/2021 requesting documentation concerning the inaccurate item they are reporting on my credit in a timely manner. i do not know these people nor have dealt with them in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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

Complaint narrative:
Credit Reporting agencies are reporting incorrection information. XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt.XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I recently checked my credit report and noticed an unknown debt on my credit report. This negative account in the amount of {$160.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.

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 2021-06-04 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The company Phoenix Financial Services LLC is reporting two collections on my credit report and after submitting several documentation proving that both of the medical balances have either been cleared or on a monthly payment plan arrangement they have not removed the derogatory marks from my report. I have received numerous calls from their company harassing me and even after I blocked their number they use other numbers to contact me. After being harassed by them so many times I decided to change my number which caused me to loose clients and lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
Midland Credit, who informed me they were acting as agent for XXXX XXXX, settled an outstanding debt for less than the amount owed. The settlement was paid in two ACH installments, External Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and External Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 for XXXX each. They have not removed this information or adjusted to show it is settled although XXXX XXXX  has updated their records. I received notification from XXXX XXXX, XXXX XXXX, that this collection account balance has increased, although how this can be eludes me. I have tried to file formal disputes on this company for erroneous reporting through the credit bureaus and was only told they met FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
As a consumer ( XXXX XXXX ) and the one who holds ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & Social Security Number : XXXXXXXX, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I sent this agency a letter on XX/XX/2021 letting them know that there are fraudulent accounts on my credit report. This agency ignored my letter and still to this day XX/XX/2021, they have not responded. I feel as if my consumer rights are being violated and I'm sick of it. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. the Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.

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

Complaint narrative:
I have been disputing 1 account since XXXX XXXX, almost a full year and the bureaus have verified the information but have never proven to me HOW they're verifying it nor have they provided documentation! Then, they stopped responding all together! In fact, this account was paid in full in XXXX of XXXX yet they're reporting it delinquent in XXXX of XXXX! This is a paid collection and I have included the paid confirmation for your reference.

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 2021-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America has frozen my EDD account. They have given me no reason for the account freeze. When asked they have told me to contact California EDD. I have contacted California EDD and they have told me there is no reason for the account freeze from their end.

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 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
Submitted a loan application with the 6 pieces of information for XXXX with Pennymac. The loan officer called me from XXXX XXXX XXXX and said his name was XXXX XXXX XXXX XXXX XXXX. He has what my credit score was, I told him I was not sure and I gave him verbal permission over the phone to pull my credit and he told me to go to XXXX. I explained I had already done that and those scores are usually 10-20 points higher than the XXXX XXXX  credit report mortgage companies use to make a credit decision. He put me on hold when I asked him to pull my credit for 10 minutes, came back and still had not pulled my credit and again told me to go to XXXX. Pennymac is my current mortgage lender and I was trying to refinance my home thru them. I asked for his name and number and the information on him was not valid, I asked for his supervisor and it took him a few minutes to get me that and was was told XXXX XXXX XXXX XXXX XXXX and I called that number and it is not valid.

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

Complaint narrative:
i seen COMENITY CAPITAL BANK/XXXX had reported a inaccurate item on my credit report on XX/XX/2021 saying that i owe them XXXX , so i sent them a letter requesting the validity of the debt on XX/XX/2021 and asking that it be sent within 30 days required by law or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
On XX/XX/2021 I sent a certified debt validation letter to Quality Asset Recovery concerning a collection account I observed on my credit report. The deadline for their response has come and they have failed to validate this debt. According to the Fair Credit Reporting Act, this company is not allowed to report a debt that has not been validated.

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 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is violation of their responsibility to protect card holders. At issue is website I paid for that was never delivered. According to the merchant 's own information it shows that the website was never completed. A simple check of going to the URL shows the website was never completed yet for some odd reason Capital One thinks they don't have to charge back the merchant for not providing the services rendered. Capital One needs to be investigated. A review on their XXXX page shows many other customers who are being denied valid charge back cases. I will be contacting attorney for class action lawsuit and the government needs to step in and audit their charge back cases to see how many people are being harmed by Capital One 's egregious policies of denying charge backs for ridiculous reasons.

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

Complaint narrative:
I have been disputing 1 account since XX/XX/XXXX, almost a full year and the bureaus have verified the information but have never proven to me HOW they're verifying it nor have they provided documentation! Then, they stopped responding all together! In fact, this account was paid in full in XXXX of XXXX yet they're reporting it delinquent in XXXX of XXXX! This is a paid collection and I have included the paid confirmation for your reference.

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 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing 1 account since XX/XX/XXXX, almost a full year and the bureaus have verified the information but have never proven to me HOW they're verifying it nor have they provided documentation! Then, they stopped responding all together! In fact, this account was paid in full in XXXX of XXXX yet they're reporting it delinquent in XXXX of XXXX! This is a paid collection and I have included the paid confirmation for your reference.

