vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE CONTACTED EACH COMPANY WITH A WRITTEN LETTER TO REMOVE THESE INQUIRIES FROM MY CREDIT FILE THAT I HAVE NOT GIVE CONSENT TO PULL MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MNS & Associates LLC
State: TX

Complaint narrative:
I sent them an email this morning with a cease and desist calling me and any of my family or associates telling me to call and verify my address and job with them and I have received nothing in the mail about an alleged debt and that theyre going to have me served within the next 24 hours. I also have sent them a certified letter stating that they need to cease contacting me or any of my associates and they called my parents, a work associate and my wife and left a voicemail on her phone just like they did yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc.
State: MI

Complaint narrative:
I made an agreement with Client services Inc. in XXXX of XXXX to have a certain amount of payments automatically withdrawn from my account. The payments were all made and the account was supposed to be paid off. There was not supposed to be Interest charged. I had XXXX in XXXX and was very ill. Apparently I mad a payment during that time. They are now calling me saying that I owe over {$300.00} and the account is interest bearing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX & on XX/XX/XXXX I sent a letter with a federal trade commission affidavit to the Experian, XXXX, and XXXX explaining to them the information on my credit report was inaccurate and for them to investigate. I gave them 30 day to respond to me and they did not.

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 2021-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This vehicle was returned under SCRA in XX/XX/2020. The vehicle has been grounded but they refuse to close my account. I call almost every week trying to figure out how to get this account closed and how to get it off my credit report, but Hyundai Motor Finance transfers me to department after department with no resolution. For almost seven months now, everyone I speak with promises that they will close the account but no one ever does. So I call back and the same thing happens with no resolution.

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 2021-04-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Since XXXX I have been disputing improper accounts on my credit report, I have reported them as not mine and being fraudulent since, not once was Experian or the creditors able to provide me with a contract signed by me with their companies, not once did they provide a contract that proves the accounts belong to me, each time I dispute them, they do not reinvestigate the issues, they provide same responses to the accounts as they have in the past. 
Below are the accounts in question Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature on it Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract Experian is the worst when it comes to investigating disputes, they do not take consumer issues to heart nor do they care the improper reporting does to a consumers life.

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 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have a collection on my credit that was taken care of years ago by the original creditor. The original creditor has deleted the account and sent a letter that after they investigated it they deemed it fraud. Now, years later as I am set to close on a house next week, I get hit with a collection agency for that same account. They said it will take 90 days to investigate and refuse to provide a letter to help me close on my house. This account IS NOT MINE!! I have attached the letter from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine and an account that was never late. I sent a dispute letter in regards to XXXX, EQUIFAX, and XXXX  on XXXX and XXXX asking that they be removed. Please note response should have been provided by XX/XX/2021. I have not received report and XXXX, EQUIFAX, and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
- Loan Payoff check in the amount of {$11000.00} issued to BMO Harris Bank on XX/XX/2021 - A XXXX tracking receipt, # XXXX showing that the check was received by XXXX XXXX on XX/XX/2021 and signed for at the front desk by a person with the last name of XXXX I received loan delinquency notice on XX/XX/2021, followed by several harassing collection calls from XXXX XXXX in the weeks that followed. During each phone call, I explained to that person that they had the check and provided them with the check number, amount, and the XXXX tracking number showing that they had received the check. I received a second loan delinquency notice on XX/XX/2021, followed by the same harassing phone calls in the weeks that followed. 

I faxed a copy of the check and XXXX tracking receipt to XXXX XXXX, as directed by XXXX XXXX on XX/XX/2021. I emailed the same ( check copy and XXXX tracking receipt ) to " XXXX '', as directed by XXXX XXXX on XX/XX/2021 and on XX/XX/2021. 

Despite all of the above, and assurances by each XXXX representative that they would correct this situation, I still receive daily phone calls from BMO collections people ( latest was this morning at XXXX ) advising me that my loan is delinquent and that I would be reported to the credit reporting agencies if it remained delinquent on XX/XX/2021 - until I explain the situation to that person the situation, and then advised that they would be resolving the issue. 

