vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've tried to have this fraudulent account removed from my credit report. I have no knowledge of ever having a credit card with this company.

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 2019-05-01 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has made my credit report unavailable to lenders and creditors. They are not able to pull my report, see my file or generate a credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Once again Equifax has erroneously dropped my credit score without good reason. My credit score should be going up not down. Response from CFPB are never clearly stated and easy to understand. Thats why I have to keep resubmitting complaints. Equifax has been a perpetual problem for the last year having my credit score drop when it should be going up..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: Skopos Financial, LLC
State: DC

Complaint narrative:
I purchased a new car and traded in the one that I had with Skopos Financial LLC. in XXXX and the car I had with them ( the loan ) was paid off in full. Unfortunately is is being reported on my report as closed and not paid in full and I have asked them repeatedly to correct and to date they have refused to do so. I have the letter confirming it was paid in full and not closed and want them to update my report accordingly and the letter indicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
this company has 3 different accounts open with name from the same company opened in my credit history from XX/XX/2013. These debts had been taken care of by medicaid at the time. i tried calling and emailing them to try to fix the issue however they do not reply to my emails, even if i try to settle for a lower price they simply do not answer. It has been a nonstop battle with these people. 

they say i allegedly owe them the three different accounts are {$680.00}, {$680.00} and one for {$960.00}. 

I dont know what to do, i want to remove this from my credit report however they are impossible to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been reaching out to my mortgage servicer BMO Harris Bank since XX/XX/XXXX asking what they have for for my XXXX and I am being ignored. 

I have called them 3 times and was told by customer service I would be called back and I've heard nothing. I emailed them ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( see attached ), asking for this information and I've heard nothing back. My escrow payment increased again in XXXX and I called with questions and received a call back on both occasions, but no one has called or has been able to answer any questions in regards to this inquiry. I am being completely ignored. 

Last year when I reached out to them they wanted me to pay for a full appraisal but I'm just inquiring as to what they have in their records. I should not have to pay out of my own pocket for information they are required to track, unless I disagree with their assessment. 

My understanding is they are required to drop my PMI once I am at 80 % LTV. I bought my home in XXXX for {$200000.00}, refinanced in XXXX and have never had a late payment. My current loan amount is {$140000.00}. I believe I am well below 80 % LTV but without knowing what they have my LTV at, I can't confirm. 

I do not believe they are tracking this information for me or for any of their customers and I believe the bank is taking advantage of someone who is in good standing to offset the customers that are not.

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 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The bluebird closed my account, but my money still in it. will not allow my to access my fund and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivable Solutions, Inc.
State: NY

Complaint narrative:
I initially filed case # XXXX - which was sent by your company cfpb to XXXX XXXX XXXX and still awaiting a response. 
To me as the customer the attempts to imtimitate me continues. 
I am in receipts of attempts to collect monies for services amounts that have been resolved by XXXX XXXX XXXX The current company is XXXX XXXX XXXX , XXXX - XXXX XXXX XXXX, XXXX, NY XXXX as that Legal To date with each and every phone call I am unable to get any amounts that are actually owed for services rendered to me at various departments at XXXX XXXX XXXX. or even documentation that the matters have been resolved I made several attemps to speak to someone in charge and was left with promises, hang ups orThey I will return my phone calls at their convenience. 
This is been absorbing my average Day to Day activities in a very negative way- I am now in full bloom panic attacks and it is scary as an older adult. 
Additionally unfoturnately no-one wants to give me a total amount or even attempt to help me negotiate a monthly amount - that works with a very limited budget I am still getting threathing message on my mobile pone - not good and so scary for a senior ctizen

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
There is a medical debt on my credit report, with the collection agency being noted as XXXX XXXX, with the debtor being noted as XXXX XXXX XXXX. It is noted that this account was opened on XX/XX/XXXX in the amount of {$980.00}. 

I was not even living in Pennsylvania in XX/XX/XXXX, I was living in XXXX for the first few months of XX/XX/XXXX then moved to XXXX in XX/XX/XXXX. There is absolutely no way this debt is mine. Furthermore, I have never been to XXXX XXXX XXXX nor have I ever received a bill from XXXX XXXX XXXX. 

I submitted a complaint with XXXX  and they did not remove this from my report. They stated that the debtor validated this debt, even though I told XXXX when I submitted the complaint that I have never been to this hospital. 

XXXX did a terrible job of investigating this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Convergent Outsourcing has reported to the credit bureaus that I owe them money. I have written and asked for validation and still have not received anything proving that the debt is mine. They also have pulled my credit report several times without my permission or knowledge. I never authorized for my report to be pulled, nor do I owe them any money and they will not provide proof.

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 2019-05-01 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: NJ

Complaint narrative:
My Credit Union reported 2 of my accounts as late for XX/XX/2019, however the information was incorrect and they have since corrected the information with XXXX but Trans Union & XXXX has not been corrected. According to the Credit Union they do not report to Trans Union & XXXX, however the 2 accounts show as delinquent with both reporting agencies.

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 2019-05-01 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
My ex husband and I purchased a vehicle that was originally financed through XXXX XXXX XXXX in XXXX of XXXX - the loan on the vehicle was sold to SANTANDER CONSUMER USA in XXXX of XXXX. Our loan was paid on-time with no late payments for the duration of the loan and shows as such with both companies on my credit report. 

On XX/XX/XXXX of XXXX the vehicle was in an auto accident that resulted in the car being totaled out by our insurance company. The vehicle was deemed a total loss by the insurance company on XX/XX/XXXX. 

The insurance company, XXXX issued a payment to SANTANDER CONSUMER USA for in the amount of {$1900.00} on XX/XX/XXXX. Which covered the balance owed on the vehicle - the remaining {$8700.00} of the value of the vehicle was paid to us, which was used to purchase a new vehicle. 

SANTANDER CONSUMER USA reports this account on my credit report as being 30 days past due in XXXX of XXXX, 60 days late in XXXX of XXXX and 90 days late in XXXX of XXXX - long after they had received final payments from the insurance company for the balance on the loan in XXXX of XXXX. 

I have tried disputing this with all of the credit bureaus. SANTANDER CONSUMER USA refuses to fix this error and remove the erroneous late payment marks off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I had a bill with XXXX. It was sent to collections and i paid the bill in full to comast. It cleared through my bank. It was reported on my credit report by 2 different collection agencies for 2 different amounts. I disputed them both and one was removed. However, the collection agency, covergent outsourcing Inc, will not correct the issue. I disputed it through all credit reporting agencies providing proof of it being paid and with convergent outsourcing several times. The dispute just keep coming back as the information being accurate. So then I requested verification of the debt. Convergent outsourcing sent me the original bill from years ago saying it was valid as of XX/XX/XXXX. This is incorrect because I paid it to XXXX. Sending a copy of the original last bill from years ago isnt proof of the amount owed as of current. I have tried several steps the get this corrected and they will not update or remove it from my credit report, even though when I paid XXXX they told me it would be removed from my credit 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 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are two settlements from XXXX XXXX XXXX since XXXX and XXXX that are still showing on my Equifax credit report. They reported this in XXXX ( 7-8 years later ). 

I would like to have these removed. I applied for a loan with my bank and they denied me. 

XXXX XXXX XXXX amount paid {$650.00} ( account was closed in XXXX ) XXXX XXXX XXXX XXXX paid {$1300.00} ( account was closed in XXXX ) the scheduled payments were {$110.00} and {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I m making a complaint against my mortgage company. I feel theyre giving me the run around with my mortgage. I had a case against them that was settled out of court. I signed the last papers of my settlement agreement XX/XX/XXXX. I set up an online account. They acknowledged the account and welcomed me. I had a few questions about certain items that didnt seem right. I was locked out of the account and told I had to talk with my attorney because the case was still in litigation. I did and shortly received a email from him. The email was between him and the mortgage company attorney stating the litigation hold was off the case and they could talk with me. I m sending you a copy of the email. I talked with them until around XX/XX/XXXX because I didnt get true answers. They would tell me something would be done in 10 days call back. I would and get the same answer call back in 10 days so I stopped calling until XX/XX/XXXXof this year. I I called to see if I had a XXXX XXXX tax statement coming. They said they had mailed them on XX/XX/XXXX. I didnt get it so I asked If they could email it to me they said they mailed it to my attorney. I called him, he said he didnt receive anything because he had moved and had a new address. I called the mortgage company back and they said they couldnt talk with me because my account was still in litigation to call my attorney. Ive talked with him and he said he would talk with them. I have been back and forth between the attorney and the mortgage company since XX/XX/XXXX. The mortgage company said he needs to get in touch with them. He said he tried to call their attorney and finally he said to call him on XX/XX/XXXX at XXXX to do a conference call. I called XXXX no answer, left messages no call back. I called one last time the next week still no response. 
I m also sending you a copy of the escrow statement I received from the mortgage company. Up to receiving that statement I have received nothing from the mortgage company. The escrow statement and a check for over paid escrow payments for property taxes amounted to {$190.00}. They had been charging me over {$2200.00} too much for property taxes. They acknowledged it on the escrow statement. What I dont understand is how a {$2200.00} over paid equal to {$190.00}. Even if the hazard insurance went up {$340.00} it still doesnt add up to {$190.00}. Im sending you a copy of the statement. There are more things I not saying because I signed not to disclose the terms of settlement agreement. I have faithfully paid what they asked me to pay although I felt it was the wrong amount. I feel cheated and taken advantage of. 
The mortgage company is Mr. Cooper previously Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: MI

Complaint narrative:
The accounts were open inXX/XX/2014. The amounts are - {$620.00} - {$670.00} - {$350.00} I've send them complaint letters directly. I have also explained to them that these accounts/debits are not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc.
State: OH

Complaint narrative:
Apparently I have a student loan over 33 years old that was supposed to be disposed of due to the school in question XXXX XXXX XXXX in XXXX Ohio. I attended for 2 weeks. The school was supposed to return the loan, I myself never received any funds. A few years later the school goes out of business and is sued for it's practices. I never heard anything else about the matter. Every few years I would be contacted by the US Dept of Ed attempting to collect. I would speak to someone and nothing would come of it. Here recently I have a debt collection company that is threatening garnishment if I do not respond in a timely matter. I have and sent the correspondence by certified mail with a change of address. I do not live at the address stated, but they continue to send time sensitive material to this address. They are trying to force a default judgement and I need to know what is my recourse. I have requested a hearing from the US Dept of Ed I do not have any information from 33 years ago showing what I stated was true. But they should have knowledge of this action taken against this school. I will not volunteer any financial information to the collection agency in good faith due to their actions so far and reading complaints from the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: NJ

Complaint narrative:
My Credit Union reported 2 of my accounts as late for XX/XX/2019, however the information was incorrect and they have since corrected the information with XXXX but XXXX XXXX XXXX Equifax has not been corrected. According to the Credit Union they do not report to XXXX XXXX & Equifax, however the 2 accounts show as delinquent with both reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI

Complaint narrative:
The company should have closed the account as request in XX/XX/2018 after the {$5700.00} payment. This was because the authorized purchaser on the account, XXXX XXXX, was in a nursing home, her card was missing and because of that I did not want any more charges on the account. 

This situation was explained when I closed the other accounts with HSBC as well. 

Instead the company allowed charges and let interest accrue then charged late fees and more interest. 


I have tried to settle this matter several times with HSBC and each time, they provide misleading information and refuse to acknowledge receiving the notification I detail above. Yet, in XX/XX/2018, they contacted me to tell me of suspicious charges, which I confirmed and again asked why the account was still open. 

Currently they are doing this with a debit card on a checking account with XXXX XXXX as a co-owner that I have asked them to shut down several times and they have ignored my request. I have asked them to cancel that debit card, just as I asked them to close this master card account and my requests get ignored and then HSBC refuses to do anything to correct the situation and the now useless CFPB will not do anything so I was advised by the House Government XXXX XXXX XXXX to continue filing until CFPB starts doing its job and banks start complying so I am filing again and hopefully either the CFPB will do its job or the House will make them do their job. Each of these complaints with nonsense responses goes to the House XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
We had flood damage on XX/XX/2019. A claim was made with our insurance company and a settlement check was sent to Ditech, our mortgage company at the end of XXXX. Ditech has not re-issued the check to us for the damages. We have made numerous calls to them, and, get a different story every time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2019 I attempted to obtain my Free Annual Credit Report from Equifax via the website XXXX. As in years past when attempting this action, Equifax refuses to comply ( despite successfully proving my identity through their questions ) and states that I must send sensitive data through the mail and wait for them to send me my report. No wonder they got hacked. 

On the same day as noted above I contacted Equifax via their telephone number XXXX and requested help. The operator then successfully verified my identity and then stated I would have to request my report by mail. When I asked for her name she stated it was XXXX and she was operator number XXXX. When I asked whether she worked directly for Equifax she stated she did and when I asked where she was located she said the XXXX. An overseas operator handling extremely sensitive credit information? Not very safe. 

I want my free annual credit report that I am legally entitled to by law and I would like it within one week. I would also like a written apology from Equifax. The law doesn't state that I have to send in pay stubs, a driver license or any other information via an unsecured method in order to obtain said report. I am seriously considering filing a lawsuit myself and am also requesting that the Federal Government fine and/or sanction them for failure to follow the law in good faith. 

What really makes this painful is knowing that I could walk into any car dealership, give them some basic information and they could get a credit report from Equifax in a matter of minutes if not seconds. 

Please get me my free annual credit report and fine and/or sanction them. For far too long they have gotten away with the harrassment of millions of US Citizens.

Company response to consumer: Closed with non-monetary relief