vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies TRANSUNION, experian and transunion are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX opened on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company

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 2021-08-17 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: WV

Complaint narrative:
I submitted enough information for you to determine and agree that these accounts have fraudulent charges from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence these accounts need to be removed immediately ( XXXX XXXX XXXX XXXX ) fraudulent charges made on account. ( 104 ) ( XXXX XXXX XXXX ) fraudulent charges made on account. ( 104 ) This is my second request please remove the above accounts and send me a new credit report showing these corrections.

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 2021-08-17 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: FL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX I learned about this debt under my name and social security last year when I was served with papers for a court hearing regarding the debt owed. After calling several locations because the account was sold to 3rd party collectors, I was informed this debt was for medical cosmetic XXXX in which I have never had any cosmetic XXXX done nor authorize such. They informed me that someone has been paying on this account, I immediately asked them where were the payment coming from and if there's any way tracing those payments. They also provided me with a different mailing address other than my home address that the invoices were being sent, I again asked them if they can trace this. I appeared in court XX/XX/XXXX in which and advised them this is not my debt and did not authorize this account to be open, never signed anything, do not know of this account until I was served at my residence place. The paper for the court hearing were sent to the correct address, however who ever used my identity was paying the balance from a different address and then stop paying which I know nothing of until I called and was provided with all this information. Credit Solution who is representing the company in which I do not even know their name indicated in court that they will look into this and contact me. Never heard back from them and received again a court hearing for XX/XX/XXXX in which I attended and finally spoke to to their representative and provided them with all my detail information, and an additional court date was set by the Judge for XX/XX/XXXX to give the Credit Collector time to investigate. They submitted a form by mail and I filled it out and sent it back. I recently receive a letter from them indicating that I do not qualify, not sure what this means. However I have court on XX/XX/XXXX and was not aware that I can file this ITR with the FTC so they can also further look into this, so I'm in hope that you can help me. If you can please further assist in this matter, so I can be prepared in court that I have tried to resolve this, since Credit Solution is not willing to understand that my Identity was stolen from me without authorization, I have provided them with all information that they were seeking and have attended every court hearing. I honestly feel that they did not further do they part in properly investigating this matter as the Judge gave them a time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Acct # XXXX & XXXX XXXX  # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank XXXX we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17 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: PA

Complaint narrative:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX and I'm writing to dispute a fraudulent account on my credit report as a result of identity theft. 
A couple of years back I had someone take out 2 credit cards and a phone plan with my social security number. 
I disuputed these accounts initially roughly 2 years back. All of the fraudulent accounts were investigated and then deleted. 

A couple of months back, it seems that the XXXX phone account has popped back up for whatever reason. 
Since this has not been resolved, I have filed a police report with the XXXX Police Department in XXXX, North Carolina this week. 
The address of the police department is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

I'm requesting that this debt be removed immediately from my credit report as it is completely fraudulent. 
If this issue is not resolved and pops back up again in the future, I will proceed with further necessary legal action. 

Amount : {$790.00} Opened : XX/XX/2020 Original creditor : XXXX Current creditor : Convergent Outsourcing

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 2021-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc
State: MO

