vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: LendingPoint Holdings LLC
State: SC

Complaint narrative:
I have filed a dispute in regards to it incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC
State: MD

Complaint narrative:
For the last two years, I have been receiving phone calls from the following number ( XXXX ) XXXX ; the caller identified himself as a debt collector calling from Compass Recovery Group. They have NEVER send me any letter or document explaining to me the debt that they claim I owe. My understanding that Federal Law requires them to send me a letter within five days of their first contact that contains their name, physical address, creditor 's name and the amount of the alleged debt! 

Recently, they started using unlawful and illegal tactics. On XX/XX/XXXX, my sister received a call at XXXX XXXX from them. They told her that they need to reach me for a legal matter and that I am being sued ( attached please see snapshot from my sister 's phone and a record of the call on her mobile 's usage information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc
State: IL

Complaint narrative:
XX/XX/2021 I got an email from a senior escrow officer from Chicago Title and Loan at XXXX and 2 days before I closed on a Chicago condo and 10 minutes after my attorney emailed me to tell me I would need to wire money to the escrow office at Chicago Title. 2.5 hours after I received the first escrow officers email a second email officer emailed me. I didn't get these emails until XXXX because I was busy at work. Seeing two escrow officers I thought it was weird. Then I took a recommended class of fraud that the 2nd officer had sent. This warned about fraud. I became more suspicious and investigate the 1st escrow officer email thoroughly. Though it was from a person that worked at Chicago Title and Loan, the email they were asking me to respond to was " XXXX ''. The misspelling made me realize it was probably a fraud. This was later confirmed during the signing of my closing paperwork ( XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Called Equifax to remove a fraud alert from my file that I DID NOT place on there, and they told me they could not verify me after providing them with BOTH my social and date of birth. They asked me to email them a selfie, social security card, and my drivers license. First off I do not even recall giving Equifax the consent to even having my personal information to begin with so them asking for not only my drivers license and social security card but also a SELFIE is ridiculous. The companies that I actually do business with does not even ask me for this information. As a consumer, I should not have to provide equifax any of that information in order to remove a fraud alert that I DID NOT place from a report that was furnished about me without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Debt wasn't validated.inacurrate collection account reporting on my credit report. never was validated in 6 months of trying to contact the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting an investigation on questionable accounts on my credit report. I has been over a month and I still haven't received a response.

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 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, I got scammed by a person named XXXX XXXX posed as he's leasing an apartment to me. We both signed the lease, and after following the directions by XXXX on payments, I accidentally transferred a large sum of {$2300.00} to XXXX XXXX at XXXX via XXXX to XXXX XXXX XXXX Money was supposed to go to XXXX XXXX and not XXXX XXXX. XXXX or did not respond after following up for returning money. I filed a claim with Bank of America, and they gave a claim number XXXX. 

XXXX XXXX sent emails from IP address XXXX. His email is XXXX and his XXXX voice number is XXXX XXXX XXXX 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 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Hello, this is in response to XXXX Please see the attached information regarding my emergency room debt with XXXX XXXX. As you can see, on XX/XX/XXXX, they were advised that I did not have insurance and a discount was applied. Please review to see why the amount you are providing me is showing the procedures without the applied discount. Please reach out to the hospital to verify the debt you purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: American First Finance, Inc.
State: SC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: NV

Complaint narrative:
This is in response to : XXXX The document I received does not show that this debt is mine. My name is on the TO envelope but there is no information on the statement itself that shows this is my debt ( no ssn or last 4 digits, etc ). Please provide documentation showing that this debt is owed, for example, the contract that was signed to accept the debt.

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 2021-03-04 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: NY

Complaint narrative:
I previously notified Experian that I am a victim of identity theft thru my Experian membership. with all proper paperwork

