vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: AL

Complaint narrative:
I Rented a house at XXXX XXXX XXXX XXXX in XXXX Alabama from XXXX XXXX XXXX ( XXXX from here on ) I had a 1 year lease, at about 1 year 4 months into the rental in XX/XX/XXXX I went to the XXXX office to pay the rent and it was closed, I returned the next day and the secretary told me I owed a XXXX dollar late fee, I told her I was here yesterday during business hours ( not lunch ) and the office was closed I'm not going to pay a late fee! She told me it doesn't matter I still owed the fee, I paid the rent minus the fee and told her I was moving. 
I had been trying to get XXXX to move me to another house as I has very bad problems at this address. An Alcoholic  named XXXX burned the house right next door to mine down and he was still around the neighborhood and would flip over my garbage can looking for food and booze and the man was clearly psychotic, my lawnmower was stolen off the porch where it was chained, I had homeless people who would sleep on the porch, I had an incident where 2 people walked in the front door and I had to fight them out. A XXXX delivery with a value of several hundred dollars disappeared off of my porch post delivery, these are just a few examples so I wanted to move anyhow, XXXX has 100 's of rentals and couldn't or wouldn't give me another one to move to, so I moved! 
In XX/XX/XXXX, about 3 years later a hit shows up on my credit report from Smith Rouchon collection agency claiming I owed XXXX dollars they were to collect for XXXX, I told them I don't owe XXXX  anything and in fact they owe me deposits and fees.. 
Here is why I have filed this complaint with consumer finance, I was at XXXX XXXX starting new service several months ago, about 5 years prior XXXX XXXX had placed an account in collections without ever notifying me and I paid Smith Rouchon the bill in full but they never forwarded the info to XXXX XXXX that I had paid it and XXXX called them on the phone to inquire as to if I had indeed paid the bill and they told them that I had paid it in full, THEN the person at Smith Rouchon voluntarily told the utility dept. that I had an outstanding collections account from XXXX  that I explained above in an attempt to cause me denial of services! My research has indicated that this is against the law! I intend to persue this matter to it's completion. I'm not going to allow these people XXXX and SRC to coerce a nickel out of me and we may all be going to court as I am consulting attorneys about all this! I have a witness that overheard the conversation that SRC had with the utility dept. so for them to deny this is a waste of time! I owe XXXX  nothing and will not pay! They owe me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received notifications that several inquiries were reported to my credit file that i did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received notifications that several inquiries were reported to my credit file that i did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: AR

Complaint narrative:
I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind that. I knew my credit was good and there was no way. I then pulled my credit report on my own and saw a outrageous list of accounts that do belong to me. I have never seen these accounts please delete these accounts from my report. 

