vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: AZ

Complaint narrative:
The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendrick Capital Partners
State: CA

Complaint narrative:
I receive multiple calls from Affiliate Asset Solutions XXXX, LLC. Apparently, they are also known as XXXX XXXX XXXX XXXX, XXXX. I have a phone number that used to belong to someone else, and the previous owner incurred a lot of debt. They call me countless times per day, typically under scam likely tags, although their business name is found easily with a quick XXXX search. Their calls have disrupted sleep and work, costing me more money than the petty debts they are trying to collect that arent mine to begin with. I am being harassed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have received multiple phone calls from the company asking for someone named XXXX. I have told them multiple times that that is not me, but they will not listen. I have told them to stop calling me and they refuse to mark down that they have the incorrect number, stating that in the state of Georgia will not allow them to take down anything that I am saying in regards to the account.

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 2022-02-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
In XXXX of 2021, we mailed our income tax payment checks from our local post office. These checks were stolen, washed and deposited with altered information ( United States postal inspection service case XXXX ). One check for {$6900.00} was deposited in PNC bank on XXXX and one for {$5200.00} was deposited in XXXX on XX/XX/2021. Our bank XXXX has been trying to recover our funds and has not been successful. We get a letter every 30 days from the XXXX customer claims department stating that " we could not recover your funds ''. XXXX claims that they have done everything required and we have not been able to find anyone at PNC or XXXX that is willing to talk to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-15 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: AZ

Complaint narrative:
The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
ALSO KNOWN AS : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX  Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX  Date of Inquiry XX/XX/2021

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 2022-02-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit score with Experian was XXXX and now it is XXXX. I tried contacting them to find out why my score dropped. I have not applied fir any credit. It is very hard to reach this company by telephone. I need to know why my credit score decreased. This is causing me a problem finding somewhere to live. Why did my credit score decrease on XX/XX/2022? 

I am submitting this complaint with my former address that was used at the time I registered with Experian. I am XXXX  at the present time due to landlord, XXXX XXXX deceptive business practices and gross negligence.

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 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
On or about XX/XX/2022 I received a call from Credit Corp Solutions , Inc.. Their address on subsequent correspondence is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. XXXX. They informed me that this was regarding an unpaid debt from XXXX in the amount of {$310.00} and they were attempting to collect this from me. I informed them that I had no knowledge of this account and that it was obvious fraud. The email address that they said XXXX provided them was not mine, nor was the street address where XXXX had been sending statements, etc. Credit Corp Solutions said that they would mail me a fraud statement that I needed to fill out and send back. I received the " RESPONSE TO DISPUTE AND VERIFICATION NOTICE '', filled it out stating that I had no knowledge of these charges and that it was obvious fraud and mailed it back on XXXX XXXXXXXX XXXX On XXXX XXXX, XXXX  I received another call from Credit Corp Solutions saying that they received my response but that it was not notarized. I informed them that I should not have to pay a notary for something that was not my debt or my responsibility to pay. I told them if they did their fraud investigation it would clearly show that this was not my account or charges. They refused to accept the statement as sent and referred me to FTC.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Law LLC
State: MA

Complaint narrative:
I worked for XXXX XXXX from XXXX, I was hurt on the job and went to an XXXX Medical PC XXXX office. This bill is the responsibly of my employer. I have sent numerous calls and faxes to the XXXX XXXX and explaining I am not responsible for this claim.

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 2022-02-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
On XX/XX/2022 my husband and I applied to refinance our home mortgage located at XXXX XXXX, XXXX Mi XXXX with Amerisave. We paid {$500.00} to Start the process and lock the rate of 2.75. For the next three months we we told to submit and resubmit our paperwork over and over and over, at least 4 -5times. I expressed our concerns repeatedly that why are we being asked to keep submitting the same documents along with additional documents. We were told by our own officer, XXXX XXXX of AmeriSave, that this was standard and she had no idea why the loan documentation people are indicating they never received the multiple copies. She assured us the rate lock wouldn't expire. 

About four weeks ago, the officer stopped responding and then the emails were listed as undeliverable. I called 800 AmeriSave number and complained and was assigned a new loan offficer who tells us the rate lock expired and we will need to pay {$13000.00} to get the rate and terms we agreed to. Of course we will be unable to find this rate at another company as the rates have gone up. I think Amerisave simply delayed and delayed us in the hope we would be squeezed to come up with a ton of money to close knowing full well the interests rates jumped up. This cant be legal-They committed fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV

Complaint narrative:
I was affected by the XXXX XXXX and fell past due on XX/XX/XXXX when I was forced to take time off so my income decreased. I have been requesting for XXXX XXXX relief from XXXX since then and all they did was place me on a forbearance with no modification help and the end but continue to demand the entire balance owed. I recently submitted on XX/XX/XXXX and was immediately denied for modification options and any home retention options. I have offered XXXX  {$4500.00} to contribute towards the past due but refused to review me for a repayment plan or even consider my request but are more interested in the foreclosure of my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
During XX/XX/2021 my debt card and information was stolen from me and a check of {$9000.00} was put into my account I called pnc to dispute this charge, when I contacted the company they told me I would not owe no money back because it wasnt me now I am getting mail from debt collectors on the behalf of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NM

Complaint narrative:
Between XXXX XXXX XXXX, all of the money on my Unemployment Debit Card issued by Eppicard from XXXX XXXX XXXX , was fraudulently taken, {$26000.00}. I have been in possession of my card at all times. I have not shared my card or the pin. I only used it twice, both at XXXX XXXX ATM. XXXX XXXX is the bank supporting the card. I did not know about the fraud until I received the XXXX statement. Immediately I contacted XXXX XXXX XXXX and Eppicard. Neither were of any help to recover the money. The process takes a long time, waiting for responses by USPS. I have since made reports with XXXX County Sheriff Department, FBI, and NM Attorney General. Reports are taken, but then there is no follow-up. 
The fraud was used in the US and internationally. 
This money is meant to help my family with food, utilities, and expenses, as the state mandates and pandemic has greatly affected our business. Please help get the money returned. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CCS Financial Services, Inc.
State: KY

Complaint narrative:
Had XXXX XXXX  car insurance since XXXX most recent policy was from XX/XX/XXXX to XX/XX/XXXX. I paid by automatic withdrawal every XXXX of month from checking account never late. Paid XX/XX/XXXX as usual however called to cancel policy XX/XX/XXXX was told I had a balance due {$180.00} but XXXX was unable to explain how I requested investigation and also detailed account bill never received it.i did receive a final bill with a due date of XX/XX/XXXX in XXXX went to try to find policy info or billing breakdown on website my whole account history was deleted on XX/XX/XXXX received notice from collections agency. It has not even been 30 days late bill was just due XX/XX/XXXX 2022

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
Debt was disputed with Receivables Performance Management, dispute is attached. Receivables Performance Management received dispute on XX/XX/XXXX, proof attached. 

I have yet to receive any response from Receivables Performance Management. 

Pursuant to XXXX XXXX XXXX, when a debt is disputed all collection efforts must cease. Receivables Performance Management, is still communicating with me indirectly about this disputed debt through the medium of my consumer report Unverified debt to a CRA qualifies as a collection of the debt, ... .. Any subsequent reports to the CRAs violates 1692g ( b ) [ Semper v. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ] Reporting a disputed, unverified debt to a CRA violates this [ XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX Fed XXXX Appx. XXXX, XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation