vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: FL

Complaint narrative:
The account listed as past due with XXXX XXXX XXXX XXXX XXXX is inaccurate. The account was a HELOC and now has been adjusted to a fixed rate 2nd mortgage. The account is current and being paid as agreed. Correct this mistake ASAP XXXX XXXXXXXX XXXX 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 2021-02-01 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: FL

Complaint narrative:
The account listed as past due with XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate. The account was a HELOC and now has been adjusted to a fixed rate 2nd mortgage. The account is current and being paid as agreed. Correct this mistake ASAP XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Repeaditly calling all throughout the day while I'm at work. Leaving messages on my voicemail saying they are trying to serve me papers, leaving messages on my wife 's phone saying they're trying to serve me papers. They calling from different numbers so, I don't know what is what. I'm struggling right now in this pandemic so I'm in able to make a payment right now and it's really nerve wrecking. The calls come everyday. I check my credit report weekly so I know what I owe and who I owe. 

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 2021-02-01 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable! I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, I made a purchase with Home Depot for Fencing material. When I made the purchase there was a promotion for 6 months zero financing. It took me over 4 months to receive all the material for the fencing. I spoke to the representative at the store and they informed me it would not be a problem with them extending the special. Well, I have found out that is not the case and they are not able to extend the financing special another six months as promised. Additionally, the initial order was canceled because they were unable to fulfil. They credited my account all fees but the XXXX delivery fee. I have been fighting since XXXX of last year for my refund

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 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harvard Collections, LLC
State: AR

Complaint narrative:
SEND VALIDATION AND CEASE COLLECTIONS ANS CEASE CALLING OUR CELL 31 TIMES FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
AmeriHome Mortgage Company NMLS ID : XXXX Mortgage Loan Specialist : XXXX XXXX XXXX ID : XXXX We were approached by our mortgage company, AmeriHome Mortgage, about refinancing our loan to get a lower interest rate and lower payment. We thought it sounded like a good move for us, so we started the process in XXXX of 2020. We provided all the documentation and by the end of XXXX of 2020 we had signed the documents to refinance our home. We were told that we did not need to pay any money down to close the refinance. AmeriHome told us our new mortgage payment would be {$1100.00} and that our first payment would be in XXXX. We paid this amount in XXXX and XXXX. At the end of XXXX we received a letter from the Title company stating that there was not enough money in our escrow account to pay the rest of our property taxes. We had to pay out of pocket the rest of the balance. I called the initial Loan officer, who started the process of refinancing for us. He answered and said he was surprised that our escrow was in the negative and said he would check on it for us. I received and email back from him that basically said a new escrow analysis would need to be done. I tried calling back once or twice, but I did not receive a call back from him. What we discovered is that they did an FHA streamline refinance and used our escrow account to pay for our closing costs ... leaving insufficient money in our escrow account to cover our annual taxes at the end of the year. Now there is a deficiency in our escrow account and they have increased our payment significantly causing financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/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 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I settled several accounts that was sent to collection. I informed these creditors that my spouse open this account without my knowing however, I was willing to settle with them if they can remove and delete derogatory records from my credit report. They said yes and promised to send me a letter in the mail. The letter never came in the mail and my settlement payments were made. I hope to start XXXX school in 6 months and need private loan to fund my education. Please I needs these derogatory records from my credit report in good faith. I completely paid the amount they agreed on and I was looking forward for a second chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Block, Inc.
State: IL

Complaint narrative:
I use this cash app card I have my direct deposit set up there to receive my XXXX benefits Last month when I received the {$1400.00} deposit it was available upon notification of the text alert This month It's not available or accessible to me after the same notification I am unable to get them to call me Back after request The only line of communication is via email they Do not respond to an email over 12 to 16 hours regarding financial matters So I just don't understand how they can be operating business financial matters This is a government certified fund.. Like this this is a certified fund And when I got the notice on Thursday at XXXX I emailed them I didn't get a response back until XXXX or XXXX XXXX And I've only gotten the same response since. no direct answer or specifics .. The only respond Im getting is generic that they can have it hold and pend for 5 days And I don't understand .. business days or 5 Regular days? Not to say it's acceptable but they're not giving any real good information They wont email and say more just they release money at the time that they receive it so I'm getting two different stories They said they give the money when they receive it but this clearly not happening in this case Here 's another issue I recently went to a club gave them my card and they billed me the wrong total I contacted the cash App group and email them the concern they Laid on that issue for 2 weeks to a month I finally got a Email communication and they told me to fill out the same information that I already had which was my complaint the date time and transaction detail so they push it out even longer From there I got an immediate response Advising me that the {$29.00} have been credited back I thought great this is over But Then And they proceeded apparently Cancel my card I didn't realize that until I was at the store a couple of days later and My card declined I put two and two together and assumed that because they finally addressed and resolved that issue of my Prior

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I saw a collection put onto my credit for {$1000.00} dollars for a medical bill that has nothing to do with me. I have not owed for any medical related bills in years and havent seeked medical attention since. I filed a dispute with experian and they deemed it as valid. I then called the collections agency, medical data systems, and they told me that someone with the same last name but a first name ( XXXX ) that Ive never heard of used my information on XXXX XXXX on XXXX XXXX. They had an address Ive never heard of and I do not recognize this person at all. I tried getting in touch with the hospital related to the account but they had no records of me and therefore would not help. Please help me get this off of my account.

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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
In response to the letter from Selene Finance dated XX/XX/XXXX and CFPB previous case # XXXX I am uploading new paperwork and correcting a few inconsistent statements made by Selene Finance : On XX/XX/XXXX I had written the letter ( hereon attached ) regarding wrong escrow calculations made on XX/XX/XXXX, and I had enclosed proof and correct escrow calculations. I had talked to Selene Finance at the beginning of XX/XX/XXXX and was told that the response to my letter I should expect within 5 business days. As of today, XX/XX/XXXX I did not get any response, on top of all, they DID NOT apply the mortgage payment I had mailed in, basically saying that I did not make my mortgage payment on time. 
If Selene Finance is unable to handle and calculate my escrow amount correctly, I am willing to pay my r.e. taxes and insurance on my own. 
Please, help me out dealing with this lender as their ineffective ways and practices cause a lot of unnecessary stress. 
Thank you XXXX XXXX XXXX direct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Please REMOVE THE FRAUD ACCOUNTS ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. JPMCB - AUTO FINANCE, Inquiry : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX, I request a valid Permissible Permission used to access my credit report on XX/XX/2017. XX/XX/XXXXand Experian need to validate permission.

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 2021-02-01 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received investigation results.

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 2021-02-01 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. ALLY FINANCIAL, INC, Inquiry : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
AmeriSave Mortgage did all the processes for my refinance but never was approved, they pull {$500.00} Dollars from my Credit Card on XX/XX/2020 for services that I never received. They want us to pay at Closing almost {$7000.00} Dollars for Closing costs to receive a low interest, we pay the {$7000.00} that AmeriSave was asking for closing costs on the existing Loan we have and my existing loan we be pay in five years. We call AmeriSave and Cancel the Refinance and they agreed to send me back the {$500.00} they took from My Credit Card but they never did. 

We still waiting for AmeriSave to refund to me money they took from my Credit Card for services we never received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name and birthdate was wrong for maybe twenty years and it affected my scores for all those years and transUnion refused To investigate it. TransUnions credit scores have always been 40 - 50 points below the other credit scoring agencies. The wrong information for all those years is one reason why. XXXX doesnt do anything to investigate and for that reason TransUnion does nothing to correct their mistakes. All the three credit scoring agencies discriminate openly because there isnt government regulation or investigation. These credit scores have held XXXX down forever and with President Biden pledging to stop this and leveling the chances for all. Credit scores are the number one reason people of XXXX are kept from getting things XXXX in the same situation have. Since the trump administration changed the culture from when Obama led the cfpb and helped cunsumers to the present when nothing is done. The Credit Agencies should be run by the federal government because of the affect it has on peoples lives. We know nothing about who are running these agencies and it is on purpose. I am sure this will not be publicized or acted on but I will send this complaint again if I dont hear any response, when the president has time to put others on this agency who will not allow any agency to discriminated

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 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information.

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