vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NY

Complaint narrative:
I have contact 21st mortgage multiple times about not being able to make my payments due to losing my job due to COVID. They tell me there are no programs or any kind of assistance available to help with my mortgage payments. I believe this is because I have a learning XXXX and they use this against me. They like to think I am stupid. prior to losing my job, I never missed a payment and had a good payment history for the past 10 years. I inquired about forbeance. They stated that this was not an option for me. I have been out of work since XXXX. I did however make a mortagage payment with my last check in XXXX. I attempted to make a payment in XXXX by selling some of my belongings for them to only return my payment to the bank, after sending me a receipt for the XXXX payment. I received a letter in the mail today saying help was available and to contact a XXXX XXXX. I contact her with no availability. XXXX XXXX told me even though I received a letter staying that if I have a temporary hardship. The assistant said they still could not help me and send out these false letters by law. I have been under a hardship since losing my job. I cant even buy food or pay my electric bill. These people do not care and do not offer any solutions or help to get you back on track. They just said letters saying they will help you, when they wont because its the law. I can not give someone money I do not have. I have been attempting to sell my home. As I thought I had a potentially buyer. They have backed out of the sale. I do not want to deal with a company like this who doesnt give a XXXX about their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: NY

Complaint narrative:
I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.

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 2021-10-19 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: WI

Complaint narrative:
XX/XX/2021 XXXX XXXX  reported to the credit bureau that we were delinquent on our XXXX payment. We made our XXXX payment by sending in 2 separate payments in XXXX. In XXXX we decided to refinance with another company. I had already sent in one payment towards XXXX payment which they reported they received on XX/XX/XXXX. We did a stop payment on the 2nd payment that was sent in on the XXXX of XXXX. I then called on XX/XX/XXXX to have our first XXXX payment refunded because we found out wed be closing on our new loan in XXXX and wouldnt need to make the XXXX payment. A few days later we received the refund. I received a letter in the mail stating we were late for XXXX and so I inquired. I looked into my account and noticed instead of them refunding my XX/XX/XXXX payment, they refunded my XX/XX/XXXX payment causing their system to make it look like we hadnt paid our XXXX mortgage. This resulted in a late fee and then requiring us to pay for XXXX, which had already been paid. I contacted XXXX mortgage on XX/XX/XXXX to dispute this action because we had done everything correct. I sat arguing on the phone with someone for 2 hours trying to explain how they had done everything wrong on their end until I finally asked for a supervisor. The supervisor, XXXX XXXX asked that we send in proof of payments, which I sent to her via email on XX/XX/XXXX. I have yet to hear anything back on a resolution. I have emailed 4 times for an update. Our loan was paid off on XX/XX/XXXX yet shows us as late on XXXX payment. I am beyond frustrated with this company and just want things cleared up!

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 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 Flagstar Bank , FSB at XXXX XXXX XXXX, XXXX, TX XXXX supposedly made a completely unnecessary payment of {$1400.00} from the escrow account they " manage '' for my XXXX XXXX loan that is serviced by them to the " XXXX XXXX XXXX XXXX XXXX '', a.k.a. XXXX XXXX XXXX, for homeowners insurance that was not due and was in fact Paid in Full by me on XX/XX/2021 prior to Flagstar Bank taking over as the service of this loan on XX/XX/2021. 

I called Flagstar Bank ( FSB ) today and after speaking to a general representative who transferred me to their insurance department. I was told by that representative of FSB that to not have my escrow account under funded when my XXXX property tax bill comes due, I would have to contact the " XXXX XXXX XXXX XXXX XXXX '' and ask them to send me a refund for the overpayment FSB made in error, and then I would need send that money back to Flagstar Bank. 

The issue is that the " XXXX XXXX XXXX XXXX XXXX '', which I also talked with today reports they have never received any additional payment against my policy. So I am left with an escrow account that is short {$1400.00} as noted on the Flagstar website due to their clerical error and confirmed verbally by both their agents today. 

I have backup documentation for all of this and would be happy to supply to this agency.

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 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/2021 National Credit Systems , INC received my letter requesting documents such as validation of accounting and verification of my legal obligation to pay the alleged debt of {$1200.00}, of which they have posted on my consumer credit reports. The company has not responded to my request in 30 days with the documentation requested, which is a violation of the Fair Debt Collection Practices Act. This account is not mine and I have no legal obligation to pay the alleged debt. Due to the violation of the Fair Debt Collection Practices Act, this account must be deleted from each of my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: SC

Complaint narrative:
This is my 5th attempt at respectfully trying to achieve a lawful resolve of my situation. I've asked on 3 occasions to have an investigation of items that are reporting inaccurately on my credit report be removed. My cases were closed as the credit bureaus were using stall tactics claiming that I was using a 3rd party to submit these requests and that additional authorization was needed. I reopened my cases submitting proof that no 3rd party existed in submitting my disputes. I've recently received notification from the credit bureaus that the inaccurate information that continues to report has been verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit bureaus to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed.

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 2021-10-19 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: OH

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX XXXX XXXX XXXX a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to XXXX XXXX XXXX XXXX to remove this fraudulent information from Experian credit bureau and XXXX XXXX XXXX XXXX disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX XXXX XXXX agencies could not provide that information. I want this information removed IMMEDIATELY! I have attached my FTC affidavit.

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 2021-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit acceptance had a representative to contact me that was suppose to be a part of their legal team. I have informed them that one the vehicle debt has gone beyond the statue of limitations to collect. Two the account is not on me for collection because XXXX XXXX XXXX along with Credit Acceptance Authorized sale of this vehicle at an auction and I was never informed or made aware of this. The vehicle was damaged in the flood of Hurricane Harvey and it was taken to XXXX XXXX and it was not inspected by the insurance company until XXXX because they were so far behind. They lied and stated that they tried to send me a message by mail and that makes no sense when the Service Manager literally came to my job to discuss the vehicle. I went to the dealership and the vehicle was not there. I was told it was sold in an auction and It could not been sold unless Credit Acceptance approved and at no point was I informed of this. I have not been infirmed how much the vehicle was sold for. I have no idea If there was a surplus of of funds and if the proceeds was applied to the balance. I believe that this debt is fraudulent and it remains on my credit as an active account being reported as a late payment and open account as of XX/XX/2021. I no longer expect them to be honest in their reporting of this account.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without y written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  Ststus XX/XX/2021, Open/Never Late. Comment section : COMPLETED INVESTIGATION OF FCRA DISPUTE - CONSUMER DISAGREES. This caused my credit report to drop 5 points. I did not initiate a FCRA dispute. False information.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without y written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
I have been harassed by this company they have called repeated time and sent repeated things in the mail. On XX/XX/2021 I got a letter from Revenue Group that states that they are collecting and alleged debt. This letter is false and misleading. On XX/XX/2021 I received a phone call at approximately XXXX XXXX  they also called me 4 days later on XX/XX/2021 at approximately XXXX XXXX  these phone calls and things in the mail have received from Revenue Group has been very stressful and has caused me and my family unwanted XXXX  and other health problems. Im currently on XXXX XXXX medicine. The amount is {$320.00} I never gave Revenue Group to contact me and they have called me repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX off exceed statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: DC

Complaint narrative:
I first want to say this complaint is NOT from a third part credit repair company. I, XXXX XXXX XXXX, photo ID attached, am the living and breathing woman submitting this complaint to all three major credit bureaus XXXX, XXXX and Equifax. 

I previously sent in my written instructions according to 15 U.S Code 1681b ( 2 ). I have also attached my instructions for my consumer report as it relates to items I want deleted. To further all three credit reporting agencies are in violation of 15 U.S Code 1681a ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition all credit reporting agencies listed are in violation of 15 U.S Code 1681a ( 2 ) ( b ) - ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To further 15 U.S Code 1681b ( 2 ) has been violated as neither company has fully honored the written instructions of the consumer. In addition the consumer report should not have been shared as there was not permissible purposes such as a court order from a competent court of jurisdiction. I XXXX XXXX XXXX am the original creditor and ALL extensions of credit arise from the use of my social security account, defined under the Truth in Lending act as a CREDIT CARD. Lastly I XXXX XXXX XXXX am submitting this complaint ON MY OWN BEHALF I am seeking that the items listed in each letter be removed per my instructions as the natural person/consumer. I would like the CFPB to enforce the rights of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I HAVE ONE CITIBANK ACCOUNT CHARGE OFF WITH {$10.00}, I NEVER HAVE BEFORE CITIBANK CARD. 

I HAVE XXXX XXXX  XXXX XXXX ACCOUNT CHARGE OFF WITH {$1.00}, I HAVE ONLY ONE  CARD IN XXXX XXXX XXXX. I TRY WITH THE BANK DIRECTLY, AND THEY AGREE WITH THIS ACCOUNT IS NOT MINE, BUT I SEE IN MY 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 2021-10-19 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: DC

Complaint narrative:
I first want to state that this complaint is being submitted on MY OWN BEHALF. This is NOT a third party company. I XXXX XXXX XXXX am seeking remedy in the form of monetary relief for the violations that TRANSUNION has committed against the me a natural person. I have submitted numerous complaints and only half of my instructions and demands were honored. I have also called TRANSUNION to get remedy in private however to no avail and was instructed that they can only submit disputes. I have demanded all account items be deleted and the FICO score be re calculated to the highest numerical value of XXXX. In addition I recently received proof that my consumer rights were violated. I received investigation results that displays 7 deletions. Not only were those 7 account reporting for years i the natural person was denied extensions of credit which is discrimination of character because credit is the right granted by the consumer and not a bank. According to the National Banking Act banks can not lend their own credit. Credit can only be extended originally by the natural person. TRANSUNION is liable for the violations and I am demanding remedy due to those violations pursuant to the FCRA

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 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
I have tried to get the payments deferred and have been unsuccessful and have been getting the run around

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: GA

Complaint narrative:
I paid to settle on a discover account on XX/XX/XXXX. Experian refuses to update my account,

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 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Today I received a Master Card from Synchronity Bank to replace my regular JCPenney credit card. I called the number on the back of the card to ensure that the card was NOT activated. I never requested the card and do NOT want the card. I was told that the credit was simply sent to everyone who qualified and that simply sending the card was the request to " opt in '' to use the new card. The same thing happened to me a few months ago with my Old Navy card backed by Synchronity. Again, I did NOT request the bank card and did NOT want the card. I did not activate that card either. 

In this day of identity theft and fraud, I thought that it was illegal to simply send an unsolicited credit card in the mail. I'm perfectly happy using my store credit cards and do NOT need another bank card. 

I tried calling the bank to ask about their procedures. I found a couple of phone numbers on the internet. However, after providing my new credit card number and the last 4 digits of my social security number, the automated system says that they don't match any records and that I called the wrong number for my card. Then the call was disconnected. I already called the number for the credit card to close the account. I wanted to talk to some one at the bank that made the decision to send me the card. I was NEVER able to talk with an actual human after 3-4 calls.

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