vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lamont, Hanley & Associates, Inc.
State: CA

Complaint narrative:
Sometime between XXXX XXXX XXXX, I logged in to XXXX XXXX XXXX website. From that Website I e-mail the customer services informing them that I will not renew my car insurance with them because they increase my insurance premium almost every six months. 

Every six months they ask for my authorization to confirm my Autopay with my XXXX ending # XXXX. I did not confirm authorization XXXX for XX/XX/XXXX to XX/XX/XXXX. 

However, they decided to collect XXXX from my XXXX ending # XXXX, XX/XX/XXXX {$230.00}, on XX/XX/XXXX {$230.00} and XX/XX/XXXX {$230.00}. They did these without my authorization. I contested these bills through my XXXX and they open a Fraud investigation, I received a demand letter from collection agency dated XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NH XXXX PHONE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
I only paid this is because I was under duress from my your company and I never exercise my right to validate this debt. My rights were violated by pressure I feel like you guys did not properly validate this debt I feel like I over paid you when I didnt owe you. Please DELETE this from my account. Only contact me through CFPB. Please attach Confirmation Deletion Request on your company letterhead showing this account has been deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I am a co-signer on a student loan for my ex-wife. Navient is the student loan processing company. When my ex-wife exceeds the payment due date ( always paid within the same month as required submittal ),  Navient starts robocalling my home phone. I can get up to 5 or 6 calls a day on my home phone until payment has been processed. I've heard horror stories about Navient. Not only do they harass the XXXX out of account holders ; when payment is received, it can take up to 10 days for them to process and post. During this time, they will continue to robocall. I've requested in the past to deal with me via USPS and quit calling. My next step is to pursue this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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:
Equifax after several attempts over past 2 years finally removed a negative account XXXX XXXX, a account I have never owned from my file ... and then downgraded my vantage score from a XXXX to a XXXX, I just got approved for a loan for sons college ... and this drop cost me a additional {$1300.00} in interest, prior auth was based on a XXXX with good credit, now since its dropped to a XXXX fair, interest rate is escalated, my Credit Score should be easily in the area of 800, I have nothing but excellent paid record on all legitimate accounts, and they have not increased my score as they should have, comparatively XXXX XXXX and XXXX, when they removed the XXXX XXXX account, increased my score from XXXX a XXXX to XXXX, and XXXX XXXX to XXXX respectively, yet Equifax downgraded my score by 44 points, even with several credit line increases ... this is outrageous

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-06-24 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: FL

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-06-24 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This is was charged off and should not be on my report period this account is from 2015 it's 2019 not my account this account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: GA

Complaint narrative:
I recently discovered that I am victim of identity theft and have file theft report in reference to the incident. I am not familiar with credit and how it works. I receive help from the credit reporting agencies in regards to having items removed due to fraud. I was told to file a FTC   report to have the following items blocked/ deleted. However, the items are still listed on my file. I am reaching out to the CFPB to assist me with my 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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom it may concern, I have some major issues with my credit report fraudulent addresses, inaccurate name, and un-validated accounts showing on my report. My name is XXXX XXXX XXXX not XXXX XXXX please delete ANY and all variations of my name they are not accurate. I beg that your department might consider helping with a difficult situation. I have managed to get my XXXX XXXX Credit Report updated properly. However managed to acquire some unverified items that have effected my FICO. 
Eventually I look forward to applying for a home loan, and as a result I am worried this inaccurate information may spoil my credit rating. Please delete the following accounts this is a 609 FCRA dispute on the following : XXXX XXXX XXXX, XXXX I have never had accounts with theses companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
My mortgage was transferred to Rushmore in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have an ARM Mortgage with the original loan amount of {$450000.00}. 

There are 3 issues : 1. Payment History I was concerned about the principal and interest amount being charged by Rushmore so I asked them for my payment history. I was told they only have my history as of XX/XX/XXXX, I contacted XXXX XXXX who said that everything was transferred to Rushmore. I would like to see my payment history since XX/XX/XXXX when I first acquired the loan until today, This will allow me to see the interest rate, the principal and interest payment., All of this information is with Rushmore and I have been asking for this information for nearly 2 years. 

2. Principal and Interest The principal and interest being charged is high. When I first got the loan the interest rate was over 7 % on a principal balance of {$450000.00}. I can not remember the exact payment amount but I think it was about {$2700.00} including escrow ( this is why I need my payment history ). Today the interest rate is 6.125 % and the principal balance is {$360000.00}. Yet the principal and interest is higher than when the interest rate was 7 %. 

I will be able to provide specifics if I could get a copy of my payment history. The current calculation is wrong and is making my payments unaffordable. This has resulted in me being unable to pay. 

3. Notice of Intent to Foreclose In the District of Columbia, a Notice of Intenrt to Foreclose is typically send 120 days after the borrower has stopped paying the mortgage. Here, Rushmore the note is 45 days past due, I plan to call Rushmore to work out a plan but the Notice of Intent is premature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MO

Complaint narrative:
I have contacted Americollect Collections after getting a credit notification about negative information on my credit report. Americollect Cllections does not have any contracts with me. After making contact with the listed creditor, who did not verify that I owe Americollect any monies for any services at all. The company did not remove the fraudulent accounts from my report. Americollect Collections is reporting the same account with different figures. 
Americollect {$330.00} Americollect {$160.00} Americollect {$160.00} Americollect {$160.00} Americollect {$150.00} Americollect {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX credit card, XXXX XXXX XXXX ) XXXX XXXX XXXX, Well 's Fargo Bank and XXXX XXXX XXXX XXXX have all neglected to follow the correct step 's and procedure 's to prevent and stop fraud. I have a security freeze and fraud alert on my credit report and not 1 bank take 's the necessary step 's to confirm my identity or to report suspicious activity that I spot.

My checking account at Well 's Fargo Bank should be reported for fradulent activity. Every department has lied to me about procedure 's that should be taken after a report/error is made and also about how transacation 's are posted and deducted from my account balance. My negative balane is incorrect as well as my entire account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom it may concern, I have some major issues with my credit report fraudulent addresses, inaccurate name, and un-validated accounts showing on my report. My name is XXXX XXXX XXXX not XXXX XXXX please delete ANY and all variations of my name they are not accurate. I beg that your department might consider helping with a difficult situation. I have managed to get my XXXX XXXX Credit Report updated properly. However managed to acquire some unverified items that have effected my FICO. 
Eventually I look forward to applying for a home loan, and as a result I am worried this inaccurate information may spoil my credit rating. Please delete the following accounts this is a 609 FCRA dispute on the following : XXXX XXXX XXXX, XXXX I have never had accounts with theses companies.

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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis
State: OH

Complaint narrative:
To whom it may concern, I have some major issues with my credit report fraudulent addresses, inaccurate name, and un-validated accounts showing on my report. My name is XXXX XXXX. XXXX not XXXX XXXX please delete ANY and all variations of my name they are not accurate. I beg that your department might consider helping with a difficult situation. I have managed to get my XXXX XXXX Credit Report updated properly. However managed to acquire some unverified items that have effected my FICO. 
Eventually I look forward to applying for a home loan, and as a result I am worried this inaccurate information may spoil my credit rating. Please delete the following accounts this is a 609 FCRA dispute on the following : XXXX XXXX XXXX, XXXX I have never had accounts with theses companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: GA

Complaint narrative:
I have been a victim of identity theft and have filed FTC report in reference to the incident. I was told by credit reporting agencies to file the report and items contained in the report would be blocked/deleted. However, the items contained in this complaint are still listed on my credit file. I have attached a copy of items to be blocked in this complaint. I am reaching out to the CFPB to assist me in resolving this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I recently had financial difficulties in which I let Flagstar know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw homesafe GA which took 30 days.

Flagstar put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ...

Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship.

I have attached a letter that I provide Flagstar in XX/XX/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 2019-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Apparently someone on XXXX opened a lowes credit card in my name. They did not verify that the person opening the account was me This person the used the card to make purchases in North Carolina. I live in Utah and have not left this state in 3 years. Also I can prove I was at work in Utah at time of purchase. This is a fraud case. Lowes states will take 60 days to fix. Well I proved to them wasnt me and yet still 60 days to fix??? What?? 
Also apparently the product that was purchased was bought online and delivered to North Carolin address after I called text and emailed my dispute and closed the account on fraud charges. 
They still charged the amount and delivered the purchases to the person or people who stole my identity.

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 2019-06-24 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:
XXXX XXXX XXXX Equifax, XXXX andXXXX report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw XXXX XXXX   which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in 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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw XXXX GA which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in XXXX

Company response to consumer: Closed with explanation