vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: LEXISNEXIS
State: GA

Complaint narrative:
I have tried several times with dispute letters to have this information removed from my credit report. This information has been housed, furnished, and delivered to other companies that are reporting this information without my consent or knowledge. Not only are they reporting it, but it has also been given to other companies outside of my knowledge. This can of reporting I thought is against the FCRA. There are accounts attached to this bankruptcy that being reporting on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Complaint regarding a refund from Mortgage company : Hello, my name is XXXX XXXX My address : XXXX XXXX XXXX, XXXX, CA XXXX. 
My Phone number is XXXX. 

purpose of this letter is to file a complaint citing violations of " Consumer Fair collection practices ACT '', Fraud and misrepresentation '' against SLS Mortgage company ( Specialized loan servicing LLC ). 

Details of the case : I have filed this case in California with the Department of Financial Protection and Innovation but was instructed by them to file my case in Nevada because my house that i paid the mortgage for is located in Nevada. Address : XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX. 
My mortgage loan in full with my mortgage company Specialized Loan Servicing, LLC. 
A refund from my escrow account for the the amount of {$2000.00} was supposed to be refunded to me from my mortgage company Specialized Loan Servicing, LLC. since XX/XX/XXXX. 

I have called SLS numerous times and spent hours on the phone the last 5 months talking to mortgage representatives and managers at SLS ( Specialized Loan Servicing, LLC. ), however, without any results and my requests were always denied to send my refund of {$2000.00} with a tracking delivery and without success. I have never received my refund since XX/XX/XXXX till the present day of XXXX, XXXX, XXXX. 
My refund of {$2000.00} was never received. It was supposed to be sent on XXXX XX/XX/XXXX. As of the date of this letter, I have not receive a refund as of XX/XX/XXXX. 

I would like to file a complaint about this mortgage company and their frivolous practices and manipulation of consumers. 

I am asking for full refund for the amount of {$2000.00} plus 10 % interest on the funds that were held and kept unlawful in the collection company 's account. 

The company name is : Specialized loan servicing LLC. 
Their ADDRESS : XXXX XXXX XXXX, XXXX, CO XXXX Amount of Refund : {$2000.00} number : The mortgage company phone number : XXXX The mortgage company fax number : XXXX Please help! Thank you, XXXX XXXX ( XXXX ). and my loan number is 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 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I was contacted via cell phone. I was addressed by the wrong name. I was accused of owing for a XXXX XXXX account. I explained to them that I have never had XXXX XXXX. He kept disputing with me and I hung up the phone on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
WAKEFIELD is claiming that I owe them {$1600.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I explained on several occasions that these accounts they have on me are not of my knowledge. They put liens on my old house. Would call and harassed me all the time. Tried calling me at work. They would even call me at XXXX at night. They sent me some copys of these accounts that looked liked previous bills? They had the information of the company and what appeared to be addressed to addresses I never have recognized? They said I owed but had no proof that these are indeed my accounts? I had no knowledge of these accounts or contract with them but they are still on my report and they are still harassing me about them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
So I take my credit report and Wakefield and associates has two accounts put on my credit report and they're both identical for one they are double reporting which is unfair and not correct for two my ID was stolen I reported that to the police and my passport was stolen and I reported that to the agency I was supposed to as well and out of nowhere months later this appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TN

Complaint narrative:
Well I called transunion and I called XXXX could not speak with anyone at XXXX for some odd reason but I submitted disputes and everything and the information is still on my credit report that is not correct and that is being double reported that is not correct to begin with

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 2021-02-09 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:
Well I called XXXX and I called Equifax could not speak with anyone at Equifax for some odd reason but I submitted disputes and everything and the information is still on my credit report that is not correct and that is being double reported that is not correct to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NY

Complaint narrative:
Credit dispute was filed with Experian in XXXX of 2020. Experian failed to investigate disputed accounts within the legal timeframe by law, and unverified debts have yet to be removed from my credit report. Experian also never provided an updated copy of printed credit report. Two additional notices were provided to Experian to remove debts to no avail.

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 2021-02-09 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: Credit Karma, LLC
State: VA

Complaint narrative:
I tried setting an account with credit karma, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried several times with dispute letters to have this information removed from my credit report. This information has been housed, furnished, and delivered to other companies that are reporting this information without my consent or knowledge. Not only are they reporting it, but it has also been given to other companies outside of my knowledge. This can of reporting I thought is against the FCRA. There are accounts attached to this bankruptcy that being reporting on my report as well.

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 2021-02-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I tried setting an account with XXXX XXXX, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I tried setting an account with XXXX XXXX, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.

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 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paramount Recovery Systems, L.P.
State: NE

Complaint narrative:
Paramount Recovery in XXXX TX breached my debt info and has not done anything to solve the issue. They are claiming I have a debt of XXXX dollars.I am in the process of defending myself against their attempt to collect this false debt. They have refused repeatedly to send a debt verification letter to me. On XX/XX/XXXX I accidentally gave them the wrong birth year and they still verified that it was me on the phone. XXXX instead of XXXX. I proceeded to bring the mistake up and expressed my concern in the verification process. They said I entrapped them and thats illegal. I stated although they have that opinion it is still a possible breach of my sensitive information. They hung up and refused to speak with me further about the issue or debt. I called back and got the voicemail 4 consecutive times. I am looking for this company to be held accountable for these actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
My mothers home went into foreclosure when I was a minor.i didn't live there. The mortgage company sued my mother and put my name in the documents.now I have a foreclosure on my credit report.my name is not on the deed or anything connected to the home.they were instructed by the judge to remove my name in 2019 and haven't

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: PA

Complaint narrative:
I disputed an item for which I have not received a bill or and am not aware of a valid debt ; however, it reports as a collection item for Experian. They have not done proper due diligence or provided any support to me to support keeping the item on my 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 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX : {$340.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX XXXX : {$780.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX : {$670.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXX XXXX XXXX : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX XXXX Balance Owed : {$620.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete 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 2021-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2021 after checking my account balance with JC Penny I found a charge of XXXX. It also states that I now owe a current balance of XXXX. My credit limit is only XXXX. I have included all relevant i formation for your view as well as recebt interest charges leading up to XX/XX/2021. I have never been late on any payment and have exceptional payment history. I would like this removed and would no longer like to have any association with. These are fradulent fees and I would appreciate not being taken advantage of. As you will see from my previous billing statements attached, it was reported to my credit report as a balance of XXXX which is also reported across all three credit bureaus.

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 2021-02-09 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: NY

Complaint narrative:
On XX/XX/XXXX I filed and submitted a FTC report to Equifax XXXX XXXX XXXX regarding creditor : XXXX XXXX XXXX XXXX that appeared on my credit report. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. 

P.S I have intention on filing legal proceedings against Equifax and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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 2021-02-09 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: TN

Complaint narrative:
I have submitted 2 complaints and made numerous calls now regarding my Experian credit profile. I just logged on and it shows zero open accounts. Your dispute results say my mortgage, auto loan, personal loan, and credit cards show. They show on the other 2 credit reporting agencies but it shows zero when I log into Experian. I have attached a screen shot. My mortgage with XXXX Bank and XXXX, my XXXX XXXX, XXXX XXXX, XXXX XXXX  Bank none of these show on Experian when I log on. I will just keep submitting weekly complaints until this issue is resolved. I have been calling you company for a year and a half to no avail.

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 2021-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Based on my claim history i was issued a payment on XX/XX/2020 for XXXX but i never got my card i was trying to request a new one but until nowi have no response why my account was frozen even though i provided my ID to the XXXX. I keep on getting paper checks but i have XXXX  XXXX  so i can not cash the checks

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 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal wallet was used to receive XXXX, back when i was mining, paypal nownew now closed my account not allowing me to track to see if the digital curremcy was ever received. Please lok into this for me, paypal closed my acccount because of the fault of others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Have asked Equifax to unfreeze account in previous complaint, CFBP XXXX, and explain why it is frozen and who froze it in the first place. Tried to access credit report today XX/XX/21 and found the account is still frozen. Need your help. 

Thanks.

Company response to consumer: Closed with explanation