vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I received a judgement of wage garnishment and was never notified of it now Im out XXXX dollars as head of the household and only provider that greatly Impacts my ability to care for my family snd I was never notified of a date when this would begin. I want the garnishments stopped as I am unable to provide stable living for my wife and daughter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
XXXX XXXX should not be reporting late to Equifax ; XXXX  and XXXX  on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX phone bill that have been reporting since XX/XX/XXXX to credit report Experian. I have dispute this account with Experian and ask them to provide information on how the verifying the information. I called XXXX and they have no information of this account and why its reporting. I suppose to close on my home now this account is reporting as a charge off for XX/XX/XXXX. The account was originally charge off in XX/XX/XXXX according to old credit reports.

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 2021-02-02 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: TX

Complaint narrative:
XXXX XXXX should not be reporting late to XXXX ; XXXX  and Transunion on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.

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 2021-02-02 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: TX

Complaint narrative:
XXXX XXXX should not be reporting late to XXXX  ; Experian and XXXX  on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.

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 2021-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MS

Complaint narrative:
Several times my husband and I have asked this company add me to the account so things can be discussed with myself as they left me off original paperwork. Last year we had issues with the servicing company paying the wrong property taxes from our escrow account. ( XXXX ) After many emails, calls, and faxes later they finally paid them late. 2 weeks of fighting & proving the correct plat # due to their clerical error. 
All the while we were being told our property could go up for auction. I only figured this out when applying for homestead exemption. 
Then our payments went up as I'm sure they passed along the late payment to us due to their mistake. 
This year they say they sent payment for homeowners insurance XX/XX/XXXX. ( It was due XX/XX/XXXX ) As of XX/XX/XXXX payment has not been received. Sit on hold for 30+ minutes to be told by reps we should call back tomorrow. You get no straight answers and nobody is accountable. As the rep told my husband last night " unfortunetely '' we have no choice in who services our loan. 
These people don't care as it's not them who's being affected. 
XXXX XXXX is used by Lake View. Find a company who's going to service loans correctly.

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 2021-02-02 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: LA

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, LA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated above. Thirty days should be enough for you conclude this procedure. The law also requires you to send me a notification that the items stated above have been deleted and corrected. 

REMOVE ANY ACCOUNTS AND INQUIRIES NOT ATTACHED TO MY LEGAL NAME AND ADDRESS AS PER LAW

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 2021-02-02 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: LA

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, LA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated above. Thirty days should be enough for you conclude this procedure. The law also requires you to send me a notification that the items stated above have been deleted and corrected. 

REMOVE ANY ACCOUNTS AND INQUIRIES NOT ATTACHED TO MY LEGAL NAME AND ADDRESS AS PER LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hello, I currently bank with citizens bank. My name is XXXX XXXX, from XXXX, NY. my checking account at citizens was overdrafted and was put at a negative number. I was in the process of transferring funds to the account so it would be back to {$0.00}, but they put the account under review. that was a week ago, and they won't give me any of my money or tell me what's going on. I have so many bills to pay and need my account to be unlocked!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: GA

Complaint narrative:
I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports ( XXXX, Transunion and XXXX, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.

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 2021-02-02 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: GA

Complaint narrative:
I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports ( XXXX, XXXX and Equifax, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: GA

Complaint narrative:
I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports (  Experian, XXXX  and XXXX, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.

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 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have victim of fraud from these company XXXX XXXX  # XXXX .... 
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANK OF AMERICA # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I refinanced my mortgage and the company CMG Mortgage bought my loan. I received a welcome letter telling me that my payment amount was {$2100.00} and given a PO box to send it to. I sent that payment via XXXX XXXX bill pay on XX/XX/XXXX. I checked back in with CMG on XX/XX/XXXX to make sure that they received my payment as I did not want to be late with my first payment and that it was at the end of the grace period. They told me they had not received that payment. I made a payment over the phone then so that I would not have a late payment on my account. I was told by the CSR rep that CMG would investigate and get back to me that never happened. I sent CMG an email asking for confirmation. 

I had not received another mortgage payment bill or email response by the end of the week of XX/XX/XXXX so I called CMG back. I talked to another CSR who read through the notes on my account, and gave me a PO Box to send the payment to. I did a test to see if it worked and it did. I was then advised by the CSR that I should use their online portal as the CMG email account was hacked and they were not responding to direct emails. A fact that the first CSR failed to tell me. I have sent multiple requests through this on line portal. I always receive a message telling me that they have received my message. I was also told that I would need to provide proof that the money was deposited into a CMG account.

I contacted CMG on the week of XX/XX/XXXX trying to get the issue resolved before XXXX. At this time I was advised by the CSR that I would need to escalate my issue, and that she was unable to get a hold of them on the weekends. She told me I would receive a call back within XXXX hours during the work week. I never received that call. 

I called back the week of XX/XX/XXXX with a person from my bank on the phone. I was told that I could not be given the information in the transmittal record because it contained the routing and bank account numbers for CMG. I was placed on hold while the banker worked with the CSR. When they returned to the line they confirmed that the information was accurate and that they would start to process the claim. The banker also sent them a fax and got a confirmation that the fax was received by CMG. 

I had heard nothing back from CMG and reached out them again the week of XX/XX/XXXX and asked for an escalation representative. That rep read the comments in my file and confirmed that they had in fact received the fax. She told me the CSR who entered the ticket for the claim coded it to the incorrect code. She then proceeded to enter the claim under the correct code. I was told that I would receive a call from them in 48 hours. I have heard nothing back. I was also told that the process could take up to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
Experian is reporting accounts in collection that are fraud and do not belong to me. They are reporting a XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  ( 2 ), XXXX  XXXX XXXX XXXX ( 2 ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, these are all fraud and not my accounts and need to be DELETED/REMOVED

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018 my bill did not go through BANK OF AMERICA - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Atlanta Check Cashers, Inc
State: GA

Complaint narrative:
Company refused to cash stimulus check because it was signed.

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 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: GA

Complaint narrative:
My loan servicer has failed to pay the city taxes on my home, which were due XX/XX/XXXX. I contacted the company through several phone calls, 3 emails, and 3 secure messages to fix the issue starting XX/XX/XXXX. I supplied the company with my loan documents from closing, city, and tax-delinquent statements through the company 's approved email address of XXXX. The issue has not been resolved to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX is reporting my HELOC loan incorrectly as if it were open and an active revolving credit account. It is actually closed and in the repayment phase. I have a letter from Chase confirming that it is in fact closed and not active and in a repayment phase. XXXX and XXXX  are both reporting this accurately but XXXX continues to report it incorrectly as an open revolving credit line. 
It originally had a XXXX limit which was never used fully but when the 10 year term expired There was a total of XXXX spent. This is the figure that Ive been paying back as a 2nd mortgage, not the limit of an active revolving credit account which is what XXXX is currently reporting. It completely throws off my credit utilization amount and needs to be reported correctly as a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NC

Complaint narrative:
I have over 13 hard inquires on my credit report with Equifax that are not linked to any open accounts I have. I have sent in a dispute letter that they received on XX/XX/2021 via certified mail as well as a phone call on XX/XX/XXXX at XXXX XXXX EST but they have not removed them. I have also requested the signed agreement for the negative accounts listed on my report but they have failed to provide that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. AMERICAN EXPRESS XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the AMERICAN EXPRESS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Midland credit management had this account since XXXX but they are reporting to my credit that the account just opened in XXXX which is false! They never served me we never went to court and they just closed it the account on another credit report. I want this account closed and removed!

Company response to consumer: Closed with explanation