vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 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: DISCOVER BANK
State: PA

Complaint narrative:
made 2 inquiries within 60 days with no consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
This company has accused me for 19 years of owing fines related to a motor vehicle infraction. I have paid the debt and my driver 's license is clear and valid. I have requested proof that the debt is outstanding and the company never provided any proof whatsoever. They continue to send letters claiming money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have cleared/paid off a collection account with XXXX XXXX I, XXXX ( a debt collection agency ) for a credit card account originally with Citibank. This payment became official on XX/XX/2021. 

I have been told by XXXX XXXX XXXX XXXXXXXX that this collection account is eligible to be removed from my credit reports with XXXX XXXX and XXXX. I would like that done immediately since the debt has been paid.

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 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
We are receiving robo calls from Navient XXXX two or more times a day except on the weekend. When we pick up it states to select an option to connect to loan agent. We do not have any loans and are older and retired. I looked up the company and it is for student loans. Neither of us had a student loan. We would like the calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 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: IL

Complaint narrative:
After a review of my credit report I began disputing a fraudulent account appearing on my credit report. 
XXXX performed their investigation and removed the fraudulent account. I continued to dispute with XXXX and Experian with no resolve until submitting a complaint with the FTC. 
After the FTC complaint investigation, XXXX  then removed the fraudulent account. 
Experian changed the name of the disputed fraudulent creditor to the name of yet another fraudulent creditor using the same information ( alleged account number, alleged amount, etc. ) I have filed another complaint with the FTC. This alleged account has been investigated and removed twice already and Experian continues to reinsert this fraudulent account under different name variations.

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 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
this complaint is against experian with copy to their subscriber XXXX XXXX. 
EXPERIAN TRIES TO DISSUADE THE TIMELY PRESENTION OF UPLOADED EVIDENCE IN AN ACTIVE DISPUTE BY NOT ALLOWING UPLOAD TO PUT IN EFFECT MAIL TIMES AND THE ALOTTED TIME FOR EXPERIAN TO RECEIVE. 
XXXX IS AN ACTIVE DISPUTE.THE DEBT IS THE PRODUCT OF FRAUD.AN FTC POLICE REPORT OF ID THEFT HAS ALEADY BEEN DELIVERED TO NON RESPONSIVE EXPERIAN .THE EVIDENCE TO THIS DAY IS THE CRIMINAL COMPLAINT AGAINST THE ORIGINAL CREDITOR OF XXXX XXXX IN REGARDS TO MY '' DEBT ''

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 2021-07-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: EQUITY RESOURCES, INCORPORATED
State: NC

Complaint narrative:
Below is my statement ; however, a short summary is that I was promised a Mortgage Credit Certificate, paid the application fee, have an email from XXXX XXXX saying she had applied for the MCC and it was good to go, and ultimately XXXX XXXX forgot to process the MCC. This mistake will costs me tens of thousands in tax credits. I have tried to negotiate with XXXX, XXXX, and XXXX XXXX to no avail. I was never informed that the MCC was not included. I was deceived and misled with the loan and the lack of the MCC greatly alters the financial aspects of this loan. 

Toward the end of XXXX, I contacted XXXX and XXXX XXXX, with XXXX  Equity Resources, regarding a potential USDA loan with a Mortgage Credit Certificate ( MCC ) for the state of North Carolina. XXXX had stated that they are extremely familiar with both products. We discussed both products in detail and I decided to move forward with securing a loan through XXXX Equity Resources. 

On XX/XX/XXXX, XXXX XXXX contacted me via email stating that she had applied for the MCC. She then called to state that I would be receiving revised disclosures to reflect the {$470.00} MCC application fee. Every disclosure from XX/XX/XXXX onward included the MCC Fee. 

On XX/XX/XXXX, XXXX contacted me regarding difficulty obtaining an appraiser who could provide an appraisal before XXXX. Even though my closing date was for XX/XX/XXXX, I agreed to an increased rushed appraisal fee to receive the appraisal before XXXX. 

After not hearing from XXXX or XXXX, I reached out on XX/XX/XXXX to inquire about the appraisal. On XX/XX/XXXX, exactly three weeks before the scheduled closing date, XXXX informed me that the appraisal was never completed. XXXX stated : " I sincerely suggest that you talk to another Lender. XXXX is on a 2 day turn time so you should have no problem closing on time. You are fully approved with us, and Im glad to forward your documents. '' I did not find this acceptable, so myself and my realtor were able to find an appraiser to complete the task. 

Due to the appraisal being delayed by over a month, the closing was delayed by less than a week. Closing was changed from XX/XX/XXXX to XX/XX/XXXX, not even a week past the original date. 

A few hours following the closing, I emailed XXXX to inquire about the MCC paperwork and the logistics of that process. XXXX then told me that she had forgotten the MCC due to the change in closing, but she could refund the {$470.00} MCC Fee. 

This mistake will costs me tens of thousands in tax credits. I have tried to negotiate with XXXX, XXXX, and XXXX XXXX to no avail. I was never informed that the MCC was not included. I was deceived and misled with the loan and the lack of the MCC greatly alters the financial aspects of this loan. XXXX Equity is an approved lender for MCC through the XXXX. The only reason I worked with this company was due to the MCXXXX. 

I look forward to your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have Home Loan from Newrez LLC, So there is problem with Escrow payment, of XXXX Dollers. 

This payment is for XXXXTax Bill which i paid from my bank account, and New Rez also deduct same amount from my escrow account.on date XX/XX/2020 and after that XXXX county sent that check back to New rez.i have copy of letter from county.

and i am calling newrez from last one, but no body want to give my money back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
Team, I see inquiries run on my XXXX  report and i am not aware of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a line of credit through PayPal Credit which is contracted through Synchrony Bank. The contract provides customers deferred forgivable interest meaning that if the account is paid in full prior to the deferral period expiration then all of the interest is waived. I have had repeated issues with this bank essentially making it impossible to set up a specific amount through AutoPay that would ensure that the account is automatically paid off during this period. First, I changed the AutoPay amount to a higher amount to ensure that it would be paid off, but I was told that it would not take effect prior to the next scheduled withdrawal ( even though the withdrawal had not yet happened ) because a statement had already been issued. This was annoying because many other credit servicers do not do this, but I let it go and again budgeted accordingly to attempt to ensure that the automatic drafts would pay off the account before the expiration of the deferral period. However, the situation became significantly escalated when I realized that a statement was never issued for the month of XXXX. I inquired about it to see why it never issued and was told that sometimes this happens. Then I asked on XX/XX/2021 whether the Autopay amount that I had set up would still draft, and was told that no, it would not. I have repeatedly tried to set up a specific amount that would be automatically drafted so that the account would be paid off prior to the deferral expiration. However, it seems like this company keeps using random loopholes to ensure that an early payoff will not happen. Luckily I am on top of it, but many other customers of this bank may not be. This would cause them to suddenly have a bunch of interest accrue to their account without expecting that this would happen and cause significant issues with their budgets. 

I believe what Synchrony is doing is unethical, and possibly illegal. Therefore, I am submitting this complaint so CFPB can look into this.

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 2021-07-06 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: I.C. System, Inc.
State: MS

Complaint narrative:
On ( XX/XX/2021 ) please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the account and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My CITI Credit card lowered my credit limit from {$3000.00} to {$2000.00} after I made a {$900.00} payment to lower my balance. They said it was due to my credit report. Nothing has changed in my credit. If anything it has improved from when I first received the card. Now they want me reapply to increase my credit limit which would mean running a credit report and lowering my score. They have now left me with a {$76.00} available credit and will cause a negative impact on my credit. The company was no help. Told me it wasnt all based on my credit and wouldnt tell me what else it was based on. They were no help and are damaging 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 2021-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian states they receive verified information from XXXX XXXX they do not have any bankruptcy my file.Please send me proof.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
HP Sears is furnishing my medical information which is a violation. i have never given them my written consent to furnish my information. A violation of the FDCPA. 
I refuse to pay the debt and I asked them to validate the debt to no avail. I asked for an original wet ink signature, the contract between me and HP Sears stating that we were in business and they have the right to collect on a debt. Again to no avail. 
I'm not sure how they were able to locate me and continuing to report this inaccurate information is in direct violation of the FDCPA.

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 2021-07-06 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: EQUIFAX, INC.
State: CO

Complaint narrative:
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! 

The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information!

The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.

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 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Date : XX/XX/2021 Amount {$740.00} Agency : Southwest Credit System. I was a victim of identity theft the collection company knows and has a copy of by police report and is continuing to report the fraud collection on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.

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 2021-07-06 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: EQUIFAX, INC.
State: CO

Complaint narrative:
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.

Company response to consumer: Closed with explanation