vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 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: MRS BPO, LLC
State: FL

Complaint narrative:
MRS BPO LLC reported a XXXX  Account to the credit bureaus against my information. I have contacted XXXX fraud team who has investigated this and informed MRS BPO of the fraud. An original CFPB complaint was entered on XX/XX/2021 for this initial situation XXXX. 

MRS replied to the original complaint that they had resolved the issue and notified the credit bureaus to delete the collection from my credit report. A dispute was also filed with XXXX concerning this collection. 

On XX/XX/2021, I was notified by my credit monitoring service that the collection was reported again for XXXX after it was deleted in XXXX. I contacted XXXX  about this and they have informed me that MRS has continued to assert that the debt is mine. MRS continues to ignore the information provided to them by XXXX XXXX concerning this fraudulent account. I have made multiple attempts to get this resolved with MRS but I was told by one individual that I would have to go back to XXXX to clarify this and by another individual that this account is still with MRS and denied having received anything from XXXX. This is in direct conflict from the prior case resolution from MRS and the information I am being provided by XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
trade in didn't happened. Please delete inquiry EXETER FINANCE XXXX XXXXI didnt apply for this company for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management did not inform me of any written issues until I had been garnished. And I had contact my employer to get information about the issue. They have a judgment against me for. From a XXXX utility account I never had. And XXXX has no current records of in my name or social security number. I did not make this account and the company they said they are collecting for has no records of such a bill or accounting in regards to me. 
Any collected funds should be returned. With penalty of harms caused by such a false claim. Enforced with no notification to said persons effected by monitory harm of collecting non owed funds. To which the company these funds where collected for show no such bill. Midland credit management should no longer seek such payments. With further proofs that I can obtain from the offended party XXXX. As their representation states no such past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: OH

Complaint narrative:
On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: FL

Complaint narrative:
I have these accounts that does not belong to me and i want them to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is 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 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I've been locked out of my online TD BANK Credit card and I can't sign in to make payments. I called on XX/XX/21, XX/XX/21 and XX/XX/21. Each time I called and I got transferred to 3 extensions and no one can help me to gain access to my account. First they tell me I don't have an account. Then I ask to send me a paper statement so I can pay it and close the account and they can't send me a paper statement because I chose paperless statement online so they can't change it. 
I have never been through such craziness and am now desperate for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have been working with Caliber Home Loan since last XXXX, received a preapproval by XXXX. She was a great person who provided a lot of information. She kept me updated on status and kept me in informed of things that may arise. I decided to go with a new build which happens to have Caliber as their preferred lender. My open file would then transition over to XXXX ( loan consultant for new build ) on XX/XX/XXXX. XXXX and I spoke briefly, indicated that parents will be gifting a large down payment. I feel as if XXXX did not do anything to recheck my file, nor did he communicate the urgency for specific documents ( if it was needed ). I did not get a red flag from the Loan Consultant, nor the Sales Agent ( who accepted my pre approval letter ). On XX/XX/XXXX the Sales manager cancels my purchase agreement because " I did not have a pre approval on file ''. 

I feel like there is some kind of miscommunication between the loan consultant and seller and I am being penalized with this loss. Seller is refusing to reinstate my purchase agreement, the house is now back on the market for a higher price. I'm a qualified buyer. I've gone through two different lenders who have given me a pre approval ( one already approved ). I went back to the Caliber Branch manager to demand that they redo my file. He reassigns me to XXXX again on XX/XX/XXXX. I've provided documentation as requested again. It is XX/XX/XXXX and I am still having to follow up with on a status with XXXX. Below is a timeline of events with the loan. 

- XX/XX/XXXX Received preapproval letter from XXXX  - XX/XX/XXXX Signed purchase agreement for new build and deposit XXXX ( sales agent to request loan docs be transferred to XXXX ) - XX/XX/XXXX Finalized upgrades, provided additional {$5800.00} - XX/XX/XXXX Seller cancels purchase due to " not having a pre approval on file '' - XX/XX/XXXX Addressed complaint to Caliber branch manager XXXX, demanded that they re do my file again. XXXX  stated he will have XXXX re run my file. 
- XX/XX/XXXX XXXX emails with list of documents needed, I provided documents and asked that he kept me in the loop on status - XX/XX/XXXX I provided more documents - XX/XX/XXXX XXXX indicates he can not open one of the docs, I resent the doc - XX/XX/XXXX I followed up to see if he was able to open the doc, asked for a status - XX/XX/XXXX Followed up on status again as XXXX did not reply to previous email - XX/XX/XXXX XXXX indicates he still needs all of the documents. I only provided the XXXX tax return - XX/XX/XXXX I replied, there are several documents attached to this email already. I attached the same documents and asked that he kept me in the loop if he was running into any problems opening the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE CONTACTED YOUR COMPANY TO GET THIS RESOLVED AND RECEIVED NO SOLUTION. 

UNDER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave any written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

Concerning the following accounts below as a consumer, I'm demanding them to be DELETED from this account. 


XXXX  {$89.00} # XXXX XXXX XXXX XXXX {$710.00} # XXXX XXXX {$520.00} # XXXX XXXX XXXX XXXX {$1600.00} # XXXX XXXX XXXX XXXX {$700.00} # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital System is ruthless. This debt is a time barred debt. It on an old XXXX  XXXX  account that is about 15 years old and these people are on my credit report when XXXX XXXX is not. They will not stop calling me now matter what

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
This complaint is against Lexus Financial who is financing my car loan. First lets start with the high interest rate I was given 14.9 % which later this high interest rate was part of a class action lawsuit. I paid this loan for six years in good standing and my credit report shows this ... I paid down to the last payment which was the maturity payment a big ballon payment deriving from high interest and deferred payment. Now thru this pandemic I was not given any special help due to the pandemic. I was furlough in XX/XX/XXXX and was laid off in XX/XX/XXXX due to the pandemic so I was told this maturity amount of {$4000.00} was due by XX/XX/XXXX. I was told I could pay this out and dont have to worry about paying all this off by the due date as long as I continue to pay every month. I was not told that each month I carry this balance this would be reported to the credit bureau and would affect my credit. I spoke to an executive in the CEO office and was told that the Rep I spoke to stated they would coach that individual because the representative fail to provide me with all the necessary information I needed that I could have had a different outcome. Now due to the negative reporting to my credit it has placed an unpreventable financial hardship during this pandemic. This egregious treatment from Lexus also violated my consumer rights under FCRA surrounding the accuracy and fairness of what is being reported to the consumer credit agencies by Lexus Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent several dispute requests to Transunion, each time they say they have verified the account information and validated the debt when that is not true. According to my last credit report on XX/XX/XXXX. The account has not been updated or validated since XX/XX/XXXX. This is against the Fair Credit Reporting Act on inaccurate reporting information. I want this unverfiable debt removed immediately. 

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 2021-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a notice from XXXX XXXX XXXX XXXX XXXX which is dated XX/XX/XXXX, this notice is stating it is collecting a 2nd mortgage which was part of the first mortgage that I received on XX/XX/XXXX, from Bank of America. In a letter dated XX/XX/XXXX, I received confirmation of my loan modification for a total of {$390000.00}. In XXXX I borrowed the first mortgage of {$320000.00} recorded on XX/XX/XXXX, as Instrument # XXXX, the second mortgage of {$40000.00} recorded on XX/XX/XXXX, as Instrument # XXXX. Real-Time Resolutions has violated the Rosenthal Act It regulates the conduct of debt collectors. The California statute prohibits numerous deceptive, dishonest, unfair, and unreasonable debt collection practices by debt collectors, and it also regulates the form and content of communications by collectors to debtors and others. They are attempting to collect on a 2nd mortgage which has modified with the first mortgage, In addition, they have violated my rights to notices and monthly billings they are trying to get two bites of the apple. XXXX XXXX  along With XXXX XXXX XXXX failed to provide any legal notification of debt in 7 years which is unlawful for either one of them to pursue a 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 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal already Close my account without email for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: FL

Complaint narrative:
I have been a loyal customer of XXXX since XXXX when we purchased our first home and even re-finance our loan with them first time around in XXXX. 
Back in XXXX we wanted to take advantage of the lower rates and apply with XXXX again to refinance our loan, only to be denied. ( we have never been denied credit before ). We went ahead and contacted another lender who was not only willing to work with us, but got us approved for a significant lower rate. Regardless of the hardship that Covid-19 imposed on most of us, we have never been behind our mortgage payments nor been behind them, ever, and we work hard on maintaining our credit between very good and excellent since our business depends on it. I'm a XXXX XXXX XXXX  and every credit decision lenders, suppliers, and potential customers make are based mainly on my personal credit. After being told by my new lender that the new loan would close by the end of XXXX, I requested a off statement to confirm the amount my new lender was telling me on XX/XX/XXXX. That amount included all taxes, interest and principal owed till XX/XX/XXXX. For reasons beyond my control, the pay-off to XXXX was effective on XX/XX/XXXX for the full loan amount, but to my surprise, XXXX has reported me to the credit bureau the day before, Sunday XX/XX/XXXX for Late Payment, impacting my credit score tremendously. The same Monday XX/XX/XXXX I contacted XXXX to inquire about this misunderstanding, and after an hour on the phone, XXXX stated they will contact the credit bureaus via letter and copy me to have the issue corrected. After not receiving any letter from XXXX nor seeing any improvement in my credit, I contacted XXXX again today to inquire on the status of the letter and the removal of the negative reporting only to be told that more information was needed from the 3rd party first to remove the derogatory mark ( without ever notifying me what was needed nor when ) and later on after 35 minutes waiting for a " supervisor '', I was rudely told that she can't lie to the credit bureaus and the derogatory mark can not be changed. ( even after 7 years of loyal exceptional payment history ) After contacting XXXX  and equifax, I'm reaching out to you to help us in this uncomfortable and very unfair situation I've been placed on. 
I'm a hard-working person that has several families depending on our small business and I don't believe this multi-billion company, XXXX that is, or its " customer service '' reps understand the magnitude of the impact a simple wrong reporting could cause. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
i have repeatly called and sent dispute letters to all 3 credit bureaus, XXXX XXXX, XXXX, about my compromised credit file. The credit file that suppose to be in my name is in someone else 's name. My name is XXXX XXXX XXXX. XXXX XXXX XXXX is the name that was on my credit file. As you will see on my documents the bureaus have me down as better know as XXXX XXXX XXXX. I have never in my life went by that name. And in other documents including my Lic. You will see the correct spelling of my name. As this matter has been damaging my credit as well my character. i would like to have the these items fully removed from all 3 credit bureaus immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief