vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: NV

Complaint narrative:
On XX/XX/2019 we closed on a property we purchased. The closing documents we signed on that dated indicated one amount of {$1400.00} for the total mortgage. We later on received a mortgage statement dated XX/XX/2019 from a new mortgage company with a new mortgage payment amount of {$1500.00} that was to start on XX/XX/2019 with no explanation of the change. After several phone calls to the new mortgage company, a response was sent XX/XX/2019 was a copy of a new closing disclosure form dated XX/XX/2019 that we hadn't seen before nor agreed to that contained new amounts which changed our original mortgage payment. This was done without our knowledge or consent. There is no documentation with our signatures. I am concerned, that if the loan is sold again, the mortgage can be raised even more. Is this common practice for the mortgage amount to be changed after the original closing date because of changing closing cost? I'm confused and highly concerned on the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
Repeated phone calls over a number of months from Harris Harris debt collectors requesting a call back. I've now blocked three of their lines. No explanation is given for the calls. I'm not about to call some outfit that I do not know without good reason. I have no delinquent or long term debt, including car loans or a mortgage. 
Jail might be a good place for these characters. 
XXXX is the requested callback number. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
I have been audited by the IRS a few years ago and they confirmed that I had paid off all my student loans with the Department of Education in which they sent me my remaining federal income tax check after paying off remainder federal balances. I have also already applied again for another student loan and was approved, which if I did still have an outstanding balance I would have been denied. A year later I received a letter from a collections agency stating that I owe {$5700.00} for an outstanding federal student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
Debt is past statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: MS

Complaint narrative:
Hello I have been have problems with this for about a year, Equifax has refused to take off, information on my credit file that doesn't belong to me first off, i have submitted several documents of my address, and they refuse update info. I have even submitted paperwork of Identity Theft, and again no update of my file. I'm trying to buy a home and this has really affected my ability the get the proper credit needed for that ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX close XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX and refused to return my w2. 
Fifth third bank is running a remortgage scam Tells of approval to recive non refundable deposit Has no intention to remortgage Just ask for the same information many times and wait over 6 months to find a new problem or you become frustrated and quit trying

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: FL

Complaint narrative:
I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for and did not benefit from. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans that I did not authorize and did not benefit from. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transition has on my credit report a Bankruptcy stating that they confirmed their information with the US Bankruptcy CourXXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. They can not provide the individual or individuals in which this information is proving to by correct. As to information given me such courts do not confirm such informatiom. Transition will not let me further dispute this reporting. I am asking for them to provide the person that confirm such information to be true or for them to remove this reporting from my credit report. I asked that they provide the individual, name phone number address or deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XX/XX/XXXX, I moved back into the home at XXXX XXXX XXXX XXXX, Tx due to my ex-wife abandoning the house and letting it go into foreclosure. She had taken sole custody of the home in our divorce in XXXX. Upon moving in, I paid all the leins and began working with XXXX XXXX to modify the mortgage into my name only. I completed all the necessary paperwork to include filing a Quit Claim Deed with XXXX County signed and notarized by myself and my ex-wife giving me the house. During this time, XXXX XXXX transfered my file back to Freedom Mortgage, who was the original loan company. Because of the transfer, I had to completely begin the modification process over, which I did and submitted all the paperwork to Freedom Mortgage. Freedom sent my mortgage paperwork with my name only and I signed and sent it back as instructed. Fast forward 3 1/2 years and I look into selling my home and I find out the modification was never completed and they do not even have copies of the paperwork I submitted to them. I find out my ex-wifes name is still on the house. This has caused huge problems for me and my family. I completed everything I was instructed to complete, twice and it is still not taken care of. Every since I moved into the house in XX/XX/XXXX, I have not missed a single payment by a single day. Now I find out that my credit have multiple 180+ delinquent payments listed from XXXX from Freedom mortgage, which has cause my credit rating to go down. I have attempted contact with Freedom Mortgage several times and I can not get anyone to even call me back. I plan on selling this home and building a new home but I cant until this is cleaned up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 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: TX

Complaint narrative:
ftc violations : sent police report 3 years ago people out there doing bad things with my information the address claim caused XXXX XXXX XXXX XXXX to be late that goes against fair bill act not sending payment to the correct location is against the law to report without giving a fair chance to pay debt. Also XXXX XXXX, XXXX  XXXX account it's law What is covered under the Fair Credit Billing Act? 
The FCBA allows you to dispute charges and temporarily withhold payment without hurting your credit score. If you've been charged for a product or a service by mistake or were overcharged on a recent purchase on your credit card, a decades-old law called the Fair Credit Billing Act can step in to help. 


sorry respect XXXX XXXX XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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:
These aren't mine ... please remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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:
These aren't mine ... please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XX/XX/XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violations : sent police report 3 years ago people out there doing bad things with my information the address claim caused XXXX  XXXX XXXX XXXX to be late that goes against fair bill act not sending payment to the correct location is against the law to report without giving a fair chance to pay debt. Also XXXX XXXX, XXXX XXXX account it's law What is covered under the Fair Credit Billing Act? 
The FCBA allows you to dispute charges and temporarily withhold payment without hurting your credit score. If you've been charged for a product or a service by mistake or were overcharged on a recent purchase on your credit card, a decades-old law called the Fair Credit Billing Act can step in to help. 


sorry respect XXXX XXXX XXXX bless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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:
These XXXX accounts aren't mine. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting that I have XXXX credit card debt, which I do not these accounts are not mine but my twin sister, I have filed this complaint many times and they still keep reporting my sister debt on my credit report. My name is XXXX XXXX XXXX her name is XXXX XXXX XXXX. The XXXX credit card accounts XXXX XXXX, and XXXX XXXX XXXX I do not have accounts with these lenders. When I called the lenders that stated they have the accounts under XXXX name not mine and that the credit bureaus keep mixing us up. Please see the attached credit report. I do not go by any different names on XXXX XXXX or XXXX XXXX XXXX. I also tried every year I have to send my license and birth certificate only to resend it again in a couple of months because they keep getting the data wrong and reporting the insufficient debt. Also, the addresses they have are not correctly associated with my identity. Please see the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ashton & Weinberg, Inc.
State: OK

Complaint narrative:
Received a fax from a Law Firm in Rhode Island claiming that our company was named in a Federal law suit where freight hadn't been paid on orders shipped. When I looked into the matter I found that the company they were claiming we were indebted to ( XXXX XXXX XXXX XXXXXXXX XXXX ) had been paid up front for freight at time of order. The company that contacted my company said that we were still liable since the company that we ordered didn't pay their freight company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: CA

Complaint narrative:
I refer to the above Equifax credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health CarXXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of XXXX Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. See Attachment 02. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief