vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I contacted the company in regards to my credit report showing inaccurate and incomplete accounts information. Reporting to creditors and lenders different information than what's being showed on my credit profile. Also, accurate are reappearing after been deleted for statue of limitations or dispute them and no validation from the creditors. The original date of delinquency is not listed, payment history, amount owed or Collection Names of account hold. Also, there are several inquiries I am requesting to be disputed in while they prevent me from doing. I filed one dispute and need to do another but XXXX refusing to allow me to do so. Please help me to result this issues. And because XXXX reporting inaccurate information I getting denial letters, inquiries on my report and decrease in my credit scores

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 2019-12-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I contacted the company in regards to my credit report showing inaccurate and incomplete accounts information. Reporting to creditors and lenders different information than what's being showed on my credit profile. Also, accurate are reappearing after been deleted for statue of limitations or dispute them and no validation from the creditors. The original date of delinquency is not listed, payment history, amount owed or Collection Names of account hold. Also, there are several inquiries I am requesting to be disputed in while they prevent me from doing. I filed one dispute and need to do another but XXXX refusing to allow me to do so. Please help me to result this issues. And because XXXX reporting inaccurate information I getting denial letters, inquiries on my report and decrease in my credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: OH

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these line items 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 2019-12-10 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: OH

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these line items 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 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Good afternoon, I'm, unfortunately, contacting you again due to the fact that mr. Cooper is absolutely adamant about following deceptive business practices, as well as, breaking Federal lending and compliance guidelines. 

The most recent effort, on their behalf, to send our home to sale is that they've refused to even review documentation for our requested loan modification. 

Mr. Cooper claims that the documentation was not received within 37 days prior to the XX/XX/XXXX sale date. However if you look at the email confirmation attachment, the documentation was marked as received on XX/XX/XXXX. Which is 38 days prior to sale. 

This is just another attempt in a long line of attempts, by mr. Cooper to mislead us and perpetuate their deceptive business practices. Not only this, but I filed an additional complaint with the Illinois Attorney General on XX/XX/XXXX, regarding the multiple requests that we've made to have specific questions answered by mr. Cooper. They are still actively reviewing this complaint and, by law, should have postponed this sale already. These are questions which they failed to respond to on numerous occasions and this is another example of how mr. Cooper does business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: FL

Complaint narrative:
I HAVE DISPUTED XXXX ON MY CREDIT REPORT SEVERAL TIMES AND I JUST RECEIVED A RESPONSE FROM XXXX STATING THIS HAS BEEN VERIFIED WITH THE ORIGINAL CREDITOR YET THERE IS NO USAGE REPORTS, NO PROOF OF DELIVERY, AND I NEVER RECEIVED ANY SERVICES FROM XXXX XXXX XXXX. I JUST SEE A BILL BUT NO PROOF AND I AM ADAMANTLY DISPUTING. I CAN NOT PAY FOR SERVICES THAT I DID NOT RECEIVE AND WHEN I ASKED XXXX XXXX XXXX THEY STATE THAT THEY SEE THE PHONES WERE NOT ACTIVATED AND NOT USED. I NEVER RECEIVED ANY PHONES AND I CAN NOT PAY. I HAVE XXXX AND I HAD XXXX DURING THAT TIME FRAME. I WILL PAY IF THEY CAN PROVIDE YOU AND I MY SIGNATURE AND USEAGE. THIS IS THE INFO THAT THE COPS WOULD NEED TO PRESS CHARGES ON WHOMEVER GOT THESE PHONES IN MY NAME. I WANT THIS REMOVED OFF ALL OF MY CREDIT BUREAUS UNLESS A PROOF OF DELIVERY, SIGNATURE AND USEAGE IS PROVIDED. THEY CAN NOT EVEN PROVIDE ME A PHONE NUMBER FOR THESE SERVICES. I DONT THINK THIS IS RESOLVED BY JUST THE CREDITOR STATING THIS ALONE WITHOUT PROOF

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 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
My mortgage was sold from Ditech to a company called, XXXX (? ). I was just notified on XX/XX/XXXX after calling Ditech with ongoing issues I have had with them. They said they sent me notice to my address and when I argued it, they said they sent the notification to an address I am not aware of. They said I or my ex husband made the change. I am the only one with access to the account due to it having a password. Now, I can't get any prior information. Including info of them charging my account money for things that didn't take place to emails I have sent about not getting my mail from them to them charging me money for things they didn't do. From XX/XX/XXXX to XX/XX/XXXX they charge my account {$30.00} a month. At first nobody knew why but it continued. Then they came up with, it was due to monthly drive bys. However, no reason why and they could only produce 2 receipts from early XX/XX/XXXX during a divorce that these drive bys were done. 
Also, I just recently found out of Ditech being sued and filing bankruptcy. 
I can not retrieve any of my documents due to sale date of XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
I been telling the company stop calling this account does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Home # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time 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 non-monetary relief
Consumer complaint received 2019-12-10 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: FL

Complaint narrative:
I HAVE DISPUTED XXXX ON MY CREDIT REPORT SEVERAL TIMES AND I JUST RECEIVED A RESPONSE FROM XXXX STATING THIS HAS BEEN VERIFIED WITH THE ORIGINAL CREDITOR YET THERE IS NO USAGE REPORTS, NO PROOF OF DELIVERY, AND I NEVER RECEIVED ANY SERVICES FROM XXXX XXXX XXXX. I JUST SEE A BILL BUT NO PROOF AND I AM ADAMANTLY DISPUTING. I CAN NOT PAY FOR SERVICES THAT I DID NOT RECEIVE AND WHEN I ASKED XXXX XXXX XXXX THEY STATE THAT THEY SEE THE PHONES WERE NOT ACTIVATED AND NOT USED. I NEVER RECEIVED ANY PHONES AND I CAN NOT PAY. I HAVE XXXX AND I HAD XXXX DURING THAT TIME FRAME. I WILL PAY IF THEY CAN PROVIDE YOU AND I MY SIGNATURE AND USEAGE. THIS IS THE INFO THAT THE COPS WOULD NEED TO PRESS CHARGES ON WHOMEVER GOT THESE PHONES IN MY NAME. I WANT THIS REMOVED OFF ALL OF MY CREDIT BUREAUS UNLESS A PROOF OF DELIVERY, SIGNATURE AND USEAGE IS PROVIDED. THEY CAN NOT EVEN PROVIDE ME A PHONE NUMBER FOR THESE SERVICES. I DONT THINK THIS IS RESOLVED BY JUST THE CREDITOR STATING THIS ALONE WITHOUT PROOF

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 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 

U.S. Code1692e.False or misleading representations 8 ) Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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:
XXXX XXXX is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 

U.S. Code1692e.False or misleading representations 8 )  Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.

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 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under RMP Services LLC. I requested a validation on XX/XX/2019 as there was XX/XX/2019 I reviewed my credit profile again as RMP Services LLC had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit  bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
My issue is with Quicken/Rocket Mortgage, we applied for a conventional loan and they set it up as a FHA loan. The real estate agent sent them emails letting them know we want a conventional loan. I paid {$XXXX} for an appraisal that would not pass the lender under a FHA loan. They deliberately did this and refuse to change the loan to conventional. I would like my money back for their deception in this process, they were looking into making a quick buck and not assisting me acquiring a loan. 

Date : XX/XX/2019 Amount : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I bought a house XX/XX/XXXX for {$220000.00} I had a credit score of XXXX/XXXX, I was put into an FHA loan because I was told that I only had 10 % down payment. XXXX  XXXX XXXX bought the loan@ 3.625 % ( until XX/XX/XXXX ) they transferred the loan to Carrington Mortgage XX/XX/XXXX/XX/XX/XXXXBalance was {$180000.00} before payment of {$1300.00} on XX/XX/XXXX. Carrington Mortgage took over w 1st payment starting XX/XX/XXXX@ 3.625 % ( until XX/XX/XXXX ) ... 
XX/XX/XXXX intrest rate went up to 4.625 % New payment was at {$1400.00} then dropped to {$1400.00}. I had contacted them in XX/XX/XXXX about removing my PMI due to the equity/value of my home & received a letter back From Carrington mortgage stating premiums are set to cancel XX/XX/XXXX based on original closing documents or per Hud principal balance must reach a {$170000.00} in order to qualify for early cancelation current principal balance is at {$180000.00} I have contacted them again and no response. As of my statement Date XX/XX/XXXX payment due date XX/XX/XXXX my principal balance was at {$170000.00}. 
My current principal balance as of XX/XX/XXXX is a {$170000.00}! My house is currently valued at {$260000.00} ( without any of the upgrades I have done ) Not only have they not removed my PMI but on several statements they're showing " past due balance '' {$5.00} or {$10.00} Which is what they actually charge to make a payment online with your checking account. They are continuously sending emails, mailings and calling wanting me to do a refinance on my house. Please Help! I have contacted my lawyers to contact them and they have not responded to my lawyers. 
Where do I go from here?!!?

Company response to consumer: Closed with explanation