vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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: MD

Complaint narrative:
I currently have a personal loan with XXXX XXXX for {$3200.00}, as of XXXX XXXX, 2020, my credit report showed a new balance of {$340000.00}!!!! XXXX XXXX XXXX, XXXX XXXX and XXXX DOLLARS. the Representative I spoke with at XXXX XXXX on XXXX XXXX, 2020 advised there was a computer glitch and XXXX XXXX caught the glitch that disseminated erroneous balance information to the credit bureaus and within 48 hours my credit report should reflect the correct loan amount. 

My credit has already taken a hit and I am puzzled as to how a glitch can make a {$300000.00} error!!! PLEASE Help me. 

XXXX XXXX did not email me, did not have any messages on their website nor any social media messages. I found out about the error by checking my Transunion Credit Report on my own accord.

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 2020-12-16 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In my reports a closed account with huge amount of missed payments. Bestbuy/Cbna is not mine charge-off account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account 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 explanation
Consumer complaint received 2020-12-16 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: NJ

Complaint narrative:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that two of the accounts that are in my credit report don't belong to me, and it came back with a different collection this time, the collection name for the alleged debt with XXXX is XXXX XXXX XXXX, and so I ask to please stop further collection activities and remove the account from my XXXX and TRANSUNION credit report. Also XXXX I personally don't recognize this account, the account doesn't belong to me and this is reporting on the three credit bureaus. I've already tried to remove these accounts with them and they refuses to take them off.

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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Submitted request for modification and mortgage servicer didn't process with loss mitigation correctly.

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 2020-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I already have a complaint in about this company, and I thought it was resolved. After I submitted the CFPB complaint, Mr. Cooper sent me a Complaint Resolution Letter, stating " There is an outstanding balance of escrow advances in the amount of {$10000.00}. Once all of these criteria are met, we will be able to submit a formal review to remove the taxes from escrow ''. A check was sent to Mr. Cooper in the amount of {$10000.00} for the outstanding escrow balance that was due to them, which they have received. I was just sent a letter from Mr. Cooper dated XX/XX/2020, stating my mortgage payment is currently past due for XX/XX/2020 and is due for all payments from and including that date. As of XX/XX/2020, this letter states I owe {$8400.00} to cure the default. This is absolutely incorrect. I have made the same mortgage payment of {$2000.00} every month since I owned the home. Effective XX/XX/2020, my mortgage payment is {$2000.00}, which is what was paid. This company has been paid back the past due escrow that was paid out on my behalf and I was making my monthly mortgage payments ( minus escrow ) the entire time I've been here. There is no way I owe this money as I was not even responsible for property taxes in XXXX - XX/XX/2020. I am a XXXX XXXX service connected veteran and this is taking a huge toll on my mental health and something needs to be done to correct this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts in Identity Theft. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from 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 explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
We make a payment since a week, they told us they will send us a receipt for the payment and that never happens. 
We call 3-4 times a day every day and they continue telling us the same thing. 
Were trying to buy a house but because of this, that they dont give us the receipt or remove the account from collection Were literally in the streets with our XXXX little XXXX. 
Because of this company Credence Resource Management , LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
This same alleged debt has been reported at least 5 different times now since I stopped doing business with XXXX in 2017. It took 2 years a 3 disputes for anyone to provide me with itemized details on what I supposedly owed. XXXX originally claimed ( by way of a rep at my door ) I had failed to return equipment which I never had and then eventually changed their story to saying I owed them for service several months after I switched providers and explicitly canceled them. 

I believe the constant re-reporting on the same fabricated debt is a blatantly fraudulent attempt to side step time limitations imposed on credit reporting. Stop being XXXX XXXX XXXX, this is why everyone hates you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had multiple issues with Wells Fargo 's fraudulent charges and debits to my account. WF is set up to direct debit my mortgage payment. They did not do this in XXXX and have since been charging late fees to my account fraudulently. They have repeatedly required me to pay those fees to them with the promise that they will reverse them later. I should not be required to continue paying them money that is not owed to them in advance for something they will pay back later. They state this reimbursement to be a " courtesy '' to me, when it is in fact fraudulent. These charges and games are relentless with this bank. Thank you for your assistance

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 2020-12-16 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: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
On XX/XX/2020, ONLINE INFORMATION SVCS added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill saying its mine. According to the FCRA, ONLINE INFORMATION SVCS has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System XXXX. XXXX  XXXX XXXX, GA XXXX Re : XXXX this company is trying to collet {$10000.00} from some apartment complex named XXXX XXXX XXXX  XXXX XXXX XXXX Located in XXXX XXXX Florida, On XX/XX/2020 I try calling and searching for the apartment complex, it does not exist. i also called the collection company the person who answer was XXXX XXXX XXXX I asked for the phone number of XXXX XXXX XXXX XXXX XXXX XXXX she refused to give that info and said they are not allowed to provide information like a Phone Number for XXXX XXXX XXXX XXXX XXXX XXXX that i need to research by myself, she ask for my personal info. She want me to pay full amount to them and tread me if they send me a package to investigate a Froud this will take months and that the only solution is to pay full amount cause XXXX XXXX XXXX  XXXX XXXX XXXX XXXX company that do not exist ) do not take settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
Because I have been a victim of identity theft, I have acquired the most trouble in trying to sustain funds for everyday living during this COVID 19 pandemic. These unauthorized accounts have severely hindered me and my family. I am asking that all the accounts/inquiries listed in this report be removed from my credit report as soon as possible so I can provide for my family.

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 2020-12-16 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts in Identity Theft. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from 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 explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I have submitted numerous disputes through the credit bureaus and a complaint through this organization. The resolution was that I paid the sum instead of the insurance company as I alleged. I provided supporting documents of the insurance check reimbursing me back. I provided a letter form the insurance company taking responsibility for their error. Insurance claim is XXXX. 

PLEASE READ THE SUPPORTING DOCUMENTS. 

This is delaying our mortgage loan application!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TX

Complaint narrative:
when asking XXXX  to remove address they just change my address by combining the zip codes false removal process please have them correct it see attachments all ftc filed : XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute OFFICE OF THE ATTY GENERDispute U.S. DEPARTMENT OF EDUCATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: FL

Complaint narrative:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-16 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation
State: CA

Complaint narrative:
I have a debt collector attempting to collect a debt that has already been paid. I have attempted to contact them on several occasions and they refuse to help me or comply with the Federal Law to legally show me proof of the debt per the Fair Debt Collections Practices ACT. The original debt was paid to the creditor Mr. XXXX to do a job at a property I own. They invoiced me {$2700.00} for a job they did not complete. I had to hire another company to come out and redo the entire job they were hired to do after an inspector said it was not sufficient and would not pass code. I paid MR XXXX for the work they did which was the majority of the {$2700.00} and told them I had to get another company to redo the entire thing because it did not pass inspection. That was the last I heard about it for quite awhile until a debt collector know as TeleRecovery reported the account on my credit report. I disputed it with the credit reporting agencies in XXXX and again in XXXX and TeleRecovery supposedly verified it. I then sent TeleRecovery a Validation Demand asking for a signed contract, statements, or detailed billing history per the Fair Debt Collections Practices ACT which requires them to send me these documents for them to legally report or collect a debt. The first validation demand was sent on XX/XX/2020 and I got no response so, I sent another validation demand asking for proof of what they were reporting and the required documentation by law to legally report or collect the debt on XX/XX/2020. On XX/XX/2020 I sent another demand because they did not comply with the FDCPA and have violated my consumer rights and yet they still keep reporting it to the credit reporting agencies. I let the credit reporting agencies know that TeleRecovery was in non compliance of the FDCPA but the credit reporting agencies do not care and keep saying the verified the account. On XX/XX/2020 I sent TeleRecovery yet another validation demand asking for full compliance with the FDCPA and have not gotten a response. This company has violated my rights and is breaking the Federal Law.

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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
My fourth quarter taxes that were supposed to be paid by BSI Financial Services, XXXX PA., to my township were not paid on time. In turn, the town will be auctioning my tax lien on XX/XX/XXXX. I have not been able to get an answer as to why it was not paid from my escrow acct. There is enough money in the account. I was given numerous different stories about it being sent by electronic transfer, first class mail and express mail, all wrong information because it was never sent. Customer care supervisor has not returned numerous messages left. I have not been given an exact reason why the payment wasn't made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TX

Complaint narrative:
when asking XXXX  to remove address they just change my address by combining the zip codes false removal process please have them correct it see attachments all ftc filed : XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute OFFICE OF THE ATTY GENERDispute U.S. DEPARTMENT OF EDUCATION

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 2020-12-16 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: TX

Complaint narrative:
when asking experian to remove address they just change my address by combining the zip codes false removal process please have them correct it see attachments all ftc filed : XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute OFFICE OF THE ATTY GENERDispute U.S. DEPARTMENT OF EDUCATION

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 2020-12-16 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation