vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 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: DISCOVER BANK
State: MS

Complaint narrative:
I have had my Discover card since XXXX and I have never been late ; I got this card for the sole purpose to rebuild my credit. I want you to know that I understand my financial obligations, and if it weren't for COVID-19 I'd still have an excellent payment history. I am applying for a mortgage loan and it's come to my attention that the missed payment on my credit report is hurting my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a good will adjustment to remove the late payment on XX/XX/XXXX. Even if your company doesn't believe in good will adjustment according to Coronavirus Aid, Relief, and Economic Security ( Cares ) Act the late payment can be removed from my credit report especially since you have already refunded the late fee. My account is current and has been every since XX/XX/XXXX. Thank you for your consideration, and I hope you'll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: IL

Complaint narrative:
Equifax ( and only Equifax - not the other credit reporting agencies ) reported four delinquencies totally {$310.00} from the University of XXXX XXXX  XXXX XXXX in XX/XX/2020. The delinquencies were reported by XXXX XXXX XXXX. I called the XXXX XXXX XXXX and XXXX and both were unable to locate any of my information ( SSN, address, etc. ) ; therefore, I submitted a dispute to Equifax, including a personal statement, drivers license and all my personal information. 

I do not live in New Mexico, I have never been to New Mexico, nor have I utilized services online from New Mexico. The accounts are not mine ; however, Equifax and XXXX claimed to verify my information. Equifax told me that a New Mexico address was on my Equifax file ; however, I have never lived in this state. Equifax was totally unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Racism and discrimination played keep part in our refinancing process there was an ongoing engineered series of discrimination by our loan officer and the high ups and large even after filling countless complaints the company treated us with total disrespect and discriminated against us based on our ethnicity and race I worst came when they changed our locked lower interest rate to a higher interest rate because we complained about the poor services we were receiving as a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: FL

Complaint narrative:
Equifax is currently reporting an account on my credit that they advised me isnt on my credit. Equifax has not been reporting accurately. Please ensure that this account is deleted from my credit considering equifax has sent letter indicating this account isnt reporting. Ive included a copy of my credit report received from equifax that shows that please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I emailed Guaranteed Rate 's Special Loan department, per their Customer Service department 's direction with a request to put a lump sum of money toward our principal and to recast our loan. 

XXXX XX/XX/XXXX, I received a letter from Guaranteed Rate with the steps necessary to recast our loan. I called Guaranteed Rate Customer Service to verify that I needed to put another request in writing, per the letter, and to confirm that I can put both the amount to be applied to the principal ( {$100000.00} ) and the fee to recast ( {$300.00} ) on the same check. Customer Service reported that I did not need to write an additional request, but I did regardless, and my wife and I signed it. I then mailed a check for {$100000.00} to Guaranteed Rate on XX/XX/XXXX ( check # XXXX XXXX, which was cashed on XX/XX/XXXX. 

I contacted Customer Service the first week of XXXX to check the status of the recast because our XXXX payment was still in the original amount. Customer Service informed me that I was going to receive a packet via 2nd day Air from UPS, which I received on or about XX/XX/XXXX. In the packet, a letter dated XX/XX/XXXX confirmed the {$100000.00} amount in principal reduction and provided loan modification paperwork that needed to be signed and notorized. This process was completed on my end and sent back to Guaranteed Rate via UPS 2nd day Air on XX/XX/XXXX. 

I contacted Customer Service the last week of XXXX to check on the status of the recast, as our XXXX payment was still in the original amount. Customer Service informed me that it was being processed on XXXX and to wait to make the payment until it was adjusted/recast. 

Today is XX/XX/XXXX. I contacted Customer Service again, as the due payment is still showing as the original amount. They are sending an email to " XXXX XXXX '' to initiate the recast, as they can not do anything more. 

