vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 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:
A XXXX XXXX account is being reported on my credit file on both Equifax and XXXX reports and XXXX has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that Equifax is using to validate my information as reported by XXXX. 

I've disputed it with Equifax, XXXX and XXXX, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by Equifax stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, XXXX, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
MY MORTGAGE KEEPS GIVING ME THE RUN AROUND ABOUT REMOVING MY ESCROW ACCOUNT. THEY KEEP LYING AND GIVING ME DIFFERENT REASONS. I HAVE SEND MULTIPLE LETTERS, CALLS AND I KEEP GETTING NO HONEST ANSWER. I HAVE ALSO CONNECTED WITH XXXX XXXX AND XXXX XXXX HAS SAID I DO QUALIFY TO GET MY ESCROW ACCOUNT REMOVED. I HAVE ATTACHED THE LAST LETTER I SENT THEM. I GREATLY APPRECIATE YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-07-30 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
On XX/XX/2018 my husband received a call from our Mortgage Company trying to talk us into refinance our loan. My husband stated he did not want to refinance the loan said no, the loan officer was told to speak with me, the wife. After hearing what the loan officer had to say, if we are interested we will call you. We didn't call him. Th loan officer toke it upon himself to begin the refinance process and mail a loan packet to us.

He had already insulted us. We have the right to refuse a re financing of our mortgage.

A credit application was sent to us with a new loan number and paper work to sign. my husband credit was ran without his permission, the loan application process was started without permission. 
We faxed a cease and stop letter, on Friday XX/XX/2018 after the loan officer called back Friday morning. My husband stated he was not interested and he continue to try and presuade him into a loan harassing him to agree to somethings on the phone. My husband refused and hung up the phone. The loan officer then called my phone. I was unable to answer because I was at work. my husband called me and informed me of the call. I wrote the letter and faxed it to the mortgage company on Friday.

Today we revived the loan application packet, with a new loan application, and disclosure. We didn't ask for any of this. The loan officer used Bullying, harassing, and trying to presuade us into a new loan despite we didn't want it. he could not understand why anyone wouldn't take advantage of such a great opportunity. Why would you like to continue paying a higher rate? It makes no sense.

I don't like the implications, the insults, and don't like the fact he tried to force this refinancing on us. It is not right to harass someone because you want to get your numbers up. In addition mortgage companies should not pre-screen loan holders and harass them for their personal gain. if you send out a letter stating individuals can refinance or contact the mortgage if one 's choose to contact you one can. If one doesn't contact you, then they want your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Over the past three years there is a XXXX account that keeps popping up on our ( my spouse and mine ) credit report. After providing documentation it is removed to come back on in six to nine months. We are never alerted to the account getting ready to report, which per the FCRA we should receive a notice within five days of the account to be posted to our reports. Once this account is removed from one report, the status changes on the other bureaus ( changes from Joint to Individual or the last reported date changes but the account number stays the same ) and we have watched this happen not only on this account but on several of the others. This account has been sold three times to other " collection companies '' that are actually part of the same company and still reporting the same account - this is per the XXXX Legal Department who has helped me with this issue.

After consulting with the three Credit Bureaus ( over 15 calls placed to them over the last four days ) we were told the following : 1. We could resubmit the information ( this is after I faxed, emailed and regular mailed the information ) and the bureaus would get back with me.

2. Regardless of the laws passed in the FCRA, I am not able to submit to the three bureaus any account that I have that isn't being reported if that company is not a paid member of any of the bureaus - see the Town of XXXX, XXXX docs below 3. I may submit, in writing, a statement to be added to my report but it will be screened and up to the bureaus to add it to my report and will be removed after 30 days ( it will take approximately 90 days to approve it ).

4. If there is a disputed item, the company has 90 days to review the claim and XXXX will handle the claim, not the company.

5. If it is found that I am in the right, then the credit bureaus have 90 days to remove the account in question.

I have received screen shots, emails and documents from some of the companies that have requested that their accounts be removed or updated on our reports and the bureaus have not completed the requests, or the scores are not updated when the items are updated. Our scores fluctuate around 20 to 60 points per month because of all of this. Since the Credit Bureaus have control over everything dealing with our day to day life, dealing with these bureaus has become quite the experience. We have spoken to people from XXXX ( call centers ) to supposed supervisors to specialty departments with very little solution to our issues. Please help!

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 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NM

Complaint narrative:
On XX/XX/2018, I called XXXX XXXX XXXX, to inquire how much I need to pay to get rid of PMI, the customer service rep, said {$1700.00}. I made an online payment for {$1700.00} to principle and fax over the PMI request form for removal of PMI, the same day. The lady did not state I needed to have anything else for PMI removal.

I then received a call from an appraiser to schedule an appraisal of my home. I called Round Point and asked how much was the appraisal and all they could tell me was between $ 300- {$600.00}. I then told her I was at 80 % so I should not need one. 

On XX/XX/2018 I called again to XXXX ID-XXXX and she stated PMI would be removed, if I paid {$1200.00} then my principal would drop below 78 % and it would be removed. That same day I made another online principal payment for {$1200.00} On XX/XX/2018 I sent an email to Round Point, to request dropping my PMI because now I am at 77 %, but never heard back. I also asked for my extra payments that I paid for PMI be applied to principal, and nothing has happened. 

I have made numerous phone calls, sent email for request removal. 
I have an excellent payment history, have never been late. 
My payments are current and I am at less than 78 % of principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
A collection account from Debt recovery solution have been added to my XXXX   reoprt for a {$130.00} medical bill. I have insurance and the bill was paid in full by them and should not have a balance due. I have disputed with them at least 3 times and they have not removed. I did ask them to validate my debt and they provided me a bill showing that it was paid in full as stated by the insurance company. I am attaching that document with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX the office of McCarthy McCarthy Burgess & Wolff contacted my mother on her personal cell phone about a " purported debt '' I owed. She asked them to quit call. They knew it was my elderly mother 's phone when they called. They had no reason to call that number were not given the number by me. She immediately stated the name of her company, which intentionally sounds like a law firm trying to make my mother think I was being sued. When my mother asked if she was a law firm she said, NO a debt collector. She is not suppose to be talking to my mother about debt collection. 

This is their tactic to embarrass me regarding the debt and harass my mother. They need to be punished to the fullest level that the law allows.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: NY

Complaint narrative:
I am a victim of identity theft, i have reported to the police, I have items on my XXXX and Equifax reports that are fraud I notified those reporting bureaus numerous times with copies of the credit report circling the fraudulent accounts, accompied by the police report a copy of FCRA 605B,  my identification, social security number, and address proof, however these companies XXXX and Equifax refuse to remove said fraudulent items after numerous attempts to do so according to the law. Because of there negligence I have been denied credit and jobs over the past six months. I want these accounts on my credit reports immediately as they are fraud and these 2 companies were notified and refuse to abide by the laws set forth by the FCRA. the accounts are on my report are ; All fraudulent accounts- XXXX XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$31000.00} XXXX - {$5900.00} XXXX XXXX - {$19000.00} XXXX XXXX XXXX - {$9800.00} and Inquiries are on account that are fraudulent, XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 ALL ABOVE ITEMS BOTH EQUIFAX AND XXXX REFUSE TO REMOVE FROM MY REPORT AFTER NUMEROUS REQUESTS AND SIGNED ADVIDAVITS TO DO SO AS I WAS INSTRUCTED BY THE FCRA ACCORDING TO SECTION 605B ( WITHIN 4 BUSINES DAYS ALLOTTED BY LAW. 

I DEMAND THAT THE FOREMENTION FRAUDULENT ITEMS BE REMOVED IMMEDIATELY BY XXXX AND QUIFAX CREDIT BUREAUS IMMEDIATELY AS I WILL BE FORCED TO TAKE LEGAL ACTION IF THEY ARE NOT REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have lost my job and my cosigner is retired and they will not work with us on payments, but I asked them to cease and desist calls my cosigner advised they keep calling. I also need a lower payment so that I do not mess up my credit while I am actively looking for a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
I recently checked MY Credit report on XX/XX/2018, and I noticed an account was in collection for XXXX a medical debt. with no collection company or original company, I had to call into XXXX to find out who was reporting me. they had told me XXXX XXXX XXXX was the owner of the debt and the original company is XXXX XXXX XXXX. I have yet received any contact from XXXX XXXX XXXX which makes them unprofessionally. I want to know Why my medical information is being sold to a 3rd part debut collector in which they have violated my personal rights under the HIPPA Act. Do I want to know if this Collection company is legally able to collect in my state of California? 

I also want to know who your insurance company and policy number to further pursue legal action against your company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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:
A XXXX XXXX account is being reported on my credit file on both XXXX and TransUnion reports and XXXX has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that XXXX  is using to validate my information as reported by XXXX. 

I've disputed it with XXXX, TransUnion and XXXX, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by XXXX stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, XXXX, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.

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 2018-07-30 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: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
A XXXX XXXX account is being reported on my credit file on both XXXX  and XXXX  reports and XXXX  has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that XXXX is using to validate my information as reported by Pinnacle.

I've disputed it with XXXX, XXXX and Pinnacle, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by XXXX stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, Pinnacle, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 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: CORELOGIC INC
State: TX

Complaint narrative:
credcoor XXXX XXXX inaccurate information to credit company or broker

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