vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
In XX/XX/XXXX Carringron Mortgage Conoany reported my mortgage account as being 30 days late. I was bewildered because my account is on a bi-monthly payment plan that pulls funds from my account on the XXXX and XXXX of the month for the applicable months payment. When I went online there was no indication that the amount was not paid because the payment status appeared up to date. When I called and inquired they indicated that a payment on XX/XX/XXXX was not processed and returned by the bank. I mentioned I was unaware of this and did not receive a call or any communication indicating the payment was returned. They indicated the payment was unable to be pulled until XX/XX/XXXX which was 30 days late. I dispute this account because I was not made aware that the payment was not pulled as the account status appeared up to date. Additionally, the bi-monthly payment plan makes the mortgage payment into on the XXXX of each month which means a payment on XXXX would not have been 30 days late. Lastly, there is no documentation that describes the payment requirements, etc. when on a bi-monthly payment plan so this reporting is predatory, unfair and extremely harmful. I have paid my account on time for nearly 3 years and have never had this issue. I signed up for the bi-monthly payment plan in XXXX ; however, based on the ambiguity in the requirements, payments, etc, I have opted to cancel this plan. I am requesting accurate reporting of my payment history on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to experian regarding inaccurate information on my report in reference to an account reported by advance collections bureau. According to the FCRA its a violation to report inaccurate unverifiable information. Its also a violation for this info to continue reporting if after 30days this account wasnt verified. Ive attached copies of my certified mail receipts, i have spend alot of money to resolve this issue please help

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 2020-09-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
SO I WAS CAUGHT UP ON PAYMENTS FOR CITIZENS ONE. I WAS TOLD THEY PLAN TO FORECLOSE ANYWAY AND WHY DONT I JUST GIVE UP!! THESE PEOEPLE SPEAK BROKEN ENGLISH!! I CALLED BACK SEVERAL TIMES TO GET A NUMBER OR NO ONE WILL PICK UP. THEY HAVE HARRASSED ME DAY NIGHT, SOMETIMES FIVE PHONE CALLS IN A ROW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ULRS, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I learned that a company called Credit Collection Bureau had filed a negative report with XXXX  and XXXX  claiming that I owed a debt of {$1300.00}, opened on XX/XX/XXXX. On XX/XX/XXXX, I sent a certified letter to Credit Collection Bureau asking them to verify or validate the debt because I do not owe them any money. The XXXX  report said the original debt allegedly was in the amount of {$920.00} and allegedly owed to XXXX XXXX XXXX. Through talking to a XXXX  representative, I learned that this debt actually originated in XX/XX/XXXX, not XX/XX/XXXX. I have never been contacted by XXXX XXXX XXXX or Credit Collection Bureau about owing a debt and therefore these companies never advised me of my right to dispute the debt. I do not owe XXXX XXXX XXXX any money from any services provided in XXXX. All money owed to them was paid by me at the point of service or by my insurance carrier. I also sent a certified letter to XXXX XXXX XXXX requesting information about the billing they claim I owed and the dental office has not responded to my letter. I believe this debt was added to my credit history to attempt to collect on a debt that I do not owe. Further, even if this was an actual bill of mine, they are attempting to collect on zombie debt. I have no way to prove that I do not owe this money when neither company has provided an actual bill for services that I can then investigate further. If the Credit Collection Bureau will not respond so that I can validate the debt, then I want them to remove their negative report from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CUSTOMERS BANCORP, INC
State: NY

Complaint narrative:
There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX XXXX XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

Customers Bank has reported to the credit bureau that I am four months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, Customer 's Bank should have and could have withdrawn automatically.

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 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
ACE Cash Express used XXXX tactics to gain money for a debt. They harassed us over the phone, they had a phony law firm call us and threaten us with legal action and thousands of dollars in legal fees if we did not take action immediately. They said they were XXXX XXXX XXXX  .... the only " XXXX XXXX XXXX  '' is a personal injury firm, irrelevant to collecting debts. They sent us fake documents stating that legal action will be taken if we don't email them the documents back signed. They only received {$200.00} from us before we caught on. In XX/XX/2014 there was a settlement against Ace cash express for this very same thing. Im here to inform you they are continuing their XXXX  tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Trustpoint Lending Corporation
State: CA

Complaint narrative:
Received a deceptive advertising in the mail, called to obtain the advertised rate within days of receiving the mailing. I have over XXXX credit scores, excellent income, for primary residence for a single family home under 80 % value, so and met all listed criteria and the rate was almost 1 % worse than the mailing. Clearly they are using the mailings for fishing and being deceptive with their advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, FULL payment of the loan was paid via check. 
On XX/XX/XXXX, the over payment was issued via check to me and the account was closed AFTER I contacted them asking why nothing had happened with the account. 
On XX/XX/XXXX, I filed a dispute through XXXX  that the account was paid in full because I was trying to obtain financing for a vehicle purchase and was told that my debt to income ratio was too high because of this loan. 
On XX/XX/XXXX, Greensky told XXXX  that the account was NOT paid in full. 
On XX/XX/XXXX, I filed a second dispute through XXXX  that the account was paid in full AND uploaded documentation showing that it was paid. 
On XX/XX/XXXX, I contacted Greensky who confirmed that the account was paid in full and told me that they had told XXXX that it was paid in full but " XXXX   takes 30-60 days to update ''. XXXXOn XX/XX/XXXX, XXXX  received another denial from Greensky stating that the account was not paid in full and it was to remain on my credit report. 
And now ... I'm filing this complaint because no one should have to FIGHT to have their credit updated after paying off a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : Re Account number XXXX On XX/XX/XXXX, I pulled my credit report on XXXX  and discovered that this account was reporting as Included in Bankruptcy with a Transfer or Sold status. On XX/XX/XXXX I disputed this account with XXXX  in order to correct the Transferred or sold status notation. A Discharged debt can not be sold or transferred per the FCRA, and the US bankruptcy rules, and must reflect the correct account status, Included in bankruptcy. On XX/XX/XXXX, I was alerted that this account had an Updated status as Transferred or Sold, without any notation that is was discharged in bankruptcy. XXXX  stated that this account has been verified per my dispute according to XXXX. It was updated with erroneous information on my credit report, and the date of last active or last reported, did not change, which would indicate that the account was in dispute. Nor did the the account show it was under investigation. On XX/XX/XXXX that I sent a certified letter to XXXX XXXX XXXX XXXX, advising them of their disregard in reporting accurate information to the credit bureaus, and Demanded its correction and or Deletion :. As of XX/XX/XXXX, XXXX has not responded to any of my disputes or letters sent to them. This blatant disregard of the fair credit reporting act, is destroying my credit profile, and creating denials of new credit. This debt was discharged in Bankruptcy court on XX/XX/XXXX, and under the fair credit reporting act it must show accurate or be deleted in its entirety. XXXX  is reporting this account as Discharged in bankruptcy. The last active status matches my bankruptcy filing date as XX/XX/XXXX, but the account is showing a Date of last payment on XX/XX/XXXX, which is four years past my discharge date. This also falls under the same guidelines as above. XXXX, was served with the same court information as the other creditors in my petition, and are blatantly disregarding the Rules of bankruptcy. It is now my understanding that this account has been sold to a company named Unifund. Please note : Any collection attempt on a discharged debt is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: FL

Complaint narrative:
THERE ARE THINGS ON MY CREDIT REPORT THAT I NEVR HAD. I HAVE NO IDEA WHERE THIS STUFF COMES FROM. I JUST KNOW THEY ARE IMPACTING MY SCORE AND THATS NOT FAIR. I HAVE INQUIRIES THAT I HAVE NEVER INQUIRED ABOUT. PLEASE REMOVE THIS STUFF FROM MY CREDIT AND SEND ME A COPY.

