vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.

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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I contacted the company ( Portfolio Recovery ) in attempt to have this removed from my credit. I informed this company that they were reporting illegally due to not being able to verifying that the debt they are reporting is mine and providing no proof that I owe this debt to them. Theres no written contract provided or any legally binding documents proving that I owe this company any money. 

This company only sent me credit card statement which doesnt prove that I owe this debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TX

Complaint narrative:
I've recently reached out to XXXX, Equifax, and XXXX in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In early XXXX, I ran into financial trouble. I received a 120-day forbearance period from my car loan company, Ally Auto Finance. In late XXXX, I became current on my loan again. The last four monthly payments, for XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX, for $ XXXX monthly were paid promptly. These entire amounts were applied to interest charges by the company. There was no principlal reduction from these payments. I called the company today to get an explanation why, and they could not give me one. The payoff on my loan as of today is {$12000.00}, per the company. The per diem interest rate is {$4.00}, per the company. Therefore my monthly interest charges should be 31 ( number of days in the month ) times {$4.00} ( the per diem interest rate ), or {$130.00}. Ally is charging me {$280.00}. No one could give me a satisfactrory explanation why I'm being charged {$280.00} instead of the correcxt amount of {$130.00}. They are stealing from me. {$140.00} of my $ XXXX monthly payment should be going towards principal reduction, not towards interest. Please help me get my payments applied properly. Thank you.

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 2021-02-12 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: MS

Complaint narrative:
In XXXX of 2020, I tried to apply for a home loan because myself and my kids were displaced because of Covid19.Upon pulling my credit report, I was denied because I was informed of information in my report that was either misreported or didn't belong to me. I have been writing XXXX over and over to let them know that they have been reporting inaccurate information on my credit profile. Every time I have submitted a dispute, XXXX has either not responded to my letter or they have sent me a " cookie cut '' letter with basic information saying that my dispute has been received. The accounts in question were closed accounts that belong to someone else or either was reporting the wrong information. I also called in to their company and was told that I could not investigate a " closed account '' by one of their rude representatives. I have enclosed a copy of each letter I wrote to them and also a copy of my report were the misinformation is being reported.

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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC
State: GA

Complaint narrative:
Lima One keeps paying my insurance even though it has already been paid. The insurance company refuses payment and then the cycle starts all over again. I've explained this to them multiple times. Today, after going back and forth with their Portfolio Analyst, when I told them to not send the payment again because the insurance has already been paid and they need to credit my escrow, they stopped communicating with me. It's a simple process that they don't seem to understand. We've probably gone back and forth on this for over a month and I can't count how many emails and two phone calls. I have two mortgages with them and this occurred on both mortgages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XXXX reporting fraudulent accounts as open and closed on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MD

Complaint narrative:
Ive had a credit card with XXXX XXXX XXXXXXXX XXXX for more than 15 years and Ive never been delinquent. To avoid delinquency I schedule auto pay to ensure payments are successful and timely. 

A few years ago, I discovered a 30+ day delinquent notation on my account and I called XXXX . I was unaware that my autopay stopped. I didnt receive calls or information in the mail to avoid the situation. I asked if this could be waived and they told me they would remove the fee and negative comments. 

Its been almost 5 years and they havent removed the negative information. I have sent multiple emails and called to have the delinquent comments removed. This situation has affected how my family and I operate especially during the pandemic as I am trying to help my extended family in other ways. The delinquent information has really impacted my future financial transactions. Please remove the delinquency status from all three credit bureaus and the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I was contacted by Jefferson Capital Systems. They informed me that i had a debt in collections from XXXX. I only have one XXXX account and it is in good standing with the company. ( i called XXXX to confirm ) Jefferson Capital Systems offered me a 30 % discount to pay my balance off. They frequently call and have sent a certified letter in the mail. XXXX has confirmed that I do only have one account with my social security number and noted on my account that there was a phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
On XX/XX/2020 I received a phone call from my current mortgage offering me a no cost payment reduction loan. I currently have a 30 year mortgage at XXXX and I was going to reduce it to an 8 year at XXXX. This should be a slam dunk quick refi. I was told 30 days. Everytime documentation was requested I had it to them with in an hour. My issue is lack of communication. Nobody ever tells me they need more documentation. After 4 or 5 messages I get a random response asking for the same items again. I then resend the documents. I never received any type of confirmation or anything that they arent received. I have been elevated up to three levels of management at this point. Every single time it has been exactly one call with a lot of apologizes and promise of a return phone call the next day. I never receive the return phone call. I call numerous times a day and nobody ever answers. I just get voice mails. All I want to do is to be able to wrap up this loan as soon as possible. I am so solid it is not even funny. My income is more than triple them when I got the original loan and I will be reducing the payment by {$400.00} per month. It makes absolutely no sense why this is not done.

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 2021-02-12 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:
I've recently reached out to XXXX, Equifax, and XXXX  in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: DISCOVER BANK
State: TX

Complaint narrative:
This is a communication pursuit to 1692 ( c ). I am asking you to cease and desist further communication and Im refusing to pay the debt pursuant to 1692 ( C ) ( c ). I am invoking my specified remedies as a creditor pursuant to 1692 ( C ) ( 2 ) and I advise you to terminate all efforts pursuant to 1692 ( C ) ( 1 ). To include reporting information to the credit bureau and third party collections. 

I demand rescission of my contract pursuant to [ 15 USC 1635 ( a ) ] and [ 12 CFR 226.15 ] as the signature has been securitized on your instrument the master promissory note ( the credit application ). 
Pursuant to [ 15 USC 1635 ( b ) I demand Discover Financial return all finances ever render to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Johnson Mark LLC
State: OR

Complaint narrative:
I have 2 credit cards on my credit report one in which was garnished and I was told was satisfied but now its back on my report how ever both credit cards debts are over 6 years old which is the Oregon statue of limitations to pursue such debt. They said it was too late and was sent to be garnished which is against the statute of limitations.I would like for this to stop abs be removed immediately as its affecting my credit score. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
The auto loan company Santander has removed my file from XXXX  and I have disputed with XXXX  and they removed one payment off of my report but not the whole account. Santander was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX  report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX  and XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
5 years ago, we executed a loan modification and were up to date on payments until XX/XX/XXXX when my spouse lost income due to Covid. At that time we asked for, and received a forbearance. The servicer website indicated 3 options after forbearance : 1-Loan Modification, 2-Reinstate, 3-Refinance Our forbearance period ends XX/XX/XXXX. On XX/XX/XXXX, we requested to come out of forbearance and modify the loan. We are able to make the mortgage payment, {$2500.00}. on XX/XX/XXXX. 

The servicer, Mr. Cooper, communicated the loan owner, XXXX XXXX  XXXX XXXX XXXX XXXX, declined the loan modification for the reason that the loan was already on a loan modification. 

Per a letter from Mr. Cooper dated XX/XX/XXXX, the only options approved was a Short Sale, or Deed In Lieu. 

Complaint 1 : the servicer, Mr. Cooper, NEVER indicated that we could not do another loan modification at any point in forbearance. 

Complaint 2 : the loan owner, XXXX XXXX  XXXX XXXX XXXX XXXX, is unwilling to modify the loan. 

We have lived in this home for 20 years and want to keep our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TX

Complaint narrative:
XXXX reporting fraudulent accounts as open and closed on 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 explanation
Consumer complaint received 2021-02-12 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: TX

Complaint narrative:
Eqifax reporting fraudulent accounts as open and closed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a identity theft victim and I notice that I had an account on my name from oportun and I made the FTC report because I have 4 charge off and multiple late payments on XXXX  and that account is affecting so hard my credit score for something that I never applied for and I need that account out of my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was contacted by XXXX XXXX XXXX. They informed me that i had a debt in collections from PayPal. I only have one PayPal account and it is in good standing with the company. ( i called PayPal to confirm ) XXXX XXXX XXXX offered me a 30 % discount to pay my balance off. They frequently call and have sent a certified letter in the mail. Paypal has confirmed that I do only have one account with my social security number and noted on my account that there was a phishing attempt.

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 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: NY

Complaint narrative:
LJ Ross Associates, Inc. contacted me regarding XXXX XXXX debt collection. Since XXXX XXXX I have agreed to pay in monthly installments for the account XXXX, located at XXXX XXXX XXXX XXXX , an apartment I had to leave due to non livable conditions and landlord neglect. I have since been making on time payments of {$110.00}, and completed 2 of the 5 payments. They told me they would be reporting back to the credit bureau positively that I am paying this debt as I make these payments. 

On my interaction for attempts to make the third payment, today XX/XX/XXXX after calling several times during the week at a different number provided initially without response, I was told I would need to pay the full remaining balance, or they will report negatively to the credit bureau, affecting my credit score. This is not what I was told, or lead to believe initially upon agreeing to do the monthly installments upon consumer good faith, and futhermore I am being essentially blackmailed/ strong armed into paying a full bill I can not afford to pay or they will report to the credit bureau . This is also during a time of lockdown, pandemic economic crisis, where state and federal government along with cooperation from NY XXXX has allowed for individuals to not have to pay their bill, or be threatened for negative recourse if by negative credit reporting or fees, if they can not afford to pay it from lack of work due to the current crisis. I am currently on unemployment, and working hard to find new work and LJ Ross is pushing me into economic hardships I can not afford to pay safely, while using reporting to the credit bureau negatively as undue and pandemic profiteering leverage. I need immediately for them to not be allowed to report to the credit bureau, and for the debt payment obligations to be put on hold as long as the original merchant XXXX XXXX is offering relief due to hardships during the lockdown.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX, and XXXX XXXX The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  XXXX, CBNA, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}. The Account Opened is CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-12 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Hyundai Capital America and XXXX XXXX. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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