The loan payoff issued as actually an overpayment of {$480.00}. XXXX XXXX actually owes me a refund.

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ashton & Weinberg, Inc.
State: NJ

Complaint narrative:
I was contacted by a person named XXXX XXXX on XX/XX/21 and left me a voice message and it is given below : " This message is for my name and our company owner 's name. My name is XXXX XXXX I'm a private civil XXXX and I have been retained to do an asset liability investigation against both of you and your business scheduled to begin tomorrow morning at which time I will be contacting, interviewing any possible Banks, Merchants, Vendors, Customers you are doing business with, gathering public records such as liens and judgements. I will be sending this information off to the firm that has been retained my services. So, If you do have any questions prior to me coming out or any COVID related issues that prevent me from coming out please contact the firm of XXXX XXXX XXXX they can be reached out at XXXX XXXX XXXX and do reference the case # XXXX. '' When I did contacted XXXX XXXX XXXX and spoke to XXXX XXXX XXXX, asking about the information and He started in a rude manner that we owe a company named XXXX XXXX XXXX ( which we don't owe anything and XXXX is billing for unauthorized charges which was already in dispute ) and that Myself, the owner of the company and our company that he threatened to sue. When I asked him about his rude behavior he started using XXXX, abusive language and XXXX Slurs. 

I hung up the phone call and started searching online about this company and I saw lot of people are affected by this collection agency in the same manner and I have attached the links below of various complaints : https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX Collection Agency information : XXXX & XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX, RI XXXX Ph : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
I have pay my Morgege in full but my escrow money the mortgage company they not want to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed theres an account thats not mine and were never late. I sent a dispute letter in regards to EXPERIAN, XXXX and XXXX on XXXX and XXXX asking that it be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and EXPERIAN, XXXX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated 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 non-monetary relief
Consumer complaint received 2021-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX & on XX/XX/XXXX I sent a letter with a federal trade commission affidavit to the XXXX, Equifax, and XXXX explaining to them the information on my credit report was inaccurate and for them to investigate. I gave them 30 day to respond to me and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a notice that my account was past due. I made payment on XX/XX/2021 for a payment that was due on the XXXX of XXXX. The payment was taken from my account at XXXX Bank on the XXXX of XXXX. They did not POST my payment until XX/XX/XXXX conveniently a day PAST the due date so they added a late charge to my account. 
On XX/XX/2021 I made payment in the amount of {$97.00} to XXXX through my XXXXXXXX XXXX account again, payment due the XXXX of XXXX. They did not post and charged INTEREST AND ANOTHER LATE FEE. 
On XX/XX/XXXX I submitted paperwork to show my payments were made timely and it was their posting issues that were not MY FAULT. I have repeatedly tried to get this resolved and I get nothing but " canned '' responses to my secure email messages that they can do nothing until they " find a resolution ''. I PROVIDED WRITTEN CONFIRMATION from my bank account showing my payments to them with no result. Yesterday, they reported to the credit bureau that my credit limit has been reduced to {$0.00} from a previously assigned credit limit of {$750.00} causing damage to me personally from this report. I can not get anyone to fix this in Comenity Bank so I have had to resort to this method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
After refinancing my home, my loan XXXX {$390000.00} XXXX was sold 3 times after closing at the end of XXXX XXXX. Planet XXXX XXXX sold the loan to AmeriHome Mortgage XXXX XXXX, XXXX. Per my escrow instructions I sent my first payment for XXXX XXXX, XXXX to Planet XXXX XXXX in the amount of {$2600.00} XXXX {$1500.00} in payment plus {$1100.00} extra towards principle ). This lowered my balance to {$380000.00} which Planet XXXX XXXX transferred that balance to AmeriHome on XXXX XXXX, XXXX. Unfortunately AmeriHome shows a starting balance of $ XXXX and I am not given credit for that first payment of {$2600.00} sent to Planet. They constantly send letters and phone calls stating I am in the rears. 

