vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: Aargon Agency, Inc.
State: DC

Complaint narrative:
AARGON AGENCY INC # XXXX has listed a collections request on my credit report and I do not owe the amount listed. This is severely affecting my ability to obtain a mortgage. 

I have contacted both Aargon as the collections agency as well as the original landlord XXXX XXXX XXXX to dispute these charges several times. 

I do not owe what they say I owe and I would like this collection removed from my report. This is fraud. 

According to my lease the maximum I could owe if I did not provide notice, which I did in fact do, would be one months rent. My lease was for XXXX $ a month and they are claiming that I owe XXXX XXXX 

I was advised by XXXX  to file a complaint with the CFPB. 

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 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
XX/XX/2018, CCI together with XXXX XXXX placed a collection in my name for {$68.00}. I did not have utilities with this company. I am unable to validate this debt & have reason to believe it is FRAUDULENT. This debt does not belong to me.

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I have a HAMP Loan with SPS. Servicing Inc. I have made all payment on Time. When the Pandemic hit, I requested a forbearance after paying XX/XX/XXXX Mortgage payment I was informed that SPS would put XXXX, XXXX And XXXX payment on the back end of the loan. In XXXX I contacted SPS And informed them that I was still experience financial difficulties due The Pandemic. SPS had fill out and new application and requested me XXXX statement along with my son bank statement who has been Paying the Mortgage. We did not get reply until XXXX where SPS Requested us to make payments of {$790.00} for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with a balloon payment due XX/XX/XXXX Of {$16000.00} that would bring the account current. We notified SPS XXXX XX/XX/XXXX that we were still experiencing financial difficulties and Were unable to make the {$16000.00} payment. SPS sent me a new application For additional forbearance. SPS replied that they would be able to grants us And additional forbearance, or modification and has set a repayment schedule that is unreasonable and beyond our ability to pay due to the pandemic at this time. 

Enclosed I have attached a copy of the letter rejecting and additional forbearance Along with the re-payment schedule. 

Should you have any questions please contact me at 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 2021-02-23 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: PLAZA HOME MORTGAGE, INC.
State: NC

Complaint narrative:
I've been trying to dispute an error on all three of my credit bureau reports. All three show a 30 day late payment on XX/XX/XXXX. I've complained to Plaza Home Mortgage who continued to stated their records are accurate. I complained to the CFPB and on XX/XX/XXXX and prompted another investigation and found that my last payment received was XX/XX/XXXX. 

I have a letter from Plaza Home Mortgage dated XX/XX/XXXX apologizing for the inconvenience and frustration. They stated the the corrections to the credit bureaus were completed as of XX/XX/XXXX and that it may take up to 90 days for credit bureaus to process. It's been well over 90 days and my credit reports still show 30 days late payment. I've disputed with all three credit bureaus and all three have declined to fix it stating their information is accurate. 

I've called and emailed Plaza Home Mortgage multiple times. They've asked for written requests for information which I've done on three separate occasions. Today, I spoke to two different representatives. The first stated they've done all they could do and I need to dispute with the credit bureaus. When I replied that I've done that multiple times, she stated that I need to talk to the head of these credit bureaus. Later, she passed me onto another representative who instructed that I put in another written request. She stated that my account was fixed on XX/XX/XXXX and that it has been reported to the credit bureaus, but that she could not give me a statement stating as such, but suggested I request it in an email. I've done this multiple times already. 

I'm in the process of purchasing a home. I've already been preapproved. I need my credit reports to be stellar to qualify for the best loan. Time is of the essence. I need this fixed before I actually apply for the loan. It's ludicrous to have a incorrect information on my credit report and my husband 's credit report when I have a letter stating we paid on time. Please assist me in this matter and fix this on my credit report and my husband 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I bought a Toyota XXXX  from XXXX XXXX dealership on XX/XX/2020. My dealer 's name is XXXX, he is the finance manager there. When I bought the car he lied to me about the process of buying a car from their dealership. He told me that I would have to just sign a few documents at the time of the purchase and that he'll forward the contract to my address by mail within a couple of days and if I have questions about it he told me to contact him. So he never told me about any optional service agreements other than the gap insurance. So I bought the car on XX/XX/2020. The contract documents never arrived at my address so I called him, emailed him so many times, but he never answered or replied. So I went to the dealership and got a copy for my self and that's when I learned about the optional service agreements. So again I called, texted and emailed him to remove the optional agreements that cost additional {$7000.00} on top of the car price. He never answered or replied to me. Every time I went to the dealership they would say he's on vacation or out or something. After visiting the dealership about 20 times other than calling, emailing and texting about a XXXX times. I finally found him at his office on XX/XX/2020. He agreed to remove the optional service agreements and he gave me a signed paper with a cancelation date. Eventhough it has been almost a year, the service agreements were never canceled. I'm paying additional {$7000.00} with interest for 60 months because he refused to cancel. Please I need help or I'll have to find a lawyer and sue the company and him for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I had a loan with Credit Acceptance for a XXXX XXXX van I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the van. Credit Acceptance never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted Credit Acceptance multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.

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 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Check Resolution Inc.
State: OR

Complaint narrative:
I am a XXXX woman who owns a small retail business locates in downtown XXXX, Oregon. I borrowed about $ XXXX in business loans from a funding company XXXX. I was barely on time with my loan payments before the Covid-19 pandemic that hit the entire country. My business was forced to close as per directives from the XXXX of XXXX and our XXXX of Oregon. 

Due to the Covid-19 pandemic and store closure, I fell behind in my loan payments, and XXXX XXXX XXXX sent my loan account to a collection agency names National Check Resolution Inc. for collection. This company got in touch with me on XX/XX/XXXX, and we worked out a payment plan, which both parties were agreeable to this payment plan. They sent me a form to fill out with the monthly amount to be paid on each date, per month, and the final payment amount on which year. However, after 2-3 months, NCR changed their tune and said they wanted to collect the entire amount. I explained to their agent XXXX, who assisted me with the payment plan agreement, my business situation hasn't changed since XX/XX/XXXX. I was still struggling with my retail business and didn't have that kind of money to pay the entire balance. I also brought up the agreement paperwork that I filled out and signed with National Check Resolution , Inc., which said I only have to pay a small amount every month, it also stated I have until XXXX to pay the last balance. XXXX, the agent said, she recorded me over the phone to show that I agree to a 3 months evaluation to see if I continue to make the payment to NCR, which I did agree to a 3 months evaluation. However, I never agreed to pay the entire amount in full after 3 months as I don't have a $ XXXX lump sum to pay due to lack of retail business in my town. Today, on Tuesday, XX/XX/XXXX at XXXX XXXX, the agent named XXXX from NCR called me and left the following voicemail message on my cell phone : " Yes, this message is intended for __, and this is XXXX with NCR touching bases with you concerning the outstanding XXXX XXXX XXXX, I do need to get the name and number of the attorney that's representing you on your outstanding balance if you can contact the office back at XXXX. 

My heart sank as I listened to this voicemail message. First, I do not have an attorney ; I find this voicemail message extremely threatening and intimidating. I see NCR as a big collection company that's threatening a woman minority business owner who's struggling to keep her small business afloat while dealing with our country 's pandemic. I feel so helpless, and I don't know what to do? 

At this point, I want their abusive phone calls to stop, and I want NCR to uphold their payment plan agreement with me which I've signed with them on XX/XX/XXXX. I have documents of the payment agreement that I signed with NCR, and I can produce the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
The following items are reporting incorrectly on my credit report for the following reasons : - XXXX is incorrectly showing that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX. 

- XXXX  XXXX is incorrectly showing that I was late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX XXXX XXXX - XXXX XXXX - This is not my account - {$95.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX  XXXX  - XXXX - This is not my account - {$330.00} XXXX  XXXX XXXX - This is not my account - {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity was used for a bankruptcy filing, the bankruptcy is reporting on Experian, XXXX  and XXXX as a public record. The bankruptcy filing is fraudulent. I have disputed the information several times, and the agencies say they verify this information from XXXX. XXXX uses a third-party to verify the public record which is not legal because it can't be verified through the courts, directly.

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Ive paid online one time payments every month with the same XXXX billing account for over 2 years. One month I noticed the money still in my account, I call, they say it didnt go threw because account not found then I say ok I still have time to make the payment date lets pay again, then its confirmed, I contact my bank to make sure everythings clear on their end which it was and I assume the payments paid, again. Then a couple weeks later I received a letter stating its not paid and Im behind. I call them again, they say again account was not found, they see the attempted payments and tell me theres a grace period, they apologize say they dont know what happened or whats going on and continue to take my payment again yet this time I might as well add on the next months bill. Now on my credit report its stating a late payment, Ive called customer service 5 different times questioning how it was late when it was there computer system error not taking the account numbers and every time they dont see a late payment but see the multiple attempts to make my payment then advise me to write a letter which I have twice and they say its accurately reported then I call customer Service again once receiving the letters and they dont see the late payment. they wont take this off my credit report when I have over three years of on time payments while this rrrors clearly a computer error ( I am still making my payments with the same account numbers to this day with no issues ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA is reporting debt not owed on credit report in the amount of {$2000.00}. I don't not owe the debt. Unpaid balance reported as a loss by the credit grantor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: NY

Complaint narrative:
Hello I submitted multiple letters on some unauthorized inquiries on my report. I did my due diligence on everything and contacted the companies. Please find attached a FTC report I submitted for these unknown inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TN

Complaint narrative:
i have ask to have these accounts removed they are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
The following items are reporting incorrectly on my credit report for the following reasons : - XXXX is incorrectly showing that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX. 

- XXXX  XXXX is incorrectly showing that I was late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX XXXX XXXX - XXXX XXXX - This is not my account - {$95.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX - This is not my account - {$330.00} XXXX XXXX XXXX - This is not my account - {$1900.00}

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 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello I submitted multiple letters on some unauthorized inquiries on my report. I did my due diligence on everything and contacted the companies. Please find attached a FTC report I submitted for these unknown inquiries.

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 2021-02-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello I submitted multiple letters on some unauthorized inquiries on my report. I did my due diligence on everything and contacted the companies. Please find attached a FTC report I submitted for these unknown inquiries.

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 2021-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2020 my information on my report disappeared. When I would call they would not give me any information. I faxed my information to Equifax and the guy asked me " how did I find out? '' They have yet to respond nor have they corrected the issue. I am afraid that if not addressed it can happen again. Now I live in fear because someone has use of my social security number. I notified as many people as I could including our local district attorney general office. I used XXXX XXXX because I was a victim of Equifax 's breach and that was how I caught it. Please help! The XXXX charge was from a hospital. XXXX can verify this because my XXXX worker at that time paid the bill due to myself being covered at that time. One was from XXXX XXXX XXXX and one was from XXXX XXXX which I paid. I paid off XXXX XXXX XXXX. I also paid off XXXX XXXX. All have vanished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
i have had a coinbase account for about a year+ never had any problems using their services. recently around XX/XX/XXXX i tried withdrawing my money XXXX $ and till this day i can not because they have placed my account under review for no reason. i have tried contacting and submitting multiple ticket complaints but their customer service has not replied or fixed my problem. my money is inaccessible and im furious because i need that money to survive during this pandemic.

Company response to consumer: Closed with explanation