vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to XXXX XXXX Experian and XXXX  a ( XXXX XXXX XXXX late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: AL

Complaint narrative:
I just obtained a copy of my credit report and I was very surprized to see several unauthorized account that I had no prior knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: LA

Complaint narrative:
I submitted a dispute on XX/XX/XXXX and per equifax, I would have results from my dispute by XX/XX/XXXX. I submitted disputes online and have received NO results. I need the following items removed from my credit report as nothing has been found in the Equifax investigation to validate these incorrect items that are on my report. XXXX {$1100.00} XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had a XXXX credit card issued in end XX/XX/XXXX and by XX/XX/XXXX, I called in and I paid the balance of {$410.00} ( shown in my XXXX XXXX XXXX  checking account attached on XX/XX/XXXX when the money was charged from my bank account ). 
Also, in the same day I called in, I closed my account XX/XX/XXXX. 
If you noticed from the attached credit bureau 's credit report it shows that the account has been " CHARGED OFF '' STARTING '' starting from XX/XX/XXXX till XX/XX/XXXX!!!! 
I made several dispute through the 3 main credit bureaus ( XXXX Transunion, XXXX  XXXX and the first disputes for each, ended that what is mentioned in the report is correct and that XXXX notified them that the info they provided is correct under oath!!! 
However, Transunion, came back and say there was an error in the reporting, but still there was " DISCHARGE '' for tow month after I PAID OFF my account in full and closed it myself.!!!!!! pls tell me how his works to discharge something that doesn't not exists!!! 
Then I called the XX/XX/XXXX themselves, and they promise to fix the problem with the 3 credit bureaus, but instead I received an email form them ( attached ) stating that the problem is not from their side, it is the 3 credit bureaus, they are the ones entering or interpretation wrong!!! 
So I replied to theXX/XX/XXXX email ( attached ). 
after I called XXXX again and make another dispute and the guy answered, he said he don't understand what is going on but I have to wait till the dispute is over, which yesterday I received a notification form XXXX stating that the reporting is correct and will stay on my report!!!! 
You have all the proves that what I am saying is correct ( attached ) and even the credit card company is not disputing these facts at all XXXX that it has been paid in full and that I myself closed the account and the account was never been discharged. 
Please note that all this happen in late XXXX and beginning of XXXX ( ended XX/XX/XXXX ). 
Kindly, I need your help and assistant in solving this matter especially and as you can see in my other open CC account, I am paying my payments on time " exceptional '' as the credit bureaus stated in their report and this paid in full and closed in time, XXXX cc, is the only cc showing " delinquent ''.

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 2021-03-01 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: VA

Complaint narrative:
I had a XXXX  credit card issued in end XX/XX/XXXX and by XX/XX/XXXX, I called in and I paid the balance of {$410.00} ( shown in my XXXX XXXX XXXX  checking account attached on XX/XX/XXXX when the money was charged from my bank account ). 
Also, in the same day I called in, I closed my account XX/XX/XXXX. 
If you noticed from the attached credit bureau 's credit report it shows that the account has been " CHARGED OFF '' STARTING '' starting from XX/XX/XXXX till XX/XX/XXXX!!!! 
I made several dispute through the XXXX main credit bureaus ( XXXX XXXX Equifax XXXX and the first disputes for each, ended that what is mentioned in the report is correct and that XXXX notified them that the info they provided is correct under oath!!! 
However, XXXX came back and say there was an error in the reporting, but still there was " DISCHARGE '' for tow month after I PAID OFF my account in full and closed it myself.!!!!!! pls tell me how his works to discharge something that doesn't not exists!!! 
Then I called the XXXX themselves, and they promise to fix the problem with the XXXX credit bureaus, but instead I received an email form them ( attached ) stating that the problem is not from their side, it is the XXXX credit bureaus, they are the ones entering or interpretation wrong!!! 
So I replied to the XXXX email ( attached ). 
after I called XXXX again and make another dispute and the guy answered, he said he don't understand what is going on but I have to wait till the dispute is over, which yesterday I received a notification form XXXX  stating that the reporting is correct and will stay on my report!!!! 
You have all the proves that what I am saying is correct ( attached ) and even the credit card company is not disputing these facts at all XXXX that it has been paid in full and that I myself closed the account and the account was never been XXXX. 
Please note that all this happen in late XXXX and beginning of XXXX ( ended XX/XX/XXXX ). 
Kindly, I need your help and assistant in solving this matter especially and as you can see in my other open CC account, I am paying my payments on time " exceptional '' as the credit bureaus stated in their report and this paid in full and closed in time, XXXX cc, is the only cc showing " delinquent ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
The week of XX/XX/XXXX I was contacted by a company that I had put on for a job application through XXXX, I was interviewed via XXXX and hired. They contacted me and told me that in order to purchase the equipment for the job ( data entry ) they were going to send me a check and then I would send it to the vendor through a wire transfer. First they had me send it though XXXX and there was a {$1000.00} limit so they had me send the reminder through a wire transfer. They then contacted me again and told me they equipment was confirmed and it would shipping out the following day. They reached back out to me to tell me that another one of the individuals they had hired for the job was having a hard time depositing the check for equipment and asked if they sent me another check if I could do the same thing I did before and they would give me a bonus for the inconvenience. I agreed and sent the wire transfer after receiving another check. My bank contacted me shortly after and told me that the account I was transferring to had come up as a fraudulent account and that the checks were fraudulent as well. They said they were going to stop the wire transfers and attempt to recollect theXX/XX/XXXX transfers as well. I did not here anything from them for 4 days, I called my bank USAA, and they told me the fraud department had closed the investigation and were holding me personally responsible. I told them I wanted to speak to the actual fraud department and they told me they were submitted the request for it be reviewed again and someone would contact me. That was last Tuesday. Today the XXXX I called USAA again to see what the status was. They said my accounts are locked and that until I bring my balance back from the negative theres no action I can do. I asked what happened with the wire transfers they were supposed to stop and they told me the financial institution it went to declined to send the funds back because the individual told them they were expecting money from a friend. USAA claims there is nothing that can be done even though I reported the fraud and Ive had to continuously check on what is happening because no one has reached out to me. My account is {$3900.00} in the negative due to this activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: MI

Complaint narrative:
I suffered a total fire loss on XX/XX/XXXX which burned down my home, our vehicles and everything I've ever owned. 

My property insurance company made a first claim payment of {$100000.00} which was recieved into restricted escrow at XXXXXXXX XXXX 

XXXX XXXX  released XXXX {$49000.00} to initiate the rebuild to my contractor. 

XX/XX/XXXX my mortgage was transferred to XXXXService Mac, LLC XXXXServiceMac has a Loss Draft Dept. that is suppose to service this escrow but did not receive any of the documents or records associated with it and required me to resubmit and verify my loss, half way through rebuiling my home in XX/XX/XXXX ServiceMac can not account for the restricted escrow which should still have ~ {$58000.00} A second insurance payment was made in the amount of ~ {$56000.00} There should be a total of XXXX {$110000.00} in this account but the automated system and requests for written accounting all show {$00.00} dollars. 

I have contact XXXX Customer Service department 8 times over a 10 week period to complain yet XXXX claims they have no oversight of the Loss Draft Department and will not therefore mediate my complaint. 

ServiceMac will not communicate what they require of me when documents are not sufficient or include unknow errors. 
ServiceMac will not explain the minutia of errors even after receiving 4 iterations of the so called errroneous documents ServiceMac has never called, written nor emailed a single piece of communication concerning my restricted escrow, my claim nor any updates on status. 
ServiceMac has not conducted an inspection ServiceMac still has not accounted for the entire restriced escrow ServiceMac has been disrespectfully of my family being without a home in that as of XX/XX/XXXX they will not exercise expediency in resolving my request to pay my contractor nor make a written accounting of the escrow funds they hold for my loss.

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 2021-03-01 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: NY

Complaint narrative:
On XX/XX/2021, I requested Equifax to conduct an investigation to an item on my credit score that I did not recognize as mine. According to the Fair Credit reporting Act, the credit bureau has 30 days to look into the dispute, based on the information provided. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report. Today is the XX/XX/XXXX and Equifax failed not only to do the proper investigation but also did not remove the inaccurate or fraudulent information. 

The account Name : 1. XX/XX/XXXX - Account number : XXXX The above listed item is completely unauthorized by me and most likely fraudulent. Therefore, it is a very serious error in reporting. Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible. 

Once again, the credit reporting bureau failed to provide any prove that the account belongs to me or was authorized to me or any financial instrument signed by me. I have never received any letter confirming the receipt of my complaint nor any letter stating that the agency started an investigation required by law and that had to be finished within 30 days of the receipt of my several letters. Again, I heard nothing back and it has already been over 6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 am having a problem with experience credit bureau. Several things have been deleted as inaccurate but are now on there as collection accounts. I recently applied for credit and they told the company Im deceased. My mother and my reports are somehow combined shes deceased.

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 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The original date of the debt incurred was on XXXX XXXX of XXXX, for {$300.00}, where I was in a XXXX XXXX and hospitalized against my will. Because it was against my will, I told them the state was responsible for the debt. 

The debt has since been transferred from XXXX XXXX XXXX XXXX Texas XXXX, to XXXX XXXX XXXX XXXX, which then sold it to XXXX, and apparently XXXX sold it to Ability recovery services, which has falsely reported it on my credit, causing damages by interest rates/lack of transfer offers on my cards, lower than appropriate pre-approvals for loans for the house I'm trying to buy, and significant XX/XX/XXXXfrom this which I'm having to talk to my XXXX about, and expect them to pay for. 

I attempted to dispute the debt with XXXX, however, they will not remove it saying the creditor is providing appropriate information. That's clearly not true since it's showing on my credit report as a new debt from XXXX of 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 2021-03-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX XXXX XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: MO

Complaint narrative:
XXXX XXXX of illinios continues to sell debt not owed. Which is illegal and having been doing so for years bringing my credit down. In documentation i have provided a statement of payment in full due to all my medical debt due in the time of XXXX processed by XXXX  XXXX XXXX XXXX. This issue continues from XXXX XXXX to Nationwide Recovery systems, I have contacted All 3 credit Bureaus about this matter thru multiple letters an disputes. I am prepared to seek max penalty for these fraudulent charges holding me back in life if not properly handed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: KS

Complaint narrative:
On XX/XX/XXXX, I sent in a certified dispute letter to TransUnion regarding incorrect information that is reporting on my credit. This certified letter was received on XX/XX/XXXX. I have enclosed a copy of the certified mail receipt as well as proof of TransUnion receiving this letter. I have given TransUnion the allowed amount of time of 30 days plus an extra 30 days to respond. I did not hear from TransUnion, so I then sent them a second certified letter on XX/XX/XXXX giving them more than enough time to respond to my request. This second letter was received on XX/XX/XXXX ; I have also enclosed a copy of the receipt of this letter as well. On XX/XX/XXXX, I finally received a response from TransUnion stating that the information they received allows them to have until XX/XX/XXXX to finish my dispute. Due to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify the information I have requested which they have failed to do so. I have also enclosed a copy of the letter that TransUnion has sent me. At this time, I am demanding that TransUnion remove and delete all accounts that were included in the original letter dated on XX/XX/XXXX because they failed to following the federal law to verify within the allowed time of 30 days.

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 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: VA

Complaint narrative:
Hello, I pay my mortgage on time and I am current on both of my loans. Citadel Servicing Corporation continues to not process my on time payments and has marked both of my loans Inactive. They also continue to send me Notice of Foreclosure every month on both mortgages. I have been fighting with them and they will not resolve the matter. They have been doing this to me since XX/XX/XXXX and until this day XX/XX/XXXX. 
XXXX # XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NH

Complaint narrative:
XXXX of XXXX I started a mortgage refinance with XXXX. I was told after the approval process that my rate was going to be XXXX, {$630.00} in closing cost, 30 to 40 days closing timeline and no prepayment penalty for a 30 year fixed rate refinance with cash out. 

This info was based upon an approximate home value of XXXX given by me, XXXX credit score, low XXXX and XXXX. 

XXXX days before closing { XX/XX/XXXX } I received a call from XXXX XXXX, AmeriSave, stating that the home value I initially gave them in XX/XX/XXXX was XXXX and because the appraisal which came back in XX/XX/XXXX came in at XXXX I now have to pay XXXX to XXXX in closing cost and possibly a higher rate. 

Facts : 1. Never said nor would I even think my home value was XXXX. I told them my home was around XXXX 2. Appraisal came in at XXXX 3. Never received or signed a XXXX 4. The loan was supposed to be rate locked and was not. 
6. AmeriSave didn't tell me the " supposed '' home value problem when the appraisal came in XX/XX/XXXX, they told me 5 days before closing. 

I have all screen shots of text and e-mails supporting all the information above. 
I've lost 4 months of savings equaling close to XXXX and now I'm subject to a higher rate. 

I tried to resolve the problem with AmeriSave but they would not agree to the rate and closing cost quoted. 
I emailed the following people from AmeriSave for assistance in solving the problem. I didn't receive a response. 
XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX XXXX - XXXX People Involved : XXXX XXXX XXXX XXXX XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX XXXX Desk XXXX Fax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX XXXX Desk XXXX Fax XXXX Thank you, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief