vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since the beginning of XX/XX/XXXX, I have been trying to get the collection account that is inaccurately removed from my credit report. I have sent out a letter over and over asking for these accounts to be removed because they are inaccurate. My credit is being damaged and my credibility to establish new credit is being hindered.

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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
OnXX/XX/2016 my father used my identity and opened an account through XXXX XXXX and left a balance of {$560.00}. I was underage at the 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 explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Security Credit Services located at XXXX XXXX XXXX , XXXX, MS XXXX Phone ( XXXX ) XXXX Email XXXX XXXX XXXX XXXX, XXXX, MS XXXX has not deleted the collection debt they said I owe, this was a result of someone opened a fraudulent line of credit. I reported to the 3 credit bureaus and they refuse to delete this causing me to not been able to refinance my home. The account is open and has not been deleted from my credit reports.

amount they said I owe is {$1200.00} Notes from credit bureaus ; " Account information disputed by consumer, meets FCRA requirements ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: PA

Complaint narrative:
Checked my credit report and saw fraudulent inquires on my report. These are not my inquires. I did not authorize them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Continental Services Group, Inc. d/b/a ConServe
State: MT

Complaint narrative:
Keeps calling me at XXXX XXXX. Even though I told them its XXXX XXXX in Alaska. 
Company representatives just go silent after I say I will complain but do it again next day. 
Conserve XXXX ( XXXX ) XXXX is number they are calling from

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-29 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: LEADER ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am applying for a home loan and there is a home Mortgage foreclosure listed on my credit report provided by " Credit report trend credit data ''. The creditor is Leader one financial corp. 
The mortgage is a reverse mortgage that belonged to my mother. She passed away in XX/XX/2018. The reverse mortgage was a part of her estate, and I was not a signer on the mortgage. The mortgage went into foreclosure, and I purchased the home from Leader One days later. However my credit reports reflects the foreclosure on my credit. I was never a signer or co-signer on this mortgage, only the purchaser of a foreclosed home from an estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I have a loan with Bayview XXXX. By their numbers ( which are incorrect ) I owe about {$13000.00} in real estate taxes and {$2000.00} for insurance ( annually ). This is roughly {$16000.00} per year. 

They have been deducting {$1700.00} monthly for escrow which totals about {$21000.00} annually. After paying all taxes and insurance this year there was a remaining {$2000.00} ( roughly ) in my account. This actually means there will be {$23000.00} ( roughly ) in the account to pay {$16000.00} in taxes and insurance next year. This is an overage of roughly {$7200.00}. 

Since XX/XX/2019 I have been requesting a total escrow report. As of date, I have not received one. Further, since this date, I have requested the escrow be reduced given they are rolling over thousands of dollars. I was notified today that they will reduce payment rough {$200.00} per month or {$2400.00} annually. This reduction falls about {$5000.00} short of what is actually needed. I have been with Bayview XXXX for 2-years and escrow payments have gone up about {$800.00} per month since they took over the loan. 

My complaint is Bayview XXXX has negated payment reduction for 6 months ( since they want to put reductions in for XX/XX/XXXX payment ) and are charging exorbitant unwarranted escrow fees. Also noted is there has been a tax reduction on this property, not a real estate tax increase. Further, I am XXXX this year and real estate taxes are frozen in XXXX County for seniors. There is no justifiable reason for these fees given there are no increases anticipated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2019 I saw so many posts on social media about an Equifax Data Breach Settlement that I followed the link and forfeited my right to credit monitoring with the expectation that I would receive {$120.00} settlement check. Subsequently, there have been many comments about NOT receiving a check. I understand now that all of the people that signed up for this will not receive credit monitoring service and that was not very clear in the Equifax Data Breach Settlement website. I think the company took advantage and allowed people to misunderstand what they were signing away just so they would not have to provide the service in the future. 
Im still extremely frustrated by the lack of internal controls to maintain and monitor hacking at Equifax. How does the consumer trust this company to safeguard our most personal information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Applied for loan and was pre-approved for XXXX 12.99 APR 36mo loan. Was told that I just needed to submit bank statements and paystubs. Also asked for work phone number. Received phone call saying that they wanted phone number for HR. I explained that given the size of my company they will only do verification through a letter or theworknumber. They demanded a HR number which I had already explained they would not do verification over the phone to protect the privacy of employees. They insisted on the number which was supplied to HSBC. Subsequently they denied application after hard credit pull stating that employment could not be verified. This seems like discrimination given its not my fault my company is trying to protect my privacy and not advertise to anyone who calls that I work for the company. Additional they advertise the process as fast. This seems very manual to me. No other loan company has required anything beyond paystubs or a letter for employers to verify employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I keep getting calls all day from Comenity Bank and XXXX XXXX. I explained I was out of work, but they are now calling family and friends. It is a nightmare with them. XXXX and XXXX are some of the numbers that call from. How do I file a complaint against them. Some threaten legal action. 

Here is voice mail from them on XX/XX/19 You received a voice message on Thursday XX/XX/2019 XXXX from XXXX Inbox x XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX to me, XXXX You have received a new voice message From : XXXX Date : Thursday XX/XX/2019 XXXX Length:86 seconds. 

This message is for XXXX ... this is Mrs. XXXX calling from Comenity Bank. I need to hear from you today. If you are represented by an attorney for this matter. Please have your attorney contact me today so we can discuss your situation and options that are available to you during (? ) the rain if you choose not to return this message I will be left with no choice but to continue efforts to resolve this matter. Please understand that it is my intention to insure this important matter is resolved before we are forced to escalate. Please contact me today at XXXX extension XXXX. Again I am in the office until XXXX XXXX Mountain Standard Time and my number is XXXX extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
Mr. Cooper national star has reported to my account 30days past due I have made payments to my account twice in one month, my account was garnished from student loans that put me behind however when I did pay they would take my checks if my check did not go through they would hold the check and fraudulently forage my account and keep resending it to my bank with out my permission every week until they get there money, also if Im past 30days they post huge envelopes on my door and take pictures of my home, like theyve already sold it, I called to talk with lesion team they where rude the lady wouldnt give me her name and direct line to contact she also made a state ment ( we are very familiar with cfpb and we are not doing a recommendation to fix ur credit score ) I asked her why wasnt it on my credit score for last month that I was late she said  because they report the end of each month but I told her I shouldve gotten it by the XX/XX/XXXX she couldnt answer that it says I went from 60days to 30days which is a ly I should b current I owe XXXX from XX/XX/2019 current and my account is still reporting negative 30days! Its harassment and fraudulent activity going on with this company and it needs to stop! I want a new mortgage lender I should not have to put up with this company I am paying my hard earned money and I am not satisfied at all with the services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice AFNI, Inc did not respond when I requested information from them regarding the alleged account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: PA

Complaint narrative:
Checked my credit report and saw fraudulent inquires on my report. These are not my inquires. I did not authorize them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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:
There are several unauthorized inquiries reporting on my credit file. Please assist me in getting the following inquiries removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX ( 2 Times )

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 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cawthorn, Deskevich & Gavin, P.c.
State: VA

Complaint narrative:
I contacted the company on XX/XX/19 to get more information on an account that I have being making payments on. I received a court order on my door and was a bit confused in reading it as I have never had this happened before, didnt understand some of the word usage and thought my payment plan would avoid situations like these. I called the company and spoke to a XXXX or XXXX. She was very abrasive and condescending. I voiced to her that I didnt understand and was confused and she kept repeating well if you read the paper .... For one I am very well educated and I did read the paper, I just did not understand it. This company should have someone who is empathetic and talk to people in a manner-able way as you never know what hardships people are experiencing or what they are going through. These bills are the result of me experiencing a XXXX XXXX XXXX which further resulted in me XXXX XXXX XXXX XXXX XXXX after she was XXXX. I try to do the right thing only to be talked in a way that makes me feel as if Im another number in the system. Please do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I noticed a mysterious charge for a couple hundred dollars to my prepaid card. I called them up ( Blackhawk network ) and started a dispute. They told me to email in the required info. I did so, but they closed the dispute claiming I had never sent the info in. They said I could send it in to get the case reopened, so I sent them the same email again. They did nothing, and I called again and they claimed the previous rep had lied to me and refused to resolve this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
BEST BUY is the only company I ever heard of that has no grace period. In the past I have sent my payments in in a timely manner, but they have a delayed time in processing these payments. I send all my bills in at the same time an BEST BUY is the only company to charge late payments and fees.I tried calling to understand their method of posting but do not get any satisfaction. I was so upset by their method that I wrote a check to pay off the ENTIRE balance to be done with them. I sent this on XX/XX/XXXX and it was processed on XX/XX/XXXX. ( I of course was not charged fees on this ), SIX DAYS this is a perfect example of how long it takes them to process payments. Someone needs to take a look at their money making scheme.

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 2019-08-29 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-29 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: Credit Plus Inc
State: NJ

Complaint narrative:
22 hard inquires on my credit report, i did not look for these multiple online inquires. 
all these are too much on my credit report. also i only have one open account it is showing multiple open accounts and i have paid everything in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC.
State: SD

Complaint narrative:
I was contacted by AFNI, Inc. regarding a debt allegedly owed to XXXX. This debt was previously handled by XXXX XXXX XXXX, and was discharged in a Chapter XXXX bankruptcy on XX/XX/2019. 
Apparently now, XXXX has contacted AFNI or XXXX XXXX Solutions has sold the debt to AFNI and they are now trying to collect on the debt that was clearly discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-29 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: NC

Complaint narrative:
Experian and XXXX XXXX are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX XXXX that has {$1000.00} credit limit and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments to be removed immediately.

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