vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, we bought a home and was told in the closing that we were on a fixed escrow. At the closing if the mortgage, we were informed that our contract had to be honored, regardless who bought our mortgage. Include in our mortgage plan is as follows : Principle and Interest- {$470.00} Hazard Insurance Reserve- $ XXXX County Property Tax Reserve- {$32.00} Monthly PMI/MIP/USDA Reserve- {$61.00} Flood Insurance Reserve- {$74.00} Everything in the included escrow plan above equals {$730.00}. After 1 month of closing, Plaza Home Mortgage Incorporation bought my mortgage.After a year of service, the company didn't pay our insurance both, flood and homeowners insurance. After being informed that our policies had been canceled, I contacted the company but was unable to get the matter resolved. Plaza Home Mortgage Incorporation informed me that they didn't know who to send the money to. I reminded a Plaza Home employer of the contract and they informed me that they would send a payment to both companies. I followed up with insurance agencies to see if my premiums had been paid but I was informed by both companies that a payment was not sent to them. I contacted the company again and they informed me that the money was sent in later. Plaza Home Mortgage Incorporation has for-fitted the contract. Neither insurance agency company was paid. Although the money was taken monthly, my insurance policies were not paid by Plaza Home Mortgage Incorporation. Plaza Home forced placed insurance on us and our new mortgage payment XX/XX/XXXX will be {$1000.00} a month. As stated earlier, we were informed at closing that whoever bought our mortgage would have to honor the contract. We were fixed on a 30 year plan, paying the amount of {$730.00}, unless property taxes rise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # to JH Portfolio Debt Equities which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX   XXXX XXXX Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX  XXXX XXXX with Experian and XXXX for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I settled my credit card debt with Wells Fargo for {$680.00}. I received no documentation or proof of that this debt has been settled. I only have a bank account statement that shows the payment has been processed. It is my right as consumer to receive documentation that the debt has been settled and an agreement that I will no longer be harassed by debt collectors. I called Wells Fargo on XX/XX/XXXX several times and went into the bank on XX/XX/XXXX asking for proof that my debt was settled or a statement showing me how much I owed on the account so I could pay it. They not only refuse to give me proof that my debt ever existed or was settled, but they have denied me online access to my account which once showed my balance and gave me a way to pay 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 2018-11-05 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX   XXXX XXXX with XXXX and Transunion for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I discovered an item on my credit that was opened in XX/XX/2013 the account in question is a Motorcycle loan from Harley Davidson. 
An ID Theft Report was filled out, and sent to the major CRAs XXXX, XXXX, XXXX. It should be noted because XXXX is now attempting to be in the CREDIT REPAIR BUSINESS they are violating privacy laws sending affidavits to various organizations without the permission of the victim. I requested the CRAs block fraudulent information resulting from identity theft, as required by Section code 605B Block of the Federal Credit reporting Act.. XXXX refused to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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 discovered an item on my credit that was opened in XX/XX/2013 the account in question is a Motorcycle loan from XXXX XXXX. 
An ID Theft Report was filled out, and sent to the major CRAs XXXX, XXXX, EQ. It should be noted because XXXX and EQUIFAX is now attempting to be in the XXXX XXXX XXXX they are violating privacy laws sending affidavits to various organizations without the permission of the victim. She requested the CRAs block fraudulent information resulting from identity theft, as required by Section code 605B Block of the Federal Credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX has been non-compliant with removing the unverified account SYNCB/WALMART which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/WALMART was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-05 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-11-05 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: DC

Complaint narrative:
This balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in XX/XX/2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 2018-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC.
State: MI

Complaint narrative:
Monday, XX/XX/2018 To whom it may concern, I have a mortgage with Summit Funding Servicing. My loan was transferred to Summit Funding Servicing in XX/XX/2018. I have had to contact them at least one time per month, beginning in XX/XX/2018. To encapsulate, for three of the five months that my loan has been with Summit Funding Servicing, I have had to call them to point out that they had made the error of withdrawing double escrow payments. I am reporting Summit Funding Servicing because per customer service the error will be made monthly and will not be corrected unless I call monthly. Also, I truly believe that other consumers may not be aware of this error or the need to contact Summit Funding Servicing monthly to ensure that the error is rectified.

My monthly mortgage payment totals {$1400.00} out of that {$410.00} goes toward escrow. Monthly, the Department of HUD Mortgage Insurance receives {$140.00} from escrow leaving a remaining balance of {$270.00} to go into my escrow account to pay for my taxes and homeowners insurance. However, Summit Funding Servicing is taking the Department of HUD Mortgage Insurance payment of {$140.00} from both my initial payment for the month, which is always documented in the payment history, and an additional {$140.00}. There is never a formal record/documentation of the second {$140.00} that was removed, just missing money from my escrow account that is meant for my taxes and homeowners insurance. Meaning Summit Funding Servicing takes {$280.00} until I call and review my account with one of the customer service employees. When I called, on XX/XX/2018 I told a Summit Funding Servicing customer service representative and her supervisor that I would be reporting them and on XX/XX/2018 my account was updated to state that the additional escrow payment was withdrawn on XX/XX/2018 ; although, I had not made XXXX 's payment, yet. 
I want you all to not only rectify my situation, but to do a full investigation to ensure that other consumers are not being cheated. I should not have to call my mortgage company monthly to have my account corrected. I should be able to go online and obtain an up-to-date, accurate copy of my payment history that includes any additional funds, or withdrawals ( i.e. tax and/or homeowners insurance payments ).  Also, most months I pay extra money towards my escrow, and principal as well. However, it is never reflected in the month that I paid it, my account reflects the additional funds in the following month instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: GA

Complaint narrative:
I have disputed the late payment status reported on the account I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: GA

Complaint narrative:
I have disputed the late payment status reported on the account I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-05 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: GA

Complaint narrative:
I have disputed the late payment status reported on the account I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-05 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: SC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : 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 2018-11-05 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: Colony Brands, Inc.
State: DC

Complaint narrative:
This balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in 2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-05 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: SC

Complaint narrative:
I have disputed the late payment status reported on XXXX XXXX XXXXaccount I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: SC

Complaint narrative:
I have disputed the late payment status reported on XXXX XXXX XXXXaccount I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-05 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: OH

Complaint narrative:
Starting from XX/XX/2018 Transunion has continued to incorrectly report my two accounts at XXXX XXXX XXXX as closed by my request. I have disputed this information as incorrect multiple times, do to the fact the accounts are not closed, to date they are still reporting incorrect. I also called my credit card company who verified the status is incorrect. In return this is impacting my credit score.

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 2018-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to delete all my current information off of my credit report. This is ridiculous. This has been an ongoing problem. I sent them a dispute a while ago explaining this. And now on top of deleting current information. They also readded an old file that had been removed. A collection account from XXXX. This had been removed over 1 to 2 years ago. And the collection from XXXX was deleted by the company..please removed all of this errorenous information from my credit file. 
1. XXXX XXXX-correct 2. XXXX XXXX-correct informaiton needed to be added a back 1. XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX

Company response to consumer: Closed with non-monetary relief