vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have an FHA loan from BB & T and due to the pandemic we have had no option but to apply for a forbearance plan. They have called me countless times from beginning of XXXX ( I didn't pay only the month of XXXX ) to tell me I have a missing month that in fact the forbearance plan I applied for will put XXXX in the end of my loan term. I have heard the word foreclosure countless times, until I school them on what my plan and rights are. I applied for the plan that puts my missing months towards the end, I am not missing payments to get calls 20+ times. Agreements don't mean anything anymore. They call me and ask about my information before disclosing anything, how can I trust them if its no scammer. Each call takes 10-15 minutes of my day, due to an error on their end.

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 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
BB & T # XXXX has a incorrect balance reporting due to fraud. Charges applied were not made by me. I tried to call bank but had long hold time. Disputed with credit bureaus and made a formal complaint. I can not locate card so I assume it was stolen or dropped. The card should be closed as lost/stolen. I'm not sure how long its been missing because I hadn't been using it. I refuse to pay for something I didn't charge. Reporting it as such is unfair it's illegal. Please help me resolve this matter amicably and swiftly.

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 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed accounts I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've sent numerous of certified letters to Experian regarding unauthorized inquiries and unverified and unvalidated accounts. The following inquiries were not authorized by me : XXXX the following accounts have been disputed and no information regarding these accounts being validated has been provided to me ; therefore, they need to be immediately deleted from my fille : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Past case : XXXX Auto lease with XXXX  inaccuracies in reporting several lasts payments between XX/XX/XXXX and XX/XX/XXXX. 
I have filed several complaints with XXXX, this is the XXXX complaint. 

All three major credit reporting agencies are reporting late payments and negative information. 

XXXX needs to update XXXX, XXXX, Trans Union and all others that have inaccuracies due to their mistakes. 

XXXX has admitted to this negative data being a mistake yet time after time they have failed to fix it. 

XXXX continually closes case without contact with me. They dont follow through as they indicate they will upon a first call. 

Again- I am asking for all three major credit bureaus be informed of the mistake and the negative data removed. 

The first 3 complaints to XXXX via this method resulted in three different responses and promises to fix yet nothing has been done in over one year. 

XXXX is being asked by me to NOT CLOSE this case until contacting me to explain the problems they are having. Im expecting them to perform by removing damaging and problematic False data from said reports.

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 2020-09-03 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:
Past case : XXXX Auto lease with XXXX  inaccuracies in reporting several lasts payments between XX/XX/XXXX and XX/XX/XXXX. 
I have filed several complaints with XXXX, this is the 4th complaint. 

All three major credit reporting agencies are reporting late payments and negative information. 

XXXX needs to update XXXX, Experian, XXXX XXXX and all others that have inaccuracies due to their mistakes. 

XXXX has admitted to this negative data being a mistake yet time after time they have failed to fix it. 

XXXX continually closes case without contact with me. They dont follow through as they indicate they will upon a first call. 

Again- I am asking for all three major credit bureaus be informed of the mistake and the negative data removed. 

The first 3 complaints to XXXX via this method resulted in three different responses and promises to fix yet nothing has been done in over one year. 

XXXX  is being asked by me to NOT CLOSE this case until contacting me to explain the problems they are having. Im expecting them to perform by removing damaging and problematic False data from said reports.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc.
State: NH

Complaint narrative:
XXXX at Meridian Financial Services , inc has been told on more than one occasion, that I am available to talk on Fridays. Yet they still call everyday some times more than once. The started right of at XXXX something XXXX  this morning. I have tried block the number no good. 
I have also explained the pandemic hit while I was taking care of 7 people one income. 
This is a very disgusting way to treat people. I do believe it will be a few months and all will hopefully be settled. The daily needs to stop and Fridays need to be respected. Harrassment is unexpected. Respect goes a long way.

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 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Already reported Capitol One 's egregious and fraudulent overdraft fees for XXXX payments, 4 fees charged for a total of {$170.00}. Wrote a complaint to CFPB, and bank then refunded the fees since I did transfer XXXX the day before. They never sent me the letter posted on CFPB, I NEVER received the {$25.00} customer service credit either! 
Please help me get the {$25.00} credit they promised to send to me that they never sent. I also want them to mail me this letter they only sent to CFPB and not me. Disgusting bank practices. Not happy with this bank or their services!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Amazon send a cancellation of debt form last year saying that the debt I owed was discharged at that time the charges off balance was {$1600.00}. They sent me a 1099-C tax form also saying the debt was cancelled. Then I was disputing the way they reported with the credit bureaus they changed it saying that now I owe {$2100.00}, instead of my account being forgiven of the debt, that also made my credit score lowered by over 20 points. I have file 2 disputes with XXXX  and no update.

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 2020-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: GA

Complaint narrative:
Dear To Whom It May Concern, I am sending this letter to inform you that I have been in a hotel with my family of XXXX for two month. 
( Because my lease was up )! and on XXXX XXXX I was set up for closing with a closing attorney in XXXX, Ga which I to send them my 3.5 percent on XX/XX/XXXX. But on closing date the attorney office never received the final paperwork. So my load offcer stated that we was still in underwriting. 2 weeks pass then on XXXX XXXX i received a letter from XXXX XXXX  services stating that my loan was approve and i also received my three day disclosure and I was supposed be closing in XXXX XXXX. One XXXX XXXX. I received a call from my loan officer stated that a XXXX in underwriting won't let us closing because of a collection back in XXXX which I paid to comply with underwriting. Then on XX/XX/XXXX XXXX in underwriting cleared that debt issue now underwrite is hold on closing because tax issue which we took care of the tax issue. Them a weeks went by on XX/XX/XXXX, I received a call from my loan officer stated that now there is. Issue with my down payment to prevent us from closing. XXXX stated the cash of {$4700.00} cant be a source of down pay with out a paper trail. Which I wrote a letter of explanation on where and when and why with documents for a paper trail for {$4700.00}. So now my family are just living in this hotel until we get and answer from XXXX the senior underwrite who handle my file ... 
This problem specifically concerns the below premises : Purchase Home XXXX XXXX XXXX XXXX, Georgia XXXX Please do whatever is necessary to address this problem as soon as possible. 
You may contact me at the above address if you have any questions.You may also contact me using by email. 

So I file complaint with the XXXX  for XXXX XXXX  XXXX. On XX/XX/XXXX. I received a letter response to my complaint. And the stated that my loan officer XXXX XXXX @ city worth fail to Comply XXXX conditions of the loan and he never rely to few email. They also stated that XXXX XXXX the loan officer stated that I was interested in the load any more. Which i never stated th as at all. I also ask to sign a termination agreement to give my earnest money to the seller.. which I didnt sign. So the seller sold the house.. and I'm homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NY

Complaint narrative:
I have negative reporting on my credit report from IQ Data International in reference to monies owed to an Apartment complex in the state of Georgia. I told them it was not me and that I never lived in Georgia. I used to date a young lady there and she and her family members took it upon themselves to forge my name on an apartment and a utility billing addendum. When I contacted the credit bureaus they just said the debt was validated. I asked for a copy of the lease agreement but they had the collection agency to send me what they are using as proof of validation which was not an apartment rental lease agreement but only an utility billing addendum. When I saw what they provided, it was clearly not my signature. My name was printed out not signed and the other parties on the utility addendum had signed signatures. I responded to the credit bureaus and the collection agency with a letter in which I both signed and printed my name. I also sent them a copy of my drivers license and social security card showing the signatures did not match. They are still reporting this and I asked that it be deleted. Anyone can walk in with others and say they are me and print my name on a document but if there isnt a signed lease, thats because I was not a tenant in that apartment unit. I want that debt removed from my credit report immediately. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: VA

Complaint narrative:
XXXX XXXX & Hunter Warfield told us nothing of alleged damages when we moved out. Then, when we found the debts on our credit reports we disputed them. We received no notice, no invoice, nothing. XXXX XXXX ( Hunter - warfield ) ILLEGALLY verified the debt as valid through the credit agencies despite multiple challenges. Providing only an unitemized invoice that we never received as verification to the credit bureaus. 
We have notified both XXXX XXXX and hunter warfield. We have challenged the debts. they remain on our credit reports due to the companies illegally claiming the debts were valid

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 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America committed corporate theft by withdrawing finds from my back account for a minimum payment due when there is a XXXX  balance. 

I called the service number on the back of the card on XXXX at XXXX XXXX, XXXX, " XXXX '' justified the corporate theft by stating auto pay is set up for the account. It is, and I responded that I am looking at the auto pay parameters and it states the minimum payment will be processed, but there is no balance? I terminated the call after XXXX decided again to justify the theft committed by Bank Of America.

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 2020-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOPA EQUITIES
State: CA

Complaint narrative:
The car was paid off through my insurance company XXXX on XX/XX/19 in the amount of {$11000.00}. The remaining balance of {$470.00} WITH XXXX collection was paid off as well. Supporting documents have been uploaded. Please remove from 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 2020-09-03 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: Tesla, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I signed up for PPA Lease ( Agreement ) with SolarCity, such agreement was never reported on my credit report until this year. SolarCity was acquired by Tesla. However, this agreement now reflects a " loan ''. No where on my agreement with Telsa agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act. 

Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to TransUnion disputing a late payment in XX/XX/XXXX that was on my credit file. On XX/XX/XXXX TransUnion mailed me back the investigation results. The results was verified as accurate and updated. The same investigation report changed the date which is also inaccurate. Now it's showing on my credit report that I have a late payment of XX/XX/XXXX. I have proof that I made my late payment on time. I provided a copy of my bank statement showing proof of making my payment on time in XX/XX/XXXX. 

I'm having a difficulty time mailing letter to correct my information on my credit file with TransUnion. They keep changing the late payments to a different date. 

Thank you.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
We have current account with XXXX XXXX XXXX. We are setup on an autopay and our account is in good standing. We do not owe anything. I have an extremely common name and get mistaken often for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore Loan Servicer as of XX/XX/2020 has 1. stopped sending monthly statements, 2. refused to speak on the phone with us regarding the missing statements and 3. regarding our modification application. Rushmore, even though is our Servicer, said we must only speak with their attorneys XXXX, XXXX XXXX XXXX. We refuse to speak with any adversaries at a law firm and demand the Servicer, Rushmore, speak with us the customer and provide monthly statements as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: MD

Complaint narrative:
I was provided with incorrect information twice. on XX/XX/11 I was told that the account I was complaining about would be reported correctly on XXXX. I called on XXXX and was told I need to call the dispute department so they could add the account ( that did not make sense to me at the time but I did it anyway ). I spoke with the dispute department who told me they coud n't add an account and I can't dispute information that's not there. I asked to speak with a manager every time but was told they would just tell me the same thing the rep was telling me. It was extremely difficult to access a manger they fought me tooth and nail before someone finally transferred me. My problem with them is, I have  an account that is not being reported on Equifax but is reported on XXXX and XXXX. The creditor of 20 years told me multiple times that they are reporting it to Equifax but for some reason, Equifax is not reporting it. Equifax has by far been the worst agency to deal with, and I am a subscriber of their premier credit monitoring plan. I still have not had this issue resolved. Other creditors may pull my Equifax fico score and it would be incorrect because of their non-reporting, this would cause me financial harm in terms of higher rates or declined credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.

Company response to consumer: Closed with explanation