vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-19 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:
To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: PA

Complaint narrative:
To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P.
State: NC

Complaint narrative:
The collection agency Paramount Recovery has ILLEGALLY re-aged a collection they are in possession of. That is a direct and serious violation of FCRA. I've already disputed the problem with XXXX and XXXX. I am now submitting a formal complaint about it. I don't have any documentation to support my claims. But I will say I haven't been in or lived in Florida in over 5 years, the original creditor is winter haven hospital which is in Florida and on my credit it shows the account opened XXXX of this year 2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: TX

Complaint narrative:
On XX/XX/2021 I submitted a multi-item dispute via mail thru the USPS. The credit reporting agency replied to my correspondence stating that the disputed items were verified. On XX/XX/XXXX I wrote to the credit reporting agency ( see attached letter ), again, citing the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states, a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit reporting agency failed to reply within 14 days after receiving the request and they also failed to provide the information requested as outlined by the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 14 days after receiving a request from the consumer for that description.

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 2021-12-19 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: TX

Complaint narrative:
On XX/XX/2021 I submitted a multi-item dispute via mail thru the USPS. The credit reporting agency replied to my correspondence stating that the disputed items were verified. On XX/XX/XXXX I wrote to the credit reporting agency ( see attached letter ), again, citing the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states, a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit reporting agency failed to reply within 14 days after receiving the request and they also failed to provide the information requested as outlined by the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 14 days after receiving a request from the consumer for that description.

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 2021-12-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
A company by the name of Hunter Warfield continues has a collection entry on my credit report that does not belong to me. My report shows this collection is for an apartment complex, XXXX XXXX, from debt owed in 2018. It is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Still on my credit report they still refused remove debt of the list

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Loan was opened under my name without authorization. I already contacted the company twice and had fill out ( unauthorized activity ) twice. Company isn't doing any investigation other than communication with Merchant ( which obviously ) won't lose money/merchandise and will provide valid information that for them ( it's valid ) but for me ( the victim ) is inaccurate/unauthorized/not valid. 

Latest communication to company attached. 

" I received an email that a loan was approved but I didn't read it right away. I read it after I found out an unauthorized loan was opened under my name. Changed password and contacted Customer Service while at the same time a notification that a package was on its way was received, but never reached my doorstep. I was at work when the ( address used ) was not the correct address ( missing information ) and I have proof of that or you can simply read the tracking history. Someone around 5 PM I believe picked up a package under my name when I was still at work, and I have proof of that as well. Your job should be to pull the video from the store or drug store the package was picked up from and analyze it thoroughly, NOT to deny my claim because you have too many claims for the day. Do your job and this is the second time I had to filled this report out for y'all. Also, I'm filling a XXXX  report on the wrongfully negative trademark sent to credit bureaus and another XXXX thru CFPB and others ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
At the beginning of the XX/XX/XXXX statement period, the outstanding balance on this mortgage was {$190000.00} For the XX/XX/XXXX statement period, I made the following payments : {$10000.00} additional principal payment on XX/XX/XXXX An additional {$10000.00} additional principal payment on XX/XX/XXXX Regular Monthly payment of {$1900.00} on XX/XX/XXXX A total of {$800.00} in interest was deducted from these payments. This exceeds the {$420.00} in interest that was due for XX/XX/XXXX. 

This equates to an interest rate of 4.99 %, which is higher than the agreed upon fixed rate of 2.65 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2021 contacted vendor no response. 

XX/XX/2021 item was supposedly shipped but never received item XX/XX/2021 Contacted bank to dispute I have emailed and messaged vendor no response on how to get a refund or get another item on the package that I never received. 

XX/XX/2021 Wells Fargo closed claim and told me to contact vendor but I have tried to contacted vendor but no response.

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 2021-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Do to Covid both my wife and I were furloughed from our jobs at the same time. My wife returned 8 months later but my position was lost. We reached out to our mortgage company and were put on a forbodence plan. Last month a realtor stoped by my home and wanted to know if I wanted to sell my house because it was on the foreclosure sale list. That was on XXXX. That is how I found out that I was in foreclosure, I didnt get notified by the bank or the attorney until days later. And that was not even done by certified mail it was just by regular mail. I contacted midland mortgage on XXXX I was told that there were a few motifacation programs that I may qualify for I started the process that day on the phone with XXXX badge number XXXX. I was told that all foreclosure procedures would be stopped during the review process. He said that I would get a conformation letter stating that which I did receive. As of today my home is still on the auction list for XX/XX/2022. At this point I am back to work and am able to make payments as per my mortgage agreement. I explained that to my mortgage company and even offered to start paying my payment at which point I was told not to do that at this time.

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 2021-12-19 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: GA

Complaint narrative:
Theres credit cards in my name thats on my credit reports I want removed due to being open in my name, XXXX credit card, XXXX credit card, XXXX XXXX account Im being sent information about it might not reflect yet on my credit reports but Im being sent information about it please block this information, XXXX credit card, please delete this information in all three credit bureaus, my information is being used to open accounts in my name that Im unaware about, do not put any fraud alert on my credit reports I do not want that, and XXXX XXXX credit card

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 2021-12-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've had two accounts with XXXX card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my experian, XXXX, and XXXX credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX XXXX  and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.

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 2021-12-19 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: GA

Complaint narrative:
Theres credit cards in my name thats on my credit reports I want removed due to being open in my name, XXXX credit card, XXXX credit card, XXXX XXXX account Im being sent information about it might not reflect yet on my credit reports but Im being sent information about it please block this information, XXXX credit card, please delete this information in all three credit bureaus, my information is being used to open accounts in my name that Im unaware about, do not put any fraud alert on my credit reports I do not want that, and XXXX XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
Purchase car XX/XX/XXXX in the middle of open XXXX XXXX. Past due on account, instead of Prestige just reporting me late, they reported my account as paid off and as a New BK, when my BK discharged on XX/XX/XXXX. I sent email to complain and XXXX emailed me back. XXXX stated I have reviewed your account history, our reporting of that history, as well as the Prestige tradelines for all 3 credit reporting agencies. I was able to see where your report shows that this account is included with your bankruptcy filed in XX/XX/XXXX. This is not information Prestige has provided to the bureaus, and I am not sure why they are reporting this information. I have sent a manual update to remove the bankruptcy information and report the correct account information, which you should see in the next few business days. XX/XX/XXXX, recvd an alert stating account has been closed and now dropped my score to XXXX, included in BK. instead of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX we purchased a condo at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, CA XXXX Our mortgage bank is Ameris Bank When we closed on this property, our title company estimated yearly property tax as roughly {$14000.00} based on a purchase price of {>= $1,000,000} and a property tax rate of 1/25 %. Since closing, we have been paying approximately {$1200.00} each month to Ameris bank escrow in anticipation of property taxes due. 

The first half of our property tax came due on XX/XX/XXXX. On XX/XX/XXXX, we received a notice from Ameris bank that they made a property tax payment of {$27000.00} - 4 TIMES MORE THAN THE ESTIMATED TAXES. 

When we noticed this error, I called Ameris support and asked them to correct it. The Ameris representative told me that the City billed them for that amount and they paid what they were billed. The representative also told they would investigate the discrepancy and get back to me in 10 days. I have not heard from them since. 

Since that time, we spoke to the City assessors office and learned that the XXXXXXXX XXXX  XXXX never formally assessed our unit, and therefore never issued a tax bill for it. However there were two tax bills outstanding for THE ENTIRE BUILDING, one for secured taxes and another for supplemental taxes. The City never sent either of those bills to us, nor did they send those bills to Ameris. Ameris found the secured tax bill online and paid it using our escrow funds. THEY PAID THE WRONG TAX BILL AND CHARGED OUR ESCROW ACCOUNT. 

The City also told us that they had not yet received the payment from Ameris. Since Ameris was not working with us to issue the correct payment, and in order to avoid penalties and impounding of property, we worked out with the other building occupants what each of us owed, and we each paid our portion to the city via personal check. AS UNIT # 1 WE HAD TO PAY {$5700.00} IN PROPERTY TAX DIRECTLY TO THE CITY OUT OF OUR PERSONAL CHECKING. 

So at this point, Ameris has overpaid {$27000.00} in taxes to the XXXXXXXX XXXX  XXXX XXXX, and has still not credited that overpayment to our account. And, on top of that payment, we had to pay {$5700.00} out of pocket to meet the property tax deadline. 

Further, because Ameris continues to debit our escrow account with their erroneous tax payment, our credit report is now showing that we owe them {$12000.00}, and THIS HAS ADVERSELY AFFECTED OUR CREDIT SCORES We are beyond frustrated at the incompetence of Ameris Bank in handling this situation and are asking the CFPB to get involved. We have spent over 40 hours trying to fix this mess. Ameris bank has been incompetent and non-responsive this entire time, and this is now affecting our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have had this account since XX/XX/XXXX as I got aligners from XXXX XXXX 
I had many issues with XXXX and, as a resolution, they gave me a partial refund of {$300.00}. I have also been paying excess towards my account because the interest rate was pretty high. 

Now, I just want to apply that credit to the balance so I can have the account closed. 

Prior to XX/XX/XXXX, I cancelled my auto-payments and called in to customer service. ( which is now Synchrony Bank ) A representative told me that they can not apply the credit to my balance and I would have to let it lapse each month to have the money taken out of that credit balance. She also told me that I would still owe the whole {$350.00} amount and that " credit '' is reflected in my payoff balance. This does not make any sense at all. It clearly states what I have a balance of {$330.00} AND a credit of {$290.00}, now. 

I do not want to pay excess finance charges or even interest, which is why I've been overpaying each month. In the terms of my original contract with XXXX, it states that I can pay off early to avoid these costs.

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 2021-12-19 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: NY

Complaint narrative:
I received a thank you feedback email from Experian indicating if as a representative named XXXX had worked with an imposter and reviewed my account. Upon calling Experian, they weren't able to identify where the action came from. However, additionally, they were able to tell me someone had access to my account via an XXXX computer, of which I don't own through previous transactions logs. Per confirmation with Experian, when a caller calls in, all they would need to provide is the person 's name, social security number and birthday and any imposter can review the account as long as they have all the correct information. I've also submitted a security freeze online. If Experian has a system that sends a verbal code to the owner 's phone whenever a password needs to be reset, why hasn't the second level of authentication been added to prevent imposters.

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