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 2020-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THERE ARE THINGS ON MY CREDIT REPORT THAT I NEVR HAD. I HAVE NO IDEA WHERE THIS STUFF COMES FROM. I JUST KNOW THEY ARE IMPACTING MY SCORE AND THATS NOT FAIR. I HAVE INQUIRIES THAT I HAVE NEVER INQUIRED ABOUT. PLEASE REMOVE THIS STUFF FROM MY CREDIT AND SEND ME A COPY.

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 2020-09-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
Hi My Name is XXXX I have dealt with Regional Finance ( XXXX, Texas ) branch XXXX XXXX XXXX, for 4 yrs at this point and they have service 3-4 prior loans for which i was never late with a payment and paid all of them off early. 
I was adversly effected by covid and lost my form of income. I notified them of this and attempted to make arrangemnets. I have submitted bank statements and proof of a drastically reduced income. On one attempt after months of recieving calls they denied a reduction in payments. 
What makes this worse is that My wife is an XXXX  of XXXX XXXX and has been harrasssed for being married to me. My wife knew nothing of this loan was not included in references at all. I had be dealing with Regional Finance 3 yrs prior to her being XXXX  by them.

I have requested them to leave her out of my personal loan yet they have repeatedly attempted to involve her causing a really bad home situation.

I explained this to there Corporate office and the situation has gotten worse. 
Intimidating me by using my wifes XXXX  as harrassment is unjust. 
Me and my wife have never discussed finance with one another we have seperate bank accounts. They have involoved her in my personal matter and caused undue stress in my household. I have offerede to pay on interest only until I am gainfully employed once again yet was met with " have your wife Pay it ''. 
I dont know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
This account was paid off on XX/XX/2020. Per agreement and state laws, Caine & Weiner was suppose to update all credit bureaus of this account update. Caine & Weiner took my money and agreement then sent me a receipt for payment and stating that all collection activity will terminate immediately. I've repeatedly call this company and have begged them to update this account and they refused. Two representatives from this company hung up the phone in my face and I managed to ask the other rep her name at the beginning of the call due to the unprofessional tactics used previously.I spoke with XXXX and received a receipt from XXXX XXXX and a very unprofessional representative that was laughing in the phone at this matter. I spoke to that rep on XX/XX/2020 and her name was XXXX XXXX. 

This company is still illegally reporting this debt that was paid to all three credit bureaus. This company took my money and refuse to update tradeline. My next step is to follow up with my attorney and file sue for illegal debt collection practice, fraud and more. This company has caused further damage to my credit and it has been well over 30 days. This is the last and final request for Caine & Weiner to  remove/delete this tradeline immediately or I will begin suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Called Capital One Bank on several times to try an resolve the ongoing problem not my card but they wont remove it off my credit bureau it's been almost three years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 — Problem with personal statement of dispute
Company: Allegiant Capital Recovery LLC
State: MD

Complaint narrative:
XXXX XXXX has reported an account I never was able to dispute. When I contacted them, they told me the collection was with XXXX XXXX XXXX. I attempted to reach them and was unsuccessful. I filed a complaint and their response was they didnt report it and my debt is with another company. Again, I was not notified from the Creditor or the agency of this debt at all in no form or fashion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/2020, I purchased a lawn mower from Home Depot for {$440.00} dollars. They advertised {$50.00} credit for a purchase of {$300.00} or more if i sign up for their credit card. The credit card company offering this is CitiBank. Now Home Depot offered {$5.00} off my purchase if i signed up to recieve email notifications so I signed up for that. Home Depot states that they are denying my {$50.00} credit for signing up for the credit card because they gave me {$5.00} off for signing up for email notifications. This is bait and switch. Both are legitimate offers and followed the rules when applying for each. There is nothing that states these two separates deals may not bed used together because they are unrelated. One is for HomeDepot, the other is CitiBank. I am asking Home Depot to apply the {$50.00} dollar credit that is owed to me for singing up  for the credit card. If they wish, they can deny my XXXX dollar off coupon and I can use it for my next purchase but the {$50.00} credit is owed to me since was approved for their credit card.

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 monetary relief
Consumer complaint received 2020-09-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have  got into the hands of the wrong person.

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