vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i have been sending the CRA 's XX/XX/XXXX EXPERIAN, AND XX/XX/XXXX XXXX letters since XX/XX/2020 disputing negative and old accounts that they have refused to removed.the second letters was on XX/XX/2020, and the 3rd letters was XXXXNeither time has they responded to either of the letters.they are violating my rights by not deleting inaccurate and incomplete information from my credit report. i will attached copies of the letters below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I have written the company several times to verify the Debt. I don't know why this company is reporting to my Credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I accepted a " deferral '' of payments on my account which was, according to law, the help a mortgage servicer is supposed to provide during the pandemic. After a couple of months I received what they call an " annual activity statement '' showing some adjustments in my principal balance resulting in an increase of about the equivalent to the 3 moths that were being deferred. The statement was followed by a letter that according to them explained the terms of this " helpful program '' confirming that the principal balance had increased and that the total amount equal to the payments for 3 moths would be due upon maturity or payoff of the account date. 
I never agreed to these terms and never was clearly informed of these additional charges. This is in no way helping me. Again! Additional charges that aren't supposed to help the consumer during a worldwide pandemic. 
After a couple of attempts to get a clear explanation from SPServicing, I still don't understand how can they increase the principal amount by $ XXXX and just suggesting to try to file a complaint because they can't do anything after they discussed it a couple of times with me over the phone. 
The way I see it, they're just trying to make money from its customers out of the very particular and difficult situation thousand of people are going trough. Deferred to my knowledge, means " postponed '' and to any regular individual this means making those 3 or 4 payment at a later date ... not making them twice! This is illegal and they just claimed I accepted it. Not the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
My Mortgage was purchased by Specialized Loan Servicing. I pay by check every month so I have record of my payment. On XX/XX/2020, my check for XXXX cleared my bank. I have record that it was taken from my account by Specialized Loan Servicing. 
They claim they did not receive payment. My wife and I faxed them our bank statement that shows the electronically cashed our check. 
We have called in XXXX and XXXX. The representatives have not helped and just say they will open a report to try to find where our payment was sent. They have been rude and unhelpful. 
Our credit scores have dropped 80 points because they are showing a delinquent payment, yet it was on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/20, I ordered furniture through a remotely working XXXX XXXX furniture rep. I knew my limit was close to the Max because I had just purchased a couch recently and it was. The card would be able to cover roughly {$230.00} and there would be a balance of {$70.00} that I could pay in cash or the rep offered me to increase my limit by {$300.00} to cover the costs. I asked specifically if it was going to hit my credit, because if it didI did NOT want to do it ( as I am in the process of getting inquiries off my report. ) He checked and told me it would not. I was approved for the {$300.00} increase and got my receipt via email. Right away I received a credit monitoring email saying I had a new hard inquiry. When I questioned the rep, he told me he told her 3x on a recorded line that I did NOT want a increase if there was an inquiry and she told him each time it would not put on on my report. He was told that this women had applied for a line of credit rather than an increase. I was told to call XXXX XXXX and they would be able to reverse the increase and remove the inquiry, but when I called, they only said they could file a dispute with the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: IN

Complaint narrative:
This what you responded it was a canned response I am not using punctuation or sentences because you wont read it your canned response is attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a purchase from a fraudulent website. I contacted PNC because I knew immediately it was fraud. The charge on my card was XXXX XXXX XXXX instead of XXXX. The representative told me I had to wait until it went through and then go online and file a dispute. I filed the dispute and never heard a thing from PNC. Never got an email confirming the claim was filed or anything. Then I contacted them and they just rudely said we have 90 days to investigate this claim. I switched from XXXX XXXX which was a huge mistake. XXXX XXXX would have credited my account for the charge and cancelled my debit card immediately. Then overnighted me a new debit card. PNC DID NOT EVEN CONTACT ME! On XX/XX/XXXX I made a complaint with the XXXX On XX/XX/XXXX I had charges show up on my account for XXXX, three for the exact same amount. Two of the charges the next day turned into XXXX charges. Again fraud on my account. I contacted them by XXXX XXXX and again no help. I was then called by someone from PNC. She was the most unhelpful customer service person I have ever spoken to and just told me we have 90 days to review the claim because the merchant. She told me I can go to PNC online banking and cancel my card. I told her I would make another complaint and she said that's ok because my department will that complaint too. Then she marked the complaint with the XXXX that PNC considers this resolved. She did not resolve anything. I can not believe how horrible this bank is!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
I have no idea who this company is and why they are listed on my Credit Report. I have tried to contact the company, but was unable to contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX XXXX insisted on placing lender flood insurance at a premium in excess of {$7000.00} ( I have my own private flood insurance policy with them named as mortgagee ) on the excuse that I was not able to purchase an amount equivalent to the mortgage balance. ( In reality, it clearly states on the policy that the coverage doesn't apply to 2nd floor property which mine is! ) So in XXXX I mailed them {$120000.00} to reduce the principal to below my private flood coverage. They did not cancel their flood insurance and continued to charge my escrow. I decided to pay off the mortgage and on XX/XX/XXXX, after calling for a payoff amount, I send a check for {$110000.00} and a letter of my intent to pay off the mortgage. In XXXX I spent over an hour on the phone trying to find out why it was not applied properly and to be sure that they cancel the unnecessary flood insurance only to be transferred numerous times and then be disconnected - never got a call back. It appears by their statements that they have deposited my payoff check and are continuing to charge me interest and taking the monthly payment out of that money rather than satisfying the loan. To add insult to injury, I received an email saying I had not paid the payment for 2 months! I pray that they have not reported lates to the credit bureaus. And then, I received a notice from my fire insurance company that they had failed to pay the renewal and the coverage had lapsed on XX/XX/XXXX! On XX/XX/XXXX I wrote to them on their website and I sent an email demanding that they resolve the problem, cancel the excess flood ins back to the day that they posted the first check, send me a satisfaction of mortgage document and refund all that they have overcharged. To date I have not received so much as a phone call or email.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
MY NAME IS LISTED WRONG AND PREVIOUS ADDRESSE ARE WRONG

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: AZ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 do not recognize this account and have never had a debt with this creditor. I do not know where they came from. Maybe you are mixing up this account with someone that has a similar name as me. Also, I have no idea of any of these inquiries. Please investigate incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and found an alleged bankruptcy for which I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have been receiving multiple phone calls a day since XX/XX/XXXX of 2020 from different XXXX XXXX XXXX numbers. Upon looking up these numbers, they are all linked to Radius Global Solutions or XXXX XXXXXXXX XXXX TX. ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every single time I have asked for them to identify their selves, explain the nature of and verify the debt they are trying to collect on, as well as to please send me written notice of the debt along with any verifying documentation. I have asked how the debt was calculated and how it will be reported to no avail. Every time they just keep repeating that they are on a recorded line and then hang up. I get up to 5 calls a day from different numbers and I ask the exact same questions every time. It is now XX/XX/XXXX and the 5 days since initial contact has passed for them to send me written notice. I am absolutely furious as I pay my bills, have good credit, and am a law abiding and tax paying citizen. I can not stop them from harassing me as they change the numbers frequently. This could be identity theft or an attempt to collect on something previously paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: AL

Complaint narrative:
I received a notice in the mail from American Coradius International LLC. Attempting to collect a debt of {$670.00} to XXXXXXXX XXXX, for my XXXX account. I have contacted XXXX and XXXXXXXX XXXX. Both agree that I do not owe any such amount for any XXXX credit ( XXXX ) account because my application was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: WI

Complaint narrative:
The debt is showing on my Credit Report with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XXXX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UHG, LLC
State: SC

Complaint narrative:
My Identity was stolen and someone went Online and obtained a Payday Loan in My name with all my information. A civil Division for UHG I, LLC is going through the XXXX XXXX Magistrate Court to Collect from me. I have never obtained a Pay Day Loan in the amount of the {$1900.00} on XX/XX/XXXX. A complaint was filed C/A : XXXX UHG I, LLC, V.S. XXXX XXXX XXXX. I have consulted with two Attorney 's and was advised to contact this agency to Report Fraud to the FTC. On XX/XX/XXXX a Hearing was scheduled, and I requested to Mrs. XXXX XXXX, XXXX XXXX, receptionist to reschedule a week prior. On XX/XX/XXXX I was involved in an XXXX XXXX and my vehicle was totaled. I received a call from the Courts that I expected to be there the court Date was never changed, and from the looks of the evidence of UHGI, LLC The Loan was Mind. This Loan was opened Online, and I feel I am under XXXX to be accused of a Loan I am not Responsible for VIA NETWORK OF A COMPUTOR. A request for this Loan was made using an account on XXXX XXXX with account number XXXX. I have researched all my Closed Bank Accounts do to my Identity being compromised, and Have can not obtain any information linking me to this Account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: DC

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation