vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax refuses to address a problem with accessing our credit report that only they can fix. We worked with five different difficult-to-understand agents, supervisors, and managers over a period of three long hours and none of them were willing to do anything but execute the same old script which required us to answer a number of computer-generated questions that our answers did not satisfy. A number of those questions were based on the content of our credit report. I believe the failed answers were actually due to incorrect content in the report, not our personal information. That is evidenced by a number of online attempts which presented a number of content questions that were obviously not from our account because none of them matched any of our mortgage or credit items. Not only did they carelessly allow hackers to steal our data a couple of years ago, they are now corrupting our report so badly that we can't even access it. They claim they are trying to protect our identity, and are requesting we submit additional information to prove our identity before they can allow us to access our account. But, why should we because they have already proven themselves to be untrustworthy and unresponsive? Besides, all a banker needs is our name and SS numbers to access our report, and we have already given them far more than that -- and it's our information! How long are we to put up with Equifax 's careless and incompetent handling of important and sensitive information? By the way, our credit reports with XXXX and XXXX are fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
HELLO AS THEY ARE TREATED TO SOLVE THIS PROBLEM WITH MY BANK BANK REGION THEY ARE IN THE PROCESS OF CLOSING MY ACCOUNT ONLY BECAUSE I RECEIVED A CHECK AS I PAYED IT AND DEPOSITED IT IN MY BANK ACCOUNT BUT THE CHECK RETURNED BECAUSE I DID NOT HAVE FUNDS I DID NOT KNOW WHAT HAD PAID ME WITH A CHECK WITHOUT FUNDS NOW MY BANK SAYS THAT I'M TRYING TO MAKE A FRAUD AND IT IS NOT ALREADY I HAVE SEVERAL YEARS WITH THIS BANK ACCOUNT HERE IS WHERE I RECEIVE THE MONEY THAT DEPOSITS SOCIAL SECURITY FOR MY XXXX SON XXXX XXXX THIS ACCOUNT TO RECEIVE MY MONEY .... I NEVER TRIED TO MAKE FRAUD AND I HAVE TIME HERE AND NEVER HAVE THAT INTENTION THANK YOU ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAFD BANK
State: FL

Complaint narrative:
We have tried to get Washington Federal to stop all calls to our home and cell phones. We are in the process of getting our finances in order, and request a full cease and desist other that written communications only.

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 2019-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
My acct was past due. I tried to pay online but pennymac disables that option when I fell behind. I took money out of my 401k and called for the amount to bring current and was told they couldnt tell me and wouldnt accept payment. I then sent almost {$10000.00} from my bank directly by the due date on the most recent statemebt I had and they applied it but added what they refer to as other fees. The next month the bill had the {$1500.00} payment and almost a thousand dollars in fees. I paid that and 2 days later more other fees were added. I was told this was due to forclosure but I was never in forclosure. They said they were attorney fees but refused to send me statement showing that or to even confirm that these fees would stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have wired through one of Chase branches in XXXX XXXX, the exact Reinstatement Amount of {$43000.00} to JPMorgan Chase Bank In order to remove/withdraw their wrongful foreclosure proceedings on my residential property.

However, the Chase Executive Ms. XXXX XXXX, and it's trustee, XXXX XXXX XXXX XXXX are not honoring even their own rules and regulations, she wants the Total Payoff of {$100000.00} now in order to remove their wrongful foreclosure proceedings with Sales Date of XX/XX/2019 at XXXX XXXX on my family resident.

She knows I can not prepare XXXX in such a short time. That's why I asked for minimum reinstatement amount to avoid foreclosure without resorting to Chapter XXXX- bankruptcy filing.

I appreciate you assistant in bringing JPMorgan Chase and it's foreclosure trustee, XXXX XXXX XXXX XXXX. " Quality '' to their senses, and stop harassing my family with their fraudulent default claim as explained in my previous complaint about them on XX/XX/XXXX.

My previous complaint ID is. XXXX, submitted XX/XX/2019. Product : Mortgage Issue wrongful foreclosure.

Thank you, XXXX XXXX Tell : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have contacted Equifax several times via phone, online and first class mailings on many ocassions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax, several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax credit reporting will not allow me to submit a dispute for negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: WA

Complaint narrative:
This Company, FBCS repeatedly calls Me. I do not owe any Debt and have told them. They continue to repeatedly call. Have received no written information about any alledged debt by 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 2019-04-23 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: CA

Complaint narrative:
XXXX XXXX/ XXXX XXXX unable to verify. They requested I reach out to Experian.

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I paid this debt directly with XXXX back in XXXX or XXXX. I accepted a settlement offer from them and legally paid in full for less than due. The account has been reporting as closed " legally paid in full for less than balance due '' on my credit report since XX/XX/XXXX. I have attached snapshots of my report below, showing it being reported as closed & paid. On XX/XX/XXXX I receive an alert from XXXX that a new collection is being reported under my name. I log on to XXXX to view the account, and see it is being reported as a collection account under XXXX XXXX XXXX for the original amount {$2900.00}, which has already been settled with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I am currently in foreclosure with a selling date of about 3 weeks from todays date. I have been requesting assistance and multiple modifications from my lender who has been making it very difficult. From the beginning of the default I have provided all the documents requested multiple times, and have been denied several times. Causing our mortgage late payments and fees to become unobtainable and impossible to catch up. We still have not given up and have tried everything possible and requested assistance right away but have been unsuccessful. This has also caused a strain on the relationship and a divorce is currently pending, causing a deeper hardship. 

We have tried to refinance our loan but due to the foreclosure prematurely on our credit report and late payments it has caused banks and other services to look the other way. Currently our home is showing as sold in XX/XX/2019 as a Foreclosure this is false advertising and has caused realtors and attorneys to obtain our personal information and allowed soliciting at our homes front door. 

We have reached out to a home save company who turned out to be predatory lender who took payments from us and we later found out they had not contacted our servicer at all. 

We have filed bankruptcy chapter XXXX last year in XXXX, the case was dismissed in XXXX due to the escalation of the arrears payments, We could not afford both. Since then the foreclosure has been sped up after the dismissal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
We got a bill from Freedom Mortgage stating we owed way more than our normal payments because they said that we owned 3 properties and our taxes were suppose to be XXXX per year and we had to pay a XXXX house payment to catch them up. We called and emailed them proof that our taxes were only XXXX per year and they made a mistake. They supposedly fixed the mistake, but come to find out they havent because we sent XX/XX/XXXX mortgage payment and they put it to the owed taxes and escrow instead of our house payment and in turn sent a bill stating we were late on XX/XX/XXXX house payment with a late fee on top of that. We paid our house payment on time and they messed up and they mess up all of the time. This needs to be fixed and we should not owe a late fee and they better not tell the credit bureaus that our mortgage was late, because it wasnt. 
Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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 contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I have opened an account with sprint in XX/XX/XXXX and never had made the payments.it then went into to collections ( convergent Outsorsing ) and I had paid that off XX/XX/XXXX. I have recently discovered an error on this account and would like it to be removed as soon as possible. The account number is XXXX. 

The account number is wrong and does not show the full number of this account, their for this is an error and would like this to be removed from my credit report as soon as possible, Under the Fair Credit Reporting Act. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: GA

Complaint narrative:
I want you to please get rid of this information as soon as possible, I am not related to Chapter XXXX Bankruptcy XXXX and notify me when you do this so I can go ahead and apply for the things I have to apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: NV

Complaint narrative:
I am a Victim of Identity Theft On XX/XX/XXXX i have sent a Certified letter to Experian requesting them to block fraudlent accounts from my Credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

In the letter i included Copy of my Drivers License Copy of my Social Security Card Copy of current utility bill Copy of FTC Identitiy theft report Copy of my credit report ( identifing the fraudlent accounts )  Statement that the information for said accounts are not related to me and are result of identity theft. 

As of today XX/XX/XXXX the fraudlent accounts are not being blocked from my credit report. 

I am attaching the copy of paperwork that was sent to experian in my letter along with the copy of certified mail reciept from usps

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation.

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MN

Complaint narrative:
Never set up accounts with XXXX. In fact never had a XXXX ever in my life. False fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
This account was not originally disputed, but it is no longer valid. It has been paid in full since XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.

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 2019-04-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
This account was not originally disputed, but it is no longer valid. It has been paid in full since XX/XX/XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has  been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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:
I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation.

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 2019-04-23 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: NCC Business Services, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX have made several attempts with NCC Business services to have a collection account removed from my credit report. They total me the original creditor has to request it removed. In doing my investigation the original co XXXX XXXX never reported to the credit bureau or NCC. The issue is that the account was for an apartment and the account was then added or another person to the account for they were the actual resident. The judgement on XX/XX/2016 made by the judge was granted against the other party and not me. I have sent this company several request asking for them to remove this from my credit report. I even sent them the court disposition, I am getting no assistance in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX - reporting inaccurate information and has been of no help. 
NCC Business Services XXXX, Fl -not doing an indebt investigation - regardless of having the court disposition

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have contacted Transunion several times via phone, online and first class mailings on many occasions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Transunion several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}

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 2019-04-23 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: GA

Complaint narrative:
I want you to please get rid of this information as soon as possible, I am not related to XXXX XXXX XXXX XXXX and notify me when you do this so I can go ahead and apply for the things I have to apply for.

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 2019-04-23 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: GA

Complaint narrative:
I want you to please get rid of this information as soon as possible, I am not related to Chapter XXXX Bankruptcy XXXX and notify me when you do this so I can go ahead and apply for the things I have to apply for.

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