vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 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: MA

Complaint narrative:
I am writing do to XXXX none-compliance of the CRA. XXXX is inaccurately reporting a late 30 day notice on my credit report for XXXX, 2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to XXXX with supporting documentation from email receipt from XXXX XXXX XXXX XXXX showing payment made for the month of XXXX, 2018 being made on time. I also sent XXXX email receipt for XXXX showing payment made before and after the month in question XXXX, 2018 and XXXX, 2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX this is defamation of character and willful injury under section 623 of the FCRA requirements and a violation by TransUnion. CFPB please ensure XXXX XXXX XXXX XXXX follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XXXX, 2018.

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 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
This is multi-layered problem beginning in XXXX of 2020 when I was attempting to refinance my mortgage with the same company that held my mortgage ( Nationstar/Mr. Cooper ). First, the person I was working with was not giving me accurate information and subsequently was removed from the process and I had to start over with a new person. Ultimately, the refinance did occur in XXXX, 2020 and I was satisfied with the new terms of my mortgage. However, within two months, I noticed some irregularities with my account and reconciliations. This started with notification that my escrow was short and that I needed to increase my monthly payment to account for the shortage or pay the shortage and keep my payment the same. I reached out to Mr. Cooper and started working with XXXX XXXX. XXXX looked at the account and saw two issues. First, Mr. Cooper charged me an additional " rate lock '' fee, which she paid back to me. She also noted that Mr. Cooper paid my property taxes twice, causing the apparent escrow shortfall. XXXX addressed the issue and credited by escrow with some funds and my monthly payment remained the same. 
However, I received a letter from Mr. Cooper, dated XX/XX/2020 stating that my escrow account was short and that I would need to pay more to make it whole. I also noted that when I check my account history on line after my XXXX payment there were quite a few additional entries. Bottom line for me was that my " remaining balance '' amount after my XXXX payment and my " remaining balance '' after my XXXX payment were exactly the same, meaning none of my payment went towards paying down the principal. I also found it frustrating that my escrow account could be short of funds less than two or three months in to the mortgage. If that was true, wouldn't that reflect on Mr. Cooper 's inability to properly calculate my escrow? However, when I compared to the amount I was paying for escrow to that amount with the refinance, the numbers were very similar as I expected. 
I was advised to reach out to you as this have been a series of mistakes and miscalculations ever since last XXXX. While XXXX has been very responsive, the others involved have caused me a great deal of anxiety that I should not have to experience to get proper servicing of my mortgage, particularly from the same company that was servicing my mortgage before, I am not new to them, nor are they new to me. I sent them a picture of the letter I referenced and a screen shot from my computer of the " history '' showing no credit for my XXXX payment. I can send the same to you if you want to see them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I can't access my Experian credit report/score since XX/XX/2020,. I called Experian multiple times and they have not resolved this issue. Every time I call, they transfer me between the dispute department and the membership department. This has caused me and my family a great pain because we can't get our mortgage approved because of this. I just called Experian this morning to complain to them about this and the representative that I was talking to, hang up the phone on me. I desperately need this issue resolved because it's preventing me from buying a house for my family. Please help me. This is not fair.

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 2021-01-14 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: TN

Complaint narrative:
I have submitted my dispute letters over 30 days ago the company has failed to respond. I did not give consent for these inaccurate items to be placed on my credit report. 15 USC 1681 A-K i have submitted my ftc report and company has failed to knowledge it this violation of action of section 605 b FCRA. I have attached my SSC & ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are recent credit inquiries that I did not authorize XXXX XXXX - 2 times in one day. This is not correct. 

I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from XXXX XXXX  XXXX  XXXX  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 2021-01-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There are recent credit inquiries that I did not authorize XXXX XXXX  - 2 times in one day. This is not correct. 

I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from XXXX XXXX  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are recent credit inquiries that I did not authorize XXXX XXXX  - 2 times in one day. This is not correct.
I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from XXXX  XXXX  XXXX  XXXX  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 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a client or was a client in a XXXX  XXXX  XXXX  with more than 12 years old, I have 2 accounts and two credit cards, I am not a United States resident, but I have never had problems with the institution and I have always fulfilled my obligations, they just I closed both my credit card accounts and they notified me that they would also close my accounts, can I do something about it? 

I proceeded to call them and after one hour and thirty minutes, the operator simply told me that the institution was no longer interested in doing business with me, without any reason or motive. 

XX/XX/2021 Bank Of America

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 2021-01-14 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 disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a client or was a client in a XXXX XXXX  XXXX  with more than 12 years old, I have 2 accounts and two credit cards, I am not a United States resident, but I have never had problems with the institution and I have always fulfilled my obligations, they just I closed both my credit card accounts and they notified me that they would also close my accounts, can I do something about it? 

I proceeded to call them and after one hour and thirty minutes, the operator simply told me that the institution was no longer interested in doing business with me, without any reason or motive. 

XX/XX/2021 Bank Of America

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 2021-01-14 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:
incorrect information reported on my report from equifax, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
incorrect information reported on my report from XXXX, transunion, 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 2021-01-14 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:
incorrect information reported on my report from XXXX, XXXX, experian

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 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has failed to send me my credit report after I had an identity theft issue. I have requested a copy of my report multiple times over the last 6 months and Equifax has never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
CFPB, Navient is stating that I have a payment due for XX/XX/2021even though the forbearance has been extended through XX/XX/2021.

" Secretary DeVos Extends Student Loan Forbearance Period Through XX/XX/2021, in Response to COVID-19 National Emergency ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MD

Complaint narrative:
I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TX

Complaint narrative:
The following accounts are fraudulent. Please delete them LOUISIANA XXXX XXXX / XXXX XXXX XXXX XXXX {$1000.00} XXXX / XXXX XXXX XXXX XXXX {$3500.00} act : XXXX XXXX / XXXX XXXX XXXX XXXX {$180.00} act : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I am not aware of this debt nor do I believe I owe this debt. I disputed this with the credit bureaus and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have a company called phoenix financial services on my credit report. This is saying its from a hospital bill. I do not owe this and was not ever informed about this bill. I have contested this but still shows on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MD

Complaint narrative:
I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/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 2021-01-14 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: MD

Complaint narrative:
I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/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 2021-01-14 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:
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 unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Received a voice mail that {$340.00} was charged to my Amazon Credit card and they wanted to confirm or deny the purchase. 
When I called ... ..the foreigner kept repeating they were here to help me and kept confirming my address. He also tried to educate me regarding XXXX addresses. 
I knew then it was a scam and I told the caller that. He tried to transfer me to an 'account manager '. I hung up. 
Here are 2 phone numbers I have for this scam XXXX 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 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am not sure however, I believe that this company ( Convergent-XXXX ) is working in conjunction with another company ( XXXX XXXX XXXX ) to run a scam. This debt is not mine, no proof is given that this debt is mine and I have been receiving threatening and harassing phone calls at work and home. They refuse to identify the debt and what it concerns and are using tactics that are illegal. I am filing complaints with the Federal Trade Commission and the State Attorney General 's offices in California and Georgia

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