vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/21, I received a call from Loancare, who is tied to XXXX XXXX XXXX who made the loan and did not sell it to anyone else, about my account payment being late. I was told by the robocall to call the number they were calling from. Odd, but I called back and got a person. The lady informed me my payments were late. I was paying biweekly and was well within the timeframe of both payments before the XXXX of the month. She was able to fix it and put a note in the file that this would be happening regularly from me for my account. The " extra '' funds were originally applied to the principal, but were recalculated to be part of the loan 's regular payment. I found out later that the funds were only applied as the later payment, and no benefit from " paying early '' would be seen. So, I felt the issue was resolved. 

Jump ahead to today, XX/XX/21. Same deal, robo call to call back. Called back and got the person to fix it. Then I asked how this can be fixed permanently as I will be continuing to pay biweekly. She informed me that they do not allow that and the system can not support that. As a web infrastructure engineer, I let her know that this was a choice by her company not to support this method of payment. She asked me to ask my bank to group them into 1 payment which XXXX stated they were unable to do. I asked her to escalate this request to her software " Tier 2 Support '', a common support request in web application support. She refused and said they will not be supporting biweekly payment options. I said I would continue to lobby for this and we ended the call amicably. The details have not been fixed on the site. 

Why do I care about biweekly? A : Pay less interest and B : make sure the necessary funds are removed at the point that they are available in case I need the later paycheck for other needs. Basically, for my convenience. 

Why would Loancare not do this? They do not want less interest paid to them and/or to do the work of reamortization of the loan payments in what would be an otherwise amicable transaction. Loancare does not care about their financially informed customers and chooses to do this. If they need a qualified web engineer to show them how to do it, please call me. Pro bono consultation! I just want this fixed and they refuse to do so.

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 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
My mortgage was in forbearance until XX/XX/XXXX with Flagstar. I called to see what options I had moving forward and was told my forbearance expired XX/XX/XXXX. I was never advised of this when my forbearance continuation was extended until XX/XX/XXXX. When I called to enquire why my online account was showing : You are currently on an active forbearance plan that is set to end on XX/XX/XXXX Please keep us updated on your financial circumstances so that when you are able to resume making monthly mortgage payments, we can provide you the best opportunity for an efficient mortgage reset. Please click Update Hardship Information to begin. 

I was told there's a problem with their online accounts and they are aware of this issue. In the meantime, there is nothing more they can offer me than to accept the deferral option I was approved for or file loss mitigation. This misinformation of the end of deferral dates and their lack of accountability for their mistakes finds me in a really bad spot. I would like the same options offered to me while my account was still in forbearance. After all, I was going by what I was told on the phone and what is showing on my online account. Furthermore, on XX/XX/XXXX spoke to three different people and received three very different answers. One said I was no longer in forbearance but protected under FEMA until XX/XX/XXXX, Second rep told me my account had a 30 day and 60-day late payment reporting ( never late on mortgage payments, prior to forbearance ), and the third was unable to do anything more after checking with her supervisor because my forbearance expired on XX/XX/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 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
In XXXX of this year I refinanced my mortgage. For a few days in XXXX the mortgage was held by Specialized Loan Servicing- and then it was sold to another institution. The problem Im having is that Specialized Loan Servicing has STILL not cleared the balance with the credit reporting agencies, even though the loan was paid in full well over 60 days ago.I called them XX/XX/XXXX, they told me it would be taken care of by XX/XX/XXXX. It wasnt. Now they are telling me XX/XX/XXXX. My credit score keeps going down, because it looks like Im suddenly carrying double the mortgage debt.They should not be able to report money that I do not owe, and never owed them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
I requested validation of a debt on XX/XX/XXXX from this collection agency. I have not received an validation of debt as of XX/XX/XXXX. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Wake Emergency Phys P A for them to release my medical information to a third party ( Amerifinancial Solutions ). I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any and all collection costs and medical charges -Please provide a copy of my signature with the provider of service to release my medical information to you -Immediately cease any credit bureau reporting until debt has been validated by me I have not received any information from this company. They are in clear violation and I requested deletion of this account from XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was Denied a Citi Custom Cash Mastercard because according to their algorithm Artificial Intelligence system and not a human I had too many inquiries. I called on XX/XX/2021 to see if I could be reconsidered but I was still denied. Keep in mind I have an active membership with XXXX  and XXXX XXXX and according to my XXXX XXXX XXXX, my credit score is a XXXX which is considered VERY GOOD CREDIT. I have an EXCELLENT payment history so there's no way I should have been denied that credit card. Prior to applying for their credit card, I had only 1 other inquiry so there's no way I should have been denied. I'm highly upset because this company not only discriminated against me due to my XXXX background, this company FAILED to give full disclosure to a consumer that you can only have 1 inquiry and it must be with them ONLY. I asked the representative if I could get their policy in writing and I was denied. As a victim of identity theft, how do I know this company won't open up a dummy account with my personal information they received? I want my personal information destroyed ASAP and I want this company reprimanded for engaging in false and misleading business practices.

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 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent numerous 609 letters regarding disputes to my credit file in addition to a 611 report asking the bureaus how they arrived to the decision to leave multiple charge off accounts as verified. 

XXXX XXXX XXXX  : Theyre alleging that I owe for an account with them but all 3 bureaus are not only verifying the accounts without a proper investigation, theyre illegally changing the date of last activity & the date of charge off theyre giving is XX/XX/XXXX while the bureaus are changing the information with every dispute. The information is not in line with what the creditor is reporting so it needs to come off. 

XXXX  XXXX : The credit card on my credit file ending in XXXX was paid off on XX/XX/XXXX & I was told by the representative I paid this off with that it would be deleted from my credit reports but its still being reported as derogatory when its been paid in full. This needs to be deleted. 

XXXX XXXX  XXXX XXXX : This account is showing open when in fact its already been charged off & with every dispute youre allowing updates in payment history & for this to be factored into my available credit. The date of last activity is also being reset to this year which is incorrect. This tradeline should also be deleted XXXX XXXX : On my XXXX credit report its showing that I was 60 days late & XXXX its showing 30 days late. I would like for the late payments to be removed since the creditor cant seem to keep up with accurate information regarding my account. 

XXXX XXXX : The credit card I had with them was paid in full but XXXX is still reporting this account as negative & XXXX as well as Transunion are still reporting balances. This account also needs to be deleted XXXX XXXX  : Last Active dates are all showing different which has something to do with the way its aged on my reports.This is inaccurate information that needs to be deleted

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 2021-09-17 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: TX

Complaint narrative:
I have sent numerous 609 letters regarding disputes to my credit file in addition to a 611 report asking the bureaus how they arrived to the decision to leave multiple charge off accounts as verified. 

XXXX XXXX XXXX  : Theyre alleging that I owe for an account with them but all 3 bureaus are not only verifying the accounts without a proper investigation, theyre illegally changing the date of last activity & the date of charge off theyre giving is XX/XX/XXXX while the bureaus are changing the information with every dispute. The information is not in line with what the creditor is reporting so it needs to come off. 

XXXX  XXXX : The credit card on my credit file ending in XXXX was paid off on XX/XX/XXXX & I was told by the representative I paid this off with that it would be deleted from my credit reports but its still being reported as derogatory when its been paid in full. This needs to be deleted. 

XXXX XXXX  XXXX XXXX : This account is showing open when in fact its already been charged off & with every dispute youre allowing updates in payment history & for this to be factored into my available credit. The date of last activity is also being reset to this year which is incorrect. This tradeline should also be deleted XXXX XXXX : On my Equifax credit report its showing that I was 60 days late & XXXX its showing 30 days late. I would like for the late payments to be removed since the creditor cant seem to keep up with accurate information regarding my account. 

XXXX XXXX : The credit card I had with them was paid in full but Equifax is still reporting this account as negative & XXXX as well as XXXX are still reporting balances. This account also needs to be deleted XXXX XXXX  : Last Active dates are all showing different which has something to do with the way its aged on my reports.This is inaccurate information that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan and these errors are hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am not aware of these accounts and they are affecting my credit report, please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
What's the method used to verify this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
my name is XXXX XXXX with SSN # XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please investigate those items and delete them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
On XX/XX/2001 I received a notification from XXXX credit monitoring that comenity bank/Victorias Secret pulled my credit. I did not authorize this to be done. I did not apply for credit with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
i sent out my final letter to SOUTH MISSISSIPPI COLLECTION on XXXX XXXX, about the alleged debts of XXXX and XXXX that i dont owe.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of {$150.00} and XXXX 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 30 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 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTHERN MISSISSIPPI COLLECTION has failed 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.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report, I can say that I've tried for 4 times or more, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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:
Attempted to file a dispute with Experian for three items. Experian took two not all three claiming a dispute was already filed with them for that item, it wasn't, not by me until today. Called Experian to get information about this bogus prior dispute and they had no information no dispute number no information on resolution. However, on the credit report it shows a prior dispute as resolved but customer unhappy with outcome. I asked XXXX ( CSR ) and he had no information. I filed complaints with FTC and the company but never with any of the credit reporting agencies for XXXX. This is fraudulent. The credit reporting agency is placing bogus disputes from 2015 that I never filed. Placing bogus outcomes on my credit report for a dispute i never filed. Mean while, they refused to process a legitimate dispute filed today by me giving the above rationale that is bogus. Someone is changing my credit reports while doctoring bogus disputes and resolutions. I am under seige with munipulated of my credit profile.

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 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
XXXX XXXX, i sent my final letter TO MERCHANT ADJUSTMENT SERVICES about some alleged debts of :107,107, and 155 that i don't owe. I have disputed asking for the validity of the debts at hand and they have not responded to my request within the 30 days.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the total alleged debts of {$360.00}. 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 30 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 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MERCHANT ADJUSTMENT SERVICES has failed 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2001 I received a notification from Experian credit monitoring that XXXX  XXXX/XXXX  XXXX pulled my credit. I did not authorize this to be done. I did not apply for credit with this company.

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 2021-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been a victim of identity theft and someone got an auto loan in my name. It just came up during the COVID Pandemic

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