vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
at XXXX on Monday XX/XX/2021 I was contacted by a representative from Credit Corp Solutions. I told the gentleman I was not XXXX, he asked to verify XXXX 's b'day. I did. 
He then told me all the options XXXX had about resolving his debt. I am in no way on his debt nor is it any of my business. We are NOT yet married. This debt it none of my business. 
When informed of this he said he could tell me as I verified his b'day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: ID

Complaint narrative:
I have repeatedly tried to reach out to Experian from XX/XX/XXXX to today, XX/XX/XXXX. In an attempt to get my credit updated or corrected over 2 years. They refuse to allow anyone to dispute inaccurate information more than once and when it is disputed it's usually investigated within days if not less than hours and found to be accurate without providing any facts or validation to the customer disputing it. 
By law the credit repirting agency must provide information to validate thier investigation, to date none has ever been pro aided which violates FDCPA regulations. 
Experian refuses to update mu credit report for o er 76 days now and has also shown a non existent criminal history in my credit report which to this day has caused extreme repercussions for something that has never happened. 
Currently this is grounds for Federal prosecution in Supreme Court. 
This is not to be ignored.

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 2021-01-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed letters to the credit bureaus on XX/XX/2020 and I haven't received a response. The information I found on my credit report is inaccurate and I know with covid there might be a slight delay in the response. The fact the credit bureaus are not responding makes me feel like they are ignoring me. I went online and saw this is happening to other people as well. I found that their failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report and it has been over this time. I'm requesting the accounts be removed from my credit due to their lack of responding. If nothing is done I'm going to file for litigation and I'm hoping you can help me because this stressing me out. Please help me.

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 2021-01-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed letters to the credit bureaus on XX/XX/2020 and I haven't received a response. The information I found on my credit report is inaccurate and I know with covid there might be a slight delay in the response. The fact the credit bureaus are not responding makes me feel like they are ignoring me. I went online and saw this is happening to other people as well. I found that their failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report and it has been over this time. I'm requesting the accounts be removed from my credit due to their lack of responding. If nothing is done I'm going to file for litigation and I'm hoping you can help me because this stressing me out. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
On XXXX XXXX I had contacted XXXX XXXX XXXX XXXX XXXX who owns the master servicing rights to our loan ( LOANCARE , LLC ) through this email that I found on Yelp ( there are HUNDREDS of complaints from people ) XXXX An automatic response email said they will investigate this - but NO FOLLOW UP. We would like to receive our OVERPAYMENT of escrow money of {$930.00}. I attached 2 documents to prove this amount. Loancare , LLC has previously tried to take over {$2000.00} of our overpayment of escrow money in XXXX. You will see the complaints I had to write to CFPB to get it returned - at that time, they did not pay our homeowners insurance, tried to charge us for late fees, etc. Here we are again, and they did not return our escrow money like they said they would. I had to contact the CFPB to get them to pay our homeowners insurance ( 2nd year in a row ) on XXXX XXXX, XXXX. The day I complained to CFPB ( XXXX XXXX ) was ironically the same day our homeowners insurance was paid. Loancare LIES - they lie through their teeth!!!!! It is impossible to talk to an actual human being - being put on hold for HOURS, getting disconnected ( hung up on ) there's no direct email to contact anyone - their website will take you in circles with no actual email or contact page that works. It's only through the CFPB that anything will ever get done when problems occur. We would like the return of our {$930.00} overpayment of our XXXX escrow money now. Thank you CFPB for helping us - yet again - with this highly unethical, corrupt, dishonest loan predator.

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have attempted to get my Transunion credit report disclosure by contacting them directly on XX/XX/2021, I was not successful. My internet ( online ) service is spotty to obtain the report online. I have lived at the same address for over 8 years, have not placed any fraud alerts on the report. Further, I have been successful each year having a credit report disclosure sent to me. The file number listed is : 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 non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX  Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute XXXX XXXX again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Per the federal truth in lending act, the printed APR on a retail installment contract must reflect all interest and fees paid by borrowers. Santander Consumer USA charges a bank fee which is paid back as part of amount financed and is not reflected in APR, ergo it is a fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo ( WF ) reports the correct loan balance to CFBP, and to consumer, but inaccurately reports the balance to credit reporting agencies. Wells Fargo in its documentation to CFBP accurately reported a mortgage balance of XXXX ( see page 2 of their response to my last complaint ) but reports a balance of {$86000.00} ( see attached screenshot ) to the credit reporting agencies for the month of XXXX. When I presented this to them they refused to correct it with credit reporting agency in their letter.

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 2021-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I am the attorney for a client in bankruptcy cases. I assume this is one of my clients but the statement is in my name - and so I have no idea who it belongs too. The mortgage company continues to put my name on the mortgage statements and send them to my office instead of the Debtor. I have asked via phone and letters numerous times to have the statements taken out of my name and forwarded to the Debtors property address. The mortgage company refuses to correct the issue. The most recent statement dated XX/XX/2020 is still addressed the same way, please see attached. I have also contacted their attorney - XXXX XXXX XXXX. I have attached the statement for you to see. Please understand this has been going on for over a year.

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 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Midland Credit Management was sent a certified letter in XX/XX/XXXX asking them to verify whatever debt they alleged was owed and a notice to stop all communication attempts aside from mail. USPS verified they received that notice and request on XXXX. Midland Credit Management ignored that request by never responding to the request, which is allotted to consumers under the Fair Debt Collection Practices Act, and continued to harass the alleged debtor. 

Please see below for an exert of direct communication ( the first paragraph was included in the XX/XX/XXXX certified letter and pasted into the second certified letter sent XX/XX/XXXX ), sent via another certified letter to Midland, on XXXX : The alleged debtor would also like to request, in writing, that no telephone contact by your office or affiliates to any contact number your company or affiliates associated with the alleged debtor. This includes personal and employment information. If your offices attempt telephone communication, it will be considered harassment and the alleged debtor will have no choice but to file a complaint. All future communications with the alleged debtor must be done in writing. 

Since receiving the accused debtor communication in XX/XX/XXXX, Midland Credit Management has attempted telephonic contact at least seven different times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST '' Since sending them the 2nd certified letter, confirmed delivered by USPS on XXXX, Midland has again continued the harassment of the alleged debtor and has attempted to call at least four more times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST. 

Midland Credit Management has broken the law twice regarding this case and still continues their harassment. The alleged debtor has all documents sent to and requested of Midland, tracking numbers, certification documents from USPS that the letters were received by their company, and phone records to prove all allegations.

The alleged debtor has two certified letter confirmations that they received the request for debt validation and to cease all communication attempts unless via mail and Midland continues without any regard for the law. 

This company needs to be stopped or held liable in a court of law. 

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Group, Inc.
State: OR

Complaint narrative:
I have repeatedly requested they send me a validation notice. I still have not received anything to verify thier claim of money owed. There is nothing to access online. I am told they are unable to email it, paperwork would be mailed. I have yet to receive any mail correspondence. Per FTC guidelines I should have received that documentation within 5 days of initial contact. 

They have left voicemails on my shared cellular phone number stating that they are a debt collector attempting to collect a debt. The caller leaves the ARG phone number but the caller doesn't disclose their name or the company name in the message. I had to do a web search on the phone number to find out who it was that called. This is another violation as the FDCPA does not permit debt collectors to disclose personal information to any third party.

I have never signed a HIPPA release form for the alleged creditor ARG to have access to any of my medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

CONVERGENT OUTSOURCI Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: PA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2021-01-04 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: LEXISNEXIS
State: NY

Complaint narrative:
They are reporting an inaccurate bankruptcy to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
I have been trying to get verification of these debts since XX/XX/2020 with no success. I sent each company letters and disputed with the credit bureau for unverified accounts, but each time the information was returned as being verified. I sent two letters to XXXX and one to First Point. The first point sent a letter back saying they had nothing on file for me, but wanted me to send in paperwork with my name, SSN, Date of Birth, and have it notarized by a notary.

Company response to consumer: Closed with explanation