vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: AK

Complaint narrative:
After reading the review of the company I have attached facts that the response is incorrect I have two different addresses on each statement two different cities but I can not be in two places at once.. Both modems were turned in prior to my departure from the united states. How is that I owe a debt when I still had services until XX/XX/2019. I have misleading information and none of it is correct but the company did put this on my credit report. I will be seeking legal advice due to this false reporting on both spectrum and the debt collection agency due to furnishing incorrect information on my credit report I also have receipts of BOTH turned in modems as well. This is my final attempt to resolve this matter at the lowest level. According to the FCRA, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Furthermore, A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a  debt as charged off when you settled it or paid it in full.Misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries that are not mine XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2020-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My Mom passed away over 2 years ago and I have been named executor and trustee of her account. I've sent copies of her death certificate and copies of her will twice. These are the dates that I've called SLS but they can't tell me anything because I'm not on the account. They call me every other day to talk to the estate then hang up. 
I Called on the XX/XX/ Called on the XX/XX/ Called on the XX/XX/ Called on the XX/XX/

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 2020-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian : -Has caused me to be denied a rental and I am fleeing a XXXX   XXXX/XXXX  and discovered that Experian was emailing my information ( based off my social security number ) to an email address that is not related to me or ever has been. 
-Has addresses on my report in which I have never resided. 
-Has reported as still active and delinquent a credit account that was paid off. 
-Has no customer service representative or contact in order to dispute unanticipated credit reports.

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 2020-03-23 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: TX

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2020-03-23 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries that are not mine XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: USCB, Inc.
State: CA

Complaint narrative:
This had been on my credit report more than allowed time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2020-03-23 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2020-03-23 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: AR

Complaint narrative:
My bank called me to inform that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is insane. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: GA

Complaint narrative:
Spoke with someone name XXXX, she refused to allow me dispute the bill, when I ask speak to a manager, she raised her voice at me and told me no.. i demanded to speak with someone else she cursed mea out and hung up the phone on me. I called back pressed 1 and got her on the phone again. she told me to pay my bill and she wasnt transferring me to anyone,, i asked her last name she told me no and I told her was gon na record the conversation she said that she from Maryland and she don ; t have to have her call recorded and kiss her XXXX and hung up

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 seen some errors reporting on my credit report and filed a compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company Midland Funding, LLC. I sent a validation letter to Midland Funding which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to Midland Funding still has not been properly validated. As of XX/XX/2020 Midland funding continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding Midland Funding LLC had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 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: AZ

Complaint narrative:
I filed a complaint with CFPB related to a wrong credit report of XXXX  XXXX XXXX XXXX report # XXXX-XXXX and Equifax report # XXXX-XXXX  related to a past due mortgage for XXXX, XXXX XXXX and XX/XX/2019 from XXXX XXXX XXXX XXXX. The Loan was paid by wire from XXXX XXXX XXXX XXXX XXXX  on XX/XX/2019 by wire in accordance with the written payof demand submitted by XXXX XXXX  to XXXX XXXX XXXX. XXXX reported incorrectly the Mortgage unpaid for 4 months to all 3 credit bureau and finally in XX/XX/2019 informed me that the mortgage was paid, balance XXXX and they reach an agreement for a very small insurance shortage of with the insurance company insuring the loan and the Title Company to no fault of myself. XXXX has informed the credit reporting agencies but only XXXX  has corrected the report and revised the credit score while Equuifax and XXXX have failed to correct the information and I was advised in writing that in accordance to the guidelines they had not sufficient information to revise the credit report. all information I have available were submitted to XXXX  report XXXX and Equifax report XXXX. I do not understand how information are sufficient for XXXX  but NOT for XXXX  and Equifax and an application of mortgage refinance with XXXX XXXX was suspended due to the low score registered with XXXX  and Equifax while the score with XXXX  was sufficient for the refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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:
I examined my credit report recently and I saw some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no understanding of how someone would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2020-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I used a money transfer service called Remitly and for the second time they state that the transaction Im doing is not or can not be completed but they have already taken the money out of my bank account Ive tried to reach them by phone via email text and XXXX  and they are not responding. They are responding to some people on their XXXX Asking them to send a private message but there is no other follow up to say that the problem was resolved. at this point I can not reach the company anyways phone text chat or email. They have XXXX dollars if they are holding until I can provide the more information but I can not reach them to do so they are not releasing the funds because I can not reach them I was able to reach them before but not anymore I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I've been affected by the current pandemic at hand and there's no way for me to make money if I can't even leave my house. I'm currently in lockdown in New Jersey with no way to pay for this personal loan because I have little to no income right now. 

