vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
Trying to do a short sale. Package sent to lender XXXX/XXXX/XXXX - lender declined saying there was no hardship. Had client write more detailed hardship letter and resent with package on XXXX/XXXX/XXXX. Have been calling ( always put in XXXX XXXX 's voice mail with no response for over 1 month ). Also included customer service emails, which they keep saying they do n't have the information I sent many times. Home Point Financial will not respond to any communication and wo n't work with me. This has been going on for over 1 month and now they scheduled a sheriff sale on XXXX/XXXX/XXXX. HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: GA

Complaint narrative:
I was going through copy of credit report that was sent to me by TransUnion I noticed inaccuracies on my personal information. first was my last name was spelt wrongly. My last is spell XXXX noXXXX XXXX so need that to be change and I never used anywhere unless was sent to them wrongly so it needed to be correct to avoid identity theft. Next is Addresses, I never had post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX need to be remove and also this XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX to be update to XXXX or removed because I never used just address and I finally telephone number XXXX XXXX XXXX never had this telephone number the only number I have and still do XXXX XXXX XXXX and I would like this XXXX XXXX XXXX to be remove in other to avoid identity. These are three items I found in my personal Information that needed to be removed or updated. Thanks.

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 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I had terminated a XXXX contract inXX/XX/XXXX and confirmed with them that I no longer had any balance on the account, after which I moved out of the country for a short period. In XXXX of XXXX, I began receiving debt collection calls on behalf of XXXX and was informed it was due to an unpaid balance of {$82.00}. 

I called XXXX and worked with them to find out they had erroneously left charges on my account that I was not aware of. When I asked why they had n't reached out via email, they said they 'd attempted to reach me on the disconnected number ( why, I 'm not sure ) and that when they could n't reach me they sent the debt to collections ( I C Systems ). 

Now, XXXX claims that it 's now " out of their hands '' and that I have to work with I C Systems. However, when I call them, they just repeatedly tell me " pay us '' and refuse to work with me otherwise. This has negatively effected my credit and my ability to obtain a line of credit that I would otherwise have been able to get. It 's very frustrating and am hoping that someone can provide some assistance.

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 2017-10-20 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: TX

Complaint narrative:
I wanted to inform CFPB that I place a security freeze on my credit file on XXXX XXXX, 2017. It gave me a ten digit pin in case I wanted to remove the freeze. I called Equifax today to remove the freeze. Because every since the Equifax breach my credit file has been crazy. I thought that by me putting a freeze on my file, everything would be ok. But it has not. I asked for the freeze to be removed by Equifax freeze department. And the rude service man stated, I never had a freeze. I said, how could that have happened when I have the paper in front of me? He had no words. How can I trust to have something done and get confirmation. Just to learn it was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2017 I called XXXX to inquire about the process to add an additional card holder to my account. I inquired about if there would be a hard inquiry placed on my credit report by adding another cardholder. I asked this question by phone, as well as by Online Chat agent. Both representatives told me that XXXX does not run credit checks when adding an additional card holder. I explained to both representatives that I would not be willing to add anyone as an additional card holder if it would affect my credit and/or credit score. I was assured by both representatives that there would be absolutely no impact to my credit file. After hearing this, I proceeded with completing an application to add an additional member to my card account. Two days later, I received a credit monitoring alert that my credit file had been accessed by XXXX. When I called XXXX to inquire why they would pull my credit report without my authorization, they explained to me that the XXXX  representatives had failed to communicate the possibility of pulling my credit report due to a Fraud alert being on my file. This made no sense to me. XXXX representatives ( a total of 6 ) apologizes for the miscommunication but said I would have to contact Experian to get it removed. Experian informed me that only XXXX could request it be removed. XXXX intentionally deceived and pulled my credit report and decreased my credit score-all WITHOUT MY KNOWLEDGE OR CONSENT. XXXX also refused to correct their mistake. XXXX tried to offer me ANOTHER credit card to rectify the situation in which I told them I would not accept as adding an additional credit card would hurt my credit file even more. As a result I will be closing my accounts and also sharing my experience on social media so no one else is deceived.

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 2017-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I called midland funding in regards to this they asked me for account information I told them I didnt have any I just saw this on my XXXX XXXX XXXX its why Im cslling they asked me for my social security name is not mine yet my social security was used they wont tell me anything cause they cant confirm identity. But yet its affecing me because its my social security number and Im stuck. How can I clear my name if they refuse to help me its not my account or my name. How ever my social security was stolen by this person to open an account I dont even know what it is or where I need my name cleared XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received my card in the mail today and when I called to activate it they told me the card was fraudulent and that I had to reapply. They said they called the owner of the account on the XXXX of XXXX and he said he never applied for a card. They did n't talk to me so I do n't know who they talked to but they are basically telling me I have to reapply which means I get another inquiry on my report and will hurt my score. They also put me on hold for over an hour then hung up. They can easily contact me again or investigate but they simply want me to reapply again which is damaging to my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: IL

Complaint narrative:
I mailed a dispute to Experian on XX/XX/XXXX requesting an investigation and removal of a charged-off Capital One Account ending in XXXX, I have yet the results. Experian has failed to comply with the FRCA 30 day requirements and as such I request the account be removed immediately from my tradeline.

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 2017-10-20 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: TX

Complaint narrative:
I disputed XXXX ( XXXX XXXX ) in the amount of {$2600.00}. This debt was removed two months ago, due to inaccuracy and failed to properly prove this alledged debt that does not belong to me. The alleged debt is showing back on my report via XXXX XXXX after it was once already removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.
State: IL

Complaint narrative:
I went to court for this issue. Was told by the judge to pay XXXX XXXX in the amount that was owed of {$1800.00} by XX/XX/XXXX, 2012. I went into the office to give the property manager a chashiers check if {$6000.00} but was told they couldnt accept any money from me. I few weeks later all of my belongings were thrown out into the alley behind the building.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: AR

Complaint narrative:
I have disputed the negative information reported by Equifax since XXXX XXXX XXXX. In my dispute I requested that the following be provided to validate the inaccurate information reported by this credit reporting agency : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me and the negative entry has affected my credit history  unfavorably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Can you reach out to @ XXXX and work together to make sure they get my transaction data quickly plz plz @ usbank

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 2017-10-20 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: AL

Complaint narrative:
Inaccurate addresses reported never lived here 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.

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 2017-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX ( NRA ), XXXX XXXX XXXX, XXXX, PA ( XXXX ) XXXX entered an amount on my credit report that was already billed to XXXX and XXXX paid the amount due to XXXX XXXX Hospital several years ago. However, this complaint is not about the bill or the amount. It is about how this claim was communicated.
My son noticed this amount, and the information about this amount, was entered on his credit report. He called the credit reporting agency to report that his credit account had false information.
The credit agency directed him to call XXXX XXXX XXXX ( NRA ) to resolve the false claim. He called and spoke with the representative at NRA.
When my son asked about why this false information was on his report, the representative told him there was a mix-up with the last name. Then, the representative proceeded to tell my son all of my personal identifiable information, including my address and birth date.
Of course, my son knows this. But what right does this collection agency have to give out anyone 's personal identifiable information to any one? Could n't they simply verify that the charge on my son 's report was mistakenly added to his report without disclosing my information? What reason would they have to tell anyone personal information about someone else who they ( the agency ) mistakenly exposed?
Further, the NRA representative had no idea that the person on the other end of the phone line was indeed my son. It could have been anyone. How many other callers have been given my personal identifiable information? There is no way to tell. This is a serious breach of confidentiality and one of the reasons there are so many mistakes on everyone 's credit reports. Am I to understand that my personal information is being floated to whomever calls and asks for it? Not to mention that the information is false no matter whose report it lands on.

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 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: LendUp Loans LLC
State: MI

Complaint narrative:
I have had a credit card with XXXX for about 6 months now. I have made payments to this account before online with my checking account which is stored in their system. I recently submitted a payment with this same checking account only to find that it was returned, charging me a XXXXXXXX XXXX fee, because the bank account was " unable to be located ''. So I asked them about it, and they told me to add the bank account again and submit a new payment and they would remove the fee. So I did, I submitted another payment which once again was returned for the same reason. Now I have {$50.00} in fees. Mind you, I have confirmations for all of these payments in my email. After this second attempt and fee charged, I called them again only to be told " well it might have been because you made them payment on a different platform, because your successful payment was made on the internet and your rejected payments were made over the phone '', WRONG. This is false, as I made the payments through their faulty app. The representative said he could only remove one fee after I made the payment over the phone with him, and refused to transfer me to a supervisor. So I said fine, gave him a payment over the phone, told him to remove the one fee and I would call back to get a supervisor later. " sorry sir but I can not remove the fee ''. Once again, the run around. So here I am, with XXXXXXXX XXXX in fees, lies, and no help from this horrible lender, and a payment made which who knows, will probably get rejected again! We will see! 

Representatives name is XXXX. Incredibly rude, refused to help, threatened to end the phone call. Unbelievable.

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 monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Complaint is against XXXX XXXX XXXX, in regards to loan balance is reported incorrectly on all XXXX credit bureaus. Ive requested numerous times starting in XXXX XXXX for XXXX XXXX XXXX to update the balance on my credit account with them. Ive contacted them via phone, from their website portal. I also submitted disputes with all three credit bureaus. As of today the balance is still incorrect. The mount owed is {$870.00}. 
This is an issue for me when Im applying for credit. I cant afford to keep sending certified letters to the credit bureaus requesting for them to update the balance. When I send in email request they never respond. 
Flagship Credit Acceptance was informed to update the balance from XXXX because I would be applying for a mortgage loan. Please assist with contacting the company and getting the balance updated on my account thanks.

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 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, the tank to the toilet broke. As any logical person would do, we turned the toilet inlet wall valve to stop the water flow to the tank ; this valve failed while turning off the water supply - the valve stem popped out of the valve housing. These causing flooding in the apartment. We filed a claim with XXXX to get the toilet fixed. A claim was filed with XXXX for the toilet damage for {$1000.00}, our insurance policy covered the cost to fix the toilet. Additionally, they stated that we are not legally responsible for the property damage claim filed by XXXX XXXX XXXX caused by the faulty valve. XXXX is a very reputable company. They covered the damage that was caused to the toilet tank to get repaired. We should not have to pay for equipment damage that is not up to industry standards nor maintained and owned by the XXXX XXXX XXXX. The sent us to collections for the cost of the damage done by the faulty valve for {$3200.00}. We asked them to show us what their insurence has paid but they will not give us any information, I suspect that they are asking for reimbursement for claims already settled by their insurance company. We have followed and taken all steps to resolve this issue, including contacting them and I.Q. Data International by telephone calls, visiting the front office, email and certified mail - every step we can think of. We have filed multiple disputes with I.Q. Data International, Inc and XXXX. I have had tired to have many conversations with XXXX XXXX XXXX but they have not responded. They have changed their email and their website is no longer up/active. We are no longer able to get in touch with them. Our last step will be taking them to small claims court if they do not take any action regurding the false claim that they have made to collections. Thank you in advance for any assistance you may be able to provide.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: AR

Complaint narrative:
I have disputed the negative information reported by XXXX since XXXX XXXX 2017. In my dispute I requested that the following be provided to validate the inaccurate information reported by this credit reporting agency : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me and the negative entry has affected my credit history unfavorably.

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