vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: VA

Complaint narrative:
Lending Club continues to list and report my payment as late to credit reporting agencies, despite the fact that the initial error in receiving payment was their fault as acknowledged by their employees, and the recorded conversations that I have had with them, and their own internal records. I have called numerous times and asked to speak to a manager, I have requested that a manager contact me to no avail. Each time I call, the representative is typically too lazy to read the notes on the account before requesting payment on the account. Additionally, I have emailed and requested that a manager contact me to no avail. On at least three occasions Lending Club employees have advised me not to make a payment until this matter is resolved. I am ready to pay this entire amount that is owed and wish never to be bothered with this company again if this matter can be resolved. It should not be this hard given all the detailed records and recorded conversations for this to be resolved. Everything that I have stated can be verified by Lending Club 's records taken during conversations with their employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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: Colony Brands, Inc.
State: VA

Complaint narrative:
I have contacted ALL 3 Credit bureaus on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2020. I have contacted them about a particular account XXXX XXXX account # XXXX. The other 2 credit bureaus XXXX  and XXXX  I explained to them that I'm a victim of identity theft they request proof from the creditor and they found that the account did not belong to me and they have deleted. XXXX  claims they receive proof that the account belongs to me and refuse to remove the item from my credit file. So now another company called XXXX XXXX account # XXXX that's reporting the same item on my credit file and they refuse to delete it. They are reporting it as a charge off. 

On XX/XX/2020 I sent another certified letter also letting XXXX   know that XXXX  and XXXX  deleted the item. I was told by a rep that the other credit bureaus had nothing to do with them and the item will remain on my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX I found an add on XXXX market place for a home for sale for {$500.00}. I emailed the man who posted the add and he told me he moved stated and was looking for someone to take over payments of his house. I was extremely interested. He emailed me an application which I filled out and returned. On XX/XX/XXXX I was told I was selected to move in and I was required to wire my deposit of {$1000.00} to his account. I sent the money and it processed through. I went to the home to look at the area, he told me I wouldnt be able to go inside but he would send me the keys as soon as soon as he could ( it was a Sunday so Im assuming he would send them Monday. ) When I went to visit the home a neighbor came out and I explained my situation and she told me I am the second person to come through for a false add. He was using another mans identity. I contacted the real realtor and he apologized, for he has tried to take down the adds for the house online but they keep popping up. I contacted Chase for a refund but since it was through XXXX with XXXX through Chase I am unable to get any money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I've had my credit frozen for 1.5 years due to extreme identity theft. I had to lift the freeze to allow for a credit check when refinancing our home. I am unable to place the freeze back on my account and Experian has no way to contact customer service to help with this issue. When I attempted to log-in with the pin they gave me to lift the freeze, I'm unable to do so. There is not an online option to put the freeze back on. There is not a number to speak with anyone, it is just a robot that doesn't give you the option to speak with anyone and just hangs up. How is this possible?

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 2020-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: WA

Complaint narrative:
Hello, On the second day after the COVID-19 forbearance was announced I contacted Ed Financial Services via their customer questions form. I did this because I couldn't get through on my first calls and they had not updated their information like my other student loan lender XXXX. I checked back for weeks and they never updated the site, saying information was coming soon. This is why I attempted to get this filed electronically. 

However, they claim I failed to make payments and have filed a report with every credit bureau. This is the first time I was alerted to a problem. Unfortunately due to the amount of telephone fraud I do not answer my phone, preferring communications I can login and verify prior to giving up personal information. Also, it appears the number they call me from is marked as spam by my cellular provider XXXX. The last email I received from Ed Financial was in XXXX long before the covid-19 bill took effect. 

They now have corrected the error with the forbearance but are refusing to fix the ding on the credit reports. This negatively impacts my credit score, ability to buy a house, apply for loans or reduced interest rates. Prior I had a perfect credit history in this regard. 

I simply want the false negative records on my account removed and to have Ed Financial take some responsibility for not taking customer service communications seriously. They could have emailed and I'd have dealt with it right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TX

Complaint narrative:
Experian should not be reporting a collection/charegeoff in the amount of {$980.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, ever had a charge card with XXXX. I have contacted XXXX and spoke with XXXX a representative for XXXX his ID number is XXXX. XXXX tried to locate my account using my full legal name and social security number and he was not able to locate any account under my name. He did locate another customer with a similar spelling to my name however the social security numbers were different. This false reporting of a collection/chargeoff account that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau, as well as, XXXX to remove this however, I have not been successful.

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 2020-05-07 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: PR

Complaint narrative:
Back in XX/XX/XXXX I disputed online with Experian an erroneous account ( XXXX/XXXX ) on my credit report. The results were it was verified. I continued to dispute it in XX/XX/XXXX and XX/XX/XXXX asking for their method of verification, they continue to verify it without providing their method of verification or providing any documents to prove this account is 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 2020-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I Sent Bridgecrest a letter Of Validation On A Account They Trying To Collect On Over 30 days Ago ... .Bridgecrest respond to the letter With A COPY OF A CONTRACT which Is Not What I asked..I Was Asking Them How Did They Come Up With The Extra Money They Trying To Collect From Me .... ( I Will Enclose A copy Of The Sample Letter I Type Out ) ... .They Didnt Do Anything I asked Of Them INCLUDING DO NOT CONTACT ME BY PHONE ... I Asked Them To Contact Me Through Mail ... They Cant Prove To Me Where This Money Coming From, This Car Is PAID IN FULL, I Begging Them For Proof Of This Money They Saying I OWE ... They Reporting Two different Totals {$3.00}. & XXXX. On Different Credit Bureaus ... But wont send me anything saying How This Possible..They Violated By Calling Me Repeatedly When They Were Asked NOT TO CONTACT ME BY 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 explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
I have contacted the bank for over a month. The loan holder passed away on XX/XX/2020. I am the confirmed successor in interest of the home. 

I first called their loan servicing company on XX/XX/XXXX to explain that the homeowner had died and that I was inheriting the property. They in turn immediately filed for a foreclosure sale, knowing that ownership had already transferred to me. 

It took them a month to confirm me as the successor in interest. I have filed loss mitigation papers and they have given many excuses, including, I must assume the loan in order to be considered for loss mitigation. I have informed them over and over that I am able by law to make modifications without assuming the loan. This is my legal right. The bank refuses 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 2020-05-07 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:
ALL " CRA '' CONTINUE TO REPORT OUTDATED AND INCORRECT DATA OF ACCOUNTS NOT MINES/ NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX '', XXXX XXXX AND UNAUTHORIZED INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TX

Complaint narrative:
I Submitted a report to Equifax regarding my name is incorrect and address is incorrect I have a complaint number ID but when I dialed the number to try to get an agent you are unable to speak to someone due to the call keeps dropping. Ive tried calling them several times during their new hours of operation due to COVID. They sent me an email saying I have new information but Im unable to speak with any agent due to Equifax disconnect the call when holding for an agent. The number Ive dialed is ph # ( XXXX ) XXXX which is the # they have on their system to call. I am unable to use the automated due to my address is incorrect and the system want you to input your street # as verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed these accounts a few times. A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed XXXX XXXX accounts # XXXX for {$370.00} & # XXXX for {$420.00} were opened fraudulently on XX/XX/XXXX, both accounts were then acquired by Portfolio Recovery Associates on XX/XX/XXXX. Today, XX/XX/XXXX, I sent an email to XXXX. I have also sent a copy via mail to this office CFPB, XXXX, FTC & Massachusetts AG office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
On XX/XX/XXXX I found out that I was a victim of Identity theft after Win Law Group ( representing XXXX ) levied my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter.Furthermore, my personal information showed on the XXXX XXXX XXXX XXXX is incorrect. 
1. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. 
2. On XX/XX/XXXX Case the comment was Unsatisfied in XXXX County and on XX/XX/XXXX another comment of Unsatisfied in XXXX County. However, I have never lived in XXXX County of  XXXX County. I only have one address which is : XXXX XXXX XXXX, XXXX XXXX CA XXXX since XX/XX/XXXX. I have tried to dispute this ID Theft issue with Win Law Group and XXXX XXXX, hoping to remove this case and have a refund of the levied amount. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such  thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
As you know we are in the middle of a pandemic people have been laid off or otherwise let go because of this situation. It seems however that Capital One bank doesn't seem to care about the well being of their clients as ive noticed that they have reported my credit card payment as late and affected my credit score by more than 60 points, I guess Capital One has no morals at all. This is completely unacceptable behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: MD

Complaint narrative:
I have been making payments toward this debt for over a year. This debt collector adds interest to my account weekly, reports it to my credit weekly. Essentially, this debt can never be paid off, because everytime I make a payment, they add " interest '' to the account in the amount of the debt. I have paid over XXXX toward the XXXX debt, but now they are telling me my balance is XXXX. I asked for a copy of my statement showing payments applied as well as the interest applied and I am continually told that they have to talk to a supervisor to see if that's something that they can do. Even with the interest rate they told me of 18 %, it would be impossible for my balance today to be XXXX from an original debt of XXXX with the payments i've made. 

Today, XXXX after leaving several voicemails and then calling and refusing to be sent to voicemail, I spoke with Ms. XXXX. I asked her ( 1 ) for my balance - was advised it is XXXX ( 2 ) for the interest rate - was told it is 18 % ( 3 ) why it is being compounded and reported weekly - was advised she wasn't aware of that ( 4 ) for a copy of my payment history and statement - was advised she'd have to speak to a manager to see if they can provide that. 

She advised she was not able to provide help as to the interest even after I pointed out that this would not allow me to ever pay it off, if the payments are then added back as " interest ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-05-07 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:
ALL " CRA '' CONTINUE TO REPORT OUTDATED AND INCORRECT DATA OF ACCOUNTS NOT MINES/ NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX '', XXXX XXXX AND UNAUTHORIZED INQUIRIES

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 2020-05-07 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:
ALL " CRA '' CONTINUE TO REPORT OUTDATED AND INCORRECT DATA OF ACCOUNTS NOT MINES/ NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX '', XXXX XXXX AND UNAUTHORIZED INQUIRIES

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