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

Complaint narrative:
Asked them to validate the alleged account by sending me a LEGAL signed contract. All they sent me was statements for a name that is not mine at an address I do not know. But no legal contract proving I owe this debt or ANY contract that I would have with them that would give them any right to collect the debt AND report this item to the Credit bureaus! Therefore they are illegally reporting this account to all bureaus, thereby being HIGHLY injurious to my credit reports AND my reputation AND hurting my chances of obtaining ANY credit in the future! 

I NEED THIS ACCOUNT REMOVED FROM ALL CREDIT REPORTS AND FOR THE COLLECTION EFFORTS TO STOP! 

I am ready to file suit against them if they fail to legally and accurately respond to my latest letter datedXX/XX/2021

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

Complaint narrative:
I submitted a dispute to the bureaus on XX/XX/2021 in regard to inaccurate information but the bureaus have yet to respond to my dispute or send me any documentation that they have verified the accounts or the derogatory information ; it has been almost 60 days and the bureaus are only supposed to have 45 days at maximum to do this! This is beyond frustrating for someone that is trying to get things straightened out and taken care of where this derogatory/false information could hinder and impact my livelihood!

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 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I received an alert on my credit report of a new derogatory change. I found out what the debt was and contacted the company and learned that there was a last bill in which I owed. I paid the bill and was advised to alert the collection company which I did. The collection company claimed they sent me 2 notices which I did mot receive and I advised the debt was paid with the original creditor and provided the confirmation number as well. They refuse to remove the negative information from my credit report. I do mot think this is fair treatment because I was not properly notified and I paid the debt immediately with the company I owed when I learned of the issue. The representative that I spoke to said they did not have to notify me and this its a courtesy to do so and quoted laws. When I googled the company I read many complaints and saw that they appear to have a properly notification issue and do not practice the best standards on relationship to the collection industry. This is an extremely hurtful, stressful, and quality of life impact on me. I guard my credit and take it very seriously which is why I have alerts set up and I pay my bills. Had I know of this issue prior to now it would have been handled. Being that the debt was paid in full I feel that this should mot be on my report and I would like their practices fully investigated as they appear to not do things accurately in connection to the FCRA. This company is Southwest Credit Systems LP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Problem with personal statement of dispute
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
XXXX  recently removed a bankrupty dismissed remark from my account associated with Best Egg. XXXX  and best egg blame each other for reporting the remark and I have filed several disputes to both parties neither stated why these remarks were ever reported on my credit or where they came from. Unfortunately my points on my credit score did not change after bankruptcy dismissed was removed. When the bankruptcy dimissed remark was reported to my account XXXX of 2019 my credit score dropped 87 points. I additionally lost 4 points each month each time I made a payment to the best egg account. My score still remains the same as if I had the bankruptcy remark still on my account. XXXX  only removed the remark over the phone and not during any of my disputes that I have filed. They did not state the reasons it was removed which would confirm that the remark was never associated with me and never had a house to receive a bankruptcy. Yet my credit score recieved deductions for a remark not associated with the user. A letter was sent with pictures to XXXX  showing how the bankruptcy remark dropped my credit score. A special handling supervisor XXXX XXXX stated on the phone that even after seeing the points deducted that was never returned that they could not change the points. If a remark was associated with my account that didn't belong to me than it dosent make sense for my points to reflect deductions not related to my own actions or credit use. Bankruptcy dismissed remarks effect credit scores so not sure why after removing the remark my score remained the same. I have documentation of the effects each month. After mailing the letter of evidence XXXX  did not acknowledge it until I called several times simply to get any response. Each person on the phone gave different response to the issue at hand.

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

Complaint narrative:
I submitted a dispute to the bureaus on XX/XX/2021 in regard to inaccurate information but the bureaus have yet to respond to my dispute or send me any documentation that they have verified the accounts or the derogatory information ; it has been almost 60 days and the bureaus are only supposed to have 45 days at maximum to do this! This is beyond frustrating for someone that is trying to get things straightened out and taken care of where this derogatory/false information could hinder and impact my livelihood!

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 2021-06-04 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:
I submitted a dispute to the bureaus on XX/XX/2021 in regard to inaccurate information but the bureaus have yet to respond to my dispute or send me any documentation that they have verified the accounts or the derogatory information ; it has been almost 60 days and the bureaus are only supposed to have 45 days at maximum to do this! This is beyond frustrating for someone that is trying to get things straightened out and taken care of where this derogatory/false information could hinder and impact my livelihood!

Company response to consumer: Closed with explanation