vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MA

Complaint narrative:
I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2015 with Discover Financial Services. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Discover Financial Services has taken federal reserve notes since XX/XX/2015 from I, the consumer. Discover Financial Services, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Discover Financial Services have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Im sick and tired of his bank denying me credit I applied in store this time as they told me with my id and their stupid system wont even pull my credir to see if I qualify for this card Tjx card why are they doing this to me must they hate me

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 2021-08-02 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am reaching out the CFPB for help in dealing with my mortgage servicing company, PHH Mortgage. I had reached out to PHH Mortgage back in XXXX of XXXX requesting a forbearance on my loan due to having a Covid19 related hardship after my employment was shut down through XXXX at least. PHH Mortgage stated my loan did not qualify for a forbearance. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX advising my loan was referred to foreclosure. 
I contacted PHH Mortgage again explaining Covid-19 related hardship and I was told there are no options because my loan was referred to foreclosure. 
I submitted a modification request in XX/XX/XXXX as I was back to work and able to resume making payments however, the request was denied XX/XX/XXXX. 
I do not understand why the bank will not help me or why forbearance was not an option. Like so many people here in New York as well as throughout the county was not given an option to work from home during the pandemic shut down. I did not receive any pay for six months from XX/XX/XXXX through XX/XX/XXXX. 

Now, my only option here is to reinstate the arrears owed that I can not afford which I am sure now includes foreclosure costs or lose my home to foreclosure?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collections Enterprise, Inc.
State: MD

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 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 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I received a call from XXXX at XXXXXXXX XXXX from someone who said he was from Receivable Management Services. I hung up on him. I XXXX the number and read they are an agency trying to collect on old debt. All my debt was recently dischargeded in bankruptcy and they should not be calling me. I have not received any debt validation from this company as required by law. I believe they trying to collect a debt they can not legally collect or this could be a scam. I don't know. I have not received a debt validation letter from them.

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 2021-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Loan agent said my current rate is 5.5 % and I would refi to 3.75 % dropping my payment amount {$150.00}. This was said on a recorded line from the mortgage company Carrington Mortgage. When the closer came out to my house with the paperwork, I noticed the rate was not what the loan agent told me we called the agent and he said he did not remember and I told the closer I wrote it down but I searched and could not find the paper I wrote it on. Days later I found the note. I called Carrington on XX/XX/21 and reported my issue. I want the recorded phone conversations reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: IA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have settled and/or paid off accounts and they continue to report long after the stature of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have settled and/or paid off accounts and they continue to report long after the stature of limitations.

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 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

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 2021-08-02 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 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: NJ

Complaint narrative:
XXXX XXXX  is reporting its tradeline, as if it were not paid. and after Charge off. The status of these tradelines were changed and, as the result of my last dispute and are in fact inaccurate, adding to the incomplete status of this tradeline. 

XXXX The XXXX Date is inaccurate. 
There was no XXXX Date, until updates occurred in XX/XX/XXXX Now the Date is inaccurate The Payment History puts the XXXX XXXX date as XX/XX/XXXX The Balance/Rating History is Incomplete The Status was Paid, Closed. {$290.00} written off to Account charged off. {$290.00} written off The Account was paid off to XXXX and in XXXX of XXXX It was half reported before my last dispute now, its been changed to a value that reflects it was not I believe it should say Paid after Charge off? 

Transunion Maximum delinquency for the month of XX/XX/XXXX is inaccurate and payment for {$290.00} is not displayed in my payment/balance history for this tradeline which violates XXXXMetro2 guidelines

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 2021-08-02 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular de Puerto Rico already made a mistake back in XXXX to the effect they had to issue a letter admitting the mistake on my credit report. Now, once again, and I spoke with them on Friday, XX/XX/XXXX and sent them an electronic mail on XX/XX/XXXX. Their mistakes have made me incur in time and resources due to their unprofessionalism. As I stated in my letter, Banks in Puerto Rico should be seroiusly and carefully monitored. Another PR Bank reflects a balance on my credit when it was paid in full in XX/XX/XXXX. The Covid-19 related excuses they use are incoreect as these errors can be fixed from their comfort of their home if they cared. TIME IS OF THE ESSENCE. INTEREST RATES ARE AT RECORD LOWS NOW. They are beyond anyones belief. I have had XXXX, XXXX XXXX, etc., NEVER AN ISSUE. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
I signed up to XXXX on XX/XX/2021 and cancelled after a week after realizing they had a poor user database and my " matches '' were far away from where I am located. I didn't even go on one date from that site. 
I followed the complicated steps to cancel membership which has a different name not " Cancellation '' ... to make sure I even emailed them since they have no customer service and they refused to give a refund/cancel. So I was like okay, I will just let them keep the {$150.00} they charged me already but I'm not paying anything else '' I had to cancel my debit card altogether and get a new one to avoid their automatic charges. Now I see they sent me to a Collections Agency even though I turned off my profile and I haven't used gone to their website or use their services. This is smart XXXX and abusive and they need to be Stopped. I'm trying to buy a house and the least I need is this bad record on my credit score because this company is fraudulent, since they don't have users, they exploit the few users they have. Beyond annoyed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: PA

