vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
XXXX XXXX Reported : XXXX XXXX, 2021 {$190.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contract exist ... account was settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I have reached out to this company through certified mail requesting validation of the 2 accounts they have placed on my credit report and have gotten no response. It has been more than 30 days since said requests have been sent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Duncan Solutions, lnc.
State: PA

Complaint narrative:
I keep getting automated voice calls from Professional Account Management LLC the phone number they keep calling me from is XXXX I can not get ahold of them to tell them to stop calling and I feel like im being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have contacted TD Auto finance to receive the title for my XXXX XXXXXXXX XXXX XXXX. I paid a fee to receive my title. I was told it was sent in the mail. I never received my title. Instead the company sent a Lien release termination statement. I took the document to the Department of Motor vehicles in Florida. They do not accept this as a title. 

I called the same company and was on hold and sent through a continual loop of returning to the main menu. When I finally spoke to someone the employee told me to hang up and keep trying the number again. She then put me on hold and after 30 minutes to call was disconnected. I still do not have a title for my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect accounts and unauthorized inquiries.

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 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I have sent couple letters to this company requesting debt validation and have received nothing but account is still on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Essential Retrieval Group
State: WA

Complaint narrative:
My family members are receiving calls from XXXX XXXX at ERG trying to contact someone with a similar name to myself. The calls are from XXXX XXXX XXXX XXXX but asking to call XXXX XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-17 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
This is a year long attempt trying to resolve the ERRONEOUS reporting done by XXXX XXXX XXXX XXXX XXXX I have provided XXXX months of payment history from my bank account confirming that all payments were paid on time, never XXXX days late. 
I need help, please! 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
We are looking to recast our mortgage. The mortgage loan is held by XXXX XXXX XXXX and serviced by Shellpoint Mortgage Servicing. We were asked by XXXX XXXX XXXX to contact Shellpoint directly. Shellpoint asked us to submit a request in writing asking to recast our mortgage. When we did so, they immediately wrote back saying : " This email is in response to your request to recast your loan. Shellpoint is servicing the loan on behalf of the current investor, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Please be advised XXXX XXXX XXXX does not participate in recasting. '' When we contacted XXXX XXXX XXXX again asking for a clarification -- as their website contains a lot of information on recasting. I spoke on the phone with XXXX XXXX an escalation case manager at XXXX XXXX XXXX who sent me back to Shellpoint. 

At this point, the two companies are sending us round in circles, pointing us back to the other person. It is completely unclear why the loan can not be recast and who is making the decision. The information on their websites ( both Shellpoint and XXXX XXXX XXXX ) is completely contradictory to what we have been told on the phone and via email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: BANCORPSOUTH BANK
State: TN

Complaint narrative:
I have a bank account, line of credit, and credit card had been open in my name that are all fraudulent with BancorpSouth. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and XXXX  about this issue and have received the same inaccurate results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2021 at approximately XXXX. My account was breached and funds were took in out for a total of XXXX. Phone number including pin and password were changed in my account. They suspended my account because of a money transfer now I have no money and chime isnt giving me answers. They unauthorized merchant was ( XXXX ) for a total of 4 times adding up to the amount listed above. The bank is also sending me fake emails to portray as them to reset my password information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
Hi I had an agreement with amerisave to refinance my mortgage .3 % intrest Closing cost XXXX and a XXXX cash back at closing After paying the XXXX dollars and submiting all the paper. 
They send another agreement completly different 3 % closing cost almost XXXX And XXXX cash back Let me know if you need more information Phone number

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management added a derogatory mark on my credit report per XXXX XXXX, upon further research, this is not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Midland Credit Management has violated my rights as a consumer and Im requesting legal action to remove this account immediately. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of 2013 I was interested in building my credit so I opened a secured credit card with Bank of America. Since that date I have never missed a payment, I have always paid my balances off and my current balance is {$0.00}. According to XXXX and XXXX my credit score is between a 723 to a 754. I recently applied to have my account graduated from a secured credit card to an unsecured credit card. And you won't believe it, but I was declined! As far as I can remember, I was not given a reason, nor was I sent anything in writing from Bank of America as to why they did not approve the graduation of my card. I am extremely confused and disappointed since my scores are great and I have had no derogatory 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 2021-03-17 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: PA

Complaint narrative:
I previously called as well as disputed information that doesn't belong to me I made a report with FTC asking what I can do before filing a law suit this was my next step I provided my social security card, identification card as proof of these products not belonging to me and nothing was done. I wasn't notified by mail I asked to be notified by mail pending outcome of the investigation and nothing was provided when I call a man I talked to was very rude and aggressive with me and now I'm filing a complaint because nobody should be treated this way when I'm just looking for help I understand they get paid off more accounts I have on my account but by law if it don't belong to me it have to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: AL

Complaint narrative:
On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal advertised to use direct deposit to receive government benefits so I enrolled to recive my unemployment benifits. I waited 3 months to receive my back pay and on XX/XX/XXXX, XXXXi finally received my deposit and 20 mins later paypal locks my account and tells me I can't get my money for 180 days. Nobody will give me a reason for why this was done, I never violated any rules, yet they refuse to release my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
Hi- nice to meet you. 

I am reaching out as I frankly don't know what I can do in order to secure my escrow refund ( {$570.00} ) from AmeriSave. I'm extremely concerned as I'm worried this issue will compound as I decided to refinance with a separate bank and I'm owed an additional amount for my escrow refund ( {$3700.00} ). 

XX/XX/XXXX I noticed XXXX stated they had mailed me an escrow refund on XX/XX/XXXX. I never received that check. I called AmeriSave and they said it was mailed though it wasn't marked as cashed. At that point - late XXXX I was told that they would reissue the {$570.00} check. 

XX/XX/XXXX, XXXX I called XXXX back and they stated everything was on track to send a check. 

XXXX XXXX, XXXX I called and asked where the check was and XXXX stated it had been re-issued and I can't check back until 30 days later. 

XX/XX/XXXX, XXXX I called back on XXXX and asked where the check was. At that point I was told that they actually hadn't sent the check ( their notes stated it was reissued but not mailed ) and they would reissue. 

XX/XX/XXXX, XXXX I called back to check-in on whether the check had been mailed. I was told will need to wait 7-15 business days ( from XXXX ) to see if it had arrived. An inquiry was opened on my behalf. 

XX/XX/XXXX, XXXX I paid off my loan to refinance with a different bank. Separately, I received - in the mail- a note saying that an inquiry has been raised on my behalf on XX/XX/XXXX. I call again to ask for either a ) a tracking number or b ) for direct deposit. I'm told neither can be done. 

XX/XX/XXXX, XXXX currently on the phone waiting for a supervisor to help see if a check with a tracking number or a direct deposit can be accommodated. 

I have spoken to countless customer service, supervisors, loan servicing employees of AmeriSave. The best answer I have received as to why they can't direct deposit into the checking account that I use to deposit my monthly mortgage payment is " we aren't allowed to under CFPB laws ''. But nothing I'm reading in CFPB laws states that is a hard stop requirement ( please correct me if I'm wrong ) I'd really appreciate a ) direct deposit or b ) a tracking number or c ) some sort of acknowledgement of the grief they have caused me. I would have invested that money immediately in XXXX and the XXXX XXXX XXXX XXXX is up XXXX % since XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TX

Complaint narrative:
Account NameXXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account NameXXXX XXXX Account XXXX Account TypeCredit Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX XXXX  Account XXXX Account TypeChild Support ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedXXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$440.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX Account NameXXXXXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX ***remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX ***remove above incorrect names, not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX SINGLE FAMILY XXXX FM XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # NA XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX APARTMENT COMPLEX ***remove above incorrect addresses, not mine, FCRA violation ( XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect numbers, not mine, FCRA violation

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 2021-03-17 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: TX

Complaint narrative:
Account NameXXXX  Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account NameXXXX XXXX Account XXXX Account TypeCredit Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX XXXX  Account XXXX Account TypeXXXX XXXX  ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedFeb XXXX Account XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$440.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status UpdatedApr XXXX ***remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX ***remove above incorrect names, not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX ***remove above incorrect addresses, not mine, FCRA violation ( XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect numbers, not mine, FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I saw some accounts while going through my credit file recently that should not be there. These accounts are fraudulent because they are not mine. I can not understand how this could even happen because I have not given anyone access to my credit. Please have an investigation done on this issue immediately and have these fraudulent accounts deleted from my credit file. I am unable to get any new credit right now because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I saw some accounts while going through my credit file recently that should not be there. These accounts are fraudulent because they are not mine. I can not understand how this could even happen because I have not given anyone access to my credit. Please have an investigation done on this issue immediately and have these fraudulent accounts deleted from my credit file. I am unable to get any new credit right now because of this issue.

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I was not notified by Loancare LLC that I was due a payment, and auto-pay was not set up. I have called multiple times, submitted a written request, had lawyers reach out to them with no response from Loancare LLC over multiple month period.

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