vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone that I don't know created multiple credit card accounts without my permission. I am suffering from identity theft. I discovered this problem after reviewing my credit report when I was planning on purchasing a new home. 
I don't have any clue or leads where this crime may have occurred. To resolve this problem, I written a letter to credit bureaus and I filed an identity theft report to Federal Trade Commission. Even though I have submitted what I can to three credit reporting agencies, all three companies are still reporting few accounts without validating and verifying account 's originality. I have requested to provide and reviewing the following documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have never received any of these requested documents from the creditors nor the credit reporting agencies. It is a clear violation of FCRA and FDCPA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE ADDRESS 1. XXXX XXXX XXXX XXXX, TN XXXX 2. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 4. XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

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 2021-01-07 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:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
reached out to midland credit management over the phone on XX/XX/2020 @ XXXX XXXX  about them reporting information on my credit report thats doesn't belong to me. i asked them for validation of the debt NOT verification of the debt. 

Im requesting this company provide documents as stated in the letter i sent out on XX/XX/2020, which they have 30 days to provide me with the request that i asked for this company has violated my rights by reporting on my credit report before i had the chance to request for VALIDATION NOT VERIFICATION of this debt. 

im requesting this company to remove information from my credit report, due to insufficient valid information. 
also code 1692e ( 8 ) this company has not reported that this account is being disputed documents of what was purchase, detailed invoice of how they cam up with this amount. 

purchase agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Client was looking to do a loan modification. A company called XXXX XXXX XXXX contacted him. He sent approximately {$4100.00}. He reached out to his mortgage company and they said they were not familiar with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
Around XX/XX/XXXX I received a letter in the mail from my Mortgage company stating my XXXX payment was short some {$300.00}. I promptly called them to ask why my fixed mortgage payment was suddenly short and the response was they felt my escrow account would be short and it needed to be adjusted. I asked for an accounting of how they got to the numbers they were quoting since no tax assessment had been made since I moved in to my property in only XX/XX/2020. I also indicated that I paid my own home owners insurance and it should not be factored into their escrow accounting. After spending about 45 minutes on hold, I was told to prepare an e-mail on their web portal and provide documentation of the home owners insurance payment. I did this and received no notification or follow up to how or what the new escrow amount would be. I continued to make my XXXX and XXXX mortgage payments without issue until this morning when I was notified by my bank that my XXXX payment would be returned from my mortgage company. I am currently back on the phone with them asking why I can not be notified of the current escrow account balance and what the new balance should be. I also want to know why they are returning my XXXX mortgage payment without notice. 
Since AmeriHome Mortgage has taken over my account, they have been unhelpful, uncommunicative and most importantly dangerous to my credit and good name. If this results in a negative report on my credit I hope there is something you can do to put them on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXXXXXX XXXX i paid off in full - still showing in collections

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 2021-01-07 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: AL

Complaint narrative:
XXXX XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I have filed for police report and sent these to the credit bureaus for couple of times.

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 2021-01-07 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: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXXXXXX XXXX  i paid off in full - still showing in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: KS

Complaint narrative:
XXXXXXXX XXXX  i paid off in full - still showing in collections

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 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: IN

Complaint narrative:
Money was taken that I didn't owe out and didnt know why or how. My credit score dropped. Numbers on my file I don't own or have ever owned by

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 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The company responded to my complaint XXXX with documentation which has already been provided. I requested for the company to send all records including how the account was acquired including my signature. The company XXXX is not reporting on my credit reports with the three credit bureaus due to my ex-wife opening the account in my name without my permission. My intention was to acquire more detailed records of this transaction so I can pursue further legal action of identify theft since my ex-wife has done this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This account was included in a payment arrangement in XX/XX/XXXX ; actively paying XXXX a month non stop. The account was recently ; added to the my credit report as a collection. I spoke with XXXX XXXX and they told me that this particular amount of {$110.00} was added to my account in XX/XX/XXXX and the reason the amount of {$100.00} was added to my account was because I didn't approved the new amount be added to the payment arrangement. I was told on XX/XX/XXXX that this XXXX of my recent payment of XXXX auto draft went toward the {$110.00} bill. This morning I spoke with XXXX at Bull City and he said there was a system glitch with how the system was able to take the {$8.00} out of the recent payment ; and send the remaining amount to collections. 

This account has been paid in full ; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2021, I checked my experian credit report online because i got a alert saying my credit score increased to XXXX.On XX/XX/2021, I got a alert saying my credit score decreased to XXXX with a 7 point decrease.From what i understand, credit scores are done on a monthly basis and for a score to decrease in 3 days of a increase doesnt seem correct.This didnt happen on my other credit reports

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 2021-01-07 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: AL

Complaint narrative:
XXXX  Equifax and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I have filed for police report and sent these to the credit bureaus for couple of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I defaulted on my student loan and completed the loan rehabilitation process. On XX/XX/XXXX I logged into my account to see if there was a statement so I can start paying off the loan. I realized it said that the whole loan amount was due. I immediately called UAS and was told that they would reach out to a representative to inquire about a payment plan and to call back in a week if I havent received anything. I didnt hear back so I called back on XX/XX/XXXX to follow up and I was told that the representative still hadnt gotten back to them. I stated that I want to be on a payment plant because I do not want to default again. I was told that the only way to get on a payment plan was to fill out a financial hardship form which I submitted today XX/XX/XXXX, however my account is showing late charges and I have tried calling and am just on hold and am unable to speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This is a complaint against Loan Depot. It is a long story but here we go, my husband and I purchased a home. The previous owner had a lien on the home because he took a loan for the installation of solar ( we did not know this at the time of purchase, it was not disclosed by the MLO ). This lien is charged to the property taxes and taken from the escrow account. The previous owner paid of the solar once our mortgage funded. Since the payoff was done after XX/XX/XXXX ( which is the cut-off date for Property Tax Assessment ), the tax assessor kept the charge on the Property Taxes even though the solar was paid off, hence double charging for that payment ( Once in the payoff and once in our property taxes. Which led to the lender, ( LoanDepot ) collecting that money from us, deducting it from my escrow account and paying my Property Taxes with that fee included. LoanDepot sells my loan to XXXX. I talk to the Tax Assessor 's office, and the county and they say it is the loan company 's responsibility to pay me back. I proceed to get the property taxes on my property, the release of the special lean, from both the solar company and the loan company ( XXXX and XXXX, on behalf of XXXX XXXX  XXXX, as well as a California Parcel Payoff Quote that reflects that the solar was being charged to my property taxes. I send this information to XXXX and LoanDepot ; XXXX  refunds their half of the fee almost immediately since they made the 2nd installment on my property taxes, but LoanDepot, who made the 1st installment, will not refund me. I have been in contact with them since XXXX of 2019, trying to settle this. They go without responding for months, they send me to different departments over and over again. It has been over 6 months now that I have heard anything from them. My husband is in the military and we are going to move soon, overseas and I can not have this unresolved before I leave. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I was contacted by PHEAA in regards to a wage garnishment placed on my paycheck due to outstanding debt XX/XX/2019. They said they were representing AES and the US department of Education in regards to my student loans and that to resolve " all '' of my student loan debt and it was all, I asked several times, I would need to complete an aggressive repayment plan which I completed. Before completion, I was informed by a different agency that all of my student loan debt wasn't included. I am now working with XXXX and XXXX to settle the debt I thought was already settled. I can pay the full rehabilitation needed to be paid in full to rectify credit standings with XXXX and XXXX. 
I was approved for a construction loan until this debt ( that I had aggressively paid on time through rehabilitation ) was flagged on a report. I am not saying I don't owe the debt. My issue is if I am told all my federal student loan debt was included by an acting representative of the US Dept of Education only to find out it is not, is fraudulent and very misleading. I have asked for guidance with this and have been sent to the various subsidiaries of US Dept of Education super conglomerate only becoming more confused. 
I am now paying 11 percent interest on a loan because I was unable to get a construction to mortgage loan, because I trusted the word of PHEAA and AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 IS NOT A DUPLICATE : Back in XX/XX/2020, I wrote to Experian contesting items I believed were inaccurate. They mail me a report that stated the inaccurate items came from a US BKPT Court. I wrote that bank via certified mail using the address that Experian listed in their report. Much to my chagrin, that letter came back to me returned to sender due to the address was unknown. I will attached the documents

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 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. 

Spire Recovery Solutions has left me a voicemail on XX/XX/2020 without stating who they were, their company name, and what their purpose was.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.

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