I called TD Bank hoping they would somehow alleviate my situation, but all they offered was a week extension of my due date. This was changed from XX/XX/XXXX to XX/XX/XXXX and this action took place on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanUnited.com, LLC
State: PA

Complaint narrative:
Contacted Loan United for VA refinancing of my home in  Pennsylvania XX/XX/XXXX. My refinancing was being processed by XXXX XXXX XXXX, Senior Mortgage Loan Originator. 
Loan United requested XX/XX/XXXX mortgage statement, insurance, IDs DD214,  Note, Social Security cards which I began submitting. 
XX/XX/XXXX Loan United expanded their information request to include 30 days of paystubs, XXXX/XXXX  W2s, 2 months bank statements. Social Security letter, Retirement letter. 
XX/XX/XXXX Loan United requested Home Appraisal ( Cost to me {$500.00} ) and VA Termite Report ( Cost to me : {$85.00} ) which were performed. 
XX/XX/XXXX Loan United requested additional information to include P & L statements and all tax schedules for myself and my wife and her business. Sent this information Overnight to their office. 
XX/XX/XXXX Loan United requested additional information K-1 tax returns, Business license, expanded information on our tax returns. Resent additional information directly to Loan United Overnight mail. 
XX/XX/XXXX Loan United requested I add Flood Insurance to my homeowners even though I do not live in a flood zone. 
XX/XX/XXXX Loan United, XXXX XXXX, Loan Processor emailed me : " a loan payoff was the last item needed for your loans clear to close..we will most likely fund in XXXX so I wanted to be sure XXXX as been paid '' Contacted my mortgae company XXXX XXXX, and a payoff amount was provided to Loan United in XXXX . 
XX/XX/XXXX Loan United XXXX XXXX emailed me : : " All is well with your loan we are simply waiting until after XX/XX/XXXX to reloock your loan and then we should be cleared for closing ''. 
My original lock in rate was 3.75 % last year but I guess since so much time has passed a new Rate lock was needed. 
XX/XX/XXXX XXXX XXXX emailed me : ( after I inquired when my rate was going to be locked in ) " too high to lock today '' even though there were 3 rate cuts by the Fed to Banks and Lenders to  almost zero. How could it be? 
Since then no further communication. Loan United advertises their VA refinancing as quick, easy with limited information needed. I found this to be quite the opposite. This has turned into a nightmare, and I am still not closed. Im an XXXX discharged Vet and utilized the VA to help secure my original mortgage and this refinancing. I have always paid my mortgage on time as well as all my bills. I feel that this company should not be allowed to process VA loans of any type. I feel that this refinancing will not be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/2019 and XX/XX/2019. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-03-23 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:
I seen some errors reporting on my credit report and filed a compliant.

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 2020-03-23 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:
I seen some errors reporting on my credit report and filed a compliant.

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 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : KOHLS DEPARTMENT STORE # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX  XXXX # XXXX, XXXX/XXXX  XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX. The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Select Portfolio Servicing purchased my mortgage. The year of XX/XX/2019 funds were being escrowed for taxes and insurance. At the end of XX/XX/2019 the company did not pay my property taxes. I did not know this until I got a past due bill with penalties from the County. I called them. They said that they dont escrow. When I finally got through to them that it was the XX/XX/2019 taxes that were due, I got the run around about the escrow account. The amount due is {$16000.00}. 
I was told that the check was mailed XX/XX/XXXX. 
Then I was told it was cut XX/XX/XXXX but mailed XX/XX/XXXX. 
I still have not received the check for {$16000.00}. My XX/XX/2019 property taxes are still not paid. 
This is theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation