vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NC

Complaint narrative:
I received a phone call from Revco Solutions on XX/XX/year> from a XXXX stating that I should call XXXX. I called the stated number XX/XX/year> at XXXX XXXX stating that I was returning a call using the number left and that I'd identify myself with my name. The agent told me that I would need the phone number that I was called at. I told her that I wouldn't provide that information at the moment, to which she responded " Have a good day '' and the call was ended. 

More importantly, the debt that they're likely referencing is a medical debt that is not owed by me -- as it's a billing mixup between the hospital and my health insurance -- and the resulting balance owed to them is unequivocally {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I recently reviewed my Credit Report and noticed that I have an incorrect report on my Credit Report. I don't have any signed agreement nor delt with LOCKHART, MORRIS & MONT. I'm requesting this company to be refrained from reporting to any of my Credit report Agency. This report is hurting me from acheiving good credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score. Please see attached documents for remedy solution.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score. Please see attached documents for remedy solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I pulled a copy of my credit reports and noticed fraudulent accounts and incorrect information that need to be DELETEDUPDATED. Pursuant to 15 USC 1681A ( 4 ) I am aware of MY RIGHT TO PRIVACY. Pursuant to 15 USC 1981c-2 the following accounts are to be DELETED within FOUR days of receipt of this letter on clear grounds of IDENTITY THEFTALLEGED IDENTITY THEFT as they were NOT originated nor authorized by me to be published. DELETE INQUIRYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
i sent usps certified mail letters on XXXX, to transunion, equifax, and experian for the reporting of the inaccurate and incomplete information on my credit report, which is a violation of 15v usc 1681e ( b ). I am requesting that they be deleted from my credit report within 15 days of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i sent usps certified mail letters on XXXX, to XXXX, XXXX, and experian for the reporting of the inaccurate and incomplete information on my credit report, which is a violation of 15v usc 1681e ( b ). I am requesting that they be deleted from my credit report within 15 days of receipt. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
I have been emailing and calling the mortgage company since XXXX for the removal of my PMI. I followed all of the steps called out by the company including filling out their required form and submitting a list of improvements with dates, amounts, and what work was completed. In XXXX, after submitting all of the forms, I received a letter stating that they were closing my request without saying anything else to me. I then called the company to inquire on why, and on that call they stated that it was because I didn't submit the required information ( even though I did ). I was then informed that the only thing I can do is to start over the request by resending in all of the forms again. I asked for the process to be expedited since they closed my request without reaching out or my consent and they agreed. But when I resubmitted the forms to the email I was given, and was told I would receive a response within three business days, I still hadn't heard back for over two weeks. I then called the company again to figure out why I am not hearing back and was put on hold for over an hour waiting to speak to someone to expedite the request. I was then told they had all of the papers and someone would review and call me back within five to seven business days instead of being able to speak to someone at that time. I insisted that I wanted to speak to someone at that time and was then again put on hold for over an hour. 
I has now been three months of requesting the PMI to be removed from my mortgage and I have done everything by their standards and requests and I am still not getting anything back from them. This feels like a forced way to ensure I keep paying the PMI every month they drag their feet, close out my requests for untrue reasons, and keep me in a run around for months. I just want this request completed as they are required by law to do and have the matter closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Newrez will not fix our loan in spite of contacting them directly, filing several complaints and jumping through a crazy amount of hoops. 

Previous complaints : XXXX XXXX XXXX Newrez continues sending us erratic, confusing letters regarding servicing our loan. Every year, we send them numerous copies of the same coverage that was approved with our loan application and every year, they force-place insurance. 

Summary of previous complaints : Newrez keeps force placing insurance in spite of us having sufficient coverage. We maintain coverage and pay our mortgage on time..even when it has been wrong. It is that simple. Our mortgage company is erroneously charging us more, and nothing is being done about it. 

What I need in a nutshell : 1. Calculate all the money that we were charged for force-place insurance back into our escrow account. 
2. Put our payment back to what it should be and always has been. 
3. Stop doing this to us. Fix our account. It is that simple. Fix our account and keep it fixed. 

In the past, I have included all the confusing letters. We even purchased an extra policy out of confusion. 

How it should go : 1. I send NewRez my updated policies every year. 
2. The insurance department reviews it for actual mistakes. 
3. I either get the mistake corrected, or my insurance is cleared until the next year 4. The appropriate payment is deducted from our account every month. 

What is actually happening : 1. I send my updated master policy every year. XXXX sends you my walls in coverage. 
2. NewRez starts inundating us with letters asking for changes to the policy. 
3. We go back to the company and ask for changes. Most of the time, the changes requested are not valid. 
a. Asking us to put XXXX instead of our actual unit number b. Asking for the mortgagee clause when it is already present c. Wind coverage d. One time, the insurance company made a mistake, and I immediately had it corrected. 
4. We call Newrez, and we are given different answers every time. 
a. It is just an automated letter ; you can disregard it b. You actually do have coverage. I'll have them remove the force place insurance 5. We get the letter showing that our payment is going up AGAIN 6. I contact Newrez, XXXX, CFB just trying to get someone to fix this for us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I use a handful of credit cards, all of which are on autopay. my main cards are for XXXX XXXX which I spend the vast majority of my money on, but I do have one capital one card that gets used for less than {$50.00} a month. Those payments have been on autopay but for some reason Capital One for 2 months straight did not take the money out of my account. As a result my credit score dropped by over XXXX points without my knowledge. I contacted Capital One multiple times and complained that it's unjust but the representatives told me there is nothing they can do. I contacted the credit card bureau and they suggested I resolve the issue with capital one. 

for timeline purposes, capital one failed to autopay in XXXX. I found out of my delinquency mid XXXX and I have spent the past few weeks in contact between different companies and agencies trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have been receiving harrasing phone calls at XXXX - XXXX daily and that is ILLEGAL, This is NOT unacceptable time to call anyone. I have scheduled multiple payments and the money was removed from my bank account and then returned a week later because the transaction was canceled. Every time a transaction is canceled i am NOT notified at all and are un aware until the next billing cycle when Sallie may says i am past due! I have contacted them over 6 times and talked to multiple people and supervisors and explained the issue and they just argue with me and say i never made the payment. The problem is with their bank not mine. I have explained to them multiple times the issue and they simply lack the capability of understanding because they just argue with me about the issue. The say to make a payment online with a debit card but that is not an option. The only payment option is ACH bank transfer which involves entering my bank account and routing information. At this point it is a waste of time to try and speak with anyone. I am now taking screen shots and pictures to prove what is happening and if their is no solution then i will be taking this to court and suing them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
On XX/XX/XXXX, I received notification from my credit report that an account had been placed in collections by Aldous and Associates. This account pertains to a gym membership allegedly unpaid, dating back to XX/XX/XXXX. 
I dispute the validity of this debt for several reasons : 1 ) Payment and Closure of Membership : On XX/XX/XXXX, I visited the gym in person, despite living XXXX hours away, to settle any outstanding debts and close my membership account. I communicated with XXXX XXXX, the General Manager, via email, and received confirmation of the refund on XX/XX/XXXX due to my bank account being charged twice for the same debt. 

XXXX ) Lack of Communication : Despite settling the alleged debt in XXXX and receiving confirmation, I was not notified of any outstanding amounts or attempts at collection until XXXX, when I received a notice from a collection agency. At that time, I was in the beginning process of my XXXX  enlistment and to avoid complications, I decided to pay the amount of the debt asked by the collection agency after complaining to the Gym and finding out that they could not do anything about alleged debt, the account was never placed in collection in my credit report. 
Nevertheless, 5 years after the collection was made, I am notified once again of this account being placed in collections, not by the collection agency but by the credit bureau after my credit score plummeted as a result of a new account placed in collection. This lack of communication is concerning and raises questions about the accuracy and validity of the debt. 

XXXX ) XXXX  Service : I enlisted in the XXXX XXXX shortly after the incident in XXXX. Any attempts at collection or reporting to credit agencies should have considered my XXXX  service and the protections afforded to service members under the Servicemembers Civil Relief Act ( SCRA ).

4 ) Inadequate Information : When contacting Aldous and Associates for information regarding the alleged debt, I was met with rudeness, lack of transparency, and inconsistency in their responses. They were unable to provide detailed information about the debt and only directed me to submit a written request during the last conversation I had with them, which further complicates resolution. 


Considering the above, I respectfully request the removal of the collection account from my credit report, as it is inaccurate and unjustified. In addition, I request the implementation of measures to prevent the same situation from occurring again in the future, including better communication practices and adherence to legal protections for service members.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: EdFinancial Services
State: FL

Complaint narrative:
I have been dealing with Edfinancial and trying to get a refund from them since I was approved for the Borrower Defense and was to have my loans dismissed and what I had paid refunded to me. The government explicitly laid out parameters which stated that the refund was meant to be sent to me by either check or bank account. I kept asking customer service questions and I always got the same response, " We have no control over the Department of Educations time line and there is no expected time frame when you'll receive the refund. '' I had to try a different approach and I asked the last agent I spoke to to explain to me where this " XXXX '' payment came from and suddenly XXXX says " XXXX showing we sent a refund check on XX/XX/XXXX '' which I NEVER received and it had somehow magically appeared to be paid to my balance on XX/XX/XXXX. She then said to me they didn't use the money to put towards a balance but that she submitted a " request '' for a refund even though she also said that " no, we didn't place it towards a balance '' which is clearly a blatant lie. I have been messed around with for over a year now with no results and they decided to use my money to pay a balance which I did NOT authorize especially since I've been asking when I'm going to get my refund for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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