vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX  : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

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

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

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

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

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

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

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

9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

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

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

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

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

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

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

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

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

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

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

8. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I found out I was a victim of identity theft back in 2012, because I was going to rent an apartment for the first time, the apartment complex told me that I needed to pay more because I left an apartment in Texas. I did my research and the person who stole my identity was a friend who I used to have. He has been traveling from state to state. He also got some info from my wife. I tried to fix this with the social security department but they told me everything was gon na be ok and no farther changes needed to be done. I still went ahead and filed a police report back in 2012. Back then the issue was only the apartment, later on He got the cap one auto loan under my name and my wifes. I have been trying to fix this issue since I found out about it, but the company not willing to work with me, they only want the money and they dont care what my situation is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Southwest Credit Systems XXXX XXXX XXXX # XXXX XXXX, Tx On XXXX XXXX, 2021, Southwest Credit Systems added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$460.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express has established an extra account under my name which I have never used. 
They claim I have made payments on this account but I have not. I only made payments on a card I authorized but not the account they are referring too. 
Now they are claiming late fees and impacting my credit score. 
My bank has stated they do not show any proof that I paid for that account from my account. 
American Express continues to say i made payment but will not provide proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
NCA sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor NCA has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to send it within 5 days. This is a clear violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have previous Navient Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through SALLIE MAE which switched to Navient. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board.

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while XXXX  & XXXX  has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that XXXX  AND XXXX  FOLLOW SUIT AND DELETE ANY CLOSED NAVIENT ACCOUNT FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
My second mortgage account ( a downpayment assistanceloan ) was incorrectly reported in forbearance as of XX/XX/XXXX. I have never requested a forbearancenor would I ever need one on this account as it is a no-interest, no monthly payments due, and does not need to be paid until a refinance, sale, payoff, or XXXX. This was discoveredby another bank during a prospectiverefinance at the end of XX/XX/XXXX. 

I have requested this be corrected multiple times over the past month ( or more ) via phone of the bank 's ( XXXX Mortgage ) customer service line but have yet to be successful. I've also been reassured multiple times by customer service agents that this was under investigation ( which would take up to 20 business days, initiated on XX/XX/XXXX ) and, as of XX/XX/XXXX, that investigation was completed. The representative I spoke to on XX/XX/XXXX, told me that it was only investigated for XXXX and not all of the credit bureaus, even though I requested, multiple times, it to be investigated and corrected for all bureaus. The representative that I spoke to on XX/XX/XXXX, said that there would need to be anotherinvestigation with another 20 business day lead time. 

I also attempted to get a letter from the bank stating this account was never in forbearance and that it was in good standing so that the bank I was attempting to refinance with could continue the refinance while the credit report was updated. This letter was requested on XX/XX/XXXX. I received the letter on XX/XX/XXXX, but it was incredibly vague and was full of grammar/spelling errors. The substance of the letter is as follows : " We can confirm that for you loan ending in XXXX there was in forbearance on that account. That account is currently considered current and in good standing. '' This was not able to be accepted by the refinancing bank. Upon contacting the bank 's customer service I was then told that I would need to wait until the completion of the investigation mentioned above ( expected XX/XX/XXXX ) before they could issue a letter stating that the account was never in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am the XXXX  of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We remained open during the pandemic in large part due to the PPP loan we received from PNC Bank. 

In XXXX  of XXXX, we began the process of applying for a PPP loan through PNC Bank. We were one of the first agencies to participate in the PPP program and as such, when we applied for the funding, we followed the guidelines and guidance issued by the SBA via PNC Bank at the time.

We submitted our PPP Loan application with our supporting payroll documentation, health care costs and other related documentation. PNC calculated a PPP Loan amount of {$510000.00} based on the information we were instructed by PNC to submit to receive a PPP Loan. Later, PNC conducted a review of the PPP loan application and determined that we were only eligible to receive {$340000.00} and as such {$170000.00} is overfunded. 

We would NEVER have borrowed the additional {$170000.00} and now are being told our first payment of {$22000.00} is due on XX/XX/XXXX. 

