vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: DE

Complaint narrative:
I was contacted on XX/XX/2021 by Williams and Fudge XXXX. XXXX XXXX XXXX XXXX, SC XXXX about a college debt. I was told that it would be on my credit report after 60 days if not paid. I requested validation. Information sent to me shows that the account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX  is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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:
Equifax and XXXX  is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: OH

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 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. 

The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I don't recall having a HAND WRITTEN agreement with any of the following companies that have been reporting falsely on my credit. I don't know who any of these companies are, therefore I demand the following accounts be verified or deleted immediately. 
: 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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to put a freeze on my Equifax credit report, since my SSN was compromised. I tried to use their online service for doing so, but I was prompted to verify my identity and create an account first. After completing that process on their website I got a message saying the could not verify my identity, and they would send me an access code by snail-mail to the address that I provided, which I could then use to verify my identity and create the account. 

After waiting for, and eventually receiving the piece of mail, I went to https : //my.equifax.com/pin as instructed to complete my enrollment. That was apparently successful, but I still have not been able to log into my account and it's been several days now. Every time I try to log in their website says " We are temporarily unable to complete this request. Please try again later. '' I have tried several different browsers and they all have the same problem. 

Having to do this over the phone instead of online is unacceptable, especially for someone like me, who has a XXXX loss that prevents me from using the phone normally. Equifax is the only one out of all three major credit bureaus that has this problem, and I have successfully completed this process in less than an hour with the other two.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: LA

Complaint narrative:
XXXX and Experian is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.

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 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted transunion numerous times about removing inaccurate information and went on to question how they verified the information. The lady said XXXX consumer report and I let her know that there has been a credit freeze and that there was no way she verified thru them. Then she changed it and said they verify thru the bankrupcy court which I confirmed with the courthouse that it was false as well. Ive been getting the run around about removing addresses and phone numbers that never belong to me as well.

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 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, after a long illness, I pulled my credit reports and learned of a pending educational fee of {$3100.00} due to XXXX XXXX XXXX. I telephoned XXXX XXXX XXXX XXXX to confirm the pending amount. I was informed the account was referred to NCM Associates for collection. XXXX XXXX XXXX noted if Im paying the entire amount I could pay online using their bill pay system XXXX. XXXX further stated if Im trying to settle the amount then I must speak with NCM Associates, the debt collection agency. On XX/XX/XXXX, I paid the entire {$3100.00} directly to XXXX via XXXX. On XX/XX/XXXX, the amount cleared my XXXX XXXX XXXX XXXX XXXX Acct, and at XXXX XXXX XXXX XXXX confirmed the payment had cleared and that the debt collection agency, NCM were notified there is no outstanding debt. I immediately telephoned NCM shortly after to confirm XXXX balance. NCM confirm there is nothing to collect. However, NCM has continued to report status of the account erroneously, noting a balance is standing of {$3100.00}, and no payments have been made. XXXX or NCM will provide a statement or letter stating the debt is paid. Both points to the other. On XX/XX/XXXX, NCM noted I didnt make the payment to them, but to XXXX, so they will not send confirmation there is no balance, but continue to report the incorrect information to all three credit agencies when this issue is disputed. As of XX/XX/XXXX, XXXX, XXXX and XXXX have all reached out to NCM, who have confirmed a standing balance of {$3100.00}, no payments made. XXXX noted it may take 60 days to update, but XXXX account reflects XXXX balance. Im concerned because Im on XXXX and I need housing. The bad reporting of this debt is created a poor credit score, and is reporting incorrectly and I have tried every way possible. I uploaded confirmation documents to XXXX and was informed its not good enough to correct my credit report. Im reaching out to you as a last effort to request NCM to correctly report the status of this account. On XX/XX/XXXX, NCM provided reference number XXXX for the account. I called XXXX  directly with the reference information, but XXXX reports NCM confirmed a balance of {$3100.00} on XX/XX/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 2021-05-20 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: AFNI INC.
State: IN

Complaint narrative:
These account have been sold. I am no longer liable for the alleged. An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
In XXXX I received a card from chase bank saying I opened a account which I did not. It was in my maiden name. I ended up canceling it and got it squared away with chase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: FC HoldCo LLC
State: LA

Complaint narrative:
I never gave this company permission to request my credit.

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 2021-05-20 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
I have not interacted with the company but the debt is showing it as a recent debt and i know its been longer than 7 months since i became delinquent, its been 5 years. they are wanting {$770.00} and i was only suppose to pay {$440.00} $ but it went up to {$770.00}. 
I havent had any contact with " XXXX '' But it seems the info is incorrect. Im looking for some kind of help to see if this matter can be resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX XXXX notifying me of the court complaint. The judgment was filed XX/XX/XXXX, however, I was a legal resident of South Carolina at that time and never received any correspondence from either Portfolio Recovery nor XXXX XXXX. The address referenced on all correspondence is an address from several months prior that was no longer in use. ***I have attached documentation to support the *first* mailed notice was **sent XXXX ( the court docs uploaded even reflect the mail was UNDELIVERABLE** ) as well as a copy of the energy bill associated with the address I was living at as of XX/XX/XXXX and the notice to vacate the unit I was residing at, at that time reflecting XX/XX/XXXX. If you actually completed your due diligence and reviewed the documentation supplied - it would become apparent it is impossible for me to have resided in Ohio to receive the notice considering I was a legal resident of SC. I also attached a copy of my SC drivers license that clearly reflects an issue date of XX/XX/XXXX. It is therefore impossible for me to have received a notice delivered to the referenced address XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 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: FL

Complaint narrative:
An Investigation was concluded but there wasnt a means of listed as to HOW they retrieved this information and who they SPOKE WITH TO VERIFY this. I NEED ACTUAL COMMUNICATION for this concluded VERIFICATIION Account Name XXXX XXXX XXXX Account NumberXXXX Account Type Debt Buyer This item was updated from Expeian processing from dispute in XX/XX/2021. 
Completed investigation of FCRA dispute - consumer disagrees. 
Original Balance {$590.00} Highest Balance {$0.00}

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 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I am the current mortgagor of a property in Pennsylvania serviced by Shellpoint. On XX/XX/XXXX and XX/XX/XXXX, i received Notices from Shellpoint as a servicer for XXXX XXXX providing me with a notice of default and intent to accelerate due to my failure to make timely payments on my mortgage. Exhibit A. The Notices that Shellpoint sent to me, however, fail to comport with Sections 403 ( c ) ( 3 ) and 404 ( a ) of Pennsylvanias Loan and Interest Protection Law ( Act 6 ), 41 P.S. 101 et seq., because they fail to include statutory mandated language, including inter alia, that I had the right to cure my default and reinstate my mortgage at any time at least one hour prior to the commencement of bidding at a sheriff sale or other judicial sale. 41 P.S. 404 ( a ). As a result of Shellpoint and U.S. Banks violation of Section 403 ( c ) ( 3 ) of Act 6, everyone including myself are entitled to damages under Section 504 of Act 6. Muir v. AM Sols., LLC, No. 18-729, 2019 U.S. Dist. XXXX 129089, at *38 ( E.D . Pa. Aug. 1, 2019 ).

Further, the Notices that Shellpoint sent to myself and anyone else in pa violate 1692e ( 5 ), ( 10 ) and Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Sections 2270.4 ( a ) and ( b ) ( 5 ) ( v ) of the Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ), 73 Pa. Stat. 2270.1, et seq., because Shellpoint : ( 1 ) Threatens to foreclose based on noncompliant Notices ; ( 2 ) Uses deceptive means to collect a debt based on noncompliant Notices ; and ( 3 ) Fails to include a debt validation disclosure in the Notices.

As a result of Shellpoint and U.S. Banks violations of the FDCPA and FCEUA, my patty thinks im also entitled to damages pursuant to Section 1692k of the FDCPA and Section 2270.5 of the FCEUA, as enforced under Section 201-9.2 of Pennsylvanias Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), 73 P.S. 201-1, et seq. See e.g., Hall v. Nationstar Mortg., LLC , 255 F. Supp. 3d 625, 634 ( E.D. Pa. 2015 ) ( Denying Defendants motion for summary judgment in a class action alleging that their defective Act 6 notices constituted a violation of the FDCPA. ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
On Thursday XX/XX/XXXX of 2021 at XXXX, I sent a formal request via email to Planet Home Lending for an appraisal of my home to be able to see if I could remove PMI. 
I am required to only use appraisers from Planet Home Lending. 

I received a response email from Planet Home Lending ( PHL ) stating all I had to do is send documentation of home improvements and costs for them to schedule the appraisal. 

On Tuesday, XX/XX/2021 at XXXX is sent two receipts from my over XXXX dollars of renovations to PHL. 

On XX/XX/XXXX of 2021 at XXXX I asked about the status of my request for an appraisal. 

On XX/XX/2021 at XXXX I was notified by PHL that my request for an appraisal was denied and cancelled for not meeting requirements to deserve an appraisal. 

I believe I am being unfairly charged PMI when I clearly have increased my home value by over XXXX dollars. Even my local tax office in XXXX XXXX appraised my home at over XXXX dollars more than last year. Yet PHL will not even let me have an appraisal ... ..just to keep me paying more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: MD

Complaint narrative:
This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. This is NOT a request for verification or proof of my mailing address. I am requesting that Williams Rush and Associates provide me with competent evidence that I have any signed binding contract giving Williams Rush & Associates legal obligation to collect and alleged debt.

Without any prior written notice from Williams Rush & Associates, my credit was adversely impacted. If this agency continues to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark from Williams Rush continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against Williams Rush & Associates.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One issued a credit card in my name to a fraudulent person who stole my identity. The flexible spending credit card was opened on XX/XX/20. An amount of {$16000.00} was charged. Now, the debt collection agency is after me for this money. All the personal information except my date of birth used to open the credit card seems to be correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation