vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-28 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:
XXXX XXXX XXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.

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 2017-10-28 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:
XXXX XXXX XXXXXXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.

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 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: MIB Group, Inc.
State: TX

Complaint narrative:
On my MIB report from the company XXXX XXXX XXXX XXXX report date XXXX XXXX 2017 states that I have a XXXX XXXX. This report is wrong I have never had this medical condition.. Please remove this false statement from my MIB report. 
Thank you MIB Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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:
I went to college on and off for years which I paid for and my employer paid for. I did not get {$40000.00} in loans to pay for my education. For many years, my credit report has shown where others have used my social security number to get credit cards, take money from my checking account, order on my XXXX credit card, which leads me to know that this to is fraud. I do not owe XXXX {$55000.00} for student loans. This is id theft and someone other than myself profited from student loans that have been linked to my social security number. My mother, nor my sister, never signed any paperwork for me to consolidate student loans according to the paper work that XXXX has mailed to me. This is id theft and it has caused my credit score to decrease from a good credit score to a very negative credit score. Please remove this information from my credit report as it is not my debt. 

XXXX XXXX Police Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: MS

Complaint narrative:
I went to college on and off for years which I paid for and my employer paid for. I did not get {$40000.00} in loans to pay for my education. For many years, my credit report has shown where others have used my social security number to get credit cards, take money from my checking account, order on my XXXX credit card, which leads me to know that this to is fraud. I do not owe XXXX {$55000.00} for student loans. This is id theft and someone other than myself profited from student loans that have been linked to my social security number. My mother, nor my sister, never signed any paperwork for me to consolidate student loans according to the paper work that XXXX has mailed to me. This is id theft and it has caused my credit score to decrease from a good credit score to a very negative credit score. Please remove this information from my credit report as it is not my debt. 

XXXX XXXX Police Report # 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 2017-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Falls Collection Service Inc.
State: IL

Complaint narrative:
OnXX/XX/XXXX I received a letter datedXX/XX/XXXX from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt for original account holder XXXX XXXX in the amount of {$190.00}. They stated to respond within 30 days if I wanted to dispute the debt. On XX/XX/XXXX I send a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX which was received by them onXX/XX/XXXX disputing owing XXXX XXXX XXXX any debt and stating to them to please send me any proof or whatever they can in writing showing that I owe any debt to their company. This dispute was done well within the 30 day time frame. I never received a response back to my dispute letter. Approximately 2 weeks later I noticed that XXXX XXXX XXXX had reported the collection to all 3 credit bureaus. OnXX/XX/XXXXI sent another certified letter to XXXX XXXX XXXX which I have attached a copy of requesting immediate deletion removal from all 3 credit bureaus which they have not responded too. After contacting XXXX XXXX directly I was able to obtain proof of the amount owed to XXXX XXXX and have paid the amount owed ( {$190.00} ) to them in full. The collection agency refuses to have the collection deleted off of my 3 credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: NM

Complaint narrative:
Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
ON OR ABOUT XXXX, XXXX XXXX HAS BEEN REPORTING MY VEHICLE AS A REDEEM REPO IN CLOSED ACCOUNT ON MY XXXX CREDIT REPORT. THIS INFORMATION IS INACCURATE, IN I WOULD LIKE FOR IT TO BE UPDATED AS SOON AS POSSIBLE. I 'M TRYING TO PURCHASE A HOME, IN THIS INFORMATION THAT THEY HAVE BEEN REPORTING IS REFLECTING NEGATIVE ON MY CREDIT REPORT. PLEASE HAVE THE COMPANY REMOVE THAT NEGATIVE REMARK. THANK YOU

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 2017-10-28 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: NM

Complaint narrative:
XXXX is not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to 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 2017-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I went through a mortgage broker after I closed my house I was told Freedom Mortgage was to be my new lender. As part of the closing of the house, my flood insurance was prepaid for XXXX years, home insurance for XXXX year, and property taxes paid for the quarter. This information was enclosed from a letter, fax, and telephone from myself and my insurance provider. They misbilled my escrow for an entire year. I spent dozens of phone calls, emails, ect which is more of an incompetence and customer services issue. So after the required XXXX year period I asked to be removed from escrow and was denied. I just got a letter XXXX weeks before my payment is due that my loan payment increased by over XXXX XXXX to combat an increase in my flood insurance for the year. I immediately called to correct them and it was taken care of. XXXX weeks after my XXXX XXXX payment I was contacted by collections saying I had missed my payment. Of course I check my bank statement and there it is. I call again and start the process all over. My new payment is due, my credit is in ruins, and I have been bounced from deptartment to department without settlement. First off a XXXX XXXX increase in a mortgage payment is criminal and should have raised eyebrows, but now i dont know how to fix it because obviously no one in the company is helping me. I cant make my payments, i cant send more evidence of prepayment. My taxes are unchanged and my homeowners insurance increased by XXXX dollars for the year.