I have reached out to AmeriHome XXXX times and spent hours trying to resolve this to no avail. I have sent copies of my canceled check, an activity statement from Planet which states the transfer amount of {$380000.00}. I also sent a copy of a letter from Planet stating the XXXX XXXX, XXXX is the date AmeriHome will be servicing my loan. I am at my wits end and hope you can help me resolve this problem. I will be attaching these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: GA

Complaint narrative:
I HAVE CONTACTED EACH COMPANY WITH A WRITTEN LETTER TO REMOVE THESE INQUIRIES FROM MY CREDIT FILE THAT I HAVE NOT GIVE CONSENT TO PULL MY CREDIT REPORT XXXX XXXX XXXX XXXX COAF XX/XX/XXXX CREDIT PLUS XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX MERCHANTS XXXX XX/XX/XXXX XXXX AUTO FIN XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: GA

Complaint narrative:
I HAVE CONTACTED EACH COMPANY WITH A WRITTEN LETTER TO REMOVE THESE INQUIRIES FROM MY CREDIT FILE THAT I HAVE NOT GIVE CONSENT TO PULL MY CREDIT REPORT XXXX XXXX XXXX XXXX COAF XX/XX/XXXX CREDIT PLUS XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX MERCHANTS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXXXXXX XXXX NA XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed theres an account thats not mine and were never late. I sent a dispute letter in regards to XXXX EQUIFAX and XXXX on XXXX and XXXX asking that it be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and XXXX  EQUIFAX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I receive a call from my banks number from the Fraud department. I was told that my account had been compromised and they had me reset everything. The number was in fact my banks number but it was spoofed. The person, XXXX XXXX transferred XXXX to their account with XXXX XXXX. I immediately reached out to my bank to see inquire about what happened. They told me it was a scam and the associate was not helped and refused to stop the ACH. I have been trying to get this money bank and the bank has not been helpful. They initially refused to close the account or even issue a new card. I had to beg them to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had loan modification done about 10 years ago with Ocwen/PHH. The loan modification which was supposed to account for the equity already built in from my previous lender was never accounted for in my new loan, and my daughter is just now bringing it to my attention. 

Ocwen/PHH instead is attempting to say that I still owe the entire original purchase principal, which will become due at the end of my mortgage as a balloon payment. 

I originally purchased the house for {$150000.00} in 1998, and yet to this day they say I still owe {$150000.00} dollars on my mortgage. My interest rate is at 3.5 % ... .and yet I was told that my mortgage payments over the past decade have been going to pay the home insurance they picked. Out of the {$1200.00} month payments I pay only {$75.00} go towards the mortgage .... 
This would have continued going unnoticed if my daughter had not flagged the fact that my mortgage balance on my credit report never changes and reflects that I have paid 0 % of the balance. Ive lived in and paid my mortgage for this home since 1998. I have never borrowed against my equity. This is fraudulent misconduct, and this company in no way shape or form is interested in fixing the problem unless they are forced to through legal action. 

I will have to find an attorney to help me with this. 

I would warn anyone to not take a mortgage with this company. All their customer support is based in XXXX, which adds to the feeling that this company has no interest in providing quality customer service. 

I highly recommend that this company be audited. 


Account info as reflected in their system : Current Equity : {$280000.00} Outstanding Balance ( not payoff amount ) {$150000.00} Principal Balance ( interest bearing ) {$35000.00} Deferred Balance ( non-interest bearing ) {$120000.00} Current Interest Rate 3.5000 % Stay away from this company at all costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We were discharged for bankruptcy in 2012. It shows up on our credit report and its been over 7 years. It needs to be removed after 7 yearsXXXX XXXX hasnt done it. Another credit bureau removed it why not XXXX It makes no sense. They want this to remain on the report for how 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 non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine and an account that was never late. I sent a dispute letter in regards to EXPERIAN, XXXX, and XXXX  on XXXX and XXXX asking that they be removed. Please note response should have been provided by XX/XX/2021. I have not received report and EXPERIANXXXX XXXX  and XXXX  are over the time frame required to submit a report to me. Please investigate and send me an updated 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 non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one closed both of my accounts without my authorization or consent. 
I would like to be compensated for this error of capital one and have both of my accounts paid off by them for their mistake and negligence and furthermore be compensated for XXXX for this mistake.

Company response to consumer: Closed with explanation