vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 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: DE

Complaint narrative:
I have problem with my credit score with Equifax and XXXX. First of all, on XX/XX/2021 I checked my credit with XXXX XXXX website that provide vantage score result, my score dropped 62 points. When I look on what's change in the credit report, it's no major reason that will make my score drop like that. Then, on XX/XX/XXXX, my credit score in XXXX was dropped 74 points with no any major reason. I tried to figure it out about that and I remember that I tried to dispute some errors in my credit report with Equifax and XXXX earlier before my score drop. Both companies finished the dispute and update on my credit report that every errors were corrected and no change anything in my report and then a week or so, they decide to drop my credit score by no any explanation at all. I tried to dispute about this issue with them, but they don't have any options that I can submit this dispute or errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a dispute regarding a debt that I do not recognize to National Credit Systems. Is an apartment complex, and when I left, everything was paid and no past due balances were left. By XX/XX/XXXX the collection agency didn't respond to my previous letter but still sent a bill trying to collect the money, on the same day I send a second letter by certified mail letting them know that they were in violation. As of today XX/XX/XXXX, the collection agency has not responded to me. 

In addition, I never got my right to dispute the debt by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WVH, LLC
State: UT

Complaint narrative:
Paid debt off in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
I am victim of identity theft. The first initial identity theft happened back in XXXX of XXXX. I have filed multiple police reports first one will be XX/XX/XXXX, and XXXX of XXXX. I have not authorized any account to be open. I have took all necessary steps including placing a freeze on my credit file so that my credit file can not be open without my permission.

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 2021-07-22 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: NC

Complaint narrative:
I have reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
XX/XX/XXXX I spoke with a representative from ERC regarding an alleged XXXX balance of {$1400.00}. When the packet was received I called and informed ERC the information shared was fraudulent. The signature provided within the documentation was not my signature and I did not make the purchase on the date indicated in the XXXX documentation. ERC informed me that they would follow up and send me information on how to dispute the fraudulent information. As of XX/XX/XXXX I have not received that information to dispute this information. I filed another complaint with XXXX and

FTC due to the negligence in the reporting of this debt without proper verification that this debt is valid. Upon receipt of the documentation it was confirmed that this debt is in fact fraudulent and should not be reported on my credit history. Please see the attached signature page sent to me by ERC. This is NOT my signature and should be be able to validate this debt as ERC has continued to pursue from me. Please note that ERC is not the original creditor and they are not the 1st collections
this debt has been sold to. ERC refuses to provide the information as to where/who they bought this debt from. This would show that the timeframe as reported by ERC is inaccurate and that despite all else they do not have the right to continue to pursue me for this debt.
I am also filing a complaint in the manner of how this debt continues to negatively impact my credit when it is sold to another collection agency. ERC incorrectly reports this debt as being 3 years old and that is not valid. I first began disputing this XXXX account on my credit history in XX/XX/XXXX. During that time I was denied the opportunity to receive a copy of the final bill and contract showing my signature where I had made the purchases totaling the amount referenced on my credit report. I filed disputes with all 3 credit bureaus. XXXX informed me in XXXX that they are unable to provide any assistance as the account has been closed. This account has affected my credit due to ERC not providing me with the requested documentation to dispute this account on fraudulent terms. This account should not continue to be reflected on my credit history due to inaccurate account closure/opening date, as this account has been sold to several different collection agencies over the past 6 years. Each new collection agency then reports the account as " new '' and that new report negatively impacts for credit as though the account was new and recently placed into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 120 days late in XXXX XXXX 90 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XX/XX/2018 Prior to when they began reporting me late I paid off the account in full. A few months later I checked my credit report and saw they were reporting me late. I contacted Comenity Bank to resolve this issue and they told me they could not locate my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX my LTV ratio fell below 78 %. 

Per the Homeowners Protection Act of XX/XX/XXXX, loan servicers are required to cancel PMI automatically when LTV falls to 78 %. 

However, my lender is continuing to charge me monthly PMI. 

I spoke with the lender over the phone the week of XX/XX/XXXX to confirm PMI would automatically be cancelled and was told they would put in a request. 

I spoke to them again the week of XX/XX/XXXX and was told the request was being help up by " the bank ''. They said they would put in a rush request. 

I spoke to them a third time today, XX/XX/XXXX, and was told an appraisal would be required to drop the PMI. They confirmed my LTV is 77.1 %. 

The Homeowners Protection Act of XX/XX/XXXXis clear about PMI being automatically dropped at/below 78 %, but my lender is requiring an appraisal to do so. This does not seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I have filed complaints with you from XX/XX/XXXX # XXXX to the present XXXX, XXXX, XXXX, ( letter dated XXXX XXXX which was provided to you by lender. Lender perjured themselves for over 10 years in escrow overcharge, which they finally admitted XX/XX/XXXX letter in above claims that they only paid XXXX for escrow, penalty XXXX not the XXXX they lied about for 10 years We were overcharged XXXX for escrow in our XXXX modification which has accrued interest on for over 10 years.they credited payment of XXXX 3 years later, but they did not adjust the overcharges on our modification. Also they did not credit to us the XXXX in fees ever back to us or off the mod. Cost, They did not service us for 14 months from XX/XX/XXXX until XX/XX/XXXX which accrued over XXXX in late fees, they violated every act possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: DE

Complaint narrative:
I have problem with my credit score with XXXX and TransUnion. First of all, on XX/XX/2021 I checked my credit with XXXX XXXX website that provide vantage score result, my score dropped 62 points. When I look on what's change in the credit report, it's no major reason that will make my score drop like that. Then, on XX/XX/XXXX, my credit score in TransUnion was dropped 74 points with no any major reason. I tried to figure it out about that and I remember that I tried to dispute some errors in my credit report with XXXX and TransUnion earlier before my score drop. Both companies finished the dispute and update on my credit report that every errors were corrected and no change anything in my report and then a week or so, they decide to drop my credit score by no any explanation at all. I tried to dispute about this issue with them, but they don't have any options that I can submit this dispute or errors.

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 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I currently have a first mortgage with Quicken loans. I have started the process of refinancing with another mortgage broker. The refinance company called Quicken loans for a payoff statement and gave out my personal information like social security number, date of birth etc, to Quicken loans and charged {$25.00} dollars on my mortgage at Quicken Loans for the payoff statement.Yes, another company thought it was ok to act in my behalf without my knowledge and charge my account for {$25.00} Another third party should not be allowed to call any of my personal credit accounts, including my mortgage holder and be allowed to approve a charge to my account. The name of the refinance company is XXXX. I have tried to call Quicken to get them to remove the {$25.00} dollars from my account as I did not authorize anyone to call and add any amount of money to my account balance. No charges should be allowed to happen this way. Whats next, because they have pulled my credit information, are they going to be allowed to call a credit card company I hold and charge money to those accounts. I should be able to send Quicken a bill for the hundreds of phone calls and emails I get from them trying to get me to refinance with them. This company still calls even after I told them to remove me from their call lists. It's {$25.00} I know, but I did not authorize it. If they can get away with this, than any amount they can charge. 
Please help me resolve this. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. 

XXXXXXXX XXXX XXXXXXXX Account ID : XXXX The account is invalid and unverifiable. I demand that it be deleted from my credit report. 
If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit Reporting Act. Obviously, this incorrect account information can not be verified so therefore is absolutely must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain financing.I already was denied by applying for a lease .That happened 3 times in a last 60 days already and I am financially hurt.

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 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In early XXXX I received in the mail a Chase Freedom Unlimited credit card in my name indicating my card was ready for activation. Problem is I never applied for said card and immediately had my suspicions that it had been fraudulently applied for. I never activated it and have kept it in my possession until I learned more about why it was sent to me. 

Today I called the Chase Customer Service number ( XXXX ) to find out what was going on. ( I got this number from one of frequent emails I have received from Chase in the past week or so. ) After being bounced around on automated phone mail, I finally spoke to an agent who wanted to know my password (! ) and my mother 's maiden name (! ) so she could access my account. I explained I did NOT have an account and never applied for one. She passed me on to a supervisor who again asked for private information I was not willing to share. She passed me on to a third person who explained that someone else may have applied for the card in my name and that they possessed enough of my personal information for Chase to issue the card. He said he would cancel the card and inform the proper credit authorities. That's where things stand at present. 

I thought I should report this experience to someone to find out if this is a current scam going around and to warn others about what I had experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Investigation took more than 30 days
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I filed a dispute with XXXX XXXX and XXXX  in regards to the incorrect items on my credit report. It has been well over 30 days and I have not recieved any investigation results. This is the second time I have had this issue with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I filed a dispute with XXXX XXXX and XXXX  in regards to the incorrect items on my credit report. It has been well over 30 days and I have not recieved any investigation results. This is the second time I have had this issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them! Please review your records regarding this account, as we have established your bureaus propensity for reporting inaccuracies and remove this item. Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion has the wrong home address on my credit report. I've sent several request to update the information. It has been past 45 days and I have yet to hear back from TransUnion.

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 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My service lender has been over charging me for lender forced escrow insurance payments since close of escrow. I have called and spoke to the representative but issue wasn't resolved. I called back and spoke to a supervisor and I requested a full audit on my loan, and no records were provided. I have uploaded my insurance declaration policy fully paid onto my account. The lender acknowledged receipt and I received 2 letters that states they are removing the escow insurance, but they still continue to over charge me for insurance..they have caused so much anxiety and stress for me as it's taking so much of my time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: NC

Complaint narrative:
I have reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-22 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: NC

Complaint narrative:
I have reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation