vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: CA

Complaint narrative:
Our loan is managed by XXXX XXXX XXXX upon receiving our XX/XX/XXXX statement our payment was raised from {$1400.00} to {$1900.00} I contacted them and was told that I had a shortage in my Escrow impound.. I was never sent any notice that a shortage had developed something they were aware of starting at the end of XXXX. I asked if this could be paid over 24 months instead of 12 because a XXXX increase would cause me a financial hardship. They denied my request based on my ability to pay the extra XXXX. 
I feel they should work with me because they should have made an adjustment in my impound account a year ago and sent me notification. I found out about the increase in monthly payment when I looked into refinancing and was told my current monthly payment was listed at {$1900.00} In the past I always received notification and an opportunity to catch up my impound and there would be no shortage. I have requested 3 times for information from XXXX XXXX  and have received nothing. I believe my request to spread out this shortage over 24 months is fair but they are playing hard ball with me. With the current economic conditions caused by the XXXX lock downs you think they would work with people. When XXXX XXXX took over processing of our loan didn't know they were a collection agency and not a Mortgage Company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: GA

Complaint narrative:
I Have been an 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, disrespected but the customer service rep 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 am very disappointed. REMOVE THE FRAUD ACCOUNTS ASAP!

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 2021-01-29 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:
I Have been an 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, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I want the fraud accounts removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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:
I Have been an 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, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I want the fraud accounts removed ASAP!

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 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I have sent requests and information to a collection agency notifying them that I had never had or applied or had any knowledge of the credit card or its & XXXX debt. So far they have been intransigent and have never supplied any documentation to verify. It is hurting my credit score for something I did not have or apply for or use. I am evidently, a victim of someone using my name and social security number. 
The collection Company is named National Credit Adjusters and regards a credit card called " XXXX ''. I have gone through the respective credit reporting agencies and have no address for this collection company. I have disputed numerous times over the last several months, to no avail. I understand when a debt is owed but causing me such trouble and time for something I have not done is not warranted. Any assistance is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, after pulling my credit report, I realize some accounts on my credit report that did not belong to me, right after, I started to search on the web about how to remove inaccurate information on my report. About two months went by and I started the journal of disputing, so, to be exact, on XX/XX/XXXX I submitted my first dispute to the credit Bureaus, very few items were remove, on XX/XX/XXXX, I sent my second dispute, some more items were removed. Unfortunately, about a week and so, I received a collection letter from COMMONWEALTH FINANCIAL SYSTEM trying to collect on an alleged debt with XXXX XXXX XXXX XXXX, I do not have any idea where this debt is coming from. This alleged debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Alpine Credit, Inc
State: CO

Complaint narrative:
On XXXX XXXX, XXXX, ALPINE CREDIT INC ( Opened XXXX XXXX, XXXX XXXX add a derogatory mark on my credit reports. ALPINE CREDIT INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 an 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, disrespected but the customer service rep 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! 

I want this removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I got an email this morning from Chase saying that on XX/XX/2021 my now closed account ( they did that as punishment ) will be charged penalty APR of 29.99 %. They are the ONLY creditor that has not reduced my interest rate during this nearly 1 year long pandemic. This is CRIMINAL. I had been paying as much as I could during COVID but they took all my remainaing credit ( over $ XXXX ) away after a $ XXXX payment in XXXX. I haven't received a dime in unemployment in over 2 months so I will have to borrow money when I try to settle this debt because with what I have paid in interest over the last year I could have substantially reduced my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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:
I Have been an 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, disrespected but the customer service rep 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! 

I want this removed ASAP!

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 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
We initiated an application to refinance our mortgage with NewRez, the holder of our current mortgage, on XXXX XX/XX/2020. Nearly six months later our application has not been approved. We receive repeated requests to submit information we have submitted multiple times before and that NewRez has acknowledged receiving. So our application drags on month after month, and we pay interest that we would not have had to pay if our application had been approved in a timely manner. Our loan officer s have frequently not responded to phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
I have sent requests and information to a collection agency notifying them that I had never had or applied or had any knowledge of the credit card or its & XXXX debt. So far they have been intransigent and have never supplied any documentation to verify. It is hurting my credit score for something I did not have or apply for or use. I am evidently, a victim of someone using my name and social security number.

The collection Company is named XXXX XXXX XXXX and regards a credit card called " XXXX ''. I have gone through the respective credit reporting agencies and have no address for this collection company. I have disputed numerous times over the last several months, to no avail. I understand when a debt is owed but causing me such trouble and time for something I have not done is not warranted. Any assistance is appreciated. 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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received an alert from XXXX XXXX alerting me that I voluntarily closed my XXXX XXXX account. I just simply paid off my loan. Considering that there is an existing investigation with XXXX, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX  Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have XXXX XXXX to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because XXXX has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark 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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received an alert from XXXX XXXX alerting me that I voluntarily closed my XXXX XXXX account. I just simply paid off my loan. Considering that there is an existing investigation with XXXX, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have XXXX XXXX to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because XXXX has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received an alert from XXXX XXXX alerting me that I voluntarily closed my XXXX XXXX account. I just simply paid off my loan. Considering that there is an existing investigation with XXXX, I should not have a closed account. If anything, the account should say PAID IN FULL. My Experian Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have XXXX XXXX to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because XXXX has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark 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 non-monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
BSI Financial Services is reporting an unpaid mortgage balance that is not owed. Attached I have provided evidence that the unpaid balance that is being claimed by BSI Mortgage has been resolved two years ago. 

Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: GA

Complaint narrative:
I am full of mixed emotion. I have been consistently denied for auto loans, mortgage loans and by credit card companies! After being denied a considerable amount of times I decided to review my credit report. The things I came across when viewing the items being reported frustrates me. My credit report is full of errors and accounts that do not belong to me. I have prior experience as an attorney so I am familiar with how laws work. According to FCRA section 609 you are required to provide me with an original application bearing my signature from each creditor reporting negative information on my credit report. If I am not provided this information within 30 days all items are suppose to be removed. I am confident that these items will be removed because the original application bearing my does not exist because these accounts do not belong to me. If needed I will take legal action for the errors. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose the banking system works operates off of credit reporting agencies reporting accurate information. So it is in you best interest to always assure that any information being reported is accurate.

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 2021-01-29 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:
I am full of mixed emotion. I have been consistently denied for auto loans, mortgage loans and by credit card companies! After being denied a considerable amount of times I decided to review my credit report. The things I came across when viewing the items being reported frustrates me. My credit report is full of errors and accounts that do not belong to me. I have prior experience as an attorney so I am familiar with how laws work. According to FCRA section 609 you are required to provide me with an original application bearing my signature from each creditor reporting negative information on my credit report. If I am not provided this information within 30 days all items are suppose to be removed. I am confident that these items will be removed because the original application bearing my does not exist because these accounts do not belong to me. If needed I will take legal action for the errors. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose the banking system works operates off of credit reporting agencies reporting accurate information. So it is in you best interest to always assure that any information being reported is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
We took our XXXX car that is covered under warranty and that we are still making payments on to XXXX XXXX XXXX because a warning light lit up on the car 's dashboard. XXXX XXXX XXXX inspected the car and told us that repairs would be {$470.00}. I said told XXXX XXXX XXXX that we were still under warranty on our vehicle. XXXX XXXX XXXX refused to honor the warranty. They also refused to allow us to leave with our car, saying they had drained all the oil from the car and that we could not take it until we agreed to let them repair it at our expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: NY

Complaint narrative:
Dear Sir/ Madam, Thanking you in advance for your time and attention -with regard now - my complaint with Performant Recovery , Inc. which continues to date to harass me with bogus ( absolutely false ) claim of money due and in addition " delinquency '' as well - with the possibility of other charges if no response by me within 30 days. 
This is in regard to sales taxes- my company is not active - no sales were made! Therefore no money was made and in addition the demand for delinquency funds is ludicrous! 
This began at tax time last year XXXX - as is now the same - with a letter as is now - and several phone calls going back and forth - with the involvement of my accountant which was solved - finally! 
However, it is starting up again, and involving the collection, and for the same time period which is well passed ( obviously fraud ) XX/XX/XXXX ( twice ) Although there is no amount due - but a delinquency charge, of which there should be none - and could become absolutely unbelievable, with erroneous charges mounting and sky rocketing with delight for them! 
As well - their delight, perhaps, in disturbing and aggravating my day with such a nasty trivial matter which could also alter my standing as decent and reputable!!! 
Thank you ever much as I remain, Cordially yours,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: SC

Complaint narrative:
Since XX/XX/XXXX Ive been asking for a. Escrow analysis as Im a resident of South Carolina and have been way overpaying my escrow. Ive called the company at least 10 times and have been lied to and mislead that it was being taken care of it and as of XX/XX/XXXX no analysis has been done and they are holding over {$2000.00} of my money and Im still overpaying my mortgage. They in my estimate are committing fraud!!!!

Company response to consumer: Closed with explanation