vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX made a mistake on my account and reported a balance for collections. XXXX addmitted fault, closed collections, and stated it should have never been reported. I have disputed this event with Experian and the best they will do is list the collect account as " paid. '' The collection account should not have ever been listed and nothing was ever paid on my part, because their was never a debt. It was a fault on XXXX XXXX part, yet it is effecting my credit score with Experian. Experian says I can " pay '' to boost my score, which is essentially blackmail to bribe them to fix the erroneous 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 2021-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian sent me a dispute report # XXXX XX/XX/2021 by electronic email to review dispute results from a previous dispute that was closed on XX/XX/2021. I could not access the dispute results after typing the required information as required by Experian. I received an error letter which said that Experian could not process my dispute and to mail in the letter and request the dispute results via mail and I did. Experian then electronically sent the dispute results via electronic email for a second time on XX/XX/2021 and I received the same error message with the letter to request dispute results via physical mail. ( I have included a screenshot of the error message/letter request for dispute results by mail ).

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 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IL

Complaint narrative:
They rtreatened and sued me for the amount owed even thou the debt it not valid. it is old. The lawyers they hired are very rude and my payments never go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
My complaint is about Mr. Cooper, AKA Nationstar Mortgage. In the spring of 2020, we applied for and received forbearance due to the pandemic. Our trouble started when we began trying to bring the loan back out of forbearance. First, we could not get a straight answer about what kind of repayment plan we were entitled to. After a couple of months we got a modification plan approved and submitted three test payments. At that time I submitted an additional payment online to cover an outstanding escrow amount, so that it would not be rolled in to the new principal amount of the loan. This payment vanished into some kind of " unapplied funds '' and was perhaps applied later, though we have never received a detailed accounting of this. 

Then in XXXX we were sent the papers to sign for the reconfigured loan. We signed and returned them immediately. We received some texts and robo-calls which my phone filtered as spam, with no messages left. There were no account messages nor emails during this time. Because I was receiving multiple calls from the same number I decided to call it back, and it turned out to be Mr. Cooper. They told me I had an amount due to " book '' the loan modification and the agent told me that it was to cover escrow payments. I asked him to tell me where my unapplied escrow payment had gone. He said he would escalate the matter and get back to me. He never called back. From this point in the story I am attaching my note log. Currently it is XX/XX/XXXX, we have sent our XX/XX/XXXX payment on XX/XX/XXXX, it was again listed as " unapplied funds, '' and we continue to get dunned about payment of the XXXX bill. Throughout the process I can never get a straight answer, and seldom get the same answer from two different representatives. And, this matter of the " unapplied '' funds that I have sent to them is inexcusable. 

Also, I never have spoken to the same customer service agent twice. Each person gave me different advice. XXXX in XXXX let me know that people in Customer Service are trying to be helpful but really shouldn't give advice outside their scope, as I had gotten steered wrong a couple of times. Furthermore, I was only able to call XXXX in Escalation back because I captured her direct number when she called me back. Theoretically there is a person in customer service called XXXX XXXX who is assigned to this account, and each time I have called I have first been routed to his voicemail, which always says he is not available. Any time of the day or night, not available, over an 8-month period. Frankly I suspect that he is a fictitious person, set up to make me feel some kind of " personal touch. '' I can't help but feel that if there really was a single point of contact, that person could have shepherded this situation to a satisfactory conclusion much sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Burr & Reid, LLP
State: PA

Complaint narrative:
XX/XX/XXXX I started receiving XXXX due to my XXXX. 
XXXX XXXX XX/XX/XXXX I stayed in the hospital due to having contractions and my daughter being born. 
Hospital never asked for my XXXX insurance card. I never asked since I have been to that hospital more than 3 times during my XXXX and they should have my insurance cards in their computer system. Today I looked at my credit karma and turned out XXXX never paid for my childs birth. I have {$15000.00} in collections that needs to be paid my insurance and my credit score dropped drastically bc of that. Please fix this. -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I received emails from the following ; XXXXXXXX XXXX, XXXX, XXXX, XXXX. 

I gave {$350.00} to the email XXXX XXXX, in form of XXXX XXXX XXXX purchased at my local XXXX. I thought it was going towards my debt, but it was just a scam. 

I also gave {$300.00} to the email XXXX, because I thought it was going towards my debt. 

But when I kept receiving different emails, I called the company I borrowed from, and they told me it was bit them. 

So please be aware of the following emails. 

I have the emails to prove how they harass you and threaten you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: PA

Complaint narrative:
I paid my mortgage monthly by phone 4/3 years last year around XXXX the mortgage company did not collect my money from my bank as usual it did not contact my bank it did not apply any money to my account however they claimed that the money was sent back to the bank but the bank has no record of that happening I made the phone call as I was supposed to supposed to they did not request the money from my bank and they posted me as being late in my mortgage and held back money that should have been applied now they reported me to the credit bureau I have a XXXX credit score and it shouldn't be that low I did not do anything to deserve this XXXX XXXX is the company I'm talking about they service my property at XXXX XXXX XXXX XXXX XXXX Florida XXXX I've contacted the company and they have ignored my situation I have the records that prove my claim

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 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have not been able to access my money since an account transfer for one week. Customer service line continues to disconnect me after holding for long periods of time. No clear path to resolution. Overall, this is making the majority of my liquid assets unreachable which is unacceptable - I need access to my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
ok My Name is XXXX XXXX. i paid a credit card dept. over 20 years ago in a consolidation loan on a XXXXXXXX and wells fargo credit card XXXX expunged the dept i owed them on the national record of my credit wells fargo did not. sure they expunged locally but did not take it off the national record. cause the dept shows i owe when i do not. im trying to buy a house and had my morgage agency look up my credit shows i owe that old dept. Wells fargo goes after there depts extremely in collecting dept always been there modas operandi, but none to graces in evening the books. ( Cooking the Books ). I want wells fargo to expunge the dept off my record -i dont bank and have not banked with them in over 20 years i had the consolidation loan pay off the dept its been long aunuff i want it removed, XXXX XXXX XXXX ss.nu # i will tell a agent in private who wants to take the case?

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 2021-05-17 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: KEYCORP
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
I saw 3 " Hard Inquiries '' listed on my credit reports that I do not have any record or recollection of authorizing. They are all dated in XX/XX/2019. I would like them removed and the fraud, if found, investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
I saw 3 " Hard Inquiries '' listed on my credit reports that I do not have any record or recollection of authorizing. They are all dated in XX/XX/2019. I would like them removed and the fraud, if found, investigated.

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 2021-05-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Specialized Loan Servicing, LLC took my HELOC loan over on XX/XX/XXXX. The outstanding principal balance was {$49000.00} before the loan was paid in full on XX/XX/XXXX. The interest due for the 20 days there was a balance is {$140.00} based off the SLS daily interest rate of {$7.00} X 20 days. 

On XX/XX/XXXX I made a payment with XXXX XXXX XXXX which was the original loan holder of {$300.00}. {$77.00} was applied to the principal and {$220.00} was applied to interest for the period of XX/XX/XXXX thru XX/XX/XXXX. On XX/XX/XXXX, SLS, received a wire transfer to pay the balance of my HELOC to a {$0.00} balance. The wire was in the amount of {$49000.00}, leaving a credit on my account of {$170.00} XXXX {$49000.00} - {$49000.00} XXXX. 

In short SLS, owes me {$240.00} Specialized loan Servicing, has continuously misrepresented the billing history and continues to move numbers around to say I owe money and has sent delinquent notice to the consumer reporting bureaus during the in which we are disagreeing with the companies billing. The right afforded to us have been violated and SLS refuses to dedicate any person to accurately review our account. We have been in a dispute with SLS, since XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a victim of IDENTITY theft ... ... I submitted all the proper documents to all 3 bureaus previously ... .this account on my reports was removed previously as it was found to be fraudulent and now it was re-inserted for no reason ... .these credit bureaus are XXXX and they never follow the guidelines set forth by the FCRA ... they just operate in their own worlds and go by their own RULES. Both of the following accounts should be removed and deleted permanently from my reports. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$3300.00} Reason : Account is fraudulent

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 2021-05-17 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: GA

Complaint narrative:
I have been a victim of IDENTITY theft ... ... I submitted all the proper documents to all 3 bureaus previously ... .this account on my reports was removed previously as it was found to be fraudulent and now it was re-inserted for no reason ... .these credit bureaus are crooks and they never follow the guidelines set forth by the FCRA ... they just operate in their own worlds and go by their own RULES. Both of the following accounts should be removed and deleted permanently from my reports. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$3300.00} Reason : Account is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
Hi My loan was serviced by XXXX XXXX XXXX and recently transferred to Flagstar in XX/XX/2021, I tried to remove the escrow account with XXXX before the transfer and now have to deal with Flagstar. 
I tried to apply to remove Escrow account for taxes and insurance and submitted the paperwork with Flagstar in end of XXXX and submitted all require documents and sent and received by the bank by XX/XX/XXXX. I called later in XX/XX/XXXX to inquire about status, Customer Service noted a ticket will be opened and issue will be resolved. I have not been contacted or notified about removing escrow account. I am not sure what is taking so long. No response and contact is very frustrating as home insurance is due and not sure if I need to pay or will the bank pay via escrow. I would like a status and when my escrow removal applications will be processed.

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 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Received a letter from the debt collector California Business Bureau regarding medical debt. I requested this debt be sent back to the hospital for settlement and was told they could not do that. They did not provide me with a proof of charges to match the collection and was told I could not make a settlement amount with them and would have to pay them in full or set up a payment arrangement. I set up the payment arrangement to avoid this debt being reported on my credit only to find out they will still report it. I was never given written notice of the arrangement nor was I told there would be accrued interest daily. I requested on XX/XX/17 from the representative XXXX a written notice of the payment arrangement as well as information on why Im being charged interest and was told they dont provide that and they can charge interest if they want to. I believe they have violated my rights in many ways and refuse to provide requested documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX, AZ XXXX Transunion is showing that XXXX and XXXX of 2020 they where missed/late payments, this is inaccurate and should show 100 % on time payments.

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 2021-05-17 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: Credit Plus Inc
State: GA

Complaint narrative:
The inquiries on my report I do not recognize. I have contacted the companies and they have told me to reach out to bureaus directly because they could not locate the identifiers I provided. 

Companies are : XXXX XXXX Credit Plus, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXXXXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation