vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have called and set up numerous programs and nothing seems to be moving on these loans it affect my credit report it takes my income tax and still have same balances. 
It ridiculous how they come up repayment plans that are outrageous and not moving none what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
My cashapp account was closed last week because of a XXXX dollar charge back of some sort.. They sent a notice saying I would not be able to use the app for anything other than cashing out my remaining funds of the total amount to {$280.00} ... The notice states I can use either the card on file which it wont let me use and is resulting in this problem or add a new one.. When I attempt to add another it gives a message saying.. You can only cash out to card ending in XXXX That card is not available I have emailed them more than about 10 times and even reached out on XXXX  and have had friends reach out as well. It has now been a few days later and they say they consider the issue resolved and will no longer respond. Yet, nothing has been resolved and they are still in possession of my money.. All I need is them to allow another card or bank account be added so I can withdraw and then be done with them.. The email on file is XXXX Thank you for any help you can provide I really need this money, especially with the holiday season being here.. I know its not much but its all I have. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, CA XXXX. 

1 ) The amount required in my impound account was unnecessarily adjusted which unnecessarily caused an escrow shortage. My casualty insurance premiums dropped because I switched carriers.

2 ) Mr. Cooper made an error and reported a late payment that showed up on my credit report. The late payment was reported for the month of XX/XX/2019. This needs to be corrected. Mr. Cooper stated this is due to the escrow shortage. Records show the the mortgage was in fact sent to Mr. Cooper consistent with the automatic payment plan. 
previously implemented. This late payment needs to be removed from my credit report.

3 ) Mr. Cooper did not properly attempt to contact me about this shortage and the mortgage was in fact current and was never delinquent. Mr. Cooper sent a text message to which I responded requesting a call from a live person. The auto response claimed Mr. Cooper did not monitor the text message response. Mr. Cooper sent me a second text. I again responded to the message asking again to be contacted by a live person. This was done for two reasons, the first was to determine the purpose of the contact requested by Mr. Cooper. The second was my concern about the dozens of texts/calls I receive each month that are geared to commit fraud. Despite the disclaimer sent by Mr. Cooper, a live person in fact contacted me. I made the correction to the amount the same day I spoke to a live person. However, the false claim of being late was already made against my credit and my request to have it removed rejected.

When I asked where I could make a complaint regarding this issue I was erronously told to contact my state Department of Justice.

I have since request proper documentation showing the delinquent payment. It has not been provided. 

XXXX XXXX can be reached at XXXX XXXX XXXX XXXX if you have questions about my notification of your servicing error. 


i

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: NV

Complaint narrative:
I applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: CA

Complaint narrative:
After providing Experian with information showing three accounts didn't belong to me they still refuse to remove them. This is getting very frustrating because i have provided documentation and they are still failing to remove these items. I have provided a police report stating XXXX and XXXX XXXX accounts were both opened by someone else and are results of identity theft. I have also provided information that XXXX XXXX XXXX have an address reporting on the account that i have never lived at. At this point if Experian continue to report these unverified accounts, I will have no choice but to take legal action. I will be using the complaints I have filed, along with all the documentation that I have already sent to the company.

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 2019-11-24 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: SC

Complaint narrative:
I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.

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 2019-11-24 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: NV

Complaint narrative:
I applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.

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 2019-11-24 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: NV

Complaint narrative:
I applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.

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 2019-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SD

Complaint narrative:
This company, Midland Credit Management, started calling me on my cell phone XXXX starting on XX/XX/2019. They called XXXX XXXX  and XXXX XXXX   that day. They called twice on XX/XX/XXXX, once on XX/XX/XXXX. They kept calling me 2 or 3 days a week.

On Sunday, XX/XX/2019, I told the male collector not to call me any more. 

The problems with them have been two, and I think they have violated Federal law.

ONE. I did not receive from Midland any written notice at all within 5 days after they called me on XX/XX/XXXX. 

I did receive a notice from them dated XX/XX/2019 ( enclosed ) which does NOT say anything about my right to request verification of the debt within 30 days. 

There are possibly two violations of law here. One, I did not receive written notice from them by XX/XX/XXXX ( 5 days ) and two, the notice I received from them that they mailed to me on XX/XX/2019 does NOT have any written notice that I had the right to receive verification of any debt from them within 30 days.

TWO. During many or all of the calls I received from them, the Midland collector did not mention to me that I had the right, within 30 days to request and receive verification of the debt from Midland. Not once did the collectors mention that to me. Typically, when they called, they would ask if this is XXXX XXXX, am I XXXX XXXX, that this was an attempt by a debt collector to obtain information to collect a debt. I do not ever remember that the collectors told me that I had the right to request verification of the debt from them within 30 days. I think that might be a violation of law.

I did not make any recordings of the calls they made to me.

I believe that part ONE of my complaint is that they failed to send a Written Debt Validation Notice to me within five days of the collector 's initial communication. They must send me a notice that includes the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) What I can see on the XX/XX/XXXX letter is the amount of the debt, the name of the creditor, but there is no mention about my right to dispute the debt within 30 days on page 1 or page 2 of this letter. 

On the XX/XX/XXXX letter, which I received on XX/XX/XXXX, there is a mention on page 1 of : " You may request the following information by writing us at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MI XXXX and the same will be provided to you at no cost within 30 days of receipt of your written request '' But this notice was received by me on XX/XX/XXXX, a full 49 days after their initial phone call to me on XX/XX/XXXX. 

I am mailing in a debt verification letter to Midland Credit Management on Monday, XX/XX/XXXX. 

I have screen shots of my phone which shows all the times that Midland called me, from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: NY

Complaint narrative:
ACCOUNTS ON MY CREDIT REPORT ARE INCORRECT AND NOT MINE. THEY ARE UNVERIFIED AND UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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 am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.

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 2019-11-24 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 am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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:
Previously I contacted TransUnion and sent supportive documents Including the police report of Identity Theft. Information is still reporting incorrectly. 
Such information can result in issues with my XXXX  and private contracts

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 2019-11-24 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 am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.

Although soft inquiries may not impact my score, the point is I did not authorize the inquiries. Furthermore, I understand why the thieves are inquiring but not the reason for Equifax constant  inquiries on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
In XX/XX/2017 my husband had an accident and was unable to work resulting loss of income and unable to pay bills. I sought a loan modification. The whole process took almost 8 months. I was advised not to make a mortgage payment while the bank was making a decision. I fell incredibly behind!!!!! 

I had the loan mod approved and have now made on time payments for 10 months now. I have called and asked as a good faith gesture if the bank would help me out and remove some of the negative payments on my credit report. I have called, emailed and emailed and called again. I was told to dispute with the CRAs which I have and had ZERO resolve. 
Id like Amerihome to look at my account and review as to if any can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
Received the email without a company name or full account. Message was : The purpose of this email is to notify you that we are going to press charges against your name and social as in the next 72 hours at United States Courthouse XXXX XXXX XXXX XXXX, TX XXXX. After giving several notifications we haven't received any response or payment from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration, your current employer & major Credit Bureaus as well. 
This is our last notification to you ; kindly update us ASAP so that we can proceed accordingly.

Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around XXXX. 

Sincerely, National Credit Collections Collections & Legal Department XXXX XXXX XXXX # XXXX, XXXX, TX XXXX SSN listed is wrong. They state it is a loan/debt recovery. The stated amount due was {$760.00} transferrred on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCOUNTS ON MY CREDIT REPORT ARE NOT VERIFIED AND UNAUTHORIZED.

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