vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. ( Please see pages attached from my credit report for reference. ) The accounts are as follows : XXXX XXXX XXXX  partial account number 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. These line items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
The original creditor is XXXX XXXX XXXX, and the credit card was closed by the creditor due to fraudulent/suspicious activity. I reached out to the original creditor to go over my credit card account. However, the customer service representative who was based out of XXXX wanted me to send him copies of my checking account bank statement. I told him that I did not feel comfortable sending him copies of my bank statements, so the customer care representative based out of XXXX would not help. I disputed the original creditor on all three of my credit bureaus, and the account was removed from all three credit bureaus. This issue took place back in the Fall of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX  XXXX and XXXX XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2021-03-30 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: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX  XXXX and XXXX XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I settled this debt with XXXX XXXX XXXX for debt owed to XXXX XXXX. The debt was settled for {$400.00} on XX/XX/2021. XXXX XXXX XXXX verified that they owned the title to collect the debt. XXXX enlisted the help of XXXX XXXX XXXX to collect the debt knowing that the debt was sold. I received another debt collection letter from XXXX XXXX XXXX on XX/XX/2021 for collection of the XXXX XXXX debt. Ive sent my receipt of payment from XXXX XXXX XXXX  and my release of liability to XXXX XXXX XXXX  on XX/XX/2021. I just sent Resurgent Capital Services the same document on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I received a notice from XXXX  XXXX  that XXXX XXXX XXXX XXXX pulled a hard inquiry on my credit report. The business is located at XXXX XXXX XXXX, XXXX, KY XXXX. At the time the report was pulled, I was working at XXXX and XXXX in XXXX XXXX Ohio. I haven't been to XXXX since XXXX. I called numerous times regarding this issue and they still haven't removed their inquiry. I explained to the company that I am on XXXX and haven't been outside of the State of Ohio since XX/XX/XXXX. It's been a couple of months since I last called the company and they still haven't removed their inquiry. 

I also received a hard inquiry from Credit Accept Corp/CAC on XX/XX/XXXX as a result of the XXXX XXXX credit pull. I asked XXXX XXXX about the pull and they told me that CAC is their financing department. I contacted CAC about the issue and explained that I haven't been to XXXX since XXXX and that I didn't give either company any permission to pull my credit. Like XXXX XXXX, they haven't done anything to remedy 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 2021-03-30 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: IL

Complaint narrative:
On XX/XX/XXXX, a bankruptcy once listed on my account was deleted due to inaccurate reporting ( Supporting document # XXXX XXXX. After the deletion of this item, several accounts started to report inaccurately. Also, many disputes would not update after the investigation was completed. All the disputes would say " Consumer Disputes - Reinvestigation in Process, '' Although I did not have an active dispute. I disputed the " comments '' ; however, the final results states that the explanation previously attached to this account has been deleted, but my report would not update ( Supporting document # XXXX XXXX. Since the report would not update, I would have to dispute the comments repeatedly, just for the issue to reoccur again. The accounts that have not been updated and that I have to keep disputing are XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. Since the comments would not come off, I disputed that they are reporting as open on my account when they should be closed and listed as XXXX. No updates or corrections were made. Equifax disputed the accounts again to have the comments removed. 


I disputed the XXXX  XXXX XXXX account on my report since it reflected as XXXX days past due, a past due amount of {$210.00} ( supporting document # XXXX ). XXXX  XXXX XXXX was listed in Bankruptcy and should not be reflecting as past due. On XX/XX/XXXX, XXXX  XXXX XXXX updated my report, removing the incorrect information ( supporting document # XXXX XXXX. However, the report stated in the additional information that " Consumer Disputes this account information, A temporary update freeze on file, collection account. '' I once again submitted a dispute to have the account comments removed. This time, XXXX XXXX  XXXX XXXX account reports late 60-80 days past due XX/XX/XXXX. Balance amount of {$1700.00}. I spoke with XXXX  XXXX XXXX, and they state that they updated Equifax that my account is XXXX and did not give them any information that the account was behind since it has been closed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
LoanPal has repeatedly demanded payment via phone calls, but have been unable to provide any statements outlining the debt owed. 