Guaranteed Rate took possession of {$100000.00} of my money in XXXX and received the paperwork they required before it was due ( per the XX/XX/XXXX letter, it was due on XX/XX/XXXX ). Their Customer Service department has no connection to XXXX XXXX and is unable to rectify any issues. I am being put at a great financial disadvantage, as I sent them an extremely large sum of money and am still being held to the old principal amount. If I do not pay by the grace period ( XX/XX/XXXX ), I will then be in bad standing. Guaranteed Rate is operating unprofessionally and unethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Regional Management Corporation
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Turning Point Solutions LLC
State: RI

Complaint narrative:
I received at phone call to my cell phone number XXXX at XXXX from a gentleman whom claimed to be calling to collect a debt from XXXX XXXXXXXX in the amount of {$410.00} he advised he needed to verify the last four of my ssn which he was correct, he then proceeded to say how can we take care of the balance i advised him that i would like a letter sent to me he advised he would do it through email and asked for my email address, when i received the email it came from XXXX there was a phone # to call XXXX also a letter attached, on the letter its not signed by corprate office or anyone from that company it does not disclose any options to dispute debt just states federal law requires we notifiy this is an attempt to collect a debt by a debt collector any any information obtained will be used for that purpose. states creditor is XXXX XXXX orginal creditor XXXX XXXXXXXX orginal acct # XXXX ref # XXXX. i then called the place where i took out the loan at XXXX at XXXX spoke to XXXX whom advised that there is no debt owed that it was XXXX and company paid it she then advised me to call there corp office so i did that at XXXX XXXX XXXX XXXX the woman i spoke with advised me that she has same system as XXXX so if XXXX is not showing a balance then there is no balance owed. she googled the ph # and info regarding Advanced Captiol Solutions and she advised it was coming up as a fraud ph # and to file a complaint with the CFPB, which i am doing now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NC

Complaint narrative:
XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX and the DEPT OF ED/XXXX  partial account number XXXX. Also, XXXX and Transunion are reporting that I am ( 30 ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also included my identification documents for reference. ) These FOUR accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove these 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 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Account satisfied / not owed / not mine falsely and repeatedly reported. Equifax denies I am the complainant and does so repeatedly to avoid accountability of regulators in violation of license and law. 

No moneys owed. Attached find record indicating same. Yet no documents contrary to nothing owed or substantiating complaint have ever been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: LA

Complaint narrative:
I recently started to monitor my credit with extra time on my hands this year with me not being employed and i noticed someone has stolen my identity i have several fraud accounts in my name i have tried getting this matter resolved with credit agencies and they are no help please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: KS

Complaint narrative:
I requested an investigation into the process of their investigation and they used a stall tactic saying my request was not specific. I am filing this complaint with the company name and account numbers provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CA

Complaint narrative:
I have tried multiple disputes with experian to try and resolve getting a public record removed from my report. They keep saying the company that reported this to them says its accurate but I have a statement from the company showing otherwise. I submitted this form to them and get no answer.

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to Capital One. I have two accounts Date opened XX/XX/XXXX with missed payment ( XX/XX/XXXX ) and Date opened XX/XX/XXXX with missed payment ( XX/XX/XXXX ). Payment problems appeared due to the pandemic. I am kindly requesting Capital One agency to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted the following creditors explaining I never applied for correct with them as Im not in market for a new auto loan : Equifax XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX  XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
This was an email received and do not appreciate being threatened like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent 5 letters to cmre financial for the alleged debts of {>= $1,000,000} certified mail/RRR, this is one of the letters below and the others will be attached as well : CMRE FINANCIAL SERVICES , INC ATTN : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX OF Alleged Original Creditor Account Number : N/A Debt XXXX Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$1100.00} Dear CMRE FINANCIAL SERVICES , INC AND XXXX XXXX, XXXX. XXXX, AND XXXX XXXX : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: VT

Complaint narrative:
I was victim of identity theft while working temporarily in the Mississippi area, someone opened a XXXX account with my information and defaulted on service bill, went into collection and is on my Transunion Credit Report - AGAIN. I called XXXX and resolved, they were to notify Collection Agency and fix - both XXXX  and XXXX  fixed this erroneous information, Transunion either did and brought it back or did not at all. Still shows derogatory in collection for account that is not mine. 

I discovered this after getting notification someone tried to open an XXXX XXXX XXXX account in same area of MS , I was able to stop that. I have since locked all my credit accounts, I need to open them in order to apply for credit. While trying to get a new credit card where they use Transunion and my score was notably lower than that of the other two agencies, I discovered this inaccurate information. I am 730+ on other two and only XXXX with Transunion and need 720+ with them for a 7.45 % interest rate card with my Credit Union - quite tired of the inaccuracies of these credit reporting agencies that have us by the 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