vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-31 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: VA

Complaint narrative:
The issue with XXXX XXXX XXXX XXXX and The XXXX Credit Bureau ( Experian, XXXX and XXXX ). 

I had XXXX XXXX XXXX loan which was an installment account that has to be paid in 5 years plus lone term with a set number of scheduled payments and it was ended on XX/XX/2021 with my last payment of {$490.00}. But, it reflected in my credit report as paid in full & closed as a result My credit score dropped XXXX points by Experian, XXXX points by XXXX and XXXX points by XXXX. The irony is my payment history in this account is 97 % and the length of this account history is also more than 5 years which both have 35 % and 15 % respectively to impact my credit score positively. But, this never happened in the last 5 years instead when the last payment schedule done my credit score dropped because of the terminology " Closed ''. yes this account is installment account not revolving credit account like a credit card which can be used continuously from month to month with no predetermined payable schedule so why they use closed to harm my credit score? why i never had a single point increment in the last 5 years? 
Therefore, I need CFPB to investigate this matter and address my concern as well as help me get back my dropped score as well as the positive impacts in my credit score in regard with this account that i have done excellent job in the last 5 years plus.

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 2021-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
Fair collection and out, reported to my credit report, I do not have a contract with this third-party debt collector. The company can not produce a contract between Fair Collection and Out and I ( sent cease/desist ) ; Fair Collection and Out can purchase my debt, but not my personal information ; this id a infringement of my rights to privacy ; If the debt was sold, I have a right to know how much it was sold for, the commission amt. If the debt was fulfilled ; if insurance covered the debt ( premium/collateral ). Violates 15 usc 1692 ( e ) ( 11 ), 15 usc 1681 thus, if a bad debt was furnished to any consumer credit reporting agency, my reputation is in fact ruined ; oppression/hardship is real.

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 2021-10-31 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Service is reporting that I still have a collection with them even though the account is paid in full. This was paid in XX/XX/2020. The collection agency is still reporting to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: CA

Complaint narrative:
There has been fraudulent assignments by XXXX, XXXX  XXXX, XXXX XXXX  ; XXXX XXXX XXXX and stolen against my property ( ies ) at XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX Nevada XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I demand a FULL investigation and criminal prosecution against ALL parties involved in defrauding XXXX & XXXX XXXX for profit since XXXX current. Under ALL Federal mortgage & bankruptcy codes, Especially XXXX laws! 

XXXX XXXX XXXX

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 2021-10-31 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: CA

Complaint narrative:
There has been fraudulent assignments by XXXX, XXXX  XXXX, XXXX XXXX  ; XXXX XXXX XXXX and stolen against my property ( ies ) at XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX Nevada XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I demand a FULL investigation and criminal prosecution against ALL parties involved in defrauding XXXX & XXXX XXXX for profit since XXXX current. Under ALL Federal mortgage & bankruptcy codes, Especially XXXX laws! 

XXXX XXXX XXXX

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 2021-10-31 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: MN

Complaint narrative:
In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to XXXX. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

XXXX of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.

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 2021-10-31 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: MN

Complaint narrative:
In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to 0. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: MN

Complaint narrative:
In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to XXXX. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the XXXX time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.

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 2021-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
A wrongful foreclosure and I was denied the opportunity of discovery and that is in direct violation of my constitutionally secured rights to due process of law which is a direct violation of your oath of office. 
My credit has been impaired and they have threatened me with the imminent loss of my property despite the fact that I have made all payments in accordance with the loan agreement. 
The mortgage company Failure to give proper notice due to a one-digit wrong social security number that was done at the closing. 
Miscommunication between the lender and me about the social security number then the lender stop processing my payments and stated sending the payment back to me. 
I am a senior with XXXX  XXXX and the mortgage company stole {$55000.00} from me which was an insurance hurricane claim check for the roof and other repairs so I feel that irreparable harm has been done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
The company, NCB Management Service, started reporting a collection account to my credit on XX/XX/XXXX in the amount of {$4700.00}. This is reported to XXXX and XXXX. I have sent countless letters to the collector stating that this debt does not belong to me. I have asked them to verify the debt and they sent me an agreement between me and some company called XXXX, this was back in XXXX of this XXXX. Bear in the mind the agreement had no signature from me stating I agreed to do business with this company. I have been a victum of identity theft in the year of XXXX. I had one account that I was able to have removed after providing a police report to the company. I'm curious if this account is similar to the other account, however I have no way of knowing as the company fails to provide me any additional details outlining why they are verifying this account as accurate. I sent in a letter on XX/XX/XXXX exercising my right under the FCRA to receive documented proof that I, the person they are proclaim own this debt, have a legal binding contractual obligation to pay this alleged debt. It has been over 30 days and they have not complied for the FRCA in providing the requested documentation. I have received no response from them. I have told them this was identity theft and yet they have continued to report this inaccuracy on my consumer report, thus preventing me from utilizing my credit for future purchases. This is my next solution before I file a small claims law suit for Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Parctices act including but not limited to Section 807-8, and Violation of the fair credit reporting act including but not limited to section 623-b. I'm including the credit reports for the collection accounts and the police report of my identity theft for that year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: PR