US DEP ED XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX  XXXX {$940.00} XXXX  XXXX {$120.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$290.00} XXXX XXXX XXXX    XXXX {$100.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$22.00} XXXX, XXXX XXXX {$640.00} XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX  XXXX XXXX ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper is incorrectly holding early partial payments until full payment is made contrary to what is noted on their app. I have been paying partial payments since XX/XX/2019. As an example the partial payment in XX/XX/XXXX was for the upcoming XX/XX/XXXX bill with other partial being paid on due date. When using the partial payment option on the Mr. Cooper app there is a note that indicates if I want them to hold the partial payment until I have made the remaining payment to contact them. Otherwise they could apply your payment sooner. I never contacted them so it my understanding that my partial payments were being applied as they were made. Instead Mr. Cooper has been placing the money in an unapplied funds until the full payment has been received. I contacted them and pointed out the error. I was advised that their system doesnt allow for a partial to be applied to balance when it is made. When I advised them they had a note on their app saying otherwise I was told it wasnt their practice. I challenged and asked them to explain the note, since I never contacted them to request that they hold my payment. They are adamant that they are able to hold off on applying partial payment until full payment is made. This makes the information on their app misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Reviewed my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Equifax on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter onXX/XX/XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I purchased my home XX/XX/1999 for {$58000.00} and my monthly payments were between $ 600- {$800.00}. At that time it wasn't explained to me the type of mortgage I had. Since then, I have been switched to 5 different mortgage companies without my consent. My current mortgage company is with Shellpoint Mortgage Company and my current balance is {$150000.00}. My current mortgage payment is {$1700.00} monthly. My mortgage term is 564 months which is 47 years! I was not aware of the mortgage terms until today. It was never fully disclosed to me what my interest rates were/are or the term of my mortgage. I feel I am a victim of predatory mortgage lending. I make my monthly payments and the balance never goes down. My monthly payments go up almost every month. I am in fear of losing my home because the payments are too high and my balance is not changing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
Hello My name is XXXX XXXX XXXX, I am trying to taking an old account of mine out of collections. The original collector is XXXX   XXXX XXXX. They say I owe XXXX. However when I call them to settle this account they say they sold it to XXXX, when I contact XXXX they say they sold it to XXXX XXXX. And when I call XXXX XXXX they say I have settled this account. As of today XXXX XXXX is still being reflected on my credit report under collection. Please advise as to what I can do to have this old account that apparently no one has to be removed off my account. Please advise. My number is XXXX XXXX XXXX XXXX XXXX XXXX. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS- XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX XXXX XXXX  ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX XXXX XXXX ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Financial made an offer to it's customers to skip a payment in XX/XX/XXXX-XX/XX/XXXX. I know this is common, since my parents are often offered the same benefit through their credit union during this holiday period. My wife agreed to skip the payment, thinking it was a nice perk. Now we have discovered that Ally Financial has damaged our report, by reporting that the payment was simply never made! 
We have contacted them and they are unwilling to acknowledge that they made this offer. We are certain, the same thing is happening to others. We want this fixed immediately, along with any subsequent effect to our credit reports. Some years ago, I was very, very sick and I called Ally who assured me I could skip a payment, but then they penalized me, and our credit suffered. After a XXXX and the sale of our home, we have been working VERY, VERY hard to improve our credit score, and this is an assault to that effort. Please help! Many years ago with our first home which was financed by GMAC. They did the same thing and it hit our credit as if we had simply ignored a payment rather than just taking advantage of an offer. We now have learned that GMAC and ALLY are the same company. We also believe they are reporting the old issue past 7 years. This is not coincidental. It is a practice to trap people into paying more and it gravely hurts our credit. This company is the only reason that my credit is not perfect. I know they do not report accurately and it surely must be harming many, many people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: DC

Complaint narrative:
I already reached out to Experian and to XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. The account is truly wrong. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on 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 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NY

Complaint narrative:
As a follow up to a previous complaint i was again threatened by HUNTER WARFIELD legal team member on XX/XX/2020 during a phone call where the male legal team member stated 'you just wasted a perfectly good cfpb complaint ' and further accused me of baseless claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX credit card and XXXX  XXXX or unauthorized credit on my credit line

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
Received a phone call from a collection agency to my wifes phone saying a dept collection I have no ideal what it is because my bills are with XXXX 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 2020-01-30 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind that. I knew my credit was good and there was no way. I then pulled my credit report on my own and saw a outrageous list of accounts that do belong to me. I have never seen these accounts please delete these accounts from my report. 

US DEP ED XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX  XXXX {$940.00} XXXX  XXXX {$120.00} XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX   XXXX {$100.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX {$22000.00} XXXX XXXX  XXXX {$22.00} XXXX, XXXX XXXX {$640.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00}

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 2020-01-30 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: AR

Complaint narrative:
I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind that. I knew my credit was good and there was no way. I then pulled my credit report on my own and saw a outrageous list of accounts that do belong to me. I have never seen these accounts please delete these accounts from my report. 

US DEP ED XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$120.00} XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$290.00} XXXX XXXX XXXX   XXXX {$100.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX  XXXX {$22.00} XXXX, XXXX XXXX {$640.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00}

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 non-monetary relief