vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: NY

Complaint narrative:
I have 2 accounts on my credit that were " purchased by another Lender '' XXXX  XXXX XXXX XXXX XXXX CLOSED XXXX/XXXX XXXX XXXX CLOSED However, Experian has been reporting this inaccurate account on my credit report and they are the only bureau that is reporting these erroneous items on 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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2020, XXXX/XXXX XXXX XXXX showed up on my credit report and I did NOT apply for any credit cards through them. I called three ( 3 ) times, and all representatives were extremely disrespectful and refused to help me. Even the manager hung up the phone and told me I had the wrong number, when the number I called is listed on their website. I believe there is fraudulent activity taking place with this company, and I spoke with TransUnion at XXXX XXXX today and was told that XXXX has to issue me a letter of deletion. The XXXX number is 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 2020-01-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On our about XX/XX/XXXX, I received a letter From XXXX XXXX XXXX Account Number XXXX, Vehicle - XXXX XXXX XXXX, VIN # XXXX, CFPB Complaint No : XXXX, stating that XXXX XXXX XXXX & XXXX XXXX were unaware of any pending lawsuit. ( see attach ). 
As of now, XXXX XXXX and XXXX XXXX XXXX is reporting the above account as a charge off with XXXX balance. Records indicate that XXXX XXXX paid off the Vehicle in Full and paid off all repossession charges. Therefore the record on the credit bureaus should show paid off in full, since the car was never taken to auction or sold publicly, but that part of XXXX Agreement was to pay off the vehicle repossession fees and free me of any liability concerning this vehicle. 

The second problem was that XXXX XXXX/XXXX XXXX XXXX claim they were not aware of any lawsuit that I had brought against the company, concerning the above vehicle which only goes to show that XXXX XXXX/XXXX XXXX XXXX did not do thorough investigation before submitting there response to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On our about XX/XX/XXXX, I received a letter From XXXX XXXX XXXX Account Number XXXX, Vehicle - XXXX XXXX XXXX, VIN # XXXX, CFPB Complaint No : XXXX, stating that XXXX XXXX XXXX & XXXX XXXX were unaware of any pending lawsuit. ( see attach ). 
As of now, XXXX XXXX and XXXX XXXX XXXX is reporting the above account as a charge off with XXXX balance. Records indicate that XXXX XXXX paid off the Vehicle in Full and paid off all repossession charges. Therefore the record on the credit bureaus should show paid off in full, since the car was never taken to auction or sold publicly, but that part of XXXX Agreement was to pay off the vehicle repossession fees and free me of any liability concerning this vehicle. 

The second problem was that XXXX XXXX/XXXX XXXX XXXX claim they were not aware of any lawsuit that I had brought against the company, concerning the above vehicle which only goes to show that XXXX XXXX/XXXX XXXX XXXX did not do thorough investigation before submitting there response to CFPB.

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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
Security credit services took debt from XXXX XXXX, an insitute I was making regular payments to. They never reported my payments and never notified me of a transfer of debt collector. Nothing was ever sent written in mail just showed up on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
During the last six months, two automated payments scheduled from my account at a third-party bank were returned. These payments were intended for Carrington Mortgage Services , LLC . and were returned due to nonsufficient funds ( NSF ). I resolved the first immediately. The second was created by issues with the third party bank. Upon attempting to resolve the second returned payment, without disputing its occurrence or associated fee, Carrington has informed me that I must pay using only means that have an additional cost to me. The options are certified funds and for-fee money transferring businesses. Carrington is not responsible for the issues that occurred. However, the corporation 's malfeasance in its actions and its negligence per se have caused me harm and undue financial hardship. Under GA Rule 80-11-6-.02, Mortgage Servicing Standards, any person who services a closed-end mortgage loan ( " servicer '' ) shall act with reasonable skill, care, and diligence. Furthermore, fees shall not be charged to arrange repayment or facilitate routine borrower collections. By forcing me to utilize limited, fee-based options, I assert that Carrington Mortgage Services has failed in its responsibilities under the law and acted without reasonable care and diligence in my attempts to resolve a debt. Lastly, Carrington Customer Services representatives sought to restrict my access to claims resolution by engaging in misleading business practices such as withholding information and access to solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Back in XX/XX/XXXX I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX finance refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Specialized Loan Servicing will not remove my PMI. My loan balance went under 78 % of the apprised value at the time of the loan in XXXX of XXXX. They have since charged me twice ( XXXX and XXXX ) for the PMI. I have been given the runaround on repeated phone calls to them. The last call was on XXXX XX/XX/XXXX and I was told the PMI was " up to the investor ''. I believe this conflicts with the Homeowner Protection Act.

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 2020-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
I have previously reported this company ( GC Services ) for calling my number to collect debt not ever owed by me. If you review my complaints, you will see GC Services reported previously. They put numbers in some type of abeyance, then add them to there database again. 
These crooks have not respect for the law and choose to keep perpetuating fraud by harassing innocent consumers. I want to bring legal action against them so they might understand not to call me anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: OH

Complaint narrative:
I have been XXXX XXXX and returned home to find out my card had been used I immediately contacted my card company and filed a card dispute waited the 10 business days as told to receive a provisional credit only to find out on the 10th business day my claim had been denied I asked what else can I do to get my money back I was told by the customer service representative to do a new card dispute and include my XXXX XXXX paperwork stating that I was not in the country at the time of the transactions I called to check and see if the card company received the new dispute only to be told they will not open try to do anything else to get my refund I was also speaking to a very ignorant representative who refused to give her name or put a manager on the phone she also hung up in my face her employee id is XXXX if she didn't give me the wrong information I have attached all of the forms I sent to my card company along with time receipts for when I filed both disputes as I was asked all I am asking is for what's rightfully mines that I worked hard for thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been repeatedly harassed with repeated phone calls from this debt collection agency, I tell them to stop calling me but they continue to do so. I even set up a payment arrangement with them when My financial outlook was improved. I called them to stop the payments because I lost an extra source of income about two weeks ago. They continued to take money out of my account. I cancelled my debit card associated with the automatic payment arrangement and they continue to call and harass me. I have recorded phone conversations with them. particularly the one where I told them to cease my payments due to my inability to pay. I am a XXXX XXXX. I only receive {$820.00} per month from SSDI. I am extremely low income, yet these people do not care and continue to harass me and call me. i blocked their phone number, and then got another call from an " anonymous '' caller, which tuned out to be portfolio recovery services again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's not my inquiries, i never applied for this 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 non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I need help with getting my Annual credit report. I need them from all three companies : Tran union XXXX. XXXX XXXX. Please. The questions that was ask I answer then correctly .And my address has not 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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: UT

Complaint narrative:
XXXX XXXX XXXX, ERC, XXXX XXXX XXXX   please follow the law. Attached is now the 5th police report signed an authorized by the XXXX XXXX XXXX police department. I have filed and submitted 2 XXXX FTC notarized affidavit with no resolution from XXXX to remove the reporting. Since you are verifying debts that are due to fraud which is a violation under law. Here is the police report uploaded outlining the fraudulent accounts and information. Immediate deletion from my credit reports would be appreciated. I have done everything instructed from the police department yet Im having to go through hoops with debt collectors and creditors and credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's not my inquiries, i never applied for this 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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's not my inquiries, i never applied for this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: AR

Complaint narrative:
XXXX XXXX  XXXX IS STILL REPORTING AFTER THE S.O.L..EXPIRED AS WELL AS RE-INSERTED BACK ONTO XXXX  2012 AND XXXX 14 TIMES. SEE  LETTER FROM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I have been getting charged XXXX every month for XXXX XXXX I dont know what that is and I never agreed to those fees.

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I called a plumber to do work on my kitchen sink. He quoted me a price of {$75.00} and hour, He was at my house for about and hour and a half, He charged me {$300.00}. He told me that he was a licensed plumber and I found out later that he wasn't. I contacted Consumer Protection and they told me that he can not bill me at all in the State of CT if he is not licensed, it is against the law. He didn't fix the problem and I hired someone else which cost me {$170.00}. The credit card company as a courtesy only gave me back {$150.00}. I sent proof to the credit card company of the laws in CT and that this person is not licensed and they gave the money to the merchant. This is dead wrong. Consumer Protection said  that I should be refunded the full amount. 
It is no different than a doctor doing surgery and billing you and he is not licensed and has no right to do surgery or bill you. The credit card company should have taken my side completely. It is Citibank Mastercard. The state told me that this is a fraudulent charge because this merchant is not a licensed plumber and can not touch someone's pipes, never mind charge a person. The credit card company handled this terribly.

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 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I received a letter in XX/XX/2019 that a flood map changed and I was required to obtain flood insurance or the company would force place. I did immediately obtain flood insurance. As I looked in to the matter more I found that the condominium is NOT in a flood zone, the garage that is a separate building, attached to many other garages is in a flood zone. I spoke on the phone to the escrow dept to somehow come to an agreement about possibly lowering the amount necessary that I needed to carry so that I only had to pay for coverage for the garage. The condominium is on the 3rd floor of the building and again, not in a flood zone according to FEMA. I  sent in a complaint letter again, requesting Mr. Cooper review the issue and lower the amount needed for the flood policy or possibly waiving the flood requirement. I received a letter with the same answer that I was receiving from the escrow dept. I then sent the person who sent the answer to my complaint an e-mail on XX/XX/2019 requesting a copy of the notification Mr. Cooper received from FEMA. If that notification has a PIN number on it, it will be the PIN of the garage. The condominium itself has its own PIN number. I was hoping this would help Mr. Cooper see my complaint more clearly. The person has not answered my e-mail or sent me the information that I requested. I sent a second e-mail on XX/XX/2019. I am willing to compromise and make sure the garage has the flood insurance based on its value but I find it ridiculous that I have to carry coverage of {$140000.00} ( my loan balance ) for a garage that is only worth {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Back in XX/XX/2019I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX XXXX  refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late  payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.

Company response to consumer: Closed with explanation