vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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: Flagstar Bank, N.A.
State: NY

Complaint narrative:
Flagstar reported that I was 90 Days delinquent in Mortgage Payment. 
The loan for XXXX XXXX  XXXX  XXXX  was initially taken out XXXX XXXX Loan # XXXX and my mailing address at the time was XXXX XXXX  XXXX XXXX, XXXX, NY XXXX. I had automatic payment set-up for the mortgage payment from my bank acct. for XXXX. We moved away to our new address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX and the mortgage was sold from XXXX to XXXX ( Loan # XXXX ) last year XX/XX/2020. In the interim all notices went to my old address and was not aware of the mortgage transfer. By the time I became aware 3Mo. payment lapsed. When I became aware, I paid off the balance in a Lump Sum amount and brought the Flagstar Acct current. We request that the negative credit reporting from Flagstar be expunged and retracted. We are available to further discuss this and may be contacted on my cell # XXXX. I would like to thank you for your favorable consideration of this request as our records prove that never before missed a payment on our previous payments and loan XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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:
There are numerous items listed on my credit report that are erroneous and inaccurate. This is having a serious negative impact on my overall credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
There are numerous items listed on my credit report that are erroneous and inaccurate. This is having a serious negative impact on my overall credit worthiness.

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 2021-05-06 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.

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 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mid-America Accounts Control Bureau, Inc.
State: MO

Complaint narrative:
A collector named XXXX XXXX has contacted me during the hours I sleep for work after asking her not to. I work night shift. She has also contacted my husband 2-3 times at his place of employment. I have asked her to stop and so has he. She however continues with phonecalls and does not identify herself when calling and will not leave a message.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... GENESIS CRDT ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted information to experian that this account with XXXX XXXX  was cancelled and no balance is due. I submitted a 1099c. Experian updated my account as a charge off and its now reporting as a new charge off for XXXX and XXXX. This debt has been canclled since 2016 and should not still be reporting as a chargeoff. I called experian and the rep advised me that XXXX never advised them the acct was cancelled. I have spoken to XXXX and they confirmed that the account is cancelled and they dont know where experian is gathering the information.

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 2021-05-06 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was looking at my credit report and looking at the hard inquiry that I was not familiar with. 

I called each and every company that I did not authorize no one to look at my credit report but no one has me on their report at all. I tried to disputed with the credit bureaus for months and only XXXX  removed it. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX Car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
IOn XX/XX/2021 a charge was made againt my XXXX XXXX  card ( CashApp mobilie app ) following which time I contacted support on the mobile app. There is never anyone available by voice on the phone nor by live chat ; only by XXXX  email ... days later which emails can not be verified. XXXX XXXX  refuses to address the unauthorized charge issue, refuses to investigate the issue, and even worse has very poor security mechanisms in place to properly secure my assets and prevent fraud. The security failures are so gross such as to suggest XXXX XXXX  is complicit in the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three Credit Bureaus XXXX, Trans Union, and XXXX  are 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. They are also violation my right to privacy under 15 US Code 1681 Section ( a ) ( 4 ).

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNTS THAT ARE ON THE AFFAVADIT THAT I WILL ATTACH.

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 2021-05-06 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: CT

Complaint narrative:
We took advantage of XXXX XXXXXXXX XXXX  XXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XXXX  to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CT

Complaint narrative:
We took advantage of XXXX XXXX XXXX  XXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called Equifax to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CT

Complaint narrative:
We took advantage of XXXX XXXX XXXX XXXXXXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XXXX  to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
I was contacted more than a year after I visited XXXX, XXXX by Cedars Business Services,, a debt collector out of XXXX, CA. I was informed that I had committed a traffic infraction and that I owed {$440.00}. I received no citation or knowingly committed any traffic infraction while in XXXX. 

Cedars Business Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX, is File # XXXX, Creditor : XXXX XXXX  XXXX, Creditor Account # XXXX, Principal : {$440.00}. Phone # XXXX. 

My grandfather, XXXX XXXX was with me in the rent car that is at the center of this scheme. Since he was present during rent car event, he is assisting me to resolve this problem. 

It appears that there are license plate readers that pick up the plates from the rent cars throughout the city. The license numbers are bounced around the city for a year or so picking up additional fines and fees. 

The city is then provided the driver 's identity by the rent car company and the case is turned over to Cedars Business Services. Cedars Business Services places a hit on the persons credit records and then attempts to collect the bogus debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
A family member send me XXXX on XX/XX/2021 instant transfer its still now available in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Someone from " XXXX XXXX XXXX  '' called and threatened that I was being taken to court on XX/XX/2021, by Chase Manhattan bank over an attempt to defraud the company to get money through false identity. The operator that answered the phone answered " corporate offices '' would not give me the name of the company. Phone number XXXX. 

I have never done business with Chase Manhattan Bank. SCAM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I received a letter on XX/XX/XXXX from a collection agency named TransWorld XXXX XXXX the letter stated I owe them {$240.00} for a medical bill and it listed the medical facility name. I did use that medical facility in mid XXXX for an emergency. I am a 100 % XXXX  XXXX military vet. I have XXXX different types of medical insurance that I provide every medical facility and all my bills are 100 % paid. So I was shocked to received this letter from this unknown collection agency. I have called and spoke to the medical facility billing department 4 times since receiving this letter trying to extort {$240.00} from me. The medical facility billing department and the doctor billing department does not have any balances owed in my name. They double and tripled checked their records on every call. I have no balance with anyone. I don't owe anyone. They even asked for the fraudulent collection agency name that is trying to extort {$240.00} out of me. They have never heard of this company. So why is this fraudulent collection agency sending me a letter for an account that doesn't exist and trying to extort {$240.00} from me? The original creditor listed on the letter.. has told me on 4 separate occasions I have a {$0.00} balance with them because my XXXX different medical insurances paid my bill in full, like they do for every medical bill I get. I want this fraudulent collection agency TransWorld Systems Inc to be held accountable for their fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I signed with PHH Mortgage Services to re-finance my VA mortgage in XX/XX/XXXX for a 2.5 % interest rate, PHH failed to complete actions to ensure the re-finance rate lock would expire. Once the rate lock expired PHH practiced a bait and switch tactic to lock me into 3.25 % interest rate, the same interest rate as my current mortgage loan. 

Throughout the 6 month re-finance process I was assured we would be closing with a week or two multiple times between XXXX and XX/XX/XXXX and was informed 4 days prior to the rate expiration there was still a month worth of closing actions PHH still needed to complete. 

PHH told me I needed to re-apply for the re-finance at a 3.75 % ( half a percentage above my current mortgage ), but their manager would lower the rate to 2.5 % after I re-applied. After I signed in good faith at 3.75 %, they told me they could only honor 3.25 %. 

I then realized this was a bait and switch tactic where PHH willfully expired the re-finance interest rate lock to perform an unfair predatory lending tactic. Members of the PHH team I was working with even nullified each reason why PHH stated they were unable to close with in the required time. Upon submitting a formal complaint to the PHH Research Department ( who confirmed they received the fax on XXXX XX/XX/XXXX XXXX no response was received with in the allotted 10 business days.

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 2021-05-06 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: PA

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