vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
I refinanced my existing mortgage with a different company, and my original mortgage with Loan Depot was paid in full and closed on XX/XX/2021. As of XX/XX/2021, Loan Depot is still holding the funds in my escrow account which total over {$5000.00} dollars. Legally they have to return that money to me within 30 days - it has now been 50 days. 

Loan Depot claims they mailed me a check on XX/XX/2021. I never received it, and they have zero proof that actually sent a check. After escalating the issues multiple times, starting in XXXX, they finally agreed on XX/XX/2021 to cancel the supposed 'check ' that they mailed and wire me the funds. Since that date ( today is XX/XX/2021 ), Loan Dept has gone completely silent ; they will not answer my emails, and when I called their office it said they were closed due to unforeseen circumstances. 

I refuse to ever do business again with a company that will withhold {$5000.00} of someone's money in the middle of a pandemic. Had I made a single mortgage payment late, I would have late fees and other penalties. Their customer service reps, no matter how far you escalate, do not even pretend to care about you. There are plenty of better mortgage companies out there, I suggest you look elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I received a letter from Lakeview Loan Servicing in XX/XX/2020 that I had an escrow shortage of {$4800.00} I closed on my property XX/XX/2020, Escrow deposit was made, and all mortgage and escrow payments were made ( 1 late-by 16 days ) After numerous phone attempts was told due to a tax increase. 
I contacted the town, and told was up to date, and max increase allowed by law is 6 % ( which would be {$1000.00}, not {$4800.00} ) At this point, I sent another certified letter that I would like to pay my own taxes. 

The response I received was that they could not separate since I have a mortgage payment that was 30 days late. 

Of, course I have bank documentation of all transfers.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX and Experian should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: LA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: FL

Complaint narrative:
Recently it has been brought to my attention that there are 3 items on my XXXX  credit report, which I could not recognize. These accounts are as follows : XXXX - {$240.00} XXXX - {$85.00} XXXX - {$60.00} I have disputed the accounts through Evergreen Professional Recoveries directly on XX/XX/2021 and have requested to validate the debt and send me proof of all statements with original dates and account numbers. I provided them with my current address and additional contact information, and gave them permission to contact me anytime. It has been over a month and I still haven't received anything. I called them on XX/XX/2021 to find out what is going on. I did leave a voice mail. I was also told that I will receive a phone call back from someone who will be able to assist me, and no one called me back. I finally called again and was talking to a person who was working on validating this debt. He was very rude and started yelling at me when I told him that 30 days for validating the debt has passed. He said that they have 30 days to validate the debt, but there is no limit on how long it takes them to send it to me. In addition he said that these are some medical bills which belong to me and that they are waiting for more information to come. I had insurance and am not aware of why any past balances due. This conversation was not professional, I wasn't offered a resolution, no proof and documentations of any kind. The manager claimed the debts were validated yet I hadnt received the documents alleging these are valid debts afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ) within the 30 days window.

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 2021-05-05 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: GA

Complaint narrative:
i was a victim of identity thief i contacted credit bureau with police statement that my info was stolen and they wont remove. those are not my inquiries also reported with Federal Trade Commissions not sure why they wont remove associated credit XXXX XXXX XXXX sales XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On my XXXX and XXXX credit report, Bridgecrest ( Account Number : XXXX ) is reporting an incorrect account status as Repossession and reporting a late payment every month. The accurate account status is Charged Off. I requested that this account be updated and the credit bureaus said that the creditor verified this account and it will remain as is. They have now verified it six times. Bridgecrest is deliberately reporting outdated information to intentionally degrade my credit score. The latest status is a charge off and no payment history should be reporting.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
I applied to a job and this was the background check that came back. I was XXXX with XXXX XXXX that were later completely dropped. Howeve, they still show that I was not only XXXX with but XXXX  of. Which is totally completely WRONG! I was only charged with a XXXX XXXX XXXX charge. Not a XXXX  charge. Not a XXXX  charge. I was in the car with someone else that had these things. I was originally XXXX but the XXXX were dropped. Why is it not only stil showing I was XXXX  but also XXXX This is wrong. 100 percent wrong. Please fix this please. This happend XX/XX/XXXX. The disposition date was XX/XX/XXXX. XXXX XXXX clerks office definitely has a copy of this. Thank you and please make this right please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NY

Complaint narrative:
Equifax had credit information from my husband and it bled over on my credit history. I was able to correct this easily online through my Core services with Equifax, but when I moved months later to a new address and applied for a XXXX XXXX XXXX, I was denied for credit because of the same information which had previously been removed and was no longer visible on my physical credit report, nor their website, was bleeding over again internally in their system. When I called today to speak with a customer service rep at Equifax, XXXX told me they would have to re-investigate the information & couldn't correct it as the website is in real time, but their information wasn't. This is unacceptable, so I asked to speak with a supervisor and was promptly hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American express freeze my membership rewards account without any notice and any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
XXXX. I was receiving calls from Paragon Revenue Group, multiple times per day, every day of the week for about two weeks. I was not familiar with them and I only received generic voicemails. 
XXXX. On XX/XX/2021 I received a debt collection letter from Paragon Revenue Group. The letter was dated XX/XX/2021. 
XXXX. On XX/XX/2021, one day after receiving their debt collection letter, I promptly return mailed Paragon Revenue Group a XXXX XXXX XXXX XXXX via USPS Certified Mail, Return Receipt Requested. ( Attached ) XXXX. Paragon Revenue Group called me the morning of XX/XX/2021. 
XXXX. Paragon Revenue Group received my Debt Verification Letter via USPS Certified Mail on XX/XX/2021 in the afternoon. The Certified Letter 's Domestic Return Receipt was signed by XXXX XXXX. ( Attached XXXX XXXX. I used the Debt Verification Template provided by the CFPB to request more information about this alleged debt. I do not recognize Paragon Revenue Group as a creditor to whom I'm allegedly indebted {$1000.00}. I never signed any contract with this debt collector and I am not responsible for their alleged claims against me. ( Attached XXXX XXXX. I stated in my Debt Verification letter : " All debt collection practices must stop. Phone calls of any sort will be treated as harassment. Please direct all future correspondence to my mailing address above. '' Per my request, the harassing debt collection calls stopped. In an effort to resolve this matter, reduce the volume of calls, and to have all communication via written word only ; I maintained an open channel of communication with Paragon Revenue Group by instructing all return correspondence be mailed to my PO Box Mailing Address. The same address they mailed the debt collection letter to me on XX/XX/2021. 
XXXX. I allotted Paragon Revenue Group 30 days to respond to my Debt Verification Letter. I monitored my PO Box mail on a daily basis for an additional 18 business days. 
XXXX. I never received a debt verification letter. I afforded Paragon Revenue Group ample opportunity and time to respond : 30 days after they received my request to verify this alleged debt plus an additional 18 business days to receive their return correspondence. 
XXXX. Paragon Revenue Group failed to fulfill their obligations as outlined in the Fair Debt Collection Practices Act. I do not believe they are a valid debt collector nor do I believed this alleged debt is legitimate. It only took me one day to respond to their debt collection letter. I waited nearly 60 days for a response and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
the accounts listed are fraudulent someone stole my social security card and photo id to open these fraudulent accounts in my name i am a victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
Experian will not allow me to submit a dispute on the website. I must waste my cellphone plan minutes for a 15 minute wait! 
The information that needs to be corrected is : I have never lived in Florida! The Florida address is the result of an account takeover involving 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 non-monetary relief
Consumer complaint received 2021-05-05 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: TX

Complaint narrative:
Received an annual credit report for myself and my husband from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, Order number XXXX. Order dated XX/XX/2021, phone number XXXX. When I contact this number they say this is an annual credit report that is free to me annually. I have NEVER given XXXX any information or the ok to run my credit and they hang up on you once they tell you that. It is not right that they are able to run my reports. It says it is a soft him. I have worked in the Insurance business for 20 years. A soft hit does NOT send you your annual credit report. I am furious that they have taken my information WITHOUT MINE OR MY HUSBAND 'S approval.

Company response to consumer: Closed with explanation