vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, my experian credit report was flagged with a collection by XXXX XXXX XXXX in the amount of {$590.00}. On XX/XX/XXXX, I mailed a letter to experian exercising my right under the Fair Credit Reporting Act, Section 609 to be provided the source of the information with the original contract that contains my signature. I never received this information from them but instead they opened an experian website dispute with the results of it being an accurate collection belonging to me. On XX/XX/XXXX, I mailed another letter exercising my right under FCRA 611 ( a ) ( 7 ) for the method of verification used to verify XXXX XXXX XXXX account. I also stated that according to FCRA 611 ( a ) ( 7 ), they had 15 days from receiving the letter to provide the information or delete the negative item from my experian credit report. They never provided me with the information but instead they opened another experian website dispute with the same original results. On XX/XX/XXXX, I mailed another letter requesting for the collection to be deleted since they did not provide the information within that time frame and nor did they ever provide it.

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 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Servicing Group LLC
State: CA

Complaint narrative:
( XXXX ) XXXX @ XXXX XXXX Below is the XXXX Transcript of the voicemail- Hey, this is XXXX with account services pre-legal. Your account has been placed in my department and we need to get a statement on your behalf. If there's no intention of a resolution, obviously, if you do prefer an amicable resolution, please call or go online and get this resolved right away at ASG recovers, That is a is an account S as in Services, G as in group recovers that's recovers or again, just give us a call back at this number for a lake that's super important. We get this matter resolved once and for all is it has been outstanding for too long as it is by law. I am required to inform you. This isn't a collect the debt. Thank you very much.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive contacted transunion multiple times on XX/XX/XXXX. I advised them that I have unauthorized inquiries on my credit report. 

Unauthorized inquiries below XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I didnt authorize any of the above inquiries and I have made every attempt to have these legally disputed. The Transunion representatives have all said that they will not file my dispute. They have also told me that they require me to call the above companies, and have them provide me with a letter to be removed from my credit report. 

I made a few attempts to request these letters and I was told by XXXX XXXX  and XXXXXXXX XXXX that transunion is the agency that needs to contact them. 

Ive spent many hours attempting to correct this problem with my credit report and transunion wont comply with the the law and wont research and contact the companies.

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
On XXXX my husband received a phone call from Mr. Cooper mortgage company to see if we were interested in refinancing. My husband said we would not be interested due to the high interest rates. The next day the mortgage broker called again and asked if wed like to proceed and my husband told him that he would consult with his wife. On XXXX I received an alert from XXXX that Mr. Cooper obtained a copy of my XXXX Credit Report. I never spoke to this company to provide an authorization to pull my credit. I am not even an account holder with Mr. Cooper and have no idea how they were able to obtain my social security number. I also have a fraud alert on my credit report that will not allow a company to run my credit without confirming my identity via the provided phone number. No such verification call was ever made to my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I was in a forbearance plan due to the impact of COVID shutdown and income was lowered.Now the forbearance is up I wanted to start making payments again and mortgage company wants me to pay XXXX dollars up front and will not take any lower payments.I do not have XXXX upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
On XXXX my husband received a phone call from XXXX XXXX mortgage company to see if we were interested in refinancing. My husband said we would not be interested due to the high interest rates. The next day the mortgage broker called again and asked if wed like to proceed and my husband told him that he would consult with his wife. On XXXX I received an alert from Experian that XXXX XXXX obtained a copy of my Experian Credit Report. I never spoke to this company to provide an authorization to pull my credit. I am not even an account holder with XXXX XXXX and have no idea how they were able to obtain my social security number. I also have a fraud alert on my credit report that will not allow a company to run my credit without confirming my identity via the provided phone number. No such verification call was ever made to my phone number.

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 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
I received a letter from DYNAMIC RECOVERY SOLUTIONS XXXX XXXX XXXX. XXXX, SC XXXX a collector 's company claiming that I owned over {$600000.00} dollars and this is from a credit card from XXXX. I remember over 15 years ago my credit card was stolen or the number and there was a large amount but I not so sure. I think this was in XXXX XXXX since I was traveling to XXXX. I don't see anything on my credit report from XXXX I just received this to my mail address. I don't have any bills pending, if this is the case why is not on my credit report. 

Thank you so much and please advice what to do next. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
The bank in question over a negative amount owed on an account that was closed by full payment and later reopened by fraud of company unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
XXXX  starting XX/XX/XXXX, they've taken {$20000.00}. I googled credit help, and their site seemed to good to be true. After doing a phone consult they said they'd save me money. They told me to stop paying my credit cards and that they'd take care of everything. So with all my debt, and the banks not working with me in financial hardship, even though i've paid on time for almost 10 years. I trusted XXXX XXXX being a company, and stopped making my payments. I never saw the actual " settlement agreements '' until XX/XX/XXXX when I couldnt figure out where my money went. Bank of america filed me in court ( XXXX ) and XXXX  XXXX, I submitted those to XXXX XXXX, asking what do i do after recieving a summons, they said i didnt need to respond if i didnt want to. I did the first reponse, and trusted them there after. XXXX XXXX paid bank of america and their settlements XXXX $ and none of that was applied when collected was put against me. I trusted them to help me, and on top already losing more money with them, i have court charges on me that they are not helping me with nor tried to help me with. the Court charges are XXXX $ and XXXX , they said if i stop making payments to them i'll lose more settlements. in which i recieved 1099c.

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 2022-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
found out that I had a deferred amount on my mortgage in the amount of {$69000.00} of to which I believed that I had paid off my loan with the last payment which was in XXXX of 2021. The company sent me several letters saying I was late. They even filed a complaint with the credit departments. I was told by Specialized Loan Services to get a loan to pay off the deferred amount. I check with the company that they suggested and the name of that company is XXXX XXXX. The man that I spoke to told me about the credit ratings and that I could not apply for a loan. The amounts that they complained about made no sense to me at all. So here I am stuck with {$69000.00} to pay and no way to get the money to pay. I would like this to be stricken from my credit rating and not have to pay them back. Pleas help me.

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 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
Vanderbilt Mortgage and Finance INC keeps listing a fee of {$15.00} and refuses to tell me why. Email responses have been vague. They copy and paste the late fee description from the website or deny that my email is associated with my account ( where they send email notifications when my statement is ready ). My payments draft and clear well before being late. Their late fee ( as listed on the monthly statement in the breakdown of fees, in the event that a payment is late ) is listed as {$20.00}, not {$15.00}. But still they ignore my requests for explanation of the charges. While we were trying to recover from the debt that losing our jobs to XXXX XXXX, they emailed and called me almost every day, but now all of a sudden they don't know who I am. I have been current and on time with my payments for months, a month has passed since my last email and I just got another statement with a XXXX {$15.00} charge. The email where they ask for my account information is a response to an email I sent via my online account where I pay my mortgage. They have access to all my information. When I responded directly they changed from calling my by my name ( Primary on the loan, the one who pays every month since the begining of the loan ) and started calling me by the cosigners name. At this point they copied and pasted the late fee statement from their website. But if you look at the statements it is not a late fee, it is a past due balance despite no late payments at all and no other reason for this fee. In some statements it says copy of contract, but I have never requested a copy of any contract, and they did not reference that when I reached out, just copy pasted a late fee text.

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a few accounts on my 3 major reports that i didn't acquire. I also have inquiries I didn't authorize as well. I've tried to have these items removed and still no changes. I'm trying to move to another state and purchase a car and this has greatly impacted my ability to do that based on my credit score.

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have new and updated information on case number XXXX with Experian Information XXXX regarding my credit file. 

I just received notice that Experian has completed their investigation regarding the following credit accounts : XXXX XXXX They deemed the information on my credit file to be 'accurate '. Which is false. I have already requested debt validation from both XXXX and XXXX, of which BOTH parties have yet to provide me with the document sIve requested to verify the alleged debts in the given time frame of ten days since receiving my requested letter via certified mail. Since both furnishers have been unable to provide sufficient proof to ME that their furnishing of my report is verified and valid, Experian has no means to prove the investigation of the validity of these accounts are lawful or correct.

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, I sent dispute letters to Equifax, XXXX and XXXX as my credit report included erroneous information about my date of birth, legal name and current address. I mailed the dispute letters and supporting documentation on XX/XX/XXXX and the reporting agencies should have received the letters by XX/XX/XXXX. Since I did not hear back from the Credit Reporting Agencies after 2 months, I checked annualcreditreports.com on XX/XX/XXXX and I was able to obtain credit reports from XXXX and XXXX which made the corrections requested. 

I was unable to get the credit report from Equifax. I called the Equifax Customer Care phone number and I was not able to move forward with my request as I could not talk to a representative. Then I called Equifax XXXX XXXX XXXX and they requested a new dispute letter ( second dispute letter ) and also a copy of my Social Security Card ( front and back ) and Driver 's License, which I mailed on XX/XX/XXXX. I received a credit report from Equifax with date XX/XX/XXXX, which still contained the wrong date of birth, more specifically year of birth and they used my maiden name for the name on file. 

I have been trying to resolve this issue as I am trying to buy a home and my credit history/report must be available to mortgage loan providers. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 a few accounts on my 3 major reports that i didn't acquire. I also have inquiries I didn't authorize as well. I've tried to have these items removed and still no changes. I'm trying to move to another state and purchase a car and this has greatly impacted my ability to do that based on my credit score.

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 2022-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I have an XXXX account with Optum XXXX. On XX/XX/2021 I went to Optum website to pay my doctor bill. So, I created distribution from my account to my doctor. Optum deducted requested amount ( {$130.00} ) from my account but my doctor never received this money. Now after 4 months doctor office is sending me to the collection agency. In meantime I called a few times my XXXX bank to resolve this case and my bank is unable to provide me with any proof of payment. They can not find the check cashed by the doctor. They even don't know check number issued to the doctor. They also don't want to return this money back to my account. I got multiple promises to get some solution and nothing happened. Seems like they just play for time. Each time they are assigning different case number. After a few days I am receiving email with info that case is closed. My last, still open case number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 was victim of identity theft a year ago and i file a FTC report ( in the attachment ). The fraudulent account is XXXX and was opened in XX/XX/2021 in XXXX, Texas and I NEVER BEEN TO XXXX. I file a FTC report and i also wrote a letter to the consumer report agencies but it was never removed and they has not replied to me and frankly they are ignoring me BECAUSE IT IS BEEN MORE THAN 30 DAYS. 
Also my name and address were modified in my credit report and i need the consumer reporting agencies to DELETE that fraudulent account ( XXXX ) immediately and fix my name and remove the XXXX, Texas address found on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 have a few accounts on my XXXX major reports that i didn't acquire. I also have inquiries I didn't authorize as well. I've tried to have these items removed and still no changes. I'm trying to move to another state and purchase a car and this has greatly impacted my ability to do that based on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters on XX/XX/22 and have not received a reply.

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 2022-03-16 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: TX

Complaint narrative:
I sent letters on XX/XX/22 and have not received a reply.

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 2022-03-16 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: TX

Complaint narrative:
I sent letters on XX/XX/22 and have not received a reply.

Company response to consumer: Closed with explanation