Complaint narrative:
Im trying to unfreeze my credit since Im trying to buy an apartment and the bank requires that they see the Equifax credit score. Im frustrated because I sent Equifax the necessary documents 10 days ago and they said that they can process those documents in 5 business days, its been 7 and nobody can tell me if theyve arrived. Fax or mail are not reliable modes of communication, I must be able to have my credit available whenever I want and resolve any issues whenever i want when I am who I say I am. I understand security concerns but this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 request for method of verification was requested but not received. On XX/XX/2021 a complaint was filed with CFPB regarding not receiving the requested method of verification. Another letter was sent out on XX/XX/2021 regarding the dismissal of my request. This is now 4 failed attempts and at this point I feel like there is not even an investigation happening, if there were then I'd have the documentation I am requesting. As a consumer, the reporting credit bureaus have failed me.

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 2021-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
I contacted PHH Mortgage to do a refinance of my mortgage. After collecting some information from me about my mortgage, PHH mortgage specialist XXXX told me she could lower my interest rate. The rate would change from 5 percent to 2.75 percent. Then she proceeded to tell me that I had a modification on my current mortgage that extended the terms of my loan to 40 years. So if she proceeded with the refi to lower interest rate from 5 percent to 2.75 percent, my mortgage would only decrease by XXXX dollars. I then contacted PHH mortgage and spoke with another person who told me I only had 15 years left on my mortgage. PHH refuses to allow me to lower my interest rate, I wonder how many other minorities loan holder are treated this way, I spoke with mortgage company on XXXX or XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to Experian regarding inaccuracies in my credit file and still nothing has been done. XXXX XXXX XXXX XXXX is listing an account incorrectly. Account number XXXX. While the statute of limitations for this debt have expired in my state, the information is not accurate and there are discrepancies. An entire year of payment history is missing from XXXX of which the account was opened. The first delinquent payment was not until XXXX, as such, 7 years from the date of first delinquency would mean this account should be removed from my credit file in XXXX of XXXX and they are continuing the account listing it until XXXX of XXXX. I have expressed to Experian that due to the on time payments missing and an entire year of data missing from my file this is a defamation of character and a major inaccurate reporting of my credit. This huge error and discrepancy along with this taking longer than the 30 days should result in deletion of this credit line in my credit file. I have constantly checked the experian site and it just has nothing but issues.

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 2021-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
Better Mortgage originated my home loan and now I'm receiving mortgage bills from 2 separate servicing lenders : XXXX XXXX XXXX and XXXX XXXX XXXX. Not only am I receiving bills from both, but my credit report shows that I have 2 separate mortgages. I only own one home. I've attempted to contact the lender about this but they said they couldn't answer my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Loan Servicing Complaint - Loan Servicing Mismanaged Excess Escrow Due To Incorrect Escrow Calculations Excess Deferred Payment Balance Due To Incorrect Balance Calculations Refusal To Correct These Calculation Errors Multiple Attempts To Bully And Coerce Me Into One Of Their Other Loan Programs Loan Particulars Wells Fargo Bank is the mortgagee on a loan with a balance of approximately {$270000.00}, secured by residence my at XXXX XXXX XXXX, XXXX XXXX VA XXXX. Wells Fargo is also the escrow agent for real estate taxes and hazard insurance associated with the property. 
The loan was originated XX/XX/XXXX. Loan payments were suspended under the CoVid 19 Relief and Omnibus Spending Bill beginning with the XX/XX/XXXX payment. 
Every payment required on this loan has been paid in full, on time. 

Real Estate Tax Relief - County of XXXX The combined effects of the Covid economy, personal injury requiring extended hospitalization and rehabilitation, reduced my income such that I was granted real estate tax relief for calendar years XXXX, XXXX, and XXXX ( upon certification of eligibility before XXXX XX/XX/XXXX ). 
In accordance, the County made the following refunds to Wells Fargo as the escrow agent : Calendar Tax Year XXXX Refunded {$5000.00} on XXXX XX/XX/XXXX Refunded of {$5300.00} on XXXX XX/XX/XXXX Calendar Tax Year XXXX Refunded {$5100.00} on XXXX XXXX Implications of Real Estate Tax Relief Tax relief has resulted in an excess escrow balance, an overstated suspended payments balance, and an incorrect calculation of payments due. 

Refusal To Cooperate Bank Denied My Request For New Escrow Analysis. 
Instead the bank tried to bully and coerce me into another of their financial programs. 

Refusal to Refund Escrow Overage Pursuant to the Regulation X 1024.17 ( f ) 2 In the case of escrow surpluses the escrow agent must refund them in 30 days. 
The bank claims the loan is delinquent. The loan has never been delinquent. Suspended payments are not delinquent payments. Suspension was granted by 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 non-monetary relief