Complaint narrative:
On XX/XX/XXXX, credit score XXXX, XX/XX/XXXX, credit Score listed as XXXX. Within that time period and 120 days before, there has been no negative activity reported on my account, no closed accounts, no late payments or collections, no over the limit notifications or instances. No changes whatever that would cause a drop in score, and such a significant drop at that on any of my consumer accounts reporting to Experian. 

When I reached out to Experian to resolve this issue, they stated that 1, they do not generate scores and they advised me to reach out to both FICO and a private credit counselor to explain to me why my score has dropped. Experian 's confirmed that there has been no activity to my account that would cause a drop in score but that they could do nothing about it since they only report the score, not generate the score. 

I am looking for a correction to my credit score along with an explanation as to why the chang ein score without a change to any consumer accounts.

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 2021-08-02 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: U.S. BANCORP
State: NY

Complaint narrative:
Someone stole my identity to open a credit card at the US Bank in XX/XX/XXXX. The card was regularly used in XXXX and XX/XX/XXXX and was closed due to no payment. The physical address, phone number, and email address are all fraudulent ones on the US Bank records. I was not in the US from XX/XX/XXXX to XX/XX/XXXX, and I contacted the US bank that this was a fraudulent account. On XXXX XXXX  XXXX, I have signed and filed back the Statement of Fraud the US bank send to me with the supporting document, such as my passport, border stamps, driver license, and other documents to prove I am not in the US when the card was opened and used, and my residency was not the same with their records. The Statement of Fraud also has my signature, which can not be the same as their collections. I also report this identity theft case to the police department and all credit bureaus. I asked 3 credit bureaus to remove this fraud item from my credit report. 

However, I have received reinsertion notifications from XXXX and XXXX on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They said they finished the investigation and the US Bank submitted a certification that the account belongs to me. 

I do not agree with the investigation result and believe the US Bank doesn't even want to try to check the truth.

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 2021-08-02 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have requested in investigation into the inaccurate information being reported on my credit report from a creditor XXXX XXXX. I submitted a request to have the information validated and verified to the Experian and XXXX XX/XX/XXXX and XX/XX/XXXX. Both Experian and XXXX failed to properly investigate and provide me with information regarding their findings. 

XXXX is reporting varying information to both creditors. ( Please see attached documentation of the information they have provided ) they are reporting date account opened to be XX/XX/XXXX with XXXX and XX/XX/XXXX with Experian. Although I have requested this information be investigated on numerous occasions the status of the last date updated with Experian was XX/XX/XXXX. XXXX failed to investigate an or provide me with any information regarding their investigation or findings, yet updated my account on XX/XX/XXXX As of now, I have not received a reply from either data furnisher regarding acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. Experian is showing an account status of XXXX I requested a verification of debt from the original creditor on XX/XX/XXXX requesting that they substantiate the validity of the debt under my right to Fair Debt Practices act to which they have failed to reply with any information to verify the debt owed to 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 2021-08-02 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: FL

Complaint narrative:
XXXX XXXX & TransUnion Credit Reporting keep reducing my credit scores without any adverse issues or credit activity. Not more than a few months ago all three agencies had maintained my credit score in excess of XXXX. Most recently XXXX  has reduced my credit score to XXXX ; TransUnion reduced the score to XXXX while XXXX has reduced my score to XXXX from XXXX less than 30 days ago. 

It appears, that unless I take out more credit or buy into their online services they ding my credit score.Other wise I have one of the cleanest credit histories you would find. 

I have contacted XXXX  and they sluff me off without any explanations. 

Can you please look into this matter at your earliest convenience. 

XXXX 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