vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: LA

Complaint narrative:
I mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, 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 2021-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received call from XXXX at XXXX XXXX from XXXX XXXX  representing Ace check cashing. I was advised that the line was being recorded she represented herself as a legal rep administering mediation. Advised that I was being sued for writing a bad check and it was XXXX that I was also facing criminal fraud charges fir an XXXX Violation. I could rectify it by making a payment of 50 %. I questioned the who the creditor was she stated it was Ace check cashing stated this was from XXXX ( Mentioned an old employer and bank ) I advised I had no idea what they were referring to I requested documentation to support these claims. The lady stated that they sent me the information via mail and this was my last attempt to rectify the situation I told them I had never received any such information she said its my word against the creditors. I said well id need the information to forward to my attorney. She then stated that she was going to transfer me to the legal department to file a dispute. Another lady got on the phone said she was from arbitration the documentation I was requesting was not available to me they would be placing me in check systems and I would get a notice to appear I would be served at my residence or current employer conversation ended. This is a clear violation of the FDCPA and This company contacted a family member regarding this requesting employment verification. I do not want them contacting family and my employers current or former I dont owe any debt to them and this is over 10yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Inc ( MCM ) {$360.00} I received a letter from Midland with an attempt to settle a debt in XXXX  XX/XX/XXXX in which I immediately sent a validation of this debt to on XX/XX/XXXX. Certified receipt of the item was XXXX which is attached. Clearly stated what I wanted the Collection agency to verify. XX/XX/XXXX they sent another computer generated settlement letter and failed to validate within 30 days of my letter sent and computer generated verification but no information on what I was asking them to provide me to validate this debt. XX/XX/XXXX I sent a no response letter to Midland stating again what they failed to provide me. Letter received at the XXXX  of XXXX dated XX/XX/XXXX asking me to provide them what is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This debt does not belong to me. I never opened this account and have disputed this on my credit report and I have requested proof of this account being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I did not open this debt and it does not belong to me. I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: WA

Complaint narrative:
I reached out to XXXX well during the COVID months when the governor and federal orders were in effect to inquire about options with a job loss. I was treated very rude and ignored, no options. I was later told about an email that was sent months later, that went to junk mail so I didn't have an option to respond. After several months of XXXX reporting late to the bureau despite the Covid relief order, I reached out regularly nearly begging them to correct as it was ruining my credit! In fact, they reached out to me regularly for payments and I asked about the status of updating my credit report. Each time, I was told they don't have time to update, it was a big project etc. Finally I filed a XXXX XXXX XXXX complaint. That got the attention of administration XXXX XXXX that reached out immediately indicating he would rectify the problem. Despite his efforts to rectify the problem and update my credit history, somehow, I got a notification from the credit bureau that the account was deleted even more so damaging my credit as I had a lengthy credit history with XXXX. I reached out to XXXX to inform him of the same. I hand wrote each credit bureau to dispute and request them to contact XXXX directly to confirm and update my credit reports. I received an updated credit report saying updated, however, the late payments are still reflected on my credit 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 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In 2019 bank of America closed my account due to it being overdraft. I have since paid that account in full. Bank of America is now reporting this account to XXXX  XXXX XXXX that it closed due to fradualent activity. I have called several times and have recorded phone calls where agents told me that the account was closed due to over draft and to fraud. I have escalated this issue to corporate and the CEO and still have not heard back in regards to this matter. Due to this reporting I can not open any accounts anywhere and it has caused XXXX XXXX XXXX XXXX to close 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 explanation
Consumer complaint received 2021-01-27 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:
These are not my accounts. This is a second request. Please remove them. I am not a mortgage company nor am I a credit person. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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:
These are not my accounts. This is a second request. Please remove them. I am not a mortgage company nor am I a credit person. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Avid Acceptance, LLC
State: WA

Complaint narrative:
I reached out to Avid well during the COVID months when the governor and federal orders were in effect to inquire about options with a job loss. I was treated very rude and ignored, no options. I was later told about an email that was sent months later, that went to junk mail so I didn't have an option to respond. After several months of Avid reporting late to the bureau despite the Covid relief order, I reached out regularly nearly begging them to correct as it was ruining my credit! In fact, they reached out to me regularly for payments and I asked about the status of updating my credit report. Each time, I was told they don't have time to update, it was a big project etc. Finally I filed a better business bureau complaint. That got the attention of administration XXXX XXXX that reached out immediately indicating he would rectify the problem. Despite his efforts to rectify the problem and update my credit history, somehow, I got a notification from the credit bureau that the account was deleted even more so damaging my credit as I had a lengthy credit history with Avid. I reached out to XXXX to inform him of the same. I hand wrote each credit bureau to dispute and request them to contact XXXX directly to confirm and update my credit reports. I received an updated credit report saying updated, however, the late payments are still reflected on my credit 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 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: MD

Complaint narrative:
Submitted a loan application and received a locked Loan Estimate on XX/XX/XXXX. This Loan Estimate did not have an amount disclosed for Transfer Taxes. I received 6 revisions of this Loan Estimate, all with minor or expected changes. On the 7th revision dated XX/XX/XXXX, I noticed a new charge of {$3300.00} for Transfer Taxes. Creditor indicated reason of Loan Estimate revision was " New information unknown at time of original LE ''. There has been no change of circumstance to my loan application. There is no new information about the borrowers that was not previously submitted to the creditor during the application. I tried to no avail to get the charge removed after quoting TRID rules that state transfer taxes are subject to the zero tolerance standard. I am also confident that the creditor is not computing the required transfer taxes correctly and overcharging the transfer tax by about $ 3,000+.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My loan servicer is Wells Fargo on my FHA loan. They said that I do not qualify for the automatic partial claim because on XX/XX/2020 my loan was delinquent. On HUD 's website it says : " If borrowers were current or less than 30 days delinquent as of XX/XX/2020, they may be entitled to this option. '' As of XX/XX/2020 on my Mortgage Account Page it said next payment due XX/XX/2020 ... so by XX/XX/2020 my account was only 29 days delinquent. I know I can apply for a loan modification, but I do not feel I will qualify because I am a XXXX and XXXX XXXX with less income than normal. I can not afford to pay much higher payments either. I have owned my home for 20 years and if I can claim the partial claim and put it at the end of my term, then I will be able to remain in my home and make monthly payments on time from now until the loan matures. I am not asking for special a treatment, but I am asking to be treated fairly. 
Entire web page : www.hud.gov/coronavirus/homeowners >The page says : " In response to the COVID-19 national emergency, FHA permitted borrowers to enter into forbearance, a pause or reduction in their monthly mortgage for up to six months. Borrowers can request an additional six months if needed. 
FHA does not require lump sum repayment at the end of the forbearance, and has developed the COVID-19 Standalone Partial Claim to assist with repayment. If borrowers were current or less than 30 days delinquent as of XX/XX/2020, they may be entitled to this option. 

A partial claim is a zero interest, no fee, junior lien on the borrowers property that will become payable when the borrower sells their home, pays off their mortgage, or their mortgage otherwise terminates. If the borrower does not qualify for the COVID-19 Standalone Partial Claim, FHA offers other tools to help repay missed payments over 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 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Inc ( MCM ) XXXX I received a letter from Midland with an attempt to settle a debt in the end of XX/XX/XXXX in which I immediately sent a validation of this debt to on XX/XX/XXXX. Certified receipt of the item was XX/XX/XXXX which is attached. Clearly stated what I wanted the Collection agency to verify. There was no response so I sent another letter stating there was no response on XX/XX/XXXX and that they failed to validate within 30 days of my letter sent. Mid to late XXXX I got a letter from Midland to let them know what I am disputing which was clearly made in the 2 first letters sent and they have ignored my request. XX/XX/XXXX I have sent an estoppel for clearly ignoring my requested information which they still have not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27 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: LA

Complaint narrative:
I mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XX/XX/XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, 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 2021-01-27 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: LA

Complaint narrative:
I mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XX/XX/XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
In the month of XXXX, 2018 I disputed via mail certain accounts and inquires that appeared to be errors reported on my credit report. I am a victim of identity theft and I am in desperate need of theses items being reviewed and blocked.

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 2021-01-27 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:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2021-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Statebridge Company
State: WI

Complaint narrative:
On XX/XX/2021, I submitted a payment to Statebridge ( STATEBRIDGE CO ONLINE PMT XXXX ) in the amount of XXXX. I also called and spoke to XXXX and informed him that I was starting to double up my payments. Moreover, the additional payment should be applied to the principal. He assured me that he would create a " task '' for another team to apply the payment to the principal. On XX/XX/2021, the payment appeared on my account on the Statebridge Company 's website. However, it was identified as an unapplied payment. I contacted Statebridge Company again and spoke with XXXX ( not sure on spelling ). She informed me that she confirmed XXXX 's data entry. But she could not provide any time frame that the amount would be correctly applied to the principal. It has been 5 business days since Statebridge Company acknowledged and recorded my additional payment in their system and has still failed to properly apply to the principal. 

Feeling extremely frustrated, I called again and requested a payoff amount. I was informed that I can not request a payoff amount over the phone. I must submit an email. I submitted an email on XX/XX/2021. I received an automating email asking for my account information, payoff date, etc. I responded with all the requested information. I have NOT received my payoff amount as requested. 

I am extremely concerned that when I do submit the final payment, that this company will again fail to properly credit my account. 

In looking for assistance, I looked for support from the XXXX. When researching this company, they have a D+ rating. 

I am confident that there must be many more complaints about Statebridge Company.. With so many complaints, I am not sure why the CFPB has not thoroughly investigated this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: MO

Complaint narrative:
I HAVE 10 INQUIRES ON MY TRANSUNION CREDIT THAT I KNOW NOTHING ABOUT.

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 2021-01-27 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: NY

Complaint narrative:
In the month of XXXX, 2018 I disputed via mail certain accounts and inquires that appeared to be errors reported on my credit report. I am a victim of identity theft and I am in desperate need of theses items being reviewed and blocked.

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 2021-01-27 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: GA

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my identity theft. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and has gotten into the hands of the wrong person. This lack of concern as a consumer is unsettling and disturbing as it is no fault that my information was exposed/stolen. I ask that this matter be corrected and updated immediately because I have sent in the required paper work as requested now I need you to enforce the laws here to protect the consumer.

Company response to consumer: Closed with explanation