I can tell you that every XXXX of the {$510000.00} PPP Loan was spent on payroll and employee related costs. PNC either misinformed or misrepresented the loan guidelines and supplied our agency with a criteria to cause the loan to be overfunded which resulted in a net profit to PNC, all of which was not made clear to our agency. 

We need your help in figuring out what to do next. We survived because we were able to use a PPP Loan provided on information PNC crafted for our eligibility. We should have our entire PPP Loan forgiven.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was on a forbearance plan with Shellpoint mortgage and we agreed to restart payments in XXXX and instead I received bill saying I was past due and owed for the month of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
I am filing a complaint against XXXX, XXXX  and Trans Union as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against XXXX, Experian and XXXX XXXX as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am resubmitted my complaint based on RESPA 1024.35 Error Resolution Procedures.

I filed a complaint against Shellpoint on XX/XX/2021 due to undue burdens on lender-placed insurance. They responded on XX/XX/2021 and willfully or intentionally removed/did not provided enclosures ( letter dated XX/XX/2021 ) showing that I provided sufficient evidence of insurance coverage. 

After receipt of their response, I have not heard back from them to remedy their omitted documents.. I also replied to their request for the condo master policy to be updated and it was received. 

I have issued a formal complaint against Shellpoint and request the investigation into XXXX XXXX into either bad record keeping, negligence, and/or intentional harm and placed lender-insurance against me. 

I have provided my letter and grievance to the AL state banking board and all documents of evidence to support my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
I have never had an auto loan with XXXX. I have submitted all the necessary information so this could be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, Experian, and XXXX to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I decided I should send dispute letters instead to validate the debt in hopes it would be deleted with no issues. Unfortunately that was harder than expected, all 3 credit reporting agencies did not remove these items from my validation letter efforts. Discouraged I called all 3 agencies again to see what I could do, thy instructed me to again file FTC ID Theft reports. So between XXXX I filed FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.

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 2021-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have previous XXXX  Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through XXXX XXXX which switched to XXXX. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board.

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while Transunion & XXXX  has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that TRANSUNION AND XXXX  FOLLOW SUIT AND DELETE ANY CLOSED XXXX  ACCOUNT FROM MY CREDIT FILE

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 2021-08-26 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: IL

Complaint narrative:
I have previous XXXX  Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through XXXX XXXX which switched to XXXX. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board. 

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while XXXX & Equifax has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that XXXX  AND EQUIFAX FOLLOW SUIT AND DELETE ANY CLOSED XXXX  ACCOUNT FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
I was contacted by someone on XX/XX/XXXX saying they were trying to serve me with court papers. When I asked in regards to what they gave me a 1 ( 877 ) phone number and case number and told me to contact them. When I did I was connected with someone saying they were a legal aid with Lewis , McDonnell & associates, and were trying to serve me with papers for a XXXX debt saying I owed $ XXXX+ with interest. I told them I had no idea about this and he said that if I did not set up arrangements that day I would be charged with theft that would go on my record permanently and I would have a judgment placed against me. I told him I was going through a divorce at that time and several things should have been handled by my ex and this is the first of me hearing about this in 6 years. He said he could only extend the offer to me while on the phone but if I didnt set something up not only would I be charged with theft but I would be responsible for process server fee as well as attorney fees on top of the debt that had been occurring interest. I panicked and set up a payment plan because he said he could not give me anymore time because they had sent a letter out to an address I told him I had not lived at since XXXX. After speaking with people about this they said it sounds like a scare tactic and I should report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
I have never had an auto loan with XXXX. I have submitted all the necessary information so this could be verified.

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 2021-08-26 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: GA

Complaint narrative:
I have never had an auto loan with XXXX. I have submitted all the necessary information so this could be verified.

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 2021-08-27 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: TX

Complaint narrative:
its been months since i disputed these item and they still haven't been removed, these items are harming my finance and making my life a reck. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars every year. I also feel they credit bureaus and the creditor didn't take my dispute serious and fail to address my concerns. Under US code 1681b-permissible purpose of consumer reports i never gave you the written consent to report anything on my credit report, no consent is identity theft and you can be held civil liable.

Company response to consumer: Closed with explanation