vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting incorrect information on my credit report. 
The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing payments //

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted TransUnion, XXXX and XXXX in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my credit score. But to no avail.

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus.

please help in this matter.

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 2021-09-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX, XXXX and Equifax in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my credit score. But to no avail. 

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus. 

please help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
{$220.00} is an amount that Procollect Inc. has been trying to collect from me for the past 2 years. I disregarded it at first but this year I found that this debt is fraudulent and filed a credit dispute. This amount was removed from my credit on XX/XX/2021 by XXXX. Since that resolution procollect inc. has contacted me via phone daily with voicemails and via mail on a monthly basis. 

Per my conversations with XXXX  this company should have me removed from their records and collections tactics. When I spoke with procollect inc. I was verbally pushed around and told that I still owe the debt no matter what the credit bureau 's say. While trying to explain this situation and ask to have all communications ceased from them I was disconnected from the call. My " account manager '' mrs. XXXX at phone # : XXXX ext.XXXX was the one who disconnected our call while trying to fix this issue and she said, " sir if you're not going to make a payment I'm going to hang up on you. You still owe this amount. This will not be removed from our system and you will still receive calls and voicemails going forward and we are notating your account as failure to pay '' then she hung up on me while I was still talking to her. 
Procollect inc is not willing to abide by credit law and they are not accepting my Cease and desist request via phone. They continue to harass me for a debt I have been cleared of. 

Please help 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 2021-09-17 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: NJ

Complaint narrative:
Inquiries were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
XX/XX/21 at XXXX - I asked the Manager with XXXX XXXX  to reverse a {$25.00} fee because I was misinformed by the bank. They rudely REFUSED to reverse the fee even when it was not my fault.

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 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
I received an offer for an incentive of {$600.00} to open a new checking account. To receive the {$400.00} portion, I had to Direct Deposit {$2500.00} within 90 days after account opening and remain in good standing. To receive the additional {$200.00}, I had to process 15 debit card transactions from the account within 90 days and remain in good standing. I opened the account and entered the promo code during the promotion period, prior to XX/XX/XXXX. I performed all the required activities and did not receive the {$600.00} within 15 days after 90 days following account opening. I reached out to a representative and she said I was not eligible to receive the promotion because I was not in the intended " market ''. This is unfair since I DID receive the promotion. The bank received all the benefit of me putting money at their institution and processing my debit card transactions with their processor, but they aren't going to follow through on paying out my incentive! Why weren't there stops in place at account opening to prevent me from using the promo code online if I wasn't in the designated market? It's so convenient that the promotion entices many people to sign up but only a few of those who sign up actually qualify. That is deceptive advertising, and so frustrating that I had to keep track of all of this, with nothing to show for it after nearly 4 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: AL

Complaint narrative:
This is a complaint for timeshare company XXXX. We spoke with one of their employees who claimed to not work on commission. Unfortunately I can't remember the name. They told us that we're actually making a good financial investment since we will be getting rental income - that is if we enroll in another program which we'll also have to pay for. We were lured into this when they also promised that we'll never have to pay maintenance fees again. They said the resale value would go up & it have some tax benefits similar to owning a 2nd home. Another predatory sales tactics they've used on us is telling us that is we went to quarterly " '' meetings '' '' and/or had friends/family members go to introduction meetings, it would actually take money off our maintenance fees. They also made it sound like we were given the privelege of having this special offer because they needed get a higher approval to give us the price offered. We were pressured & rushed saying it's our last chance to upgrade at the lowest price. They didn't even let us read the contract. We were defrauded by this timeshare company, they promised us things would positively different each time things got worse. We're really regretful of the decision in getting into this that obviously just gave us difficulties. This fraudulent account is being reported in my credit records and is hurting my financial stability.

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 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
I exited forbearance XX/XX/2021. Shellpoint has made multiple errors and incorrectly reported my account as delinquent. This compliant is regarding a foreclosure notice sent while under the CARE ac protection and requesting payment in a high pressure manner outside of agreed upon repayment terms agreed by phone and writing. The threat of foreclosure during a moratorium is a breech of federal guidelines. Below is timeline of conversations and contact between myself and Shellpoint and a copy of the foreclosure notice. The foreclosure notice during a phone conversation was defined by Shellpoint as the Trial modification payment approval document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.

Complaint narrative:
I am an American citizen and have lived outside the United States sine 2008 and have become aware my identity and personal information may have become compromised in the US. 

I have attempted to place a security freeze on my account and request a copy of my credit report by mailing Experian at XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX. I submitted my US Passport, proof of my address, a pay stub and a utility bill. I have attempted to phone them. 

They have sent back a letter saying they need more information ( which they already have ) and have asked me to submit these documents by mail or online. When I upload it online is blocks the request repeatedly due to my IP address being outside the United States. 

I feel that because I live abroad I'm unable to take proper care of my credit profile and history.

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 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Transunion File Number # XXXX i had disputed is account with Transunion /cfpb/ XXXX XXXX this account needs to be remove out of my credit report.for the following reason XXXX XXXX didn't provide me with 30 day verification Therefore i ask transunion politely to remove this account. this account is not reporting Accurate information is not being reported to other credit bureaus please remove from my credit report asuna possible.

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 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting incorrect information on my credit report.

The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing 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 2021-09-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting incorrect information on my credit report. 
The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing 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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I C Systems has negatively reported {$2600.00} on my credit reports showing this as a new delinquent account. The original creditor is XXXX. I do not recognize the debt but even if the debt were mine, I've been with my current cell phone provider for over 2 years which means the cell phone debt is past the 2 year statute of limitations. At the very most, this debt ( if mine ) should be at least 2 years old on my credit reports. IC Systems just reported it negatively again ( XX/XX/2021 ). They show the account was opened in XX/XX/2021 but I didn't open an account with them. I've asked them to provide me with information on the debt ( once by phone, twice in writing ) and their response was " how are paying this debt today '' and then a letter telling me to get an attorney or something. ( Will try to find letter ). If the debt from XXXX is valid, it is over 2 years old and should be reported as such on my credit 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 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a complaint on XX/XX/2021 ( # XXXX ) for transunion dealing with a bankruptcy that is on my credit report and they did an interim reply on XX/XX/2021. Nothing since. I gave all the paperwork to show where they keep saying they are getting it from is untrue. I have given every company that I know hey are going to try to lie and say they used. They told you all that I can contact them on XX/XX/2021 and they have ignored me. It has been over 2 months since I put this claim in and they still ignoring me. This is something that they are not investigating and still coming back as its mine. This needs to be taken off now.

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 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MN

Complaint narrative:
Anteriormente haba enviado una solicitud y su nica respuesta fue una lista detallada de los supuestos cargos que usted afirma que le debo. Solicito pruebas de que soy efectivamente la parte a la que solicita el pago de esta deuda ya que lo que me enviaron no es suficiente y la verdad que su falta de informacion me esta afectando emocionalmente. Se agradece su atencin inmediata a este asunto

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 2021-09-17 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: Affirm Holdings, Inc
State: IN

Complaint narrative:
I made a purchase of XXXX equipment and used Affrim 's payment plan. The Affirm company deducted payments from my account in the agreed amount. The Affirm company collected the agreed balance. Despite me paying the amount in full on Auto draft, the Affirm company still reported negative report on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
I am the Consumer and Natural person and my rights has been violated.

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 2021-09-17 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:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX please delete it 2. The following account is not mine : XXXX Account Number : XXXX Please remove this account from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: NY

Complaint narrative:
I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this child support account. Number : XXXX This is constantly reporting negative information that is dropping my credit score. I was given a much higher interest rate for my loan than I deserve with a XXXX plus credit score. The loan officer mentioned this account is the reason why. 
The account is showing that I have late payments on my child support every month however this is not true. The account is on automatically taking out the money from my checking account every week and I have not missed any payments ( SEE ATTACHED ) I have previously disputed this account with all 3 bureaus explaining the error and XXXX and XXXX DELETED this account EXCEPT for Experian. I have been writing to Experian several times this year and as I recently checked my credit at the bank, they are saying this inaccurate account is still there. I need Experian to be held accountable for disregarding the investigation requests. I understand that inaccurate or unverifiable accounts must be deleted as per Section 611 ( 5 ) ( a ( i ) if the Fair credit reporting laws : Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer I need this deleted for violating my rights and Experian NOT conducting a complete and fair investigation of this account.

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 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: VA

Complaint narrative:
The Money Source Inc. ( " Servicer '' ) is demanding escrow payment, on the next regularly scheduled monthly due date, for a city tax of {$570.00} and a county tax in the same amount. However, as reflected on our closing documents, which are in Servicer 's possession, there is only a city tax requiring collection of {$570.00} per month. There is no county tax. Accordingly, Servicer is seeking to collect {$570.00} more than Servicer is permitted under the Real Estate Settlement Procedures Act of 1974, as amended ( RESPA ), and other applicable federal and state laws.

We brought this error to Servicer 's attention via email on XX/XX/XXXX, and Servicer sent only a boilerplate response. We then twice requested the appropriate mailing address to which to submit a qualified written request pursuant to RESPA. Servicer declined, twice, to provide the requested information, instead sending only the same boilerplate response once and then entirely ignoring the second request. Servicer 's refusal to provide this information through Servicer 's designated customer service channel constitutes a separate RESPA violation.

Company response to consumer: Closed with explanation