vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants & Medical Credit Corp. XXXX XXXX XXXX, XXXX, Michigan XXXX Has fraudulently reported a debt that is unrelated to me entirely. They have attempted to collect from me as well. 

They have been unresponsive to my calls and inquiries requesting personal information including my social security number and banking information whenever I try to determine the cause of the debt. When I do not give them my personal information they refuse to give me any further information on the debt. 

I am concerned that this debt could be the result of identity theft which is why I am hesitant not to give my SSN # or Bank ACCT # and ROUTING #. 

These seem like bizarre requests in order to gain more information anyway. 

I am concerned that this is a criminal enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-11-16 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: CNG FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX XXXX XXXX  is reporting a debt on my credit file that is not mine. I recently pulled my credit and noticed this debt reporting on my file. They are trying to collect for a debt with Check N Go. I have never had an account with Check N Go and I have told them that. This account is fraudulent and belongs to someone else. This account is on my credit and needs to be removed THE DEBT IS NOT MINE! This is really affecting my credit and I shouldn't have to deal with taking care of someone else 's account. This debt needs to be removed from my credit file and I suggest you find the correct person this belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I closed on my refinance XX/XX/XXXX through XXXX XXXX. My previous loan that was paid off was with Freedom Mortgage. On XX/XX/XXXX I contacted Freedom Mortgage as I had not yet received the {$12000.00} from my escrow balance that I was owed. This is despite already receiving a letter in the mail stating my loan account was paid in full and closed out. That letter was dated XX/XX/XXXX. 

Upon calling their company I was told that it is sitting in a queue and would take 4-6 weeks to process. I told them that is unsatisfactory to sit on $ XXXX of my money for that long and asked to speak to a supervisor. They stated a supervisor was unavailable and that they would log my complaint and have a supervisor call back. I have yet to receive a phone call and furthermore can not believe this is legal or ethical.

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 2020-11-16 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: WI

Complaint narrative:
Experian and XXXX  still have not deleted my public report that is fraud and not mine. As you can see, XXXX  deleted this as I provided them information that this is NOT mine. 
Experian and XXXX  continue to say its " verified '' so I sent a MOV letter but they have provided no documentation besides that it was verified. 

Experian and XXXX need to delete this as this is NOT mine and XXXX  does not have this on my credit report as its not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: DISCOVER BANK
State: TN

Complaint narrative:
In XXXX of 2020, we opened a secured credit card with Discover. We made all payments on time with no late balances nor issue. We made purchases on the card to just show the credit line was in use and maintained on our credit report. About two weeks ago we received an email asking us to verify some personal information. We submitted the information as requested through the IRS and contacted Discover to ensure that there was nothing else needed for us to regain access to our account and card. Today, on XX/XX/XXXX, they sent another email stating that our account has been closed. When I called to get information, as I thought this was surely a mistake, I was finally connected to a supervisor in account verification. XXXX told me the account was closed for a " business decision. '' We opened an account, paid our secured deposit and upheld every bit of what we were supposed to do. Two months later they decide to close the account for a business decision. 

We are in the long process of restoring our credit. This did not help, this actually puts us farther back than where we started.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Real Time Group, Inc.
State: UT

Complaint narrative:
Real Time Resolutions is reporting a debt on my credit file that is not mine. I recently pulled my credit and noticed this debt reporting on my file. They are trying to collect for a debt with XXXX  XXXX XXXX. I have never had an account with XXXX  XXXX XXXX  and I have told them that. This account is fraudulent and belongs to someone else. This account is on my credit and needs to be removed THE DEBT IS NOT MINE! This is really affecting my credit and I shouldn't have to deal with taking care of someone else 's account. This debt needs to be removed from my credit file and I suggest you find the correct person this belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: GA

Complaint narrative:
after recieving a call from the loan company, i agreed to make payments, i made a payment on line after falling behind from being sick. covic 19 came into play at work ours hours was cut. when i got a letter saying they would do a settlement i got the letter in mail so i called and tell me that they had filed a garnishment i explaind that i still had 5 days to take the settlement but the person said it was to late the letter reads lumpsum settlement or term settlement they didnt give me the chance to answer, i explained that i almost lost my home if it was not for the loan modiforcation on my mortage. i didnt think it was right to do me this way since we are under cov19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to Debt Recovery Solutions and all 3 credit bureaus regarding a collection/charge-off. XXXX  has since deleted the account from my report while the other 2 bureaus are still listed. It is well over 30 days and the account still hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: DriveTime
State: CA

Complaint narrative:
I DONT RECOGNIZE THE INFORMATION FROM DT CREDIT ... IT WASNT ME..PLEASE REMOVE INQUIRIES ... DATE IS XX/XX/2020 ... AND XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Kriya Capital, LLC
State: CA

Complaint narrative:
On XXXX XXXX I sent in a letter of validation to Credence Resource Management. I was asking for validation of this account I NEVER said it was fraud. They sent me fraud packet WHY??? Is this their way of prolonging doing their jobs? I am trying to fix my credit and this is just a stall tactic on their part. So now I have to spend more time fighting this over their mistake. I have attached the letter I sent in XXXX and the fraud packet they sent me you can clearly see I DIDNT ask for a fraud packet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
On several occasions I disputed my open HELOC account with Specialized Loan Service ( SLS ). On my XXXX  and XXXX  credit reports, SLS is reporting my HELOC as CLOSED with a balance. SLS purchased this account from XXXX on XX/XX/XXXX. My XXXX  and XXXX  reports from SLS shows a CLOSED date of XX/XX/XXXX. My account is OPEN CURRENT with no LATE payments. This error has caused me harm by reflecting a inaccurate debt to income ratio. I have been turned down for low interest rates because of this error. It is interesting that XXXX  is reporting my SLS account accurately, open current without late payments. Please help me obtain an explanation why SLS will not correct this error. I have disputed by phone email and certified letter without success. SLS blames the CRAs XXXX and 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 2020-11-17 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: CA

Complaint narrative:
I went to XXXX XXXX  on XX/XX/XXXX to try to refinance my house, but they denied me due to numerous negative accounts. ( XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX, and on XX/XX/XXXX I discovered that my personal information had been used by someone else and opened numerous accounts without my consent or authorization as listed above. I did not receive any money, goods, services, or any other benefits as the results of these accounts being opened under my name. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no perpetrators have been found as of today. Please delete the accounts above because they are a result of identity theft. I certify all my statements are true.

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 2020-11-17 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: CT

Complaint narrative:
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted Experian and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX  so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting Experian I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

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 2020-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I contacted Portfolio Recovery on XX/XX/2020 on a recorded line we came to agreement that if I payed XXXX $ this debt would be deleted. The agent spoke with manager to confirm this. They also sent a email and assured a letter of this agreement would be mailed to me. The agent on the phone assured me this debt would be deleted No later than than 30 days from the date on the payment agreement XX/XX/2020. Portfolio Recovery agreed to delete this debt off of my credit report. They left a balance on my credit report of XXXX. This was not the agreement. I also have documentation from the email that they sent of the agreement. I want this deleted as agreed on a recorded line to and per email once payment was made this would be deleted. This company is so shady and ridiculous. They should be fined!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
I had an FHA loan that was put into forbearance in XXXX. We made our last payment XX/XX/2020. Before that date we were current on our payments and never missed a payment ( we were current throughout our entire forbearance ). Our home was sold on XX/XX/2020 and the loan was paid off in full. However, our mortgage servicer ( Lakeview/XXXX  ) is not only reporting us 90 days late, they are showing us with a late payment in XX/XX/2020, two months after the close of our mortgage. We attempted to get prequalified to purchase a new home and have been unable to do so as a result of their negligence. 

We have been attempting to handle this with Lakeview/XXXX for the past two-three weeks with no success. They have promised someone would call multiple times which never happened. They sent a " letter '' to correct their mistake which was the same letter they sent on closing showing the loan was paid off. Originally, they said they had never reported us late to the credit bureaus, then required me to show them which credit bureaus were actually showing late. Once they had that information they said it will take 30 days to fix the problem even though it is their mistake. They are in clear violation of the Cares Act and the Fair Credit Reporting Act. I made all of my payments on time and fulfilled my obligation. Now, I am unable to purchase a new home due to them not only reporting me 90 days late, but reporting me late in XXXX 2 months after the close of the account. 

The email thread between myself and the mortgage provider is extensive. Today, I finally gave them until XXXX to call me to try to clear this up. It has been two weeks of them stringing me along. They said to give them time, someone would call. I said I needed someone to call today by XXXX ... they have had two weeks of time. They then said it would take 30 days to fix. I am tired, I did nothing wrong and I know I am not the only person who they have harmed in this manner. I am hoping by filing a complaint with you it will get someone's attention and possibly help someone else who has been harmed in the same manner.

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 2020-11-17 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: WI

Complaint narrative:
XXXX  and Equifax still have not deleted my public report that is fraud and not mine. As you can see, XXXX  deleted this as I provided them information that this is NOT mine. 
XXXX  and Equifax continue to say its " verified '' so I sent a MOV letter but they have provided no documentation besides that it was verified. 

XXXX and Equifax need to delete this as this is NOT mine and XXXX  does not have this on my credit report as its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Constar Financial Services, LLC
State: IL

Complaint narrative:
ON TODAY XX/XX/2020 I CONTACTED THE COLLECTION AGENCY AND WAS TRANSFERRED TOAN ACCT REP BY THE NAME OF XXXX. I HAD CONFIDED IN HER STATING THAT I HAD LOST MY JOB AND SINCE LOST MY PLACE I EDUCATED THE REP THAT I HAD MOVED BACK HOME TO MY PARENTS AND UNDERSTOOD I HAD A DEBT THAT I WANTED TO TRY AND PAY SOMETHING SHE TOLD ME I COULDNT PAY THE XXXX DOLLARS, TOWARDS MY ACCT THAT SHE WOULDNT TAKE THE PAYMENT I THEN ASKED HER AGAIN AND SHE SAID I COULD DO XXXX THEN XXXX PPA I TOLD HER MY ACCT WOULD BE OVER DRAWN AND SHE STATED THAT I HAD TO PAY THE XXXX. I HAVE NO JOB OR INCOME COMING IN SHE MADE ME FEEL HARASSED AND THREATEN THAT IF I DIDNT PAY HER SOMETHING BAD WOULD HAPPEN TO ME HOW CAN THEY DO THAT TO PEOPLE THAT ARE TRYING DURING A PANDEMIC AT LEAST IM TRYING TO PAY SOMETHING RATHER THAN NOTHING THEN MY FATHER STATED HED PAY XXXX ON HIS CARD AND SHE DECLINED AND STATED THE LEAST THEYU COULD EXCCEPT WAS XXXX I DONT HAVE A JOB I CANT PAY XXXX SHE HARAASSESSED ME AND SHE WAS BEOING FALSE AND MISLEADING THATS A UDAPP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I applied for a BJ 's Perks Mastercard which is issued and administered by XXXX XXXX XXXX. They denied me stating they could not verify my identity. When I contacted them what was meant by this statement I was transferred four times and then finally told they had no explanation for the statement they could not verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I Have called and i have so sent Proof and verifications of new addresses months before hand and the correct address has not been updated to my credit profile and every address on my profile has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: American Credit Acceptance, LLC
State: CT

Complaint narrative:
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XXXX  and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XXXX  I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XXXX  and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX  so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XXXX  I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company response to consumer: Closed with non-monetary relief