I have made multiple attempts to get them to stop calling to collect a debt for which they have been unable to provide a statement for, but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: National Credit Systems,Inc.
State: PA

Complaint narrative:
XXXX is the company. 

I have tried to contact this company. I have never had any account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I called In to pay debt in full, and days after received paid in full letter which is attached. 
I have disputed the balance with all three bureaus and target refuses to update by minimum the amount to {$0.00}. 
I last spoke with XXXX  today at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I sent a debt validation letter to bull city financial which was received on XX/XX/21 asking for specific documentation including contracts and/or lease agreement baring my signature and any other relevant documentation as proof that this third party company has the legal right to collect not just to verify whether or not the accounts in question belong to me or not. In the process bull city financial sent me an itemized bill with dates amounts and procedures without a signed hipaa release form. I believe that my rights have been violated. Including but not limited to never receiving a notice of intend to collect or proof a notice was sent as required under 1692g, not using the proper procedure to legally verify debt by requested the original creditor send the requested validation documentation instead Bull City Financial sent to me directly disclosing this company as possession and/or direct first hand knowledge of PHI, possibly illegal practice of passive collections ( parking )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc.
State: NM

Complaint narrative:
An escrow account refund is expected, in the amount of {$860.00}. I would have been sent to me after i paid off my loan in XX/XX/XXXX. In XX/XX/XXXX, I called CORNERSTONE HOME LENDING, LLC - SERVICING DEPT, in New Jersey to find out about the refund check. A check was issued, but lost in the mail. They said that they would put a stop payment on the check i never received and would issue a new check. In XX/XX/XXXX, I called to check status on the check, but each time I called, I was unable to reach any one to speak to directly. I couldn't speak to anyone in the servicing department, because either he line would ring and then drop, or the person who would answer the phone said I needed to be transferred to another person. Then, when transferred, I would hold on the line at times for up to 2 hours, only for the line to drop after the long wait. This has happend time and time again, in fact on a weekly basis since XX/XX/XXXX. I have been calling weekly, with no success in reaching someone for help with my refund check status. The week of XX/XX/XXXX, I did finally reach a representative via email, who has been trying to help me from her XXXX office. But, even she, an employee, has had issues in trying to connect with someone in the New Jersey office. In the meantime, today is XX/XX/XXXX and i still do not have my refund check of {$860.00} from the Cornerstone Home Lending, due from the month after my loan was paid off in XXXX, and there is no interest being paid to me on the {$890.00} amount of money, because I do not have it to deposit in to my personal interest bearing savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
When covid hit in XXXX of 2020, I decided to apply for the Pandemic Forbearance Plan since my job was reducing hours. I thought this would be a great way to ensure my house stay mine while I figured out what needed to be done to get money flowing back through my bank accounts. In XXXX of 2020, I started my own company and the cash flow increased enough to where by XXXX of 2020 I contacted Mr. Cooper to figure out what needed to be done to start paying my regular monthly payment again. I was told the only option I had was to do a loan modification so I started the process. Here we are 5 months later and I am still being dragged through the hoops. They denied my first application due to incomplete packet. So I re-applied. They came back with a trial plan offer of {$4700.00} for 6 months. I denied this plan because my normal mortgage payment was {$1800.00}, there is no way I could afford {$4700.00}. So we re-applied yet again ensuring they knew that only my income was to be taken into account for this modification not my parents. At which point they came back and denied me yet a 3rd time saying I was over extended. 
It seems like this company has no intent on helping me keep my home and is only giving me the options to either pay the lump sum to reinstate or sell my home. I am bending over backwards trying to provide any information I can to keep my home and work out a deal and I am receiving no sympathy or even a sense of urgency from Mr Cooper in wanