vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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:
on XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30days gives me reason to immediately remove those from my credit report it has been 60days so they should be deleted promptly. I demand these accounts be immediately deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
We purchased a home XX/XX/XXXX. Opening balance with PennyMac was {$320000.00}. 
We made payments on time up until we went into forbearance. We resumed regular payments for a period of time again, then again went into forbearance. As of XX/XX/XXXX our principal balance was {$320000.00}. XX/XX/XXXX we sold the home. The Payoff to PennyMac came back as {$330000.00}. Not only did we have that payoff, we had a payoff to HUD for {$7800.00} that we were told was paid to PennyMac for the forbearance. In total we paid off {$340000.00} at closing. 
I put in a phone call to PennyMac asking how we owed over {$11000.00} more than what we opened the loan. PennyMacs online payment details were extremely hard to follow, and the customer service agent couldn't even make heads or tails of it. He told me he felt like we should not owe the additional {$7800.00} to HUD and that we were being overcharged at payoff. That being said, he couldn't give me any more guidance other than to contact HUD and talk with the Title company. Needless to say it has brought me to this point. I have had no adequate explanation or documentation from PennyMac as to how we owed so much money at closing. 
This home is now closed, and PennyMac and HUD paid off as we could not close on the home without doing so. I am asking for a review and an explanation and/or reimbursement of overpaid funds to PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
I mailed my dispute letters to the credit bureaus XX/XX/2021. It has been more than 30 days since then no dispute results yet. This is a violation of my rights and these negatives account need to deleted.

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 2021-07-14 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: FL

Complaint narrative:
I mailed my dispute letters to the credit bureaus XX/XX/2021. It has been more than 30 days since then no dispute results yet. This is a violation of my rights and these negatives account need to deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I was sent an email from Bridgecrest stating I had until XX/XX/2021 to make the final payment on my loan or my account would be reported as a 30 day late with all 3 credit bureaus. I made a {$500.00} payment on XX/XX/XXXX, and a payment of {$200.00} & {$400.00} on XX/XX/2021. Those payments paid off the loan and the account was closed. I called to confirm and was told I did not owe anything additional and the loan was satisfied. I received a notification from all 3 bureaus that a had a new 30 day late from Bridgecrest. I reached out to Bridgecrest to ask why, but was given an answer that did not make sense. Was told they reported my account status on the report date, however, my loan status as of XX/XX/XXXX was paid in full, not 30 days late. They refuse to correct the information so I am asking for help. I will not be allowed to close on my home loan with a new 30 day late, which is inaccurate.

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 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Disputed this collection on my report from Amshercollectionservices For the amount of {$2800.00} This is from a Busniess account that is not associated with me in any way nor do I work for this company. I have disputed this last year in XXXX and it was removed and than placed on my account this year in XXXX. I havent sent several letters asking them to remove this from profile and have not received any letters back in regards to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
On XX/XX/2021 I filed a dispute with Experian as they have incorrect information on my report which has affected my credit score and ability to get credit. report # XXXX. I also emailed the president of experian XXXX XXXX on XXXX XXXX XXXX. 

I applied for financing for an auto loan on XX/XX/2021 with XXXX They contacted XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX. On my credit report it states that i have three hard inquiries as a result of me trying to get a car loan. The law says that a dealership may have sent your loan application to multiple lenders to find the most favorable interest rates. If they all fell within a window of a few weeks, they will be considered rate shopping and will only count as a single inquiry in credit score calculations. Experian has counted them as 3 inquiries thereby impacting my score. The inquiries were all on the same day. This has also happened with XXXX and XXXX  which I have not filed disputes with yet.

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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting accounts on my credit file that are no longer owed. I ask that they remove these accounts as they have been satisfied. I am aware that Express Recovery can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce removal of this debt, not excluding legal suite against Express Recovery. Please remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My mortgage company SLS ( Specialized Loan Services ) keeps reporting my payments as late and even has put on my account serious delinquencies even though we have always paid on time.

This has caused our credit score to drop and other companies to deny us loans or credit card.

This began at the beginning of this year. On XXXX we made a payment over the phone. A month later we got a notice on our credit reporting agencies saying that our mortgage was over 30 days late. 

In XXXX SLS offered us a chance, because of Covid, to skip a payment. We applied for this and got it approved. We have documentation of that.

The next month we paid on time and SLS was fine with that and did not report it late.

We contacted SLS on XXXX and told them this and they said it was because my payment on XXXX was for XXXX and I was month behind. When I sent them my bill payment that I made in XXXX they for some reason had taken my payment but never accredited it to my mortgage. Then they demanded that we pay two mortgage payments to get back in current status.

When I showed them the letter stating that they had approved of us skipping a payment they then corrected our account and placed it as current.

The problem was the delinquency was still showing on our credit. This has stopped us
from getting any further credit like car loans and could even affect us getting a job.

I have attached as proof the delinquencies that have shown up on credit even though we have always paid on time every month.

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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
To whom it may concern, I am contacting you because I have found some information that is inaccurate on my Experian credit report. Experian is reporting a late payment on XX/XX/2020 on a XXXX  XXXX account, i called and sent letters to Experian on XX/XX/2020 -XX/XX/2020 they did not respond I was not late on XX/XX/2020. I request that they verify the information and update the payment history on this account as PAID, NEVER LATE immediately. But they have refused.

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 2021-07-14 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: FL

Complaint narrative:
This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of XXXX. I demand this account is deleted immediately from 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 2021-07-14 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: FL

Complaint narrative:
This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of XXXX. I demand this account is deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have sent information to both the creditor & credit bureau regarding this violation. Holloway Credit Solutions has violated my HIPAA rights. I have never consented with the above collector on any terms to access my personal medical records. I have notified the reporting bureau on several occasions about this situation. Holloway Credit Solutions did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
This account is NOT mine! This is my 6th time reporting this information without any resolution! Remove this as its defaming my credit report and myself as a consumer.! 
Account # XXXX NOT MINE!

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 2021-07-14 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: LEXISNEXIS
State: MD

Complaint narrative:
LexisNexis is reporting a lot of inaccurate information on my accurint report and supplying it to its clients i have disputed the item due to inaccuracy I 1st submitted my dispute in XXXX we are now in XXXX it has yet to be corrected here are my complaint # s as proof of my disputes complaint # XXXX XXXX 2nd # XXXX XXXX i need an updated copy of my report showing these in accurate information has been deleted off my accurint report will be attaching a copy of my most recent dispute along with other information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Ordered XXXX for a trial offer of {$29.00}. The website states " 100 % Money Back Guarantee '' and " Hassle-Free '' returns. On homepage of their website there is NO hyperlink to review details of either statement. The credit card company has closed the issue without refunding any payments taken from XXXX. XXXX refuses to accept the product ( s ) for refund, XXXX refuses to refund my money, XXXX refuses to accept the product to be returned. Schools failed to pursue due diligence prior to closing this dispute.

I have additional attachments ; however, due to size am unable to upload documents. Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
This account is NOT mine! This is my 6th time reporting this information without any resolution! Remove this as its defaming my credit report and myself as a consumer.! 
Account # XXXX NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX, XXXX, or XXXX  ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
they will not update my score please make them fix it : FCRA violations : see attachments for Major Violations continued by this company EXP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Panteris & Panteris, LLP
State: FL

Complaint narrative:
I requested validation of debt from this company several times and have received any. 
following is violated as of today : 1692 c After written notification that consumer refuses to pay debt, or that consumer wants collector to cease communication 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law

Company response to consumer: Closed with non-monetary relief