vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
My wife and I sold a previous home in XXXX and the mortgage lender freedom mortgage had asked why we were not using them to buy our next home. After that suddenly we were being told that 2 months of mortgage payments were late which was obsurd due the fact they were set automatically each month through our bank XXXX XXXX XXXX. We then contacted the bank and have statements proving that we were not late on any payments over 30 days that they were all paid within the time period. 

After bringing this to there attention and showing them proof they still would not take care of the situation and low and behold now our credit took two hits, and they refuse two fix anything even though we showed them all of the mortgage was received. After investigation this is not the first time Freedom mortgage has been sued for previous occurrences similiar to this and I want them to correct what they have attempted to destroy. The amounts I always paid were XXXX which the amount was about XXXX and some change.

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 2021-09-21 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: AZ

Complaint narrative:
I have 5 inquiries on my credit report that I m not familiar with, From 1. XXXX/XXXX 2. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: AZ

Complaint narrative:
I have 5 inquiries on my credit report that I m not familiar with, From 1. XXXX/XXXX 2. XXXX XXXX 3 XXXX 4. XXXX/XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: IL

Complaint narrative:
Fraudulent reporting on behalf Experian ;

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
There is a collections on my account for where I never lived and I called the collections company and they said The person only had a ID

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 2021-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Siggi LLC
State: TX

Complaint narrative:
I am XXXX XXXX, a natural person & a consumer. 

I decided to do business with this company, received the funds & saw in the contract that a finance charge was included. According to the truth in lending, the finance charge is the sum of all charges which means I should not have to pay cash. Everything is paid for with credit, I reached out to the company to let them know that & all of the laws that theyve violated & also sent them an invoice. They replied & said that theyre not subject to the FDCPA laws, and continued to take {$200.00} out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This account has age off my credit report and still reporting negative remarks to this day on XXXX. I know this account does not belong to XXXX XXXX XXXX I have asked for proof. to this day I have not yet received any notice of this account. I request the following. 
The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I paid off my car loan with XXXX XXXX. XXXX  did not send the payoff information/account status to all three Bureau 's until XXXX XXXX XXXX. When they did, XXXX and XXXX showed my account to be paid/closed and paid as agreed. Experian showed the same, but it also showed the account was 60 days past due of XXXX XXXX. On two separate occasions I sent Experian the proper documentation showing I had no delinquency 's. I then contacted both parties to have them correct the issue, neither party would do so. They both put the matter in dispute with a 30/40 day period wait. Finally on XXXX XXXX XXXX, XXXX XXXX sent the proper reporting 's to all three Bureaus. XXXX and XXXX updated their system on XX/XX/XXXX. I called Experian on the XXXX to have them do the same. I informed them that the other two Bureaus did so, yet Experian contuses to give me the run around. There saying it can take up to another 30 days for it to reflect on my credit. Meanwhile, my credit score has dropped 70 points as of XXXX XXXX. It has taken me a long time to have a excellent credit report, something I am very proud of. Yet, Experian refuses to correct the issue, even thought they have all the necessary documentations from myself and 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 non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a CareCredit card with Synchrony Bank. They keep adding late fees, even when the card was mailed on time. Last month, they cashed my check the day after it was due, and still charged me. This month two days after. They state on their payment envelopes you must mail the payment 5 days earlier when you use the mail. But their computer told me today that you must mail it 7 days in advance. 

This is becoming a major problem with all bills. The electric company told my mother she must send in her bill more than 10 days early, because they are up to 10 days behind in processing. But they also charge {$10.00} for doing a payment over the phone. 

Why is it that the IRS only requires that the payment and/or the filing by mailed by the XXXX ( due date ) ; but these companies can arbitrarily make up due dates? They are tring to force us to let them into our bank accounts, or make auto payments on credit cards. When you have major companies getting hacked, and companies like XXXX double billing whole communities, this is unreasonable.