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 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
Our family has been impacted by Covid 19. My husband 's company is in the hospitality industry and I lost one of my two jobs significantly impacting our ability to pay our mortgage. We have been in constant communication with the mortgage company the whole time. Initially our loan was placed in forbearance. During the forbearance period we communicated with several representatives of the lending company in order to work out what the next steps would be. We repeatedly spoke with them asking for assistance and tried to make sure that we would not be put into a situation in which we would have to pay a balloon payment at the end of the forbearance period or be forced into a repayment plan that was unaffordable. We were assured multiple times that this would not be the case, conversations that we recorded. At the end of the forbearance we reached out again order to come up with a sensible repayment plan. After the forbearance expired ( according to the lender ) we were asked to pay $ XXXX for XXXX, XXXX, and XX/XX/XXXX respectively. As of XX/XX/XXXX we resumed our contact with the lender. We were told to submit documents in order to apply for mortgage assistance or a possible trial modification, which were some of the options that were presented to us before we were told to make the {$1000.00} payments. As we supplied the requested documentation, we kept getting in touch with the lender only to find out that the documents were not being processed in a timely manner, and the lender was " dragging their feet '' coming up with a solution for us, while starting to make threatening calls requesting us to pay the balloon or in the end offering us a repayment plan in which we would have to pay our current mortgage amount as well as satisfy the balloon debt within a year. This payment plan is not a sensible mortgage assistance program and is not showing that the lender is trying to offer any real support to it's borrowers during these trying times. We would be very happy with a loan modification in which the balloon payment would be placed at the end of the loan and the interest rate would be reduced. Apparently, even though initially that option was offered by the lender, it is no longer available. We are willing to make significant payments to our mortgage in good faith. Our lender is acting in bad faith, only offering options that they know are not feasible given our financial circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error and unauthorized. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello I have reached out multiple of times for paperwork on the sale of the vehicle XXXX XXXX and never received anything to show how much it was sold for or anything this is unfair practice and should be removed from our credit report. This is the 7th year of it showing non payment which means it's outside off the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Actions to validate debt for months. no response from the collection company. reporting false inaccurate information 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 2021-03-04 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting an investigation for accounts on my credit report that were questionable. It's been almost two months and I still haven't received a response.

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 2021-03-04 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My students loans were paid in full & were never late. Navient continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC)
State: CA

Complaint narrative:
I am working from home and received a call from my phone/extension number from my physical work station : XXXX on XX/XX/XXXX. I answered and was informed that there were officers at my office to serve me for an outstanding debt. 
Since the call came from my extension at work I believed they were standing at my desk, which can only be accessed by badge entry, however I was not notified by any one from work of this activity. I was embarrassed and mortified that there might be officers at my work serving me papers for a lawsuit. 
The person that called me from my work number gave me the phone number XXXX and case number XXXX to call. 
I called XXXX and gave the case ID # XXXX and was informed that I am in the process of being sued and that officers were sent to my work to serve me with a warrant for an outstanding debt from XXXX XXXX  and was advised that I could stop the proceedings by paying the debt. I felt extremely embarrassed by the situation and I did not want to go through the humiliation of officers going to my work place again. I used our rent money to pay off the total of {$850.00} that was being collected from me for a payday loan I defaulted on in XXXX because my husband was unemployed. The cost included the loan balance, the cost of the officers sent to my office and the legal costs accrued. The original loan amount was for {$250.00} and the outstanding balance was {$290.00} I believed everything they told me and I do not believe their tactics to collect the debt were legal or ethical. They used intimidating and humiliating tactics that should not be used. It is bad enough that my credit score has suffered for unpaid debts, but NMRC Collections completely crossed the line. I never received any confirmation from my work that anyone was at my desk on XX/XX/XXXX and if no one was there, then someone cloned my work phone number to make me believe the situation they described to me in order to intimidate me into paying an outstanding debt! I did not receive notice from NMRC that they were collecting a debt from me in writing either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CarMax, Inc.
State: SC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
XXXX XXXX, 2021 Text Message, XXXX XXXX Cash App : You spent {$1.00} at XXXX XXXX XXXX XXXX, 2021 Text Message, XXXX XXXX Cash App : You were refunded {$1.00} at XXXX XXXX Note : I do not know where the business XXXX XXXX is located and I have never been there. 

XX/XX/2021, at XXXX XXXX Cash App : You spent {$1.00} at XXXX. I did not spend this money and never have used XXXX. 

Listed Phone number all Cash App Text is XXXX XXXX XXXX XXXX XXXX. 

I checked my actual account and nothing was taken out. I did not click on the link that was texted to me ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
Hello, Please validate the debts for {$450.00} and {$390.00}. I am requesting a full validation of debt showing that this is mine. Please show information including the signed contracts for the original debt amount and the debt owed at the time the account came into your possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error and unauthorized. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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