Complaint narrative:
I HAVE ATEMOTED TO REACH OUT TO POSSIBLE FINACE SEVERAL TIMES TO MAKE MY PAYMENT AND TO PAY IN FULL. THEY DO NOT HAVE A CUSTOMER SERVICE NUMBER BUT EMAIL. I HAVE ASKED FOR SOMEONE TO CALL ME SEVERAL TIMES, SO I CAN MAKE MY PAYMENT. THEIR APP IS VERY DIFFICULT TO UNDERSTAND AND I WANT TO PAY ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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:
I am a victim of identify theft and did not make these charges, the items that need to be removed from my report are listed in my supporting documents.I have never done any business with this companies. This company does not have contracts with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
I have been attempting to get my mortgage company movement mortgage to recalculate my escrow using my accurate taxes. I have now three times provided them with documentation from the city/county stating my tax amounts. Currently they are forcing me to pay an extra {$400.00} on my escrow/mortgage bill because they have my taxes wrong. Initially their company asked me to email the proof of tax change to an email address and just wait. I did this and fortunately called to hear that this email address was the wrong location ( 2 weeks later ). I was then asked to submit the documentation through another website. The are refusing to provide any proof of submission. My taxes were approved for my lower rate according to the county as of mid XXXX. This company states that they do not see my taxes being at this rate. I have provided plenty of documentation and called the county who have verified several times that these are my taxes. Meanwhile this company is still requiring me to pay the additional amount monthly for these non existent taxes and will not provide a timeframe as to when they plan to fix this issue. This company needs to fix whatever the miscommunication is as to where to send tax documentation, fix my escrow payment and provide me with a full refund for the > {$1200.00} they currently owe me that I have overpaid on my escrow at this point BEFORE the end of this month and they require me to pay the additional amount again ( leaving me with an overbalance of {$1600.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the courthouse where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
Specialized loan servicing raised my payment by XXXX telling me I have escrow shortage. My taxes are XXXX : {$5000.00} and XXXX {$5100.00}, so my taxes went down. No one -at the bank wants to explain everyone is saying I have shortage XXXX and it needs to be paid. I am looking at my county tax bill and it looks like taxes went up in XXXX but not by XXXX. I am XXXX and this is elderly abuse. They treated me like I am an XXXX when speaking with several individuals. I was talking to customer service she could not explain, so she referred me to escrow analysis department. The analyst was putting me on hold constantly and than he disconnected on me without saying a word about the situation and only mention " wait a second I have 2 bills here '' I have my tax bill available and escrow analysis from XXXX and XXXX, I actually I got refund of {$110.00} last year, so how is it possible to have shortage of XXXX almost 100 % of my tax amount? I called again and I was refused to speak with manager. They said someone will call back, they never do. Please find all the documentation attached, I was about to pay my mortgage on the XXXX when i discovered the issue, now I will be late.

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 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I have had insurance coverage on the mortgaged property outside of escrow since XX/XX/XXXX with no lapse in coverage. The coverage amount is {$50000.00} with a {$5000.00} deductible. 

XX/XX/XXXX I received a letter from Mr. Cooper stating I was to be receiving forced placed insurance. I had insurance through my agent outside of escrow and the insurance documents had been uploaded to their server. The system they use to apply forced placed insurance is tailored to benefit the application of forced placed insurance and put the burden of proof onto the customer. 

In XXXX of XXXX I received a letter from Mr. Cooper stating my maximum deductible needs to be 5 %. I have asked for this guideline to be proven in writing from our original contract. I asked in an internal message system on XX/XX/XXXX, and twice on XX/XX/XXXX. I have yet to receive anything in writing proving this guideline. It does not exist. Therefore, this company is enforcing higher insurance cost onto their customers through arbitrary means. 

In a phone conversation XX/XX/XXXX Mr. Cooper called me to talk about the insurance deductible of 5 %. The agent had no written proof and said it's the system that generates the infraction and there's nothing they can do about it. The system is created by Mr. Cooper or affiliates therefore there is everything they can do about it. It comes down to arbitrary application of guidelines which cost the customer more money and benefit Mr. Cooper and it's affiliates. 

Also Mr. Cooper 's practice of arbitrary actions cost me time in having to deal with their actions. Additionally I have to pay for items placed on my account for fear of being reported to credit agencies for default payment. 

Thank you for your time in review. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: NJ

Complaint narrative:
The 2 late payments on my XXXX account have been removed over a month ago and it's still hasn't been updated. Has been updated on other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: FL

Complaint narrative:
I have filled dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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:
I am a victim of identity theft and did not make these charges. theme that need to be removed from my report are listed in my supporting documents. I do not know this company. I have never done any business with this companies. This company does not have contracts with my signature.

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 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed 2 {$15.00} maintenance fees for falling below the minimum balance of {$100.00} on XX/XX/XXXX & XX/XX/XXXX when the statements shows I had the required amount to offset the fee.I spoke to XXXX who insisted they were correct.

Company response to consumer: Closed with monetary relief