vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have been receiving 4 to 5 calls a day from Discover Finance, XXXX XXXX, for several months. They obviously have my name confused with someone else because I am current on all bills with a credit score of XXXX. I refuse to talk to them to correct their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
this is in responce to XXXX i have to do it this way because usaa will not respond to me. if i call XXXX XXXX i will get an answering machine and she will not call back. i did not do what they are accusing me of. i did not give out the imformation they are accusing me of. i did access my account to get my account number and routing number. i never spoke to the person receiving the wire transfer. i was aware of the name because that is when i called usaa to secure my accounts. XXXX done nothing to secure my accounts. she interfered in secureing my accounts. i was made aware she did not follow proper protacall. i never got to finish setting up my saving account. i dont remember a DAD. every time i file a complaint usaa puts something different in responding to the complaint. i am short XXXX in my savings account. this bank was corriusponding with someone from XXXX on this matter. they did freez my accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.

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 2020-09-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: VA

Complaint narrative:
Ive been disputing this XXXX XXXX account with Experian for about a year now starting with date XX/XX/19 item was removed and deleted and placed back on my credit and the account number is XXXX amount showing before deletion was {$140.00} police report was sent also with report number XXXX for identity theft dispute report number XXXX XXXX XXXX refuses to send me information on why this continues to be reported and has not responded to my request for information.

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 2020-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called Experian on XX/XX/20 because my FICO score dropped 41 points. I spoke with a supervisor named XXXX. He and I agreed that the only thing that changed on my credit report from the previous month was that I had a {$0.00} balance on my credit card because I don't usually carry a balance on my account if I can help it. I DID NOT close the account. I just try to not keep a {$0.00} balance because the interest rates are so high and there is {$0.00} interest if I do not carry a balance. 

Supervisor XXXX told me that an algorithm made the change and that is not disputable unless I hired a licensed credit repair specialist to investigate my " dispute ''. I don't know why I would have to hire this person and I was NOT disputing anything. I just wanted to know why my score dropped and XXXX refused to assist me. 41 points is a huge drop and I need this fixed promptly.

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 2020-09-10 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: VA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-09-10 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: VA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington mortgage ( XXXX XXXX XXXX   XXXX XXXX  ) Carrington Mortgage services is the lender who is listed as my  mortgage holder. I make payments to them on this loan. This loan is currently in forbearance expiring on XX/XX/2020. The Forbearance began on XXXX XXXX When the pandemic began. I would like to give you some details. A payment was made on XXXX XXXX in the amount of XXXX. Record of payment is enclosed. The payment was enough to cover 2 months ( XXXX and XXXX ) leaving a balance of {$380.00} in suspense. I am working on making another payment by the end of the week on XX/XX/2020 in the amount of {$1100.00} Which will cover 2 more months ( XXXX and XXXX ). I have been communicating with the lender Carrington Mortgage services as they told me because there are programs that might the payments to bring my account current. I only owed the month of XXXX. This record of payments is also listed on a printout provided by my lender. I just wanted to make sure you were informed properly of my situation and giving the opportunity to do so. Also I wanted to add that I was contacted by a person of the name of XXXX ( XXXX ) XXXX XXXX XXXX ( mortgage Investment firm ) He stated that he wanted to work out the mortgage payments with us. I asked who he was and he stated to me that he was assigned from carrington Mortgage company. I said to him do you know that attorneys were involved with this situation. He said he didn't know that. He wanted the name of the attorneys. I stated to him that you should of got that from the mortgage company. He said that he will get back to me as soon as he gets that information. The attorneys who submitted paperwork to the court house are ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) address :XXXX XXXX XXXX, XXXX XXXX XXXX, new york XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Regarding : PNC Bank I received a letter saying that there was a shortage on my escrow account. The letter offered me the option to pay the outstanding balance ( shortage ) in order to keep my monthly payment the same or to increase monthly payment. I choose to send the one time payment in order to keep my monthly payments the same. I even submitted an additional XXXX payment to the principal. 
After I submitted that payment, PNC Bank still arbitrarily and without any notice increase my monthly payment by {$55.00}. XXXX so instead of paying {$3200.00} a month I am now required top pay {$3200.00} a month ). When I called the bank the staff who took the call, said the the bank can increase my monthly payment at any time. I ask to speak to someone else and I was put on hold for 46 minutes and then ended up leaving a VM hoping that someone will call back ( I am still waiting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
FHA LOAN BEWARE! I never received a copy of my appraisal prior to closing on XX/XX/17. The appraisal show 's the value of the property along with the pictures that were taken that might reveal detrimental non-compliant conditions. See attachments of all deficiencies that existed during appraisal, but was noted as it " meets the standards ''. For anyone who has similar issues your appraiser is " required '' to properly observe and properly explain existing conditions during the appraisal. Mine did not do those requirements which in turn in my opinion is an inflated value for not adjusting the value vs repair cost or even property ineligibility. Someone also failed to properly review the appraisal documents as required by HUD. Do your research before ever applying for an FHA loan with a lender. Look at the company 's history and see if any complaints exist or are ongoing as my lender has plenty. A vital error in the process has cost me XXXX XXXX XXXX XXXX XXXX of dollars and more. Do not rely on the trust of others.  The crawl space has dirt up to the floor joist which later revealed rotten wood throughout the house. We found that dirt covered plumbing just a few feet from where the picture was taken by the appraiser that was XXXX taped. This is not how a FHA 203B loan is suppose to work. The appraisal is for the " buyer protection '' some said but is actually used for collateral in the event your default or foreclose. If done properly the appraiser and review of the appraisal will protect you, but mine did just the opposite!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: IL

Complaint narrative:
XXXX XXXX is fraudulent on my credit Account on Experian and 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 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a prior collection dispute with Equifax for this same account that XXXX XXXX was inaccurately reporting. The account was successfully removed from my credit report after several disputes with the credit bureaus and a CFPB complaint was filed under ID XXXX and XXXX Now, the same account has illegally been reinserted onto my credit report under a different collection agency, XXXX XXXX XXXX. This is another FCRA violation. I did not receive any formal notice from this collection agency or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with  copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or  verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: NC

Complaint narrative:
MY WALLET WAS STOLEN THESE ACCOUNTS ARE NOT MINE. 
I NEED THEM REMOVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
End of XX/XX/XXXX, early XX/XX/XXXX I called to have my XXXX services transferred to my new address as I was moving. I was told they didn't service my new address and I would be able to cancel services with no early termination issues. I was told I would receive a shipping label in the mail at my old address in order to return the equipment. I am XXXX so I was glad to hear that I wouldn't have to go in to the store. I never received the label so I took the equipment with me to my new address. I waited for a final bill until I moved and also when I moved I waited for a bill to be forwarded to my new address with my change of mail request. I received nothing. Now I received a phone call from Sunrise Credit Services today XX/XX/XXXX attempting to collect {$250.00} that I had no knowledge of owing. I called XXXX  immediately and the billing department was " unable to pull up a detailed bill '' so I was transferred to the retention department who I was told by XXXX  that could provide the breakdown. I was told by the retention department that I needed to go to the store with the equipment and that the billing department would be able to provide the breakdown and was cut off mid question and transferred back to the billing department and the line was disconnected.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I observed on my credit report that I had a delinquent account with American Express. This account had not been paid in years and I reached out to them to offer a settlement to have the account closed showing settled. When I contacted the company at XXXX I was told the account was in collections with XXXX collection company. I was told to contact XXXX at XXXX to settle my debt. I contacted XXXX on XX/XX/2020 and was told they were not handling any accounts with my information and that I would need to contact American Express again at XXXX. I once again contacted American Express and told them what XXXX informed me. I was then informed that my account must be in limbo between collection agencies and them and that I would have to call back at a later time. I asked to speak with a supervisor because it is my right to take care of debt on my credit report when I call and if they can not provide that service for me than I believe the debt should be removed from my credit reports all together. American Express is causing my credit to suffer longer than it should because I have the money to settle the debt on XX/XX/2020. I wish for American Express to provide me the means to settle this debt and to allow it to show settled as of XX/XX/2020 since this is the day I attempted to settle the debt or I request American Express to show the debt has been paid in full without collecting my payment since they will not provide me a way to pay it. The account is listed under my name and social as they would not provide me an account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 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: NC

Complaint narrative:
MY WALLET WAS STOLEN THESE ACCOUNTS ARE NOT MINE. 
I NEED THEM REMOVED ASAP

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 2020-09-10 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-150 ) days late on the XXXX XXXX partial 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 would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: IL

Complaint narrative:
XXXX XXXX is fraudulent on my credit Account on XXXX  and Transunion

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 2020-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I contacted my servicer " Great Lakes '' during COVID-19 to determine when I needed to resubmit my IDR plan request. I also got an email from the company stating " Please send proof of your gross income by sending in one of the following : - W2 ( current year ) - Pay stubs ( indicate weekly, bi-weekly, monthly, etc. ) - Letter signed and dated from your employer and must include : - Gross income - Pay frequency ( weekly, bi-weekly, monthly, etc. ) - SSN and/or name '' I provided my W2. I then called 2 weeks later since I had not heard anything back and the representative said its finished and I just haven't received communication back yet but in her system I should be contacted soon. A few days later I received an email that the same thing as before. I was then told I need to give them my Tax returns. I did that and a week later now they want pay  stubs stating my spouses income information is " unavailable '' yet its on the tax return I submitted and they are asking for only my paystubs which make no sense. I have been working on this for over a month and my application is due soon and I keep getting a run around from the company. 
I can provide emails, etc if requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation