vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX XXXX customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX XXXX the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX XXXX ID : XXXX, and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for XXXX is XXXX. Thank you in advance for your help in 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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX XXXX customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX XXXX the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX XXXX ID : XXXX and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for TFS is XXXX. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with Transunion they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court XXXX XXXX XXXX XXXX XXXX per exhibit A which is a letter directly from The courts proving that Transunion reported a false and inaccurate item. Per the bankruptcy court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the 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 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XXXX I ran into a hardship and SPS modified my loan. I paid the modified payment until the pandemic hit in XXXX, XXXX. I called and asked for assistance. I received a lowered payment of {$380.00} for 3 months. I then sent in bank statements and proof I was receiving unemployment ( I am in Florida, unemployment caps at {$270.00} week ). I sent in my bank statements showing the deposits from unemployment and my unemployment paperwork. I then received an offer for a repayment plan with payments of {$3400.00}. I was only receiving a total of XXXX XXXX monthly and there is no way I could pay the amount they were asking for. I then sent in an application for a modification and was told I could not get a modification because I refused an earlier offer. The only offer I ever refused was the repayment plan and it is because I could not afford it. I feel as though this is unfair. I defaulted only because of the pandemic and I would like assistance as everything was out of my control. Now, I have been through a pandemic, lost my job and now am at risk of losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have no knowledge of this account nor did I sign anything for this account please review and delete it from my credit report.. Ive tried everything to report this is not my account and no one is listening ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was offered a settlement for my loans via a settlement letter in XXXX XXXX. Neither the adjuster I spoke with, XXXX XXXX, nor the letter I received advised me that I was only paying one of three loans. 
Rather the letter references that the settlement offer, if paid by XXXX, NAVIENT would consider " the loans '' to be settled in full. In fact, the letter referenced " loans '', plural, three times. It never stated this was payment for only one loan. It also never made a distinction that Navient private sector was different from Navient Government Sector. It relied on me not knowing there was a difference. 
I was collecting unemployment due to Covid and had received a stimulus payment which I used to make that {$2200.00} settlement, believing I was paying my whole student loan debt. Again, at no time did the adjuster tell me there were three loans and nor did the settlement letter I received say I was only paying one. It said " loans '' plural. 
NAVIENT was deceptive in nature and banked on my ignorance. I paid the {$2200.00} in good faith on XXXX believing I was settling my whole loan obligation and was NEVER advised otherwise, either in writing or by an adjuster on the phone. 
The letter also promised to report this to all three credit bureaus. To date, this has also never happened. Another deception of NAVIENT. 
As far as I am concerned, my settlement payment was for all open loans, no matter what sector, that I had with NAVIENT. I consider the matter closed and demand that NAVIENT report as such to my credit bureaus, send me a letter confirming such in writing, and cease all emails and phone calls to the contrary. I don't owe them a XXXX more blood than they have already squeezed from my stone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
Yes I called EQUIFAX on XX/XX/XXXX to dispute a XXXX XXXX inquiry on my credit report that I did not authorize from XX/XX/XXXX. I talked to XXXX id number XXXX and he refuse to help me dispute my unauthorized credit inquiry from XXXX XXXX XXXX XXXX. He told me that I have to go file a police report. I was never offered to put a fraud alert on my credit report not even after I brought up that I have fraud alert set up on my XXXX  credit report. I am very frustrated to not be treated the same as a person with XXXX credit score. I should be offered the same services and good customer service too. 

I asked to talked to a manager to get this issue resolved and had to wait over 20 minutes before being told that there is no available supervisor nor manager. Then I was directed to the fraud department I demand that this XXXX  XXXX inquiry be removed from credit report accordingly to section 609 from the Fair Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with experian they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court eastern district of va. Well per exhibit A which is a letter directly from The courts proving that experian reported a false and inaccurate item. Per the bankruptcys court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the 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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX general customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX ( the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX agent ID : XXXX and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for XXXX is XXXX. Thank you in advance for your help in 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 2021-05-25 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: Conn's, Inc.
State: LA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I have a dispute with Conns XXXX XXXX they have XXXX dollars on my credit report and I did not charge anything for that amount and it is on my credit when I was in XXXX XXXX La I had a house fire at XXXX XXXX XXXX XXXX XXXX LA and I did not have no uitilites and no water on at the house. I was working on the repairs to the house but since then I had a XXXX on XX/XX/XXXX, XXXX and I was in a XXXX for XXXX weeks I ended in a Nursing Home by my daughter and I was going back and forth to the hosipitals in XXXX XXXX I ended up with my sister in law XXXX XXXX XXXX XX/XX/XXXX and from there I went to XXXX XXXX XXXX XXXX XX/XX/XXXX and was put on XXXX now and still lives in XXXX XXXX la XXXX and still on XXXX and I did not do no charges on my credit report please investigate please XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The Truck was in the business name I was a signer on the loan. The Truck was stolen and reported to the XXXX XXXX sheriff 's office. Ally told the Person who stole the truck if he makes payment on it and gets the business in his name he can keep it. I had insurance and Gap on the Truck when this all took place. the person who stole the Truck XXXX XXXX XXXX department was there when the truck got totaled. they did nothing to XXXX XXXX XXXX. I haven't got a single word from ALLY why this is still on my report when it was totaled had GAP and Insurance. Please help me out. this is not my debit at all.

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 2021-05-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Again, Wells Fargo has totally missed the problem and the nature of the complaint. I have settled the dispute with XXXX XXXX XXXX XXXX and they have issued a refund for the defective furniture that they admitted was delivered in poor condition. The problem is with Wells Fargo accepting fraud. 

When XXXX XXXX XXXX gave you the delivery receipt they stated I signed, I told you it was a no contact delivery and I did not sign anything that day. You had me send over a copy of my signature, which you already have on file, to verify it was not my signature. The local Wells Fargo also verified it was not my signature ... but you, having no regard for a previously loyal customer, decided to accept it anyway. WHY? 

You did not do the right thing by your customer and this will not stop until you answer that question. Do not blame this on XXXX XXXX or XXXX ... this is an internal Wells Fargo problem of total lack of regard for doing the correct thing. Fraud is not ok ... .and a bank accepting it is worse.

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 2021-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I was in the disaster forbearance plan starting XX/XX/XXXX. Flagstar Bank and I agreed to start the Loan Modification Trial Period beginning on XX/XX/XXXX where I was to make three payments. Although I started making payments in XX/XX/XXXX, I routinely made my payments through XX/XX/XXXX of XXXX, Three payments. 
I called Flagstar Bank on XX/XX/XXXX or XXXX XXXX to make my third payment for this trial plan but the person who I spoke with told me I didnt need to make this payment because I made my three payments already. I wasnt sure about this and asked the ( male ) person if he is sure and certain that I didnt need to make this payment and he told me I didnt need to and that I should wait for documents in the mail like a new modified contract around XX/XX/XXXX and that I can make my first payment in XX/XX/XXXX. So I left it at that and didnt make any payments for XXXX and XXXX of XXXX because I was waiting for a new modified contract but nothing ever arrived. 
Well now Im in trouble because of this. I waited till XX/XX/XXXX for those documents and nothing ever arrived. I finally received a letter in XXXX stating that I broke my contract because I failed to make this last payment. They then told me that I would be in a Streamlined status and I should wait for documents to be mailed to me, that never arrived either. 

Flagstar Bank will not even listen to me about this. I call at least two times a week asking for help and they wont help me. I have to re-apply for Loss Mitigation Relief. 

I know they record these phone calls and the proof is within that recorded phone call. That person who I spoke with gave me bad information and now I am at risk of foreclosure as well as negative hits on my credit. I am preparing to seek legal action against Flagstar Bank if they dont make this right. 
I still make payments and have been making payments consistently for the last four months. 
I just want to get my modified contract back to good standings, prior to forbearance Ive never missed a payment. Other than the bad advice given to me by Flagstar, my payments have been on time.

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 2021-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
I borrowed money from Rushmore Financial in XXXX. I paid the amount in full and have a receipt of payment from them. They continue to attempt to collect payment even though I have paid it, and I have sent them desist letters demanding that they stop contacting me ; however, they continue to contact me from different companies and I continually send them emails that they confirm they've received with a copy of the receipt of the paid debt in full.

Company response to consumer: Closed with explanation