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 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
Im issuing this complaint due to a violation of my HIPAA rights. I do not have a debt with this company. Ive repeatedly requested debt validation from this company. I will forward my last letter sent to Americollect via certified mail, where I requested : 1. Proof of Americollect right to own or collect this debt. 2. Balance owed including all fees, interest, and penalties. 3. Contract bearing my PERSONAL SIGNATURE. You will notice that Americollect sent a response that failed to address the three requirements federal law states must be provided to validate and authorize ALL CREDIT DEBT! Unfortunately Americollect has failed to provide me with ANY of the information I requested and is REQUIRED by law to provide. By law Im utilizing the Estoppel by Silence defense in that Americollect has chosen to remain silent by not providing information federal law states Must be provided in order to validate ALL CREDIT DEBT! The ONLY applicable remedy is for this debt to be IMMEDIATELY removed from my credit report. Americollect is unauthorized to own, collect, or report this or ANY DEBT concerning XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: NY

Complaint narrative:
I called equifax numerous times. Remove these accounts and inquiries as they are unauthorized and without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
Paragon Revenue Group reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021. I have no idea how Paragon Revenue Group received my personal medical information. I have not agreed to do any business with Paragon Revenue Group, I have not received any goods or services from Paragon Revenue Group, nor am I responsible for their debt collection purchase from their alleged client. Paragon Revenue Group have violated my H.I.P.P.A. rights and are trying to collect on an alleged debt. 
Paragon Revenue Group are acting as attorneys violating the FDCPA attempting to collect on an alleged debt without providing any proof of service or goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: MA

Complaint narrative:
D & A Collector Company calling at work. They are not allow to called my work for personal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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 improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with XXXX XXXX XXXX which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my TransUnion and XXXX accounts. 

XXXX XXXX requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.

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 2021-09-21 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: TX

Complaint narrative:
XXXX XXXX XXXX improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with XXXX XXXX XXXX which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and XXXX accounts. 

XXXX XXXX requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with XXXX XXXX XXXX which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and Experian accounts. 

XXXX XXXX requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.

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 2021-09-21 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: FL

Complaint narrative:
I HAVE UNAUTHORIZED INQUIRIES AND ACCOUNTS I WAS NEVER LATE ON I AM ENCLOSING A LETTER OF EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GreenSky, LLC
State: FL

Complaint narrative:
I have contacted Green Sky on multiple occasions about them reporting a charge-off on my credit report when there was never even a late payment. I had a joint account with my mother for a Green Sky home improvement loan. My mother filed for bankruptcy a year after getting the loan but I continued to make monthly payments on time. When Green Sky decided to report the loan to XXXX, they reported it as a charge-off while providing payment history of uninterrupted timely payments. When I called Green Sky, they told me that the charge-off is reported regardless of me making monthly on-time payments. For an account to be a charge-off it has to be delinquent for at least 120 days, of which is not the case here. However, it is a violation of the FCRA to knowingly report false information to credit bureaus. Green Sky called me to fix the issue, admitting it was an error but they had to consult a manager to fix it. The supervisor I spoke with never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
I received a phone call on my personal number saying that I now had an upcoming court date. The number was a XXXX area code, the same as mine, but I was supposed to call back an XXXX number. They stated the court case number in the message. They also called my employer, and left the same message, revealing my court case to my employer. I have not been previously notified of this debt, nor did I have any knowledge of it. They claim this is a credit card from XXXX XXXX in 2009. I contacted XXXX XXXX and they did have a record of me having a credit card, but that I paid the amount owed in full and they had no record of having to sell it to a debt collector. When I talked to the collector on the phone, they put me on hold to speak to the original creditor, and came back with a settlement agreement which they then emailed to me. I googled the name of the company- XXXX XXXX XXXX XXXX XXXX and was unable to find anything. I also did a reverse look up on the phone numbers given to me to contact them and couldn't find anything. I emailed them back asking for proof of ownership of this debt, and their response was that they were unable to provide it as the " discovery process '' was already over, even though this was the first time I had been notified of this debt. I am at a loss for what to do, as they claim the original creditor was XXXX XXXX, and I spoke to them and they have no record of this. I also feel that it is illegal to give out a court case number to my employer and leave it in a voicemail that anyone could have heard.

Company response to consumer: Closed with explanation