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 2017-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: WV

Complaint narrative:
I obtained a copy of my credit reports and discovered an account under Monterey Collections pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within XXXX days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]  Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
OnXX/XX/XXXX I received a letter in the mail that stated that Loan care my mortgage company purchased insurance because I did n't have any on my property XXXX XXXX XXXX XXXX MI XXXX. After several hours on the phone and several different operators I was informed that my insurance payment was do on theXX/XX/XXXX and they ( Loan Care inquired the loan on XX/XX/XXXX. So there for the old mortgage company did n't pay the insurance out of my escrow account and therefore insurance was n't renewed. immediately I had to call my agent and acquire new insurance from a new company do to know fault of my own. At the time the new insurance was acquired I was informed that the may prorate my insurance that they bought for me for the period that I did n't have any insurance. Several times while I was on a three way call I informed the operator it was n't acceptable for them to prorate the insurance that they bought for XXXX but would be acceptable for them to prorate the insurance that I bought for! XXXX I was informed at that time that nothing could be done with that at that time because they may not even keep any money I would have to wait 2 weeks. approx. 2 weeks later onXX/XX/XXXX I had plenty of time to look into what had occurred and I called them back to inquire about the money that was prorated. After talking to several operators again I was told there was nothing that could be done I would have to go after the old mortgage company. I asked several people who my old mortgage company was so I could contact them because I only showed them ever owning this loan since a year ago. She told me she could n't help me but she would transfer me to someone that could help. After talking to the next person she informed me that she did n't know what they were talking about Loan care has owned this mortgage since XXXX. I then explained to her that I beloved there was fraudulent activity going on in my escrow account and she recommended me talking to the resolution department. On XXXX the XXXX I was on hold with the resolution department and she stated she would look into this matter but agreed they did in fact own the mortgage and neglected to pay the insurance by what she could see. She at that time told me there would be a resolution to this probably by today by the end of the business day or no later than XXXX. Without saying nobody contacted me back by XXXX and I made contact with them again trying to get a resolution to this fraudulent activity that appeared to be going on. During this process I also inquired to them about my escrow balance that did n't seem to be right but they had no explanation.

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 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hard inquiries are is on my credit report and most of them I didnt authorize. Also many of the companies listed I have no desire to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
On XXXX/XXXX/XXXX I was rear ended pulling into work, my XXXX XXXX XXXX was totaled. I paid my first payment that morning before heading into work. My loan was paid off except for XXXX which I had rolled a XXXX XXXX XXXX over into this XXXX loan. I dont know how billing works but in XXXX I was credited XXXX to my payments. I called in XXXX and asked who made this deposit into my account, the man I spoke with said he didnt know that he thought it was the insurance company. Statements show my next payment was not due until XXXX/XXXX/XXXX in the amount of XXXX. Fast forward to XXXX XXXX and I get a phone call saying I am XXXX months behind and when I asked how they explained that the insurance department made a mistake. The XXXX that they applied was my warranty refund onto my payments and they had to fix it on XXXX XXXX when they caught the mistake they allocated it back to my warranty on the loan. So they said that makes me due for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX which is when I was told my first payment would originally be due. When I asked for a manager I got XXXX XXXX he said that he can not make any changes on his end but for me to ask the insurance department for a Payment Allocation to be done, he transferred me to the Insurance Department on Santanders end, I got XXXX the manager in the insurance department he stated that it was a mistake but nothing can be allocated anymore and I must make these payments as soon as possible. I asked how I am liable for a mistake they made and why cant my loan be extended then to fix their mistake. I was told nothing can be done and I must still come up with the money. On XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I spoke with another XXXX named XXXX at XXXX, he saw my frustration and said he will escalate my case higher up because that seemed wrong to him as well. On XXXX/XXXX/XXXX at XXXX am XXXX XXXX from the XXXX office called to speak with me, he said they can get rid of all my late fees for me but they will not extend my loan and add the payments to the end of the loan, and they will not allocate the warranty payment back to the principal for me. My internet access was cut off on me and when I called the president office back they said that when a loan is changed from my main loan to this totaled loan that they get rid of internet access for us. Why then does my latest statement from them ask me to go online and update my number and update a work number. They are being very sneaky and not letting me have access to my statements. I have a statement from XXXX/XXXX/XXXX showing I am not due until XXXX XXXX and now a statement from XXXX XXXX showing I am delinquent and over XXXX days late now. I cant have this hurting my credit because of a mistake made by Santander.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-28 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: NY

Complaint narrative:
Equifax credit reporting agency is not fixing an issue I am having with wrong information on my credit report. Today I viewed on XXXX XXXX that equifax deleted my XXXX account off my credit report this account should not have been deleted off my credit report. I never gave permission to delete it. Having this account deleted brought my credit score down. My next issue is XXXX XXXX XXXXXXXX that is reporting that should not be reporting. I submitted substantial proof along with speaking to the CEO of XXXX XXXX XXXX and it was confirmed to be removed from my credit report. Instead of removing it equifax added a remark to this account. This is completely wrong. I am very discouraged in getting equifax to correct these issues. Another account XXXX XXXX XXXX XXXX is reporting as me including this account in bankruptcy. I never filed for bankruptcy. How can they put such false information. I fully expect that this bankruptcy comment be removed off my report. I 've also uploaded proof from experian that these other 2 accounts were removed from my XXXX credit report. Equifax should have received the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
XXXX has reported me late and i have not received a bill on the cycle reporting

Company response to consumer: Closed with explanation