vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AL

Complaint narrative:
I have been attempting to get an account deleted from my credit history. The collection agency, Enhanced Recovery Company, stated that they needed permission from the original creditor to delete it on XX/XX/XXXX. I talked to the creditor, XXXX and they stated that they would have their solutions department resolve this matter. On XX/XX/XXXX XXXX stated that they no longer have a solutions department. I feel misinformed. I have had several items over the last two years deleted from my credit history without any problem. If you could please do all you can to get this account deleted from my history it would be a major help seeing that I am building my credit and this account is pulling me down. On XX/XX/XXXX the account was paid in full for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX last ss XXXX. I am trying to pull credit report but Equifax and only equifax cant provide a report for me. It looks like they dont have info on me. They cant disclose any info with me because they're unable.to verify me. I tried calling the company but they cant help me because they're unable to verify my identity. They had me send documentations to prove my identity and I have return receipts but they say they never received it. I've mailed them twice and faxed twice now. I dont know what exactly is going on with my acct. I cant talk to anybody from equifax without them being able to prove my identity. Last time I called.them in XXXX they made it sound like everything was taken care of. Now that I'm trying to buy home I bump into this problem again. Please help me get this situated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: AZ

Complaint narrative:
There are a few inquiries on my credit report besides the accounts that I have that I do not recognize. These inquiries appear to have between XX/XX/2019 and XX/XX/2019. I would like these inquiries removed from my credit report because I did not apply for credit from these companies during that period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are a few inquiries on my credit report besides the accounts that I have that I do not recognize. These inquiries appear to have between XX/XX/2019 and XX/XX/2019. I would like these inquiries removed from my credit report because I did not apply for credit from these companies during that period of time.

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 2019-07-19 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays Bank reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called Barclays credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with XXXX and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name BARCLAYS BANK DELAWARE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXX/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 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This below debt collector has this information on my credit report. XXXX contacted them and of course they will said what they have is accurate. But I never opened a XXXX XXXX account for {$5200.00} in 2018. I never had a Visa card from XXXX XXXX.

The debt collector wants a police report. All the information I have is what they put on my credit report. I do not have the full account number or when this started other than they have it was opened in 2018. I would not open a XXXX XXXX account with XXXX XXXX at my Michigan address. They ignore this information. I have a Master Card with XXXX XXXX only and it is not a Michigan address.

LVNV FUNDING LLC Account XXXX {$5200.00} late payment since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
After paying off a Ditech mortgage, Ditech sent an escrow check to the wrong address. The party that received the check forged my name and cashed the check. 

I have asked Ditech via phone calls, emails and web requests using their available tools and contact methods over 12 times. When I reach someone, they say it will be sent in 10 days and it never arrives. 

The copy of the check is needed to file a police report. 

Please, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Monterey Financial Services LLC
State: WA

Complaint narrative:
I received a notice from XXXX XXXX about a past due account on my credit from Monterey Financial Services. I have never heard of them before. I called on Thursday, XX/XX/XXXX. They advised they were a financial company that took over a current loan I have that was previously under XXXX. I explained my situation that I had received notification from XXXX XXXX that I had a past due account with them. Monterey then states that my account is pending collections for non payment. I advised that I would be more than happy to pay off my past due balance and fees, but the mark on my credit needs to be removed since I was not properly notified. I advised Monterey that back in XXXX, I had switched banks and updated all my information with XXXX. Since my loan is on autopay, no further action should have been needed. I asked Monterey to confirm my contact information, since they said they have made several attempts to contact me. ( I also asked for any proof of them contacting me, such as the letters or call logs. They refused to give me any information. ) Turns out, both my email and mailing address were incorrect. I also told them I had not received any voicemails from them either. I asked Monterey to remove the late payments from my account since I had no knowledge of the company switching to a different financial service. Monterey then told me it is my responsibility to contact them. I asked how I am supposed to contact a company that I didn't even know existed? I spoke to a supervisor who said they would not re-report to the credit bureaus. Monterey said the only way they would re-report is if I paid off my entire balance. I told them I do not have money to pay off my entire balance, but it is not my fault that I was not properly notified of the change to my account. I am asking that my late payments from Monterey Financial Services be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: NC

Complaint narrative:
CRA is in violation of consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi, I have a problem with Equifax that has been going on for over a year now. Equifax do not report me. I have been a lawful permanent resident of the USA since XX/XX/XXXX, and they have never reported me since that time ( unlike XXXX and XXXX ). At first I was told that Equifax have stricter guidelines than XXXX and XXXX, so I patiently waited. But at some point last year I called them to find out what needs to be done so that they could start reporting me, and after I declined using their paid services to see my reports ( because I am a customer of XXXX and very happy with them ) they said that there was an issue with my identity verification. So on XXXX I sent all the documents to their dispute department to prove my identity, and received a response that they still can not verify that! Their reason was that my social security card has a note saying that for employment purposes I can use my SSN only with the employment authorization card. Again, after millions of calls and unsuccessful attempts to resolve the matter with them, on XXXX I sent another fax to dispute department, explaining to them that my social security number is real and that my SSN card was issued before the green card, that is why it has a note on it. Because again the employment authorization card was issued earlier than the green card itself ( because the green card allows you to work, but if you are legally in the country but your green card was not processed yet, the government sends you the employment authorization card so that you can find a job ). Anyways, I tried to explain all that to them and requested a free annual credit report. I called them a week after and talked to a supervisor in the dispute department. I was told I need to wait for 10 to 12 days. I did, and have just now pulled our my credit scores, and Equifax does not report me, and I never got that free report I requested.. I don't think I can win this battle fighting with Equifax directly, because all they do, even when you answer all the questions for identity verification, send them all the possible documents, is try to push their paid services of your credit score monitoring. This is very upsetting and it very negatively affects my life. I would be very grateful if you could help me resolve the situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against Citi Cards for failing to remove an unauthorized inquiry on my XXXX credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. 


Thanks for you help in this matter, 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 2019-07-19 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: VA

Complaint narrative:
XXXX XXXX reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called XXXX credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with XXXX and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called XXXX credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with Experian and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXXXX 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 2019-07-19 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: FL

Complaint narrative:
someone has stolen my identity and its destroying my life I'm XXXX  because someone has stolen my identity

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 2019-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I have made payments that were not applied to my Mortgage and loan modifications which in turn caused the me to be considered to have defaulted on the agreements I have requested that XXXX XXXX XXXX Such and XXXX and XXXX to show me where the payments went. Not XXXX of the Servicers showed where the payments went and they foreclosed and sold the house and are now trying to evict me. The only verification I have received was a print out of payments received by XXXX which show payments that were received but not applied to the mortgage principal. They claim that the balance was {$120000.00} as of XX/XX/2010. They show payments received after that date yet they did not come off the principal and they show I did not default on the modification. They also don't show an XXXX payment they received. XXXX claims they have repeatedly verified the debt yet they show NO PROOF OF WHERE THE PAYMENTS WERE APPLIED NONE. All they do is claim I have supplied no proof yet i repeatedly supply it. I HAVE ONCE AGAIN ATTACHED PROOF OF THE PAYMENTS RECEIVED WHERE IS PROOF THE MONEY WAS APPLIED TO MY MORTGAGE TO MY MODIFICATION!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against Experian for failing to conduct a proper investigation for XXXX/XXXX/XXXX account number XXXX. I have sent multiple letters about the blatant errors this account is reporting. Send a final letter very specifically detailing the errors contained in their reporting complete with credit reports showing the account reported differently on other bureaus. I got notification that they had completed the investigation today so I pulled my Experian report. Unfortunately, they did not follow the requirements of the Fair Credit Reporting Act ( FCRA ) as the status of the information shows it hasnt been updated since XX/XX/2019. So how can they say an investigation was done in XXXX? They also did not address any of the errors I pointed out or provide any documentation. I am requesting that you compel Experian to delete this account from my Experian report as it clearly does not meet the requirements of the FCRA of being accurate and consistent and they have not met their legal obligations. 


Thanks for you help in this matter, 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 2019-07-19 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: CA

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and noticed an auto loan from XXXX XXXX XXXX XXXX from XXXX that had gone to collections. It has not been paid on in years and the debt stands at {$15000.00}. I have never had an account with XXXX XXXX and the name on the loan in the credit report is not even my own. I contacted XXXX XXXX and they told me they could not do anything about it. I have since filled a report with the Federal Trades Commission and alerted Experian. I am currently trying to get a mortgage loan and this is not good.

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 2019-07-19 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: FL

Complaint narrative:
someone has stolen my identity and its destroying my life I'm depressed because someone has stolen my identity

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 2019-07-19 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:
someone has stolen my identity and its destroying my life I'm depressed because someone has stolen my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against Experian for failing to conduct a proper investigation for XXXX   XXXX Account Number XXXX. I have sent multiple letters about the blatant errors this account is reporting. I sent a final letter very specifically detailing the errors contained in their reporting complete with credit reports showing the account reported differently on other bureaus. I got notification that they had completed the investigation today so I pulled my Experian report. Unfortunately, they did not follow the requirements of the Fair Credit Reporting Act ( FCRA ) as the status of the information shows it hasnt been updated since XX/XX/2019. So how can they say an investigation was done in XXXX? They also did not address any of the errors I pointed out or provide any documentation. I am requesting that you compel Experian to delete this account from my Experian report as it clearly does not meet the requirements of the FCRA of being accurate and consistent and they have not met their legal obligations. 


Thanks for you help in this matter, 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