vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: CL Holdings LLC
State: FL

Complaint narrative:
There are 2 credit accounts for XXXX XXXX on my report currently I disputed for accuracy. I disputed these along with several others that were fraudulently placed on my credit report by that company for accuracy. I disputed these in XX/XX/XXXX or XX/XX/XXXX and did not get a response until XX/XX/XXXX. They did not comply with the time periods to respond to my disputes, they are in violation. I have redisputed this several time for them to remove the credit completely from my report as a result of their neglect to respond to my dispute within the legal time allowed by Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.

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 2019-06-21 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:
XXXX ; XXXX and Transunion are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.

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 2019-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I made payments to Chrysler capital in advance. They applied the payments to the principal and not actual payments and applied late fees for the months that were paid in advance. I contacted customer service and supposedly the corrected the issue and removed the late fees. However I keep receiving bills stating I still owe the late fees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have send numerous letters, disputing errors on my credit report to experian, all letter go with a copy of my driver license, voter registration and social security card, they dont remove the errors, i am tired of their incompetence and refusal to respond and correct the issues 1>-Statements Personal Statement ( s ) 26 & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
I never ask for this and have 3 letters to have it removed 2.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies I never applied for a loan, they dont ' have anything from me 3.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific never did i do an application either

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 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
called customer service spoke with manager XXXX asked to have interest {$3.00} assessed on XX/XX/2019 when my account was paid in full on XX/XX/2019 payment {$2300.00} resulted in a " credit '' balance of {$11.00}. There was no balance for XX/XX/2019 yet I was assesses interest. manager XXXX denied my request to credit back my accoun refused my request to be transfer to upper management. I am requesting to have the interest {$3.00} assessed credit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: WA

Complaint narrative:
I have wrote Equifax on XX/XX/2019, XX/XX/2019, and again today on XX/XX/2019 in regards to hard inquiries that were not authorized and a negative account that all should be removed. It has been now going on 60 days. My disputes for the same issues however, with the other two bureaus have been updated and removed. Equifax is violating FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: FL

Complaint narrative:
i have send numerous letters, disputing errors on my credit report to experian, all letter go with a copy of my driver license, voter registration and social security card, they dont remove the errors, i am tired of their incompetence and refusal to respond and correct the issues 1>-Statements Personal Statement ( s ) XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
I never ask for this and have 3 letters to have it removed 2.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies I never applied for a loan, they dont ' have anything from me 3.-XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific never did i do an application either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: CA

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on XXXX   XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: OR

Complaint narrative:
The collection agency/attorney LOCKHART, MORRIS & MONT has put a hit on my credit report stating that i owe a collection from XX/XX/2013 WHich this is illegal and i have didputed this before and came off cause of ID theft. 

The balance states {$1400.00} and they keep reporting this still after ID theft and after 6 years. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 2019-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My compliant is against Capital One bank, account # XXXX, date open XX/XX/XXXX, account status open. On XX/XX/XXXX. I sent a dispute letter so that Capital One bank can investigate on a 30-day late payment back on XX/XX/XXXX, which they did and decided to leave the 30-day late payment in my reports. When I contact them I was told that sending proof of my hospital stay that late payment was going to be removed from my report, I sent all the required documents to Capital one and they decided not to remove late payment. This is an unfair business practice and Capital One is not being reasonable with a client that has been loyal to them since years back. I also didnt receive any notice of late payment insertion required by California Credit Reporting Act, which it is a clear violation to the FCRA. Im attaching letter sent back on XXXX and request Capital One to reconsider removing 30-day late payment from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX erroneously reported a collection on my report that belongs to someone else. I filed a complaint via CFPB. Upon investigating the complaint, XXXX  XXXX XXXX admitted the information is not mine and agreed to delete ALL collection reporting from ALL credit bureaus. As of today, XX/XX/2019, the collection is still reporting to Experian. I have opened several disputes with Experian directly. I have attached the CFPB complaint and outcome to the disputes. Experian refuses to delete the inaccurate 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 2019-06-21 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: CA

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: DriveTime
State: FL

Complaint narrative:
Noticed an Inquiry on credit report not authorized by me from Drivetime. I contacted them stating i did not recognize this inquiry and to please send proof I requested credit as required under FCRA. They returned with letter attached that DOES NOT MEET FCRA reiquirments.

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 2019-06-21 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: MA

Complaint narrative:
I began the process to refinance my personal residence, and ran a credit report to review my activity. I noticed that there was an unsecured loan that appeared on my credit report that I had not opened, as well as numerous credit inquiries from companies that I did not contact. I reached out to the company that was holding the loan ( XXXX XXXX XXXX ) to report the fraudulent activity, and they sent me information detailing instructions on disputing the loan. Upon looking at the loan documents, my signature had been forged on the Approval Disclosure ; also, there was only in ID number in place of the signature on the Promissory Note. Also, I reached out to a credit resolution agency, who reached out to the credit bureaus on my behalf to inform them of the fraudulent activity. I do not know who opened this account or how my personal information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
We are experiencing wrongful foreclosure proceedings by Home Point Financial - haven't missed a payment with the exception of an approved forbearance period of 3 months. Funds from a FHA Disaster Partial Claim Modification ( to pay for  forebereance months ) have yet to been applied a year after signing documents. 

After Hurricane Irma ( XX/XX/XXXX ), Home Point Financial ( our mortgage bank ) offered a 3-month forbearance ( for XXXX, XXXX, XXXX ). In XX/XX/XXXX, we continued with our monthly payments until XX/XX/XXXX. On XX/XX/XXXX, we submitted paperwork for an approved FHA Disaster Partial Claim modification that would cover payment for forbearance months + XX/XX/XXXX ( while the modification was setup and took place ) in the amount of {$10000.00}. We were instructed to resume payments in XX/XX/XXXX, and we have sent our monthly payment without failure to this date. 

However, as of today XX/XX/XXXX ( a year after we submitted documentation for the FHA Disaster Partial Claim modification ), the funds have not been applied to the account. In the bank system, we appear delinquent to the amount that equals this modification and regardless of our multiple attempts to call attention to the bank to review this anomaly, we have been told that their system is correct and that we must pay in full that amount. 

We sent a letter* dated XX/XX/XXXX to several offices of Home Point in multiple states with copies of all checks proof of our  regular payments. Should the FHA modification funds were applied, we would not be delinquent. We doubt they read our letter. On phone call in XX/XX/XXXX we were told that because of our delinquency our account was sent to legal department to initiate foreclosure proceedings. *letter attached to this claim. 

Checks with mortgage payments for XXXX and XX/XX/XXXX were returned ; we sent XXXX 's payment but won't be surprised that is also returned. At the moment our delinquency totals 7 months : 4 months covered by the FHA modification + XXXX, XXXX, and XX/XX/XXXX. We have placed the funds for the returned checks aside so that when the bank starts accepting payments again, we will be able to submit. 

For months we have received calls from debt collectors, and experienced dismissives from multiple bank associates and managers - because in their records their files are accurate. They don't seem to realize the FHA modification funds are missing! 

We need help locating the FHA modification funds and having them properly accounted towards our account so that we can bring our loan account current, and stop the wrongful foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a fraudulent that I am the alleged co-signer of. The requested amount id XXXX for one and the other is for XXXX. These loans have conflicting information. The D.O.B. does not match and neither does the signatures. None of the information was verified by the school or loan servicing department. The school was XXXX XXXX XXXX in XXXX which is closed down now. This information is not in my writing. The main issue is that this paper work is clearly fraudulent and they are acting like they need more proof. I've been victimized and Navient is continuing the abuse by honoring obvious fraud that should have never went through the system to begin with. I could not select the proper XXXX XXXX XXXX because I didn't have that option but it happened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid {$550.00} to Amerihome Mortgage to appraise my primary residence.

The purpose of the appraisal was to remove $ XXXX monthly private mortgage insurance ( PMI ) payments.

At issue, the third party vendor, appraiser, reduced the gross living area ( GLA ) of my house by 102 square feet from 2896 to 2794 square feet. All prior appraisals consistently measured the house to be 2896 square feet. When I asked why the negative 102 variance all the sudden, the answer that I received was that 102 square feet is within market variance.

Because of this 102 variance, my LTV is at 76.3 % rather than 73.7 % that would qualify me for PMI removal defined as 75 % LTV or less At this point, I have to pay {$5200.00} to Amerihome for PMI removal. I have filed three appeals but Amerihome nor the appraiser are willing to make revisions to my LTV.

I suspect that AmeriHome mortgage company is colluding with the appraiser by 1. purposefully reducing my GLA to attain a lower home value in order to disqualify me for PMI removal. The reality is that if the correct GLA is applied, PMI will be removed without paying {$5200.00} to Amerihome.

Amerihome has refused to entertain any revisions to my home value in light of this egregious inconsistency between their appraisal practices and previous ones. My only option is to appeal to you to investigate this unfair practice designed to keep customers stuck with PMI in perpetuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SIMM Associates, Inc.
State: NY

Complaint narrative:
Beginning XX/XX/2019 my co-signer and I began receiving calls from SIMM Associates regarding my student loans. They have been asked to cease and desist contact to the co-signer due to their advanced age and medical status. The co signer is unable to understand or advocate. On XX/XX/19 they began calling me at work and leaving voicemails. It was requested this practice cease and desist and it continues. No also get phone calls beginning at XXXX XXXX from this company. The accounts have been closed for over a year. The company in which the letter states they represent is not the company in which I ever did business with

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The CFPB investigated my complaint against LVNV Funding, LLC. LVNV Funding submitted a letter to me through CFPB stating they were to remove their entry off all my credit reports. I submitted the signed letter from LVNV Funding , LLC to  XXXX Credit Reporting Agency to ensure removal of this entry as proof. On XX/XX/2019, I received my dispute results from XXXX and the status remains unchanged. According to the XXXX  results, LVNV Funding, LLC sold this debt to another company. They DID NOT remove the entry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I have sent 2 letters dated XX/XX/19 and XX/XX/19 asking for details verifying this debt was mine. I had government state insurance at the time of the visit and they have not been able to send me information I requested. I have told them twice to remove off my credit report as this is not a valid debt.

Company response to consumer: Closed with explanation