vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX of 2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
Tried to get my credit reports today via annualcreditreport. The XXXX  and XXXX XXXX had no problem verifying my identity and giving me my online report. Equifax gave me four nonsense questions that didnt pertain to me for verification. I answered does not apply. Equifax proceeds to tell me I cant get my report because my info is incorrect. Cant back out of the page only option is to close web browser. Tells me I have to send in documents like rent payments and social security card which I am not going to do. I looked it up online and hundreds if not thousand of people have had this exact problem with specifically equifax in the specific sequence I just laid out. How is this company allowed to operate still when theyve been doing these tactics for over five years now according to my search.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: TX

Complaint narrative:
Two payments were made to Stearns in XXXX for my mortgage and only received credit for one payment. One was made on XX/XX/20 and the other on XX/XX/20 ( each for {$3300.00} ). Stearns does not answer the phone and I have submitted on line 3 requests to credit my account. I have submitted to them bank statements ( showing the electronic payment ), Electronic ID 's of payments, Electronic confirmations from my bank. I don't know what else to do to get them to respond. Any help would be appreciated.

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 2021-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN

Complaint narrative:
As of XX/XX/2021, I have not received my monthly mortgage bill statement. My payments are due on the 1st of the month. In addition, I have not yet received my tax form from my mortgage servicer. I assumed it had been lost in the mail, so I called the company today to find out what was going on. It turns out that they sent out the monthly invoice and tax statement on XX/XX/2021. That is 5 days before the due date - 4 business days before the due date of the payment. That's not enough time to get the statement in the mail from them, much less enough time to send payment in in response. If I had done such a thing, I would be subject to all kinds of late fees and interest. This is unacceptable behavior and a failure to perform their duties as a loan servicer. They are trying to set people up not to make timely loan payments. This is an unfair and deceptive practice.

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 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I sent a letter in XXXX and XXXX of XXXX asking the collection agency to verify my debts. They never responded to me. I get letters now at the end of XXXX from a law group asking me to pay a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Loan agreement signed XX/XX/XXXX with BMO Harris. Loan details in 'transfer of rights in property ' references two tax IDs included in the sale. 

BMO Harris paid 1st installment on XX/XX/XXXX for one property tax ID, amount {$890.00} BMO HAS NOT PAID 1ST INSTALLMENT FOR THE OTHER TAX ID LISTED IN SALE, due on XX/XX/XXXX. 

I have emailed BMO copies of both property tax bills : emailed copies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have called BMO on the following dates, each time detailing that I have two property tax IDs listed in my loan agreement and they have only paid for the 1st installment for one of these and the other one is due XX/XX/XXXX. 
XX/XX/XXXX : work order was put in and expedited. 
XX/XX/XXXX : person I spoke to didnt see any work order listed on my account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX : called 4 times. Was told that this would he resolved by the due date of XX/XX/XXXX XX/XX/XXXX : called 5 times. Was told this would be resolved by the XX/XX/XXXX. 
XX/XX/XXXX : was told that issue was not resolved, call by the end of the week. 
XX/XX/XXXX : told that issue is not resolved. Transferred to supervisor. Was told that someone would call me within two business days. Was told that if there are late fees, they would pay them. It would not count as anything negative towards me. Still no answer about 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 monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
On Wednesday, XX/XX/2021 at XXXX XXXX  Eastern Time, I received a phone call from Navient. Navient is a debt collection agency & was attempting to obtain information from myself on a defaulted student loan ; a loan that belongs to an EX-WIFE and I'm NOT a signatory to that loan. Furthermore the defaulted student loan is about 30 ( thirty ) years old. I am NOT responsible for my EX-WIFE 'S defaulted student loan that I am NOT a signatory thereof from 30 ( thirty ) years ago. WHY I was even contacted is a mystery to me as I'm an EX HUSBAND plus this is 30 ( thirty ) years old I do NOT have an account with this company, I do NOT have a student loan and I do NOT have any information on my EX_WIFE that I divorced 27 ( twenty seven ) years ago. 
Results : All I received was a ' ' we won't call you again ' " - a vague promise that I don't believe. WHY did Navient call me in the 1st place given taht I have zero association with this debt in the first place?? 
I have called this company TWICE, not 3 times like " they '' claim & sent 1 email to 1 ) resolve this & 2 ) to expunge my name, address phone number and any other information " they '' have from Their system plus a permeant do not call or contact enacted. 

