vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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 had a student loan back in XXXX through XXXX. The claim was closed out XX/XX/XXXX and my balance was XXXX. Upon applying for a home loan we noticed that on my Equifax credit report reported that I had payments 120 day late for the Months of XXXX, XXXX and XXXX of XXXX. 
I called my lender, XXXX and asked them to update this information with the credit reporting agencies. I was toldby their credit consumer solutions department that they have not reported to the credit agencies since XX/XX/XXXX. They did not update this information on Equifax. I filed a dispute with Equifax asking them to investigate the late payments for XXXX. I did not have a student loan balance, it was showing up on the credit report as zero, why are late payments showing up. After multiple calls to XXXX consumer solutions department I was told that they see that late payments are showing up on Equifax but was showing correct on XXXX  and XXXX. Attached is a copy of the Experian report showing no late payments for XXXX, XXXX and XX/XX/XXXX. Equifax report attached showing late payments for XXXX, XXXX and XX/XX/XXXX. Keep in mind, this loan was closed out and paid by claim between XXXX XXXX and was now XXXX balance. 

I called XXXX again on XX/XX/XXXX and spoke to their credit consumer solutions and they told me that they have again submitted an update to Equifax to correct the errors as they were able to see that its still showing up on their end as late payments. I reached out to Equifax again and they said that it can take 30 days to reflect on their end. The dispute did not correct anything in fact it added another XXXX late payment on a closed loan with a zero balance. 

I was in the middle of purchasing a home, was pre-approved for a loan and had to cancel the pending sale because XX/XX/XXXX due to these negative remarks on my credit report. This was the only thing holding me up from purchasing a home. Now I can not get my loan until this is correct by Exquifax. Attached documents are XXXX, Equifax credit reports and a letter from XXXX showing my loan was closed in XXXX and I do not have a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: WY

Complaint narrative:
On several occasions this company has sent a text message with this exact wording : " Please contact MRS Assoc. regarding a XXXX XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. '' The most recent instance was today XX/XX/20 at XXXX XXXX. 

The huge problem this poses, not just for me, but millions of people with a debt being pursued against them is with notifications. It should be safe to assume that 99 % of all people using a cell phone normally have notifications set to show on their screen once they receive a text message. The obvious reason ( like a phone call ) so the owner of the phone immediately knows they are trying to be contacting. 

The complaint I am filing is that their wording in the very obvious manner of " collect a debt '' and " MRS is a debt collector '' create a very dangerous situation for anyone with a phone that happens to be sitting out in the open on a desk for example, with their supervisor and/or employees engaging in normal conversation. This is exactly what happened to me, which as you can imagine was extremely embarrassing. Multiple people glanced at the text message, seeing the words " debt collector '' with their eyes growing wide and very likely knew what that meant. 

This is a HUGE grey area that likely needs to be corrected within the collection industry as it sets precedents in ways for debt collection companies to " shame '' a target in a way by use of loophole ... the loophole being " text messages are allowed '' but this doesn't ensure the communication is safe or secure with the actual person. A company must always be aware of the possible access to that message being compromised if not verified as a safe means of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
This is a deceptive practice complaint against Sallie Mae. They do not allow principal only payments. The payment allocation platform works against students by systematically reducing the payment amount owed if extra money is paid to reduce the principal. Some students may not be aware of this. The platform and the payment process must be modified to help student fairly pay back their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I sent the fraud packet that was sent over to me by a collection agency with all fo the information the company was collect and asking me for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 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: DISCOVER BANK
State: NJ

Complaint narrative:
Credit adds no value just raises demand curve, and assumes there is more money than exists. That's right, there is not enough money for these contracts are able to become possible. That is forced majeure before the contract even starts as you will find that unforeseen and uninformed are no different than coercion or duress in citing contracts like time-based royalty or debt invalid. Even so, what is the purpose of any law but to stop fully-informed people from binding themselves to impossible situations - intervention by creditors in the purchasing of goods by consumers is HUMAN ABUSE and certainly not good for everyone because the supply chain is like a torus. What, does share of a business ' sales from voluntary employers not return fast enough for you?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have sent 7 previous letters to the US Dept of Education and Navient, XX/XX/2020, XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/XXXX and XX/XX/2020 that I have repeatedly made offers for settlement of the alleged referenced matter immediately upon providing me with written and legally binding assurance that they will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form with the original signed consumer contract, and if unable to provide I have requested that they remove and delete inaccurate, incomplete, and unverified information from my file and they have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate, incomplete, and unverifiable and that are in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and Regulation V, the Truth in Lending Act ( TILA ) and Regulation Z, and Fair Debt Collection Practice Ave ( FDCPA ) by ignoring my requests to make arrangements for settlement of the above referenced matter. 

Yet they have not verified or validated that this alleged debt to be in fact mine. 

They previously stated on XX/XX/2020 " The Department only provides the original promissory note to a borrower after his or her debt has been satisfied in full. '' This is in clear violation of TILA regulation Z, as this information was not advertised on the master promissory note, as according to TILA they need to provide additional disclosure, such as not being able to provide the original promissory note. 

And in violation of FCRA Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Under the FCRA, inaccurate, incomplete, and unverifiable accounts and information must be removed and deleted. 

They have previously sent a discharge letter that I ignored, because this was not my request, I asked for validation and verification that these alleged accounts were mine with evidence of the original promissory note bearing my signature, as they have failed to do. As they have also tried to re-age my account and falsely claim I made a payment on these accounts in XX/XX/2020. 

They have continued to keep these remarks on my credit report, reporting to all three bureaus that this account is verified and correct. 

I have contacted the 3 credit bureaus XXXX, XXXX, and XXXX, with all documentation and my credit reports and they have all failed to comply and ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I filed a complaint with this company a few weeks back. This company sent me reply to my concerns and mailed me a packet that shows a bill. This account does not belong to me. My phone carrier is XXXX and not XXXX. I NEVER had an account with XXXX and I am willing to provide the burden of proof in a court of law if I have too. I take my credit seriously and I will do whatever it takes to keep my credit in good standing. Please remove this account of my credit report before my next course of action concerning my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I recently got a divorce I have XXXX kids single mom I have a big rent payment plus bills Im currently ok XXXX due to a a XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have sent dispute letters to transunion and still have not received anything from them. this shouldnt take this long

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We have applied for refinance of our current home with J.P Morgan Chase, and we are concerned that we are not being treated fairly during the appraisal process. 

The appraisal report intentionally lowered the value of our home and it came out favoring the Bank 's interest for the following reasons : 1 ) The appraiser used homes in a different school district to benchmark against our home. Our home is located in the best public school district in XXXX, therefore, the high house price is driven mainly by the reputable school district. It is commonly known that the houses in the neighboring school district values $ XXXX lower than the houses in our school district. 

2 ) The appraiser used homes in a subprime location to compare against our home. Our house is situated in a quiet cul-de-sac court, and the appraiser used homes in a street corner or home right next to a major highway in the report, which definitely worth less than houses in prime locations. 

We have attempted to appeal the appraisal value on XX/XX/2020, but the appraiser declined to reconsider with the facts we stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: NV

Complaint narrative:
This isnt my account, please remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE ACCOUNTS THAT SOMEONE ELSE OPEN IN MY NAME THEY USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN FRAUDULENT ACCOUNTS THESE ARE NOT MY DEBT OR MY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
There's a charged-off XXXX XXXX credit card account from Midland Credit Management appearing on my credit report. I haven't had a XXXX XXXX account in years. Therefore, this account has to be a product of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I pulled my credit reports and to my amazement, saw that you report this account with multiple lates. I also have no knowledge of this account. I disputed this information with XXXX  and the results of the investigation came back " verified ''. Not only am I late on any of mu bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/20 I ran my credit report since I am in the process of purchasing a home and realized that there was a debt by Conrad Credit Corp XXXX XXXX XXXX XXXX, XXXX, CA XXXX on my report for {$2400.00} from an original debt of {$1700.00} from the City of XXXX. I called their offices to clarify, spoke to XXXX XXXX and confirmed that the debt did not belong to me but to my brother who shared the same address with me which I moved out of 8yrs ago. XXXX XXXX then referred me to XXXX XXXX who has been purposely ignoring my calls and emails and is unlawfully attempting to collect a debt I do not owe. It is ruining my credit and messing with my personal life. I need this to be fixed ASAP. I will be filing a police report against Conrad for identity theft and commuting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has XXXX XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: IL

Complaint narrative:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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