vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been disputing the accuracy of the information on my credit reports with all three bureaus for over a year, with multiple rounds of disputes including the dispute of information regarding a public record on a bankruptcy discharged in XXXX. I got documentation from the US court stating they do not report or verify bankruptcy information. I then received documentation that the credit bureaus use XXXX to furnish information about bankruptcy. I froze my XXXX account in XXXX of XXXX, and filed another dispute with all three bureaus. XXXX removed the public record fro my report. Experian and XXXX respond to the investigation stating they had verified the bankruptcy information with XXXX. However, that could not be possible as my XXXX account and any information in it would not be accessible to the credit bureaus. Neither Experian or XXXX have provided any documentation as to how they were able to verify information they did not have access to ; they have not identified any source other than 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 2021-09-23 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: NJ

Complaint narrative:
I opened CFPB XXXX to complain company did not send my annual consumer disclosure as requested. 

Company 's response makes zero sense. I did not dispute any items on my report BECAUSE I DO NOT HAVE THE REPORT. 

Send me a copy of my annual consumer disclosure as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
i have these accounts that are not mine and i want them to be removed.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick 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 2021-09-23 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick 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 2021-09-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE 2 ACCOUNTS THAT DO NOT BELONG TO ME I WANT THEM REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ADP Inc.
State: VA

Complaint narrative:
Outstanding personal property tax bill ( XXXX XXXX VA ) from previous county of residence paid in full on XXXX. After locating original bill with " paid in full '' receipt from personal records and subsequent call to County of XXXX it was uncovered that the County had, on several occasions, attempted to notify ADP of corrected status in XXXX and XX/XX/2021. 
Subsequently, XXXX sent a notice of wage garnishment on XXXX ( per attached letter ) and received on Friday XXXX ( at my home address ). Document stating that a tax levy order was submitted by County of XXXX ( after my personal investigation ) on XXXX. Funds were garnished from paycheck in the amount of {$240.00} on XX/XX/2021 as evidence by paycheck stub. 
Call to XXXX county to review paid receipt and confirm " closed account status '' clarified the issue and prompted a call to ADP to uncover root-cause and initiate process to return payment of " double paid '' account. ADP Representative was briefed on situation and instructed me to call XXXX County to have someone call ADP to " release the request. '' A brief albeit respectful instruction was made to initiate resolution in real-time via conference call. Per both agency 's I am due a full refund and so have copied my current employer 's payroll department to close the loop. I will continue to follow up until an acceptable refund and resolution has been completed. 
I understand the importance and necessity of collecting funds due and the limitations and challenges that the pandemic has created. These challenges do not negate the absolute importance of appropriate and timely connectivity and communication. I have recovered a detailed timeline of events as well as documentation that I am willing to review on any further follow-up or formal investigation as the information reveals quite a bit of sensitive personal data. Thank you for your assistance. 

Letters and names of individuals from both ADP as well as the County of XXXX will be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I, XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2011. A consumer credit transaction in which a finance charge was involved. XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash or cash equivalents. However, Regional Acceptance Corporation collected a cash down payment of {$1000.00} USD ( see attachment ). In addition, the finance charge is to include insurancedespite that fact, Regional Acceptance Corporation required I obtain my own insurance policy separately.

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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
XX/XX/XXXX Reviewed credit report and discovered a XXXX point reduction. Have never received notification nor calls from collector. 

Called on XX/XX/XXXX was not able to reach collector. Unable to leave voicemail either as I box was full. Dispute claim with XXXX. 

XX/XX/XXXX XXXX stated that collection is valid. Reviewed and confirmed it was XXXX service for mobile. The service was transferred over to an XXXX XXXX in XXXX and I was removed from the contract. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

Unable to reach collection agency yo resolve issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted Transunion, XXXX and XXXX regarding this account and told them that they are reporting it incorrectly. It has been adversely effecting me and has ran my utilization up! I finally received the same letter that the bureaus did and they have done nothing with it!! I need someone to assist me with getting this negative item removed. I have two account with XXXX XXXX XXXX and they are updating the WRONG 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 2021-09-23 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland is reporting and should not be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: U.S. BANCORP
State: IL

Complaint narrative:
My account was labeled as a business account when in fact it was a personal account and they blocked online access to me. They allege that it was a banking error due to my mothers maiden name being inputted incorrectly by them. I went into the branch to fix it and they updated the account. Thereafter, I could log in but they had charged me excessive overdraft fees that I did not owe. They took off the fees but they reported it to my credit bureaus as delinquent, after they told me that it was corrected.

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 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Midland Mortgage took over as my Service provider from XXXX in XXXX. I was on a Forbearance plan at the time and resumed payments in XXXX of XXXX. After a loan Modification with them I inquired about it being reported to the credit agencies in XXXX of XXXX. Midland said it should appear by XXXX. It still has yet to appear on ANY of the three agency reports and two phone calls to XXXX and XXXX confirm there is no reporting. After several phone calls to Midland to solve this they continue to insist they are reporting my mortgage but refuse to contact the agencies to confirm or to even look at my reports to confirm. This has been a HUGE waste of my time and I have been told i would be called back several times with no follow up. Still no reporting of my Mortgage. Horrid customer service!!!

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 2021-09-23 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company reported without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
When I closed on my mortgage my understanding was that my mortgage would automatically be deducted from the account provided. During those first months I tried to register and login to my lenders website at loandepot.com but my account information was not recognized. The phone lines were hours long waits. Eventually I stayed on the line and found out my account was past due 30 days. The associate walked my through registration at loandepot.com/loanadministration, which wasn't intuitive. I XXXX  the account that moment. 

The nearing the next payment I checked the site to find {$0.00} due, which did not seem right, I called to doublecheck my account were current and enable auto-payments. The associate assured no balance was due and that auto-pay was enabled. I was then pinged for 30 days late again. I have been and followed all of their processes for resolution. I have spend hours on hold just to be transferred. They has me send internal messages, use live chat, send faxes, send metered mail and wait long lengths for replied. They would only reply " The payment was made 30 days late ''. But my inquiring to them was addressing the misinformation I was givent. 

I feel these should not be on my credit report because I was able and did make the payments when I was able to view the balance. The website showed a {$0.00} balance, the associate assured me the balance owed was XXXX, and that autopay was setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: WA

Complaint narrative:
This is SO FRUSTRATING. Three years ago I had a bill go to collection-this was already paid, well this lovely debt collection company decided to report it THREE YEARS LATER to mess up my credit. You should be ashamed of yourselves. REMOVE THIS FROM MY CREDIT REPORT ASAP OR I WILL GET A LAWYER.

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 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: NV

Complaint narrative:
This is the SECOND CFPB complaint against Loancare for same issue ( previous complaint XXXX ). Loancare is again reporting my mortgage account as late payment 120+ days which has caused my credit score to tank. This caused me extra money, denial of credit and unnecessary stress.

Loancare corrected reporting on XX/XX/XXXX to turn right back around today XX/XX/XXXX and report inaccurate information. 

This information is not correct. Per previous CFPB complaint and Loancares response - ACCOUNT WAS NEVER LATE.

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 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: GA

Complaint narrative:
yes in fact i am the consumer pursuant to 15usc1692a ( 3 ).

Mercantile adjustment bureau , LLC sent several communications to my place of abode without my express written consent. in these communication there were several violations of the Fair debt collection practices act. some of these violations pursuant to 15usc1692k were highlighted and returned with an invoice and demand for payment. i've made several good faith calls which were recorded for compliance purposes to them to allow them the opportunity to cure the outstanding invoice. as of today they late fees assessed have reached- {$12000.00}, in addition the the invoice amount. i will attach all communications as well, certified mail proof of delivery which will show when the late fees began accruing.

pursuant to 15usc1692L ( c ) i am writing to the bureau for administrative enforcement of these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU. I HAVE ACCOUNTS THAT DON'T BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION. I NEVER FILED THE CHAPTER XXXX AS WELL THIS IS NOT MINE

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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On our about XX/XX/XXXX, I attempted to complete a mortgage application with XXXX XXXX  to refinance my home loan. On or about that date, I was informed that my credit report contained a new delinquency that would prevent any refinancing. Specifically, my credit report indicated that an XXXX XXXX  was taken out in my name for more than {$7000.00} in XX/XX/XXXX, that the issuing financial institution, Goldman Sachs Bank, closed the account in XX/XX/XXXX with an outstanding debt amount of more than {$15000.00}, and that GS Bank reported a delinquency on my credit report in XX/XX/XXXX. 