Navient I DON'T have a student loan account with you It's my EX_WIFE 'S student loan. This NOT my loan I am NOT responsible for HER debt from 30 years ago, I'm NOT a signatory to HER student loan XXXX XXXX XXXX XXXX original message On Thursday, XX/XX/2021, XXXX XXXX  EST, XXXX XXXX wrote : Hello, We have received your correspondence regarding your student loan account. We are working to get answers, but need time to research your account. We will contact you with a response as soon as we can. We appreciate your patience. 



Please call us at XXXX if you have any questions. 



Social Media Team Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/2021 I called because I was unable to adjust my FedLoan Servicing loan automatic payments online because the system would not allow it. I believe this is a website technical issue. When I spoke to a customer service agent I let them know I would record the call. They then looked into my account and insisted that my payments were {$500.00} instead of what is posted on the website under my account : {$90.00}. The first agent said it was not possible to change the payment amount and that I would need to pause the payment each month. Then she said that I have already used all six eligible payment pauses. However, I haven't ever paused my payment. She said she couldn't help me. I called back to say that I believed this was a website error. On my second call I told the agent that I was recording the call and that I believed that the website had an error and that my payment due should only be {$90.00}, then she said she would have to put me on hold because she wasn't sure if she could speak on a recorded line. A few moments later the call disconnected. I called back to as for help to adjust my payment and let the agent know that I was recording the call. The agent quickly said that she couldn't speak on a recorded line - I asked her to transfer me to someone who could speak on a recorded line or a supervisor. XXXX ID # XXXX told me that she would not assist me based on the fact that I wanted to record the call for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020, after pulling my credit report, I discovered multiple accounts on it that I did not recognize. Few days went by and I went file Police Report on the XXXX of XXXX, 2020. With the Police Report in my hands, On XX/XX/2020, I submitted my first dispute package to the CREDIT BUREAUS, with a list of all the accounts that were not mine. As of today 's date, I still have a few accounts that I need out of my credit report so I decided to take an extra step, contacting the CFPB for some help. Below is a list of accounts names remaining on my credit report that are not mine and they are badly affecting my credit score : XXXX and two accounts with XXXX  XXXX XXXX  XXXX XXXX Unfortunately, I am not able to upload my last complete package that I mailed out to the credit Bureaus, but attached are the most I was able to upload.

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 2021-01-28 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: NJ

Complaint narrative:
On XX/XX/2020, after pulling my credit report, I discovered multiple accounts on it that I did not recognize. Few days went by and I went file Police Report on the XXXX of XXXX, 2020. With the Police Report in my hands, On XX/XX/2020, I submitted my first dispute package to the CREDIT BUREAUS, with a list of all the accounts that were not mine. As of today 's date, I still have a few accounts that I need out of my credit report so I decided to take an extra step, contacting the CFPB for some help. Below is a list of accounts names remaining on my credit report that are not mine and they are badly affecting my credit score : XXXX and two accounts with XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I am not able to upload my last complete package that I mailed out to the credit Bureaus, but attached are the most I was able to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
There are currently numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: AR

Complaint narrative:
My loan was recently sold by Sierra Pacific to XXXX. The effective date for the sale of the loan was XX/XX/2020. I was advised by Sierra Pacific that I needed to make payments to them through XXXX and then start paying XXXX. However, Sierra Pacific has not sent these payments to XXXX. XXXX is threatening to foreclose on my home now. I've tried contacting Sierra Pacific regarding this, and they now claim they did not sell the loan. However, they had already sent my escrow balance through XXXX to XXXX. I've tried to come to a resolution through Sierra Pacific and they refuse to help. I can't get a resolution in place and have tried speaking to them numerous times. I have call dates and times to validate this. I have documentation proving i sent payments to Sierra Pacific as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my bank jp morgan has yet to credit my account for an amount of XXXX dollars that was sent by a company known as XXXX XXXX XXXX here in XXXX XXXX XXXX new york. This amount was presented to the bank on XX/XX/2019. This amount was confirmed by the XXXX XXXX  XXXX department of consumer affairs after a thorough investigation. That amount in question was never released by the bank to me. I am asking your agency to assist in securing the amount in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: ATG Credit, LLC
State: PA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX back in XX/XX/XXXX then due to circumstances with my family, I had to leave then re-enroll in XXXX. From that first enrollment, I was told by multiple financial aid advisors that I had no other account with them and that I am all up-to-date in my student loans. I received a few calls throughout XXXX regarding an overdue balance of {$4500.00}. I would ask when it was placed, ANY information regarding it and they would just say " you have a balance of {$4500.00} and It doesn't show me any other information after that. There's nothing else on your account so you should be all set. '' I thought it was super weird and suspicious that no one can tell me where this {$4500.00} came from and if it was from that first enrollment period then I can understand but nothing else showed in the system for them? 
After not getting random phone calls every 4-6 months, I received a letter in the mail saying the account is in collections with ATG credit and you need to settle the amount of {$4200.00} immediately. I check my credit score regularly and immediately had seen at that moment it hit all 3 credit bureaus and my score dropped 30+ points. I explained to ATG credit that XXXX confirmed multiple times I do not have any unpaid balance with them and there is no record of that amount coming from anywhere else, not from my 1st enrollment or 2nd, NO WHERE ELSE.

It is extremely fishy and disheartning to see my credit score drop so drastically when I worked my XXXX off building it up to a good spot to buy a house in the near future and to be financially stable. I was at a great place with it, compared to where it was originally, and this collection account wiped away all that hard, earned work. 
I disputed it multiple times with XXXX XXXX and XXXX  but there has been no luck with XXXX. Both XXXX  and XXXX  removed the collection account from my reports but XXXX  is, for some reason, keeping it on there. It is so frustrating because I had the same thing happen with XXXX XXXX and found out, through the XXXX  that they are frauding accounts due to the pandemic. Please comply with the rest of the reports and remove the ATG Credit collection account for {$4200.00} off my XXXX  credit report immediately. Thank you for listening!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please update all of my personal information on XXXX, Transunion, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Phoenix Financial Services LLC
State: CO

Complaint narrative:
I disputed and had fraudulent claims made by XXXX removed from my credit, however now they've attempted to add more XXXX to my report that is illegitimate through a different collection agency. This is getting ridiculous, I've already successfully won multiple disputes against these lying scammers. Get this XXXX off my credit report and quit claiming I owe you money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: CO

Complaint narrative:
I disputed and had fraudulent claims made by XXXX removed from my credit, however now they've attempted to add more XXXX to my report that is illegitimate through a different collection agency. This is getting ridiculous, I've already successfully won multiple disputes against these lying scammers. Get this XXXX off my credit report and quit claiming I owe you money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I heard on XXXX, XX/XX/2020, that America First Credit Union would be charging $ XXXX monthly for their premium checking. 

Everyone of their account holders will be moved to that premium checking account. They stated you can call a number to opt out of the premium checking and have the normal checking, which is free. 

I haven't received an email or notification about this. 
So without XXXX I would have been left clueless as they took money. 

I feel its completely disgusting that they would force people to opt out of a paid service. Rather than encourage everyone to opt in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: CORELOGIC INC
State: NC

Complaint narrative:
On XX/XX/2021, I woke up to my credit monitoring alert informing me that a hard credit inquiry has occured on my XXXX  Credit File. I immediately logged into My XXXX  and saw a posted Inquiry from CREDCO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021. 

After contacting CREDCO, the representative informed me that someone requested credit with my address but with a different social security number. I REQUESTED that this erroneous inquiry be immediately REMOVED as i did not apply for credit with CREDCO. 

I filed a dispute with XXXX  to remove this erroneous inquiry but XXXX  simply replied that inquiries are " Inquiries are a factual record of file access '' without providing any valid proof or documentation as i requested that was given to CREDCO. 

I am requesting that XXXX  DELETE this erroneous inquiry which according to CREDCO does not match the last four digits of my social security number. I have requested this within 24 hours of when i received the alert from my credit monitoring.

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