vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 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: OH

Complaint narrative:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 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: Penn Credit Corporation
State: FL

Complaint narrative:
I checked my credit report and saw an account from XXXX XXXX for {$650.00}, original creditor is City of XXXX XXXX. XXXX XXXX reviewed and investigated the complaint. Someone named XXXX XXXX replied and I sent him an email at XXXX. I paid the original creditor and expect this account to be deleted from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a legal XXXX XXXX. After residing outside the U.S. for over 17 years I returned permanently in XX/XX/XXXX. I attempted to purchase a phone with my name and social security on credit and my brothers credit took a hit. I attempted again to obtain a XXXX  XXXX store card and again my brother took a hit and I was again declined. XXXX XXXX wrote me on XX/XX/XXXX and informed they were unable to confirm my identity. The provided links to the 3 agencies and I contacted them all. Through XXXX XXXX I was finally able to confirm my XXXX XXXX soft hit and a zero credit rating with XXXX XXXX. I contacted Equifax and XXXX  by phone and via fax provided copies of valid drivers license and social security card. Equifax replied by mail on XX/XX/XXXX and stated they were unable to locate a credit file for me because of 3 reasons that all applied : quote - You may not have a current file - You have not applied for credit recently - You have not actively used credit in the past 10 years. I took this to mean as in the other two agencies, I had a zero credit rating upon which I could start to build. However, on XX/XX/XXXX I received a letter from XXXX XXXX in response to my attempt to open a checking account online to facilitate direct deposit of my salary stating I was declined specifically in response to an Equifax credit score dated XX/XX/XXXX of XXXX, Contradicting Equifaxs correspondence of XX/XX/XXXX. Obviously they are still reporting my brothers information and preventing me from opening a bank account, obtaining and building credit and ultimately being able to facilitate my employers requiring a method of direct deposit forcing costly alternatives such as check cashing services. I am appealing for your assistance as legal services are equally costly and time consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: UT

Complaint narrative:
I contacted SCA Collections concerning this debt. They sent a letter dated XX/XX/2019. They sent me copies of records from the original creditors. These records were placed in my name, unbeknownst to me, for pathology services for someone else. The address listed was the address of my ex-wife, XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX. The listing is in my name but I never received these services. I'm looking into this as identity theft from what I assume is my ex-wife to whose address this was listed. I do not know the health professional listed, XXXX XXXX, either. This needs to be investigated as my information was most likely used fraudulently. The total for this bill is {$110.00}.

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 2019-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
My loan was originally with XXXX XXXX XXXX. They sold to XXXX XXXX who in turn sold to Fay Service in XX/XX/2018. This year I was notified by Fay Servicing that my escrow account was short and I would be getting charged approximately {$150.00} more a month. I was also told I would be getting additional charges for lapse in coverage for insurance that was lender placed. 
According to Fay servicing, I had lapse in coverage in XX/XX/2018 to XX/XX/2018. At this time my loan was serviced by XXXX. They also told me my escrow account was transferred with negative balance. I have requested information from XXXX XXXX and they have advised that I need to speak to current servicer since my account is closed. I spoke with my account manager who was going to look into the issue and then when I called again to follow up I was advised that she no longer handled my account and I had new account manager. I have made numerous attempts, via phone and email to get full accounting of my escrow account. To date, only info I have is projected and what they claim was transferred. I also requested explanation how they can charge me for insurance lapse in coverage when loan was serviced with another company. I also paid previous servicer for lender placed insurance. There should be some refund if I insurance was not paid. This year I was billed for lender placed insurance but have my own insurance placed and still waiting for accounting of that insurance cancelled and new insurance billed. My online account does not give me full statement. My payment went from {$640.00} in XXXX to {$790.00} in XXXX. I am getting no answers from either XXXX financing or Fay Servicing. 
Original email sent on XXXX to Fay Servicing. Follow up on XXXX, XXXX, XXXX. Email sent to XXXX for help on XXXX. All emails also followed up with phone Calls. I did speak with XXXX XXXX at Fay Servicing and she never got back to me other than mailing me projected escrow. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: GA

Complaint narrative:
As my child is only XXXX years old, but the company call Netspend just send her a real prepaid Visa debit card to activate.account number on card is XXXX and routing number is XXXX issue by 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 2019-03-05 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: ERC
State: SC

Complaint narrative:
My XXXX  account was closed in XX/XX/XXXX they are reporting that I just opened the account in XX/XX/XXXX. Called collectors they informed me they are reporting it that way because that is when they obtained the debt and thats unfair. XXXX 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 2019-03-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: MN

Complaint narrative:
Called over the phone and made a payment with a LIVE representative and they continue to make collections calls even though they have debited the payment from my account!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: CA

Complaint narrative:
I have contacted Equifax for over a year now trying to get my bankruptcy discharge reported accurately on my report. I have sent in multiple copies of my discharge papers and identification. Equifax has repeatedly updated errors and created new ones. The latest errors created were for the following creditors : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Bank XXXX of Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX various supposed disputes investigated by Equifax they have created errors on each of these accounts and are now reporting information that is completely fraudulent. All of these accounts were included and XXXX in my Chapter XXXX bankruptcy. I have provided the schedules ( which totaled over XXXX pages ) and the discharge papers as proof. Equifax will update the information as XXXX and then revert back to reporting erroneous information on each account every few weeks. I have asked for a thorough investigation and to cease reporting the fraudulent activity. I have contacted the creditors who confirm having received bankruptcy discharge status. To date Equifax has provided no investigation and have not updated anything accurately. I am only asking for my credit report to report accurate information, which is that the above referenced accounts were XXXX. They even went so far as to create an additional account under the creditor XXXX XXXX. To which I again asked why and to provide details so that I may sue the creditor. Equifax has not provided anything and when I contact that particular creditor I have been hung up on several times. This is beyond infuriating and the next step is a lawsuit with damages included. THESE ERRORS HAVE CAUSED ME TO BE DENIED HOUSING AND EMPLOYMENT for over a year. I have attached the discharge papers here as well so that you can see these accounts were XXXX. As an aside please note the XXXX XXXX XXXX XXXX is listed under several different agencies at this point, all of which were XXXX. XXXX XXXX XXXX XXXX was the original creditor and the original account was 15 years ago and NOT raged at all. But Equifax has placed an entirely erroneous information under the creditor name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
When reviewing my credit report from all 3 major bureaus last year in XX/XX/XXXXI noticed 3 collection accounts for medical bills that I had no knowledge of. I asked all 3 bureaus to remove them, The only bureau XXXX after investigating was kind enough to remove the item. 

I am in the process of applying for a mortgage and this is a problem in being approved by a lender. 

The collection Agency information is listed below. 
XXXX XXXX XXXX XXXX They show 2 addresses On the letter head is XXXX XXXX XXXX XXXX, Ohio XXXX The envelope XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX I am enclosing documents showing how I have attempted since XX/XX/XXXX to obtain any information on this alleged debt and all I get is a piece of paper with 3 amounts and no documentation. 

XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX  XX/XX/XXXX - Letter to XXXX regarding identity fraud XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter from XXXX to me with no detailed information As you can see I have asked for information regarding these debts which are not mine numerous times.They should be removed from my credit reports. 

Thank you

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 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I tried to dispute the information with the company and also tried to speak to a representative to explain to them that this isn't me. Because I sign my name as 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 2019-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
i have a mortgage payment due by the XXXX otherwise i have to make a {$42.00} late payment and since i do not work anymore due to medical issues, so i do not collect a paycheck. i only receive my Social Security benefits in which i receive direct deposit on the XXXX  wednesday of each month, so i notify M & T. bank regarding this and told i can do a loan modification, so i did all that, now as of today on XX/XX/XXXX i called them and talked to them about changing my due date so i do not accrue late fees, and the only way to do that is to refinance and that is not fair, that i have to pay late fees because i do not get my Social Security check until the XXXX of each month, so 6 months out of the year it will cost me roughly {$250.00} extra per year, especially when i only make {$1600.00} a month and my mortgage is {$1200.00} and they should have some common decency and allow me to change my due date one time, since i never had it 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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
To whom it may concern, Reason Code : Violation I have been informing Equifax in writing since XX/XX/XXXX about inaccuracies regarding a Public Record they are reporting on my credit report. They have failed to perform a proper investigation and continue to claim the Public Records have been verified as accurate and/or verified by XXXX XXXX a third -party vendor. This went on from XXXX through XXXX. 

Next, I received a letter from Equifax in XX/XX/XXXX stating the disputed items have been verified by the Credit Grantor ( s ) and that they will NO LONGER investigate unless I sent documents to support my dispute. Again, I sent them all information to support my dispute. 

Finally, they noted on my report that my dispute is not specific. However, Ive been very specific about this matter. I included a copy of the original dispute asking them how they verified this information because information regarding the Bankruptcy wasnt correct. A list of the errors has been outlined on numerous occasions, sent letters via certified/ signed receipt along with a copy of the credit report highlighted in yellow. After they kept telling me it was verified, I reached out to the Federal Courts via- telephone and in writing, asking if they furnished information to the bureaus about my public records and they informed me they do not confirm, furnish or verify public records with no one. The court mailed me a letter reiterating what they had informed me over the telephone. I then forwarded a copy of that letter, another detailed list of inaccuracies regarding the Public Records, a copy of my XXXX XXXX letter that also indicated my information was suppressed, a copy of my utility bill, drivers license and utility bill as proof of my residency. Regardless of what I have sent, they have not fully investigated this account. Im requesting this item is deleted from my report. 

XXXX is also in violation and continues to state verified. However, they report they sent me on XX/XX/XXXX XXXX shows the last date they updated information regarding my Public record disputes was XX/XX/XXXX. Again, I've been disputing for four months. 

XXXX  s also in violation. Their report dated XX/XX/XXXX states the item remained unchanged from their processing of my dispute in XX/XX/XXXX. Again, I've been disputing for four months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE contacted my sister about my debt XX/XX/XXXX @ XXXX expressing to her that they were going to report the debt to my credit report and they would next garnish my wages she explained that I was not home but the rep insisted that she was in fact me I then called them and they said they were sorry the last rep did that but would I like to set up payments I explained to them this isnt correct and they needed to verify this incorrect bill

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
The car ( XXXX XXXX XXXX ) has been put in service 4 times in 5 months. My first issue was within a week of my purchase. The vehicle was leaking tons of water into the floorboard of the passenger side. This issue also cause the tracker for the vehicle to go bad and caused the vehicle to not start at random. The second time being serviced was for the rocker arm lifters on the right side of the motor. The 3rd time was one week or so after picking up the car the lifters on the left side of the motor started going bad and I had to return the car to service once again. Just a few days within picking up the car for the 3rd time my wife was driving the car and the car put its self in park while she was driving and the car immediately started leaking gas from the back side of the motor. This issue put the car out of service completely. This issue I feel like was caused by the technician who serviced the car. I feel that the repair was rushed and possibly a gas line linked to the motor was not completely fastened and came loose. I have been patient with the dealership and have been understanding until now. I have drawn the line. The car throwing its self in park due to this fuel line issue could have caused someone to be hurt if not killed. Luckily my wife had not made it to the highway before this happened. The car could have put its self in park while doing highway speed limits. The warranty department has no concern. XXXX XXXX, the head of warranty didn't care about the issue at all. After a few days and a second phone call he offered to have the car towed and looked at. 4 repairs in 5 months is unacceptable. I have made ALL of my payments on time. At this point I want to be able to walk away from the car without any strings attached and any negative hits on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WY

Complaint narrative:
I received a suspicious yellow post card in the mail. It says I recently closed on a mortgage with first interstate BK/OR, and it's important to contact them at XXXX asap! Mortgage ID # XXXX. 
SEEMS SUSPICIOUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: MI

Complaint narrative:
In XX/XX/2019, ( weeks 3-5 ) I encountered a breach in my COMERICA BANK checking account, and COMERICA BANK did not notice ; this was likely due to a breach in their online services and my account was hacked, which allowed a piece of sh*t to try to steal over {$25000.00} directly from my checking account. The follow-up from the bank was pathetic, and I was not notified of any actions taken when MY MONEY WAS STOLEN ON THEIR WATCH! This is completely insane, really, and I deserve answers, not a non-response and a nearly-impossible-to-contact company who tries to use automated answering robots instead of actual humans ( I called 4 different times today and the stupid automated voice said the same thing each time " we are experiencing a high volume of calls, your wait time will be about 40mins '' ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
About a week ago I initiated dispute with Transunion because I wanted the account to reflect the current total balance of my XXXX card ( with {$15.00} limit ). The card was getting very close to being maxed out but recently my husband took a loan and we paid it down to {$3000.00}, but Transunion was still showing a total balance of {$9000.00}. Yesterday I got a notification saying that the credit dispute was completed and the account was removed from my credit report. Well, the card is still open and active, and it shouldnt have been removed from my Transunion, they should have just updated the total balance to reflect the current amount ( around {$3000.00} ). The account was removed from my TransUnion report and it hurt my credit score. I called both TransUnion and XXXX several times and I can not get them to put the card back on TransUnion and they keep blaming each other. I want to get this fixed since paying down the card from XXXX to XXXX would surely reflect as a positive and add points to the TransUnion score.

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