vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 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: CA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I was in the custody of the XXXX XXXX XXXX. I was incarcerated in XXXX California. During this time, unknown persons tried to and have obtained credit using my information. An XXXX XXXX credit card was opened and a XXXX was purchased. I have already spoken to both companies, XXXX XXXX and XXXX regarding this and they are working with me to resolve the matter. When I was released from prison I filed a police report on XX/XX/XXXX after discovering the issue. I then proceeded to contact the 3 credit bureaus and sent in a letter explaining what had happened and to please assist me in removing these items from my credit report. I received a letter from Equifax stating they did an investigation and found the items to be mine, even after I sent them my police report, FTC report, and a copy of my intake and release documents from the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
We purchased a new XXXX XXXX and made the regular monthly payments on time. With about one year 's payments left on the loan, we refinanced our home to obtain a lower rate mortgage, and the mortgage lender sent a payoff amount to Kia Finance.

They sent in too much money, as their payoff amount was never updated as we continued to make regular monthly payments while waiting for the loan to close. I have called Kia Finance numerous times to request a refund and am always told it is '' pending '' and never told why they have rejected the request. According to the phone calls, we are owed {$1200.00}. the phone calls to Kia 's customer service ( who always apologize for the delay ) were made on XX/XX/21, XXXX, XX/XX/21, XX/XX/21, and XX/XX/21. They always tell me it is in a different department that they email, but no one contacts us to say there is a problem or that the check is forthcoming.

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 2021-08-13 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: IA

Complaint narrative:
A company XXXX XXXX XXXX XXXX turned an account over to collections after my bankruptcy was discharged. It is now showing on my credit as a collection discharged in bankruptcy instead of a closed account discharged in bankruptcy like it should. The other 2 credit bureaus do not have the information listed under collections like Equifax does. I have contacted Equifax and they have not taken any corrective action to have the account listed correctly. The account should be listed as it was when I filed for bankruptcy, they can not change it to in collection after the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI calls repetadly for days at a time then stop for a while then start again. When I answered the lady XXXX, I asked her where she was calling from she refused to answer and responded that she heard me and didn't understand why I was asking. She was rude and disrepectful. She also stated that this was " their due diligence '' and never revealed where she was calling from. I called the number in order to find out who was calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jeffersons Capital Systems garnished my payment without any notice or a heads up before the process continues. I personally wanted to settle the debt but they knowingly sent the court papers to the wrong address. I specifically said KNOWINGLY because they came to serve me at my current address, the previous address is not my residence. On XX/XX/XXXX I started noticing that my paycheck was being garnished without any knowledge or notice, so i called Jeffersons capital system and wanted to settle the debt. On XX/XX/XXXX we agreed that if i pay and make half of the payment they would initially stop the garnishment, its XX/XX/XXXX now and my wages is still being garnished. I've called and i gave them my work fax number for them to send the judgement to stop the garnishment. They have not done so. XXXX the manager there and XXXX as well lied and say that they would try to fax it as soon as possible but my job still has not received any mail or fax regarding this matter. I have satisfy the amount owed and more but they have not send my job the final judgement yet. I cant pay my bills, my son needs school clothes and materials to start the year. I don't have any funds left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I had unauthorized transactions and contacted paypal at XXXX as I obtained that number from the internet. I was given the employee name of XXXX XXXX at XXXX XXXX and a paypal employer ID XXXX. My case was NOT resolved, in fact they were obviusly fradulant. Yesterday I contacted another PayPal customer service and spoke to someone that told me they never give out employee ID #. This was phone # XXXX. Unauthorized charges include {$250.00} to XXXX XXXX, {$260.00} to XXXX XXXX, XXXX XXXX  {$85.00}. Are you able to provide me with any assistance? My email is XXXX and my phone is XXXX. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I closed on a new home with XXXX XXXX XXXX XXXX XXXX as my lender. The mortgage was subsequently sold to Dovenmuehle Mortgage. The closing disclosure dated XX/XX/2021 clearly states that I elected to waive escrow for my homeowner 's insurance and property taxes, and that only my flood insurance would be escrowed. XXXX XXXX XXXX XXXX XXXX told me that federal law required them to escrow my flood insurance premium, although I am not sure that this is true as in subsequent conversations their employees have made contradictory statements. In any case, the annual flood insurance premium is only {$490.00}. On page 4 of my closing disclosure it is clearly stated that a {$41.00} monthly escrow payment is all that will be charged to cover this. 

For the first few months the monthly charge was correct and all my payments have been made on time. But today I received a notice that my upcoming automatic payment on XX/XX/XXXX will include {$270.00} in escrow charges. I also received a separate piece of mail from them indicating that my escrow account was at insufficient balance to cover my homeowners ' insurance. I already paid my insurance company the full first year homeowner 's premium upfront at closing, and again the closing document clearly states that only flood insurance shall be escrowed as future homeowners and property tax payments will be made by me directly. To me this is a blatant breach of our agreement and an attempt to overcharge me. 

I also find it interesting that when I contacted XXXX and asked how they possibly could have mistakenly tagged my {$41.00} monthly payments as homeowners ' escrow rather than flood since flood insurance is required to be escrowed by federal law, the representative indicated that this is not true since my home was not in a flood zone at the time of closing. This directly contradicts what the mortgage officer who closed my loan told me. While I am alright with escrowing flood insurance, I would have preferred not to and only did so because XXXX told me it was a legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: FL

Complaint narrative:
On XXXX I sent a letter in regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not I have not received a response yet. I feel like they trying to take advantage of me and flat out ignoring my disputes. Section 611 ( a ), states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should have said something and removed them from my credit report 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 equifax data breach and may have gotten into the wrong person hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-13 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:
I found accounts in my credit report that I do not recognize. I do not jnow these accounts and I ask you to remove them as soon as possible. I can not have them in my profile before I apply for a mortgage. 

These are those fake accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-08-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
I filed a complaint against Celink and they claimed in their response that they took care of the problems ( XXXX ). Not only did Celink NOT resolve either of the original problems, they made it even worse with the criminal act of stopping payment on the check they finally wrote to me for {$9600.00}, which was payment of the insurance claim they had been holding for their own enrichment for eight, now nine, months. Celink wrote the check to me in order to answer my previous CFPB complaint and to claim that they had fulfilled their duty. Then they transferred my loan to another servicer, XXXX, on XX/XX/2021, and they stopped payment on the check! In California that is a felony! I deposited their check in my account in XXXX, but by the time their bank returned it to me unpaid, it was XX/XX/2021. When I tried to call Celink they refused to talk to me and said it is XXXX 's problem now and to collect the money from them. Celink is a deceitful and corrupt company. Before Celink transferred my loan they asked me to put my concerns about the false information they put in the CFPB reply in a letter to a certain address. I did that and Celink sent it back unopened with " Return to Sender '' on it. Celink illegally stole my money and then dumped the problem on the lap of a different servicer. Celink should not be allowed to stay in business. I will not let Celink get away with this, however many who have reverse mortgages are older folks who fall victim to these predatory tactics and lose their homes and their money to unscrupulous businesses like Celink. In addition, Celink never corrected their serious error of filing an unjustified and false foreclosure notice on the property. As executor, I am selling my family member 's estate. Celink filed a foreclosure without any notice at all, without any cause ( there was no money due at that time ), and in violation of my approved HUD Covid protection against foreclosure action. It is my belief Celink was deceptively trying to take the house and sell it at auction, which was their threat to the estate. Because of Celink 's predatory actions and the notice of foreclosure and impending auction that is listed now on realtor 's websites ( because a notice of default was filed with the county ) the estate has not been able to sell the house and close this account. We reduced the sale price of the house by {$150000.00} from the value assessed by the probate court appraiser. This is all because of a phony foreclosure filing by Celink! Celink 's actions have created a financial hardship for the estate. Celink should be investigated for predatory and illegal activities. Please post this on your website as a warning to others. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: AZ

Complaint narrative:
this collection and all the inquires are fraudulent i have contacted all parties in question and they all tell me its experian that has to correct it i have sent experian numerous disputes and they just use computer generated responses i need this corrected and to show 100 % accurate information experian did remove this collection once then they put it back on after 60 days after deleting it XXXX XXXX Original creditor : XXXX XXXX XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dealers, XXXX XXXX date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX AXXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : 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 2021-08-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my XXXXhree credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my three credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports 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 explanation