I have never owned an XXXX XXXX, have never received communications about any such card from XXXX or Goldman Sachs Bank -- account statements or otherwise -- and had no knowledge that any such debt existed, was charged off, or reported. I have pulled my credit in the past two years and monitor it actively on XXXX XXXX and this XXXX  XXXX  did not appear on my report. I first learned of this through XXXXXXXX XXXX XXXX summary of my credit report. 

The mortgage broker at XXXX XXXX, XXXX, gave me contact information for Goldman Sachs Bank. I contacted Goldman Sachs Bank on XX/XX/XXXX and reported the identity theft. The person I spoke with also gave me information for credit reporting agencies, who I contacted between XXXX XXXX ( XXXX, XXXX, and XXXX ). They are currently conducting investigations about the GS Bank items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I purchased my first home through XXXX XXXX. My payment was set up for escrow within my P & I payment. In XX/XX/XXXX, my loan got transferred to BSI Financial Services from XXXX XXXX. Everything still seemed fine as mortgage transfers usually happen. In XX/XX/XXXX, I start to get letters from the XXXX XXXX XXXX Accessor office, advising that my taxes have been past due since XXXX. I tried to call BSI for information as to why this was happening. BSI kept giving me a running around as to taxes were paid. I called the tax accessor and they advised they never received escrow payment from any lender from the time I bought my home. The tax accessor has advised if I do not make a payment by XX/XX/XXXX, they can pursue legal action for foreclosure. I have contacted BSI once again to confirm what actions they are taking. They advised that they sent out a check back in XXXX, but it bounced and returned. Not once did they try to confirm why or where this returned. They now have mentioned they sent an escrow check on XX/XX/XXXX to the tax accessor, but only covers the taxes for the year XXXX. When I spoke to BSI, they advised that when they received the loan from XXXX  XXXX, they mentioned there was no escrow balance transferred to them from XXXX. They mentioned that maybe XXXX had paid out the full escrow balance to the taxes, but does not satisfy that comment. As XXXX County tax accessor has provided details that there has been no escrow payment in XXXX. I am beyond disappointed in both servicers as to how they're handling my escrow account. Had I known the irresponsibility of the mortgage servicers was this bad, I would not have set up escrow into my payment. Now my escrow has been reanalyzed and my payment has jumped from about XXXX to now XXXX due to the incompetence of these mortgage servicers. Neither BSI nor XXXX XXXX wants to speak to me directly to figure this mess out. I have done what I am supposed to as a borrower and make my payments on time. If neither, XXXX XXXX or BSI financial want take responsibility for their lack of service, I will be moving forward with prosecution. It just seems as both lenders would rather have my home foreclosed on than to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MI

Complaint narrative:
I have contacted XXXX, XXXX and Experian regarding this account and told them that they are reporting it incorrectly. It has been adversely effecting me and has ran my utilization up! I finally received the same letter that the bureaus did and they have done nothing with it!! I need someone to assist me with getting this negative item removed. I have two account with XXXX XXXX XXXX  and they are updating the WRONG 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 non-monetary relief
Consumer complaint received 2021-09-23 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: MI

Complaint narrative:
I have contacted Equifax several times regarding this account being reported incorrectly and they have yet to resolve it. I finally contacted the company to receive a letter showing that it is reported incorrectly and have mailed it Equifax, three times. In the meantime they have done nothing with it. They are confusing this account with an open account that I am an authorized user on, they need to pay attention and read the letter and they will see the correct account! This is ridiculous

Company response to consumer: Closed with explanation