vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Management Recovery Corp. (NMRC)
State: KS

Complaint narrative:
A collection ageny continues to call my phone to reach my husband, XXXX XXXX. 
I have called them back several times and asked what company they are with and they told me that they are XXXX XXXX XXXX, a freelance company. 
I explained to them that my husband is in the hospital due to a XXXX XXXX and is unable to communicate at this time. 
They told me that the debt is owed to XXXX XXXX and in the amount of {$3000.00}. 
I let them know that I would have to verify the debt with my husband ( I currently communicate with him on a dry erase board, I explained this to them as well ). 
After I told them this, the lady I was speaking to named XXXX XXXX told me that was OK and she would make a note on the account and they would possibly have hardship options available. 
I received 2 more calls and voicemails the following day threatening legal action and that they had a locate placed on my husband. 
I called them back and explained to them that I just spoke to someone the previous day regarding the debt and wanted to find out about getting on a payment arrangement since I am the only one working at this time. 
I let them know that I could pay {$85.00} per month on the balance until paid in full.. 
The gentleman I was talking to put me on hold so he could reach out to his " finance manager '' and he came back to the line and said that will not be an acceptable amount and refused to set me up on a pay arrangement after I asked twice. 
I told him I was going to explore other options since they are refusing payment and I let him know I would be disconnecting the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Delmarva Collections, Inc.
State: UT

Complaint narrative:
Delmarva Collections : XXXX XXXX XXXX This is account is past the statute of limitations in MD and has expired. It is still being reported on my credit report. I am well aware of my right under the FDCPA & my state laws governing the amount of time that collections are allowed to report on my credit file. This time has past and this needs to be removed. I was also unaware of this debt period as I have never received any correspondence or notifications from this company stating that I owed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NY

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
NewRez LLC took over my mortgage with the first payment being due on XXXX XXXX 2020. I made a XXXX payment on XXXX XXXX 2020 and a XXXX payment on XX/XX/2020 which is more than my payment. They applied both those payments to principal only and not to the XX/XX/XXXX payment. I have called 6 times and spoke to 6 different people who have sworn up and down that they have escalated the complaint and it would be fixed in 48-72 hours. I have been calling since XXXX XXXX 2020 and it still has not been taken care of. As of Monday XXXX XXXX 2020 it is going to indicate that my XXXX payment is late and they will charge late fees. Then XXXX XXXX 2020 they will report my mortgage as 30 days late which it is not. I paid in advance and I can not get them to correct this problem.

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 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
About a year ago I refinanced my single family home and the mortgage ended up with New Rez/Shellpoint -- XXXXmy house appraised at $ XXXX and my current loan balance is {$200000.00} which puts it at a 79.99 % LTV -- -Per XXXX XXXX  guidelines I initiated a PMI removal request. I received a denial letter that stated -- '' Although its been 2 years since your mortgage loan closed '' they can not remove my PMI. " Because your property 's value has not increased, your property 's LTV ( Loan to Value ) ratio has not decreased to 70 % or less-which is what's required to cancel PMI on a XXXX backed loan as a result of home improvements or property-value increases ''. This is just false information they are submitting to their clients. I have supporting documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: IL

Complaint narrative:
I disputed the referenced account, XXXX XXXX, on XX/XX/XXXX. The credit report of XX/XX/XXXX XXXX Report # XXXX XXXX showed this item was deleted from my credit file. A subsequent credit report of XX/XX/XXXX XXXX Report # XXXX ) and credit report of XX/XX/XXXX XXXX Report # XXXX ) continued to show this item deleted from my credit file. Now this item has been reinserted on my credit report in violation of the FCRA. 

Additionally, I previously notified Experian and XXXX XXXX XXXX XXXX that I am a victim of identity theft, and requested that they do the following : 1 )  Remove any charges on the unauthorized account, and 2 ) Take steps to remove information about this account from my Experian credit files. I still have not received written confirmation of these actions. 

As I stated in previous communication with Experian before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX. I did not open or authorize this account, and I demand immediate steps to remove this information completely from my Experian credit report and file.

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 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

XXXX {$1200.00} XXXX {$140.00} XXXX {$82.00} XXXX {$27000.00} XXXX {$420.00} XXXX {$2100.00} XXXX {$14000.00}

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 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company reported collections fees on my credit report when the debt doesnt even belong to me. Never received anything in the mail about me owning the company. I also look them up on Texas bond website. This company doesnt even have a active license in the state of Texas to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} COLLECTIONS XXXX {$82.00} XXXX  XXXX {$220.00} XXXX XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$82.00} XXXX  XXXX {$220.00} XXXX XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

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 2020-06-12 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: DC

Complaint narrative:
I received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one thirty day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX ( letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it ( XXXX  XXXX XXXX ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.

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 2020-06-12 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: DC

Complaint narrative:
I received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one thirty day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX ( letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it ( XXXX  XXXX XXXX ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX   Transunion & XXXX 

I didnt hear back so I sent a demand to comply with investigation on XXXX/XXXX/2020 Today is XXXX/XXXX/2020 and I still havent heard back from these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
Early in XXXX I received a notification from XXXX XXXX   asking if I had closed a account with XXXX  XXXX, I had not. They filed for bankruptcy and they are having to close most of their stores. I disputed it and after " resolution '' I am still down XXXX points on my credit score from this, which took me from a good standing to a mediocre XXXX. I have now been in contact with XXXX XXXX the past few days and they are giving me the run around. On their website it shows no where that my account is closed and would still let me change my credit limit on it if I wanted to. They could not verify that my account was closed or why it would be closed or literally tell me anything. Each time a different no name person responds with answers that do not answer anything. I asked them why my account was closed and inquired as to why I never received anything in the mail, any notification on their website in their notification center, or received anything to my email ( which they are still currently sending me emails for their huge sales on clothes they are trying to get rid of ). When i opened this card it never had to be continuously used, I did not have a outstanding balance, I never payed late, I never had a single negative mark on that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
Early in XXXX I received a notification from XXXX XXXX   asking if I had closed a account with XXXX XXXXXXXX, I had not. They filed for bankruptcy and they are having to close most of their stores. I disputed it and after " resolution '' I am still down XXXX points on my credit score from this, which took me from a good standing to a mediocre XXXX. I have now been in contact with XXXX XXXX the past few days and they are giving me the run around. On their website it shows no where that my account is closed and would still let me change my credit limit on it if I wanted to. They could not verify that my account was closed or why it would be closed or literally tell me anything. Each time a different no name person responds with answers that do not answer anything. I asked them why my account was closed and inquired as to why I never received anything in the mail, any notification on their website in their notification center, or received anything to my email ( which they are still currently sending me emails for their huge sales on clothes they are trying to get rid of ). When i opened this card it never had to be continuously used, I did not have a outstanding balance, I never payed late, I never had a single negative mark on that account.

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 2020-06-12 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: MS

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$750.00} XXXX XXXX   XXXX XXXX {$15000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
About a month ago I went to Chase Bank located in XXXX Kansas I was asked to present XXXX forms of ID in order for them to call a number so that they can release the funds that were owed to me that were being held in their holds suspension Department I call today XX/XX/XXXX and ask about the check that I was supposed to receive they have told me that I will have to go all the way up to the bank again represent XXXX forms of ID again in order for them to release the check that should have been done weeks ago I would like something done about this I would like for them to pay me double for the XXXX months I've had to wait and I would like the teller who helped me I don't know his name but I will recognize his face I would like him fired

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from my report.

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 2020-06-12 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: FL

Complaint narrative:
These are misinformation that you guys keep on reporting to my credit report. I am tired and sick of it. I've contact you guys multiple times about the same issue and no change.

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 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

XXXX {$1200.00} XXXX {$140.00} XXXX {$82.00} XXXX {$27000.00} XXXX {$420.00} XXXX {$2100.00} XXXX {$14000.00}

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 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

XXXX {$1200.00} XXXX {$140.00} XXXX {$82.00} XXXX {$27000.00} XXXX {$420.00} XXXX {$2100.00} XXXX {$14000.00}

Company response to consumer: Closed with explanation