vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Collection : US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX Opened : XX/XX/XXXX XXXX & XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX Late Close : XXXX XXXX XXXXlance $ XXXX-Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: OH

Complaint narrative:
My mortgage servicer changed in XX/XX/XXXX from XXXX to Gregory Funding. Ever since, my outstanding mortgage balance and credit reporting has been incorrect. Gregory funding has failed to acknowledge any payments I have made directly to them, my existing loan modification plan, or the forebearance I had previous to the transfer of my loan servicing to their company. In doing so, they violated the Federal Fair Debt Collection Practices Act & Federal Truth In Lending Act. I have called three times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that my forbearance end so that I can apply for a loan modification. I was told in XX/XX/XXXX, it would be several weeks before they would reach out with details on how to apply. They promised to update my credit report with accurate info ( I was reported late rather than on a forebearance which has destroyed my credit score increasing my insurance premiums and making my car payments increase as well. This has caused such a hardship on my family. Further, I have been making regular, timely payments which are not being applied to my account or outstanding balance yet they have been CASHING THE CHECKS that I mail for my payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To whom this may concern, I am writing this letter on behalf of Macys credit card on my credit report. Back when the pandemic first started I was making a payment on Macys for more than XXXX a month. I reached out to Macys and discussed the possibility of closing the account to make things financially easier for me. I spoke with a representative and was told they can close my account lower my interest to 0 % for 58 months for payments around XXXX a month and I agreed. But they promised if I gave them my account, routing and checking number they would close the account and I would not show up on my credit profile it would be paid In full since I made an agreement to give them my banking information but if I missed a payment they would send to collections. I reached out to them over and over. They verified that was said but say it was a mistake. They cant do that or make mistakes when it comes to credit so Im wanting to have this removed as told and promised. This is not ok and is negatively hurting me on buying a house.

They admitted to me they agreed on closing my account and saying paid in full. Its all on recording. Manager told me that they honor mistakes but wont honor this because they didnt meant to say that 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 explanation
Consumer complaint received 2021-11-15 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: GA

Complaint narrative:
I have advised the agency that this debt is in litigation and belongs to the primary XXXX XXXX. I have sent out a letter that I will attach asking that this debt be VALIDATED per letter instructions not VERIFIED. I also made them aware that the primary has documentation from XXXX XXXX that states that can not verify residency during the times that are being reported by NATIONAL CREDIT SYSTEMS which I will also attach. I am demanding that this false reporting stop immediately and be permanently removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have received two pre-paid mail notices of overdraft from Truist Bank on one or two accounts that I do not own : 1. On XXXX an overdraft of {$4800.00} on account ending XXXX ; and 2. On XXXX an overdraft of {$3500.00} on account ending XXXX. 

I have no accounts with Truist Bank. I have called XXXX and put a one year freeze on my accounts, and I reviewed my credit report and it shows no accounts with Truist. I called the Truist Fraud Alert phone number and the person I spoke to said that I would have to go into a Truist Bank branch. 

Can you help clear up this issue which seems to be identity theft.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Disputed 'late payment ' reported to credit bureaus by Kohls Credit . Kohls Credit removed the 'late payment ' entries for XXXX and XXXX XXXX However, they refuse to remove the incorrect information from XXXX. I have attempted twice to get this resolved through Kohls Credit providing documentation and copies of my credit reports from XXXX and XXXX showing Kohls Credit 's corrections. Their only response was a denial in a standard form letter and they refuse to answer a pointed question put to them : 'Why did they remove the incorrect entries from only two out of the three credit bureaus and not all of them? '

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: FL

Complaint narrative:
I financed a car with XXXX XXXX XXXX. According to the document, loan amount was for {$22000.00}. I started making payments on XXXX and its now XX/XX/XXXX and yet have they updated my credit file with those payments. 
In addition, according to my credit file, it reflects that the balance owed is {$45.00} more than initially loaned. 
Ive inquired with the company on multiple occasions but never got a answer as to why. When I went to make my last payment, first week of XXXX, I asked the receptionist if I can speak with someone regarding the credit reporting in which she had a conversation by phone with someone else and eventually told me theres no one that can assist me. I asked for a supervisor or manager and was told no one was there. I asked for a number and given one only for that to be directed to the receptionist. Thats very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Customer Care Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To whom it may concern : XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to Specialized Loan Servicing through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

XX/XX/2021 I was notified in writing that the servicing of my mortgage would change from Specialized Loan Servicing to XXXX XXXX XXXX effective XX/XX/2021. 

XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to XXXX XXXX XXXX through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

I contacted XXXX XXXX XXXX on XX/XX/2021 to verify that they would pay my real estate taxes from my escrow account. I was told that the taxes would be paid. 

XX/XX/2021 I received a letter from XXXX XXXX XXXX stating that my mortgage was one month past due, and threatening to impugn my credit rating. 

I contacted XXXX XXXX XXXX again the week of XX/XX/2021 to try and resolve the claim that I was delinquent. I spoke to XXXX XXXX, she wouldnt give her full name to me, and I told her that I was not past due, and I had proof the bill was paid. I sent XXXX my bank statement that shows both the XXXX payment to Specialized and the XXXX payment to XXXX XXXX XXXX being made. XXXX promised to get back to me, but as of this letters writing she has not contacted me. 

On XX/XX/2021 I received another letter from XXXX XXXX XXXX, dated XX/XX/2021 again accusing me of being delinquent and stating that I had to dispute the validity of this debt against my property or it would be considered valid in 30 days. 

I officially notified both Specialized Loan Servicing and XXXX XXXX XXXX that I dispute the debt and again explaining that sequence of events, and that I had sent them proof of payment. I did this via registered mail, return receipt requested.

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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On XX/XX/2021 i filed a complaint with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all 3 of my credit reports twice after it being removed which are XXXX, XXXX and XXXX that do not belong to me which appears to be fraud with a past due balance of {$580.00}. 

I've never done business with PORTFOLIO RECOV ASSOC or wish to do business with this company, contract with this company or any one they are collecting for, i have never signed documents, contracts, agreements, to pay PORTFOLIO RECOV ASSOC because what ever they are trying to collect doesn't belong to me, i have never provided this company or gave them permission to authorize access to my social security number, private address, DOB or any personal information. 

PORTFOLIO RECOV ASSOC responded to the CFPB dispute saying they purchased a Debt from Capital one with a name similar as mine and trying to force me to pay for an account i never open, I called and ask them to send me a copy of documents with my signature or a copy of my drivers license/social card they have on file, because there are a lot of identity theft going on and i need those documents they are using to match me with the Fraud account so i can file a police report. When i ask for that info the lady hung up on me. 

i called back and a male guy picked up, and when i ask for the same information, i was told " We don't need to provide you with anything, you owe this and need to pay us '' XXXX removed this fraud collection account on XX/XX/2021 and PORTFOLIO RECOV ASSOC added right back on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In their effort to collect a credit card debt Capitol One has in my opinion made several violations of the FDCPA ( Fair Debt Collections Practices Act ) They, ( Capitol One ) has violated FDCPA, 15 UFC 1692 g & e specifically with regard to subsection ( 2 ) regarding communication about a debt. " communicating with a consumer generally subsection, '' without prior consent of the consumer given directly '' to the debt collector or express permission by the court of competent jurisdiction communication with a consumer in connection of ANY date unless the attorney consents to direct communication ( as Capitol One had previously done in a letter dated XX/XX/2021 is barred is barred pursuant to FDCPA. 

They have engaged in " The false representation and implication that '' ( I ) " a consumer committed a crime or other conduct in order to disgrace the consumer '' in that a summons previously received on or about XXXX.They subsequently had hand delivered delivered via Sheriff 's department on XX/XX/2021. Misrepresenting or falsely implying that a that a crime or other conduct had been committed.This vioklates FDCPA 15 USC 1692e Sec,807. 

Actual damages include humiliation and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made another attempt at paying my XXXX XXXX XXXX bill over the weekend bill last weekend, using 2 additional phone numbers ( my previous he land line no. ( XXXX ) and a new line from XXXX voice ( XXXX ). 
In addition to my current number of XXXX. 
TB Bank no. which was given to XXXX in their letter, does not RECOGNIZE any of these numbers. Once again, I was not able to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX The Money Source Customer Care Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To whom it may concern : XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to XXXX XXXX XXXX through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

XX/XX/2021 I was notified in writing that the servicing of my mortgage would change from XXXX XXXX XXXX to The Money Source effective XX/XX/2021. 

XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to The Money Source through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

I contacted The Money Source on XX/XX/2021 to verify that they would pay my real estate taxes from my escrow account. I was told that the taxes would be paid. 

XX/XX/2021 I received a letter from The Money Source stating that my mortgage was one month past due, and threatening to impugn my credit rating. 

I contacted The Money Source again the week of XX/XX/2021 to try and resolve the claim that I was delinquent. I spoke to XXXX XXXX, she wouldnt give her full name to me, and I told her that I was not past due, and I had proof the bill was paid. I sent XXXX my bank statement that shows both the XXXX payment to XXXX and the XXXX payment to the Money Source being made. XXXX promised to get back to me, but as of this letters writing she has not contacted me. 

On XX/XX/2021 I received another letter from the Money Source, dated XX/XX/2021 again accusing me of being delinquent and stating that I had to dispute the validity of this debt against my property or it would be considered valid in 30 days. 

I officially notified both XXXX XXXX XXXX and The Money Source that I dispute the debt and again explaining that sequence of events, and that I had sent them proof of payment. I did this via registered mail, return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I do not consent to e-oscar verification. I am writing today because I have tried to contacted the agencies that " assumed '' a vital role in accurately reporting consumer information multiple times over the last sixty days and have received no response. BK of AMERICA is in violation of XXXX XXXX XXXX as they have failed to validate the account they and XXXX, XXXX and XXXX are reporting while defaming my character. FDCPA XXXX misleading false reporting. Reporting these false things is very misleading.18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. FDCPA 8012 furnishing deceptive forms : you furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also you reported that I owe a debt, but nowhere on my credit report do I see a negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By telling me I owe a debt, but reporting positive balance to my credit report is very deceptive.

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