vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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: OH

Complaint narrative:
XXXX  ; Experian and XXXX  are failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX  partial account number XXXX ; XXXX XXXX account number XXXX and XXXX/XXXX  partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent out to XXXX XXXX XXXX partial account number XXXX. Experian is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) My current credit report stills shows these accounts as Accounts not Dispute. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
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. 
I respectfully request that the ( 3 ) bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-12-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
I would like debt validation from this collection company. If they are unable to provide it then all references to the account should be deleted.

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 2020-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
XX/XX/2020 XXXX Called Shellpoint/NewRez to check status of escrow analysis, was told it was in process and company has until XX/XX/XXXX to complete. 
XX/XX/2020 XXXX Called Shellppoint/NewRez to advise still no escrow analysis received, XXXX advised he ordered on " super expedited '' and request should be complete within 1-2 days, and in my mailbox by " next week '' XX/XX/2020 XXXX Called Shellpoint/NewRez for status of escrow analysis, was informed payment due increased due to having 2 homeowners insurance policies. Was on the phone with XXXX XXXX, I was informed that XXXX policies were being charged on escrow, I emailed XXXX Page of the correct and only policy, and this was corrected to one homeowners insurance policy. New escrow analysis ordered. Was advised request was " expedited '' and should be complete by end of week. 
XX/XX/2020 XXXX ( XXXX ) Called Shellpoint/NewRez for status of escrow analysis, will be done by Weds, feel free to call us on Weds for results/information. 
XX/XX/2020 XXXX Called Shellpoint/NewRez, ( XXXX XXXX the XXXX ) not completed yet, call back in a few hours if you'd like. I hung up disgusted and angry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Credit Counsel, Inc.
State: FL

Complaint narrative:
I spoke to their customer support and I was informed that the date of service and date of last activity on this account was XX/XX/2013. That is well past seven years and they are in violation of the Fair Credit Reporting Act. I do not wish to pursue an attorney for this violation of the FDCPA but will have to if they do not oblige my request. Again, my intent is not to file a lawsuit, I simply want this removed from my credit report as it is illegally being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
I received an escrow analysis from LoanPal that is based on an incorrect real estate tax amount. My loan payment was increased to {$5000.00} of which {$2500.00} is the escrow amount. At this payment amount, I will be paying {$30000.00} to escrow for the year when my total taxes and insurance will be {$19000.00} for the year. I reached out to customer service on XX/XX/2020 to rectify the situation. I was told that I could not speak directly to the tax department as they do not take phone calls. Instead, I had to email my current tax bill to XXXX. I sent the email and received an automated response that my email had been received. I was told that the issue would be resolved well before my XX/XX/XXXX payment needed to be made. On XX/XX/2020, I had not received a response, so I again called customer service. They told me they had no record of the XX/XX/2020 email, even though I had received an automated response. I resent the email and was told it would be 48 business hours before I would receive a response. I asked to speak to a supervisor to expedite the response as I had already inquired about this on XX/XX/XXXX. The supervisor told me that there was nothing she could do to alter the process. I called on XX/XX/XXXX and was told that a resolution was expected XX/XX/XXXX and that the investigation was still open. I asked to speak to a supervisor XXXX XXXX XXXX and was told that nothing was being done, because a request for an escrow analysis was never sent to the tax department. She asked if I wanted to do that and I asked what have I been asking for since XX/XX/XXXX??? She put the request in. Since that call it was obvious they needed to be contacted everyday to make sure they were actually working on the case, I called again XX/XX/XXXX, XXXX and XXXX. I was told today to call back Thursday morning XXXX XX/XX/2020 XXXX to find out if the request has been completed. At this point, I have no faith in their system and have a payment due by XX/XX/XXXX for the incorrect, fraudulent amount. I have been asking since XX/XX/XXXX what my correct payment amount is. I also sent a XX/XX/XXXX package ( XX/XX/2020 ) with a letter and all the details to XXXX XXXX, CEO. As of XX/XX/2020, I have not received any response from XXXX nor do have answer to what my correct payment amount should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Without any written or e-mail notification my Care Credit account was closed. When I called Synchrony Bank to find out why they said it was for non-use. This is a line of credit specifically for medical expenses and I thought having an available line of credit to use in a medical emergency would provide some peace of mind. The account was opened just over a year ago. The bank advised me they could not reopen the account and to reapply. I reapplied and was declined. The closure of this account has caused my credit score to go down by 65 points.

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 2020-12-09 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
On XXXX XXXX, 2020, Consumer Adjustment Co add a derogatory marks on my credit reports perXX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Consumer Adjustment Co has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In XX/XX/2020, I applied via website of PHH for covid 19 RELIEF. I am not making any income and I need assistance. 

I was not able to pay XXXX, XXXX, XXXX. In XXXX I applied for this help. I did not receive any information EXCEPT that I was placed into FORECLOSURE on XX/XX/2020. I am mortified. I do not know what to do. I do not want to lose my property. 

Please help me. I need COVID 19 assistance and this foreclosure to be stopped. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM ASSET SOLUTIONS : illegally placed debt on my credit report without properly verify the debt actually belongs to me. I never received any notification on this debt, from the above company, nor did I get a chance to respond to this incorrect debt. The debt collector never allowed me a request for VALIDATION pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay this debt, and that they are legally allowed to collect any debts in my state they are in non-compliance with this request to allow me to validate this incorrect debt.to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2020, COLLECTION BUREAU OF add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COLLECTION BUREAU OF has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX Rewards XXXX # XXXX issued by Elan Financial Services. 

I have filed a dispute on one of the charges on my credit card. The charge is as follows : Merchant : XXXX XXXX IL Transaction Date : XX/XX/2020 Posting Date : XX/XX/2020 The purchase was for a digital product, that I was supposed to receive within 24 hours after the purchase via email. The product, however, was never received. I tried contacting the merchant using the provided email address XXXX for a refund or the product itself, however, I never received a response. I opened a dispute with the bank regarding this charge, the bank gave me provisional credit and then reversed it, since I had to fill some paperwork which I never received in the mail. I finally got the paperwork after they had already reversed the credit on my account and sent it back to the bank, requesting the dispute to be reopened. However, I am not hearing a clear answer regarding this charge, every time I contact customer service. And no new credit is being posted onto my account. Please assist.

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 monetary relief
Consumer complaint received 2020-12-09 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:
Dear Sir or Madam ; The Information Listed Below, which appear on my Credit report does not Relate any transactions that I have made. 
This is the Result of identity Theft. Please Block and remove these Fraud Accounts off My credit. 
Pursuant to section 605B of the Fair credit reporting Act, and send the required Notifications to all Furnishers of all Information.

thank you for your 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 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
Mr. XXXX XXXX NMLS : XXXX ) contacted me via phone and after I declined his services ( I already have the quotes I need ) he proceeded to tell me about his mortgage company and asserted that no one could beat their offers. I humored him and told him he could send over an information request packet so I could look at their rates - when the email came in, he accused me of " playing house money '' ( whatever that means in the context of a loan origination ) to which I responded and asked him to discontinue contact with me since he was very rude. Today, he sent me another email, contrary to my specific and formal request to stop contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
BBVA/COMPASS SOLD OUT TO XXXX XXXX, WE HAVE AN AUTO LOAN THAT IS REPORTING LATE AND THEY KEEP CALLING OUR CELL 31 TIMES IN THE PAST 45 DAYS AFTER CEASE COMMUNICATION REQUESTED ALSO, CHARGE US LATE FEES.IF YOU DON'T CORRECT ASASP AS WELL CREDIT REPORTING ERRORS WILL START CLASS ACTION LITIGATION TODAY. LOAN NOXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: LEXISNEXIS
State: TX

Complaint narrative:
Contacted LexiNexis to dispute inacurate information that was obtained from a denial of insurance services and to get a copy of my consumer file and Opt out. LexisNexis sent a response letter stating that thery were " unable grant my request '' and refused to send me an up to date consumer file or dispute any of the inaccurate information or opt out of their file discloure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TN

Complaint narrative:
I previously provided Experian court documents demonstrating my name was changed from XXXX XXXX to XXXX XXXX XXXX. Experian continues to list XXXX XXXX on my Experian account, although that name has not been used since the court order. Additionally, I have not applied for credit under the name XXXX XXXX since the court order.

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 2020-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have online savings acount with Discover Online Savings which had significant money, I dont use it much as its a savings account. I discovered on XX/XX/XXXX that around XX/XX/XXXX there were fradulant withdrawals from the account to the tune of XXXX XXXX The statement description says " XXXX  ACH ''. Though I have a XXXX account, it was never was linked to this bank account and there is no history of any such activity in my account.. I was not sent any notification by the bank of transfers nor was there two step authentication. XXXX and Bank refuse to help as its more than 1 year but as this is savings account which I did not use, I did not see the need to check statements regularly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 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: GA

Complaint narrative:
Equifax used my report the wrong way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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:
Dear Sir or Madam ; The Information Listed Below, which appear on my Credit report does not Relate any transactions that I have made. 
This is the Result of identity Theft. Please Block and remove these Fraud Accounts off My credit.

Pursuant to section 605B of the Fair credit reporting Act, and send the required Notifications to all Furnishers of all Information. 
thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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:
Dear Sir or Madam ; The Information Listed Below, which appear on my Credit report does not Relate any transactions that I have made. 
This is the Result of identity Theft. Please Block and remove these Fraud Accounts off My credit. 
Pursuant to section 605B of the Fair credit reporting Act, and send the required Notifications to all Furnishers of all Information. 
thank you for your 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 2020-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. These inquiries were not authorized by me and should be considered ID theft. 

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX  report. 

Inquiry details XXXX  Inquiry from XX/XX/2020 Finance XXXX  XXXX Inquiry from XX/XX/2020 Automotive XXXX  XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 XXXX  XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX XXXX XXXX Inquiry from XX/XX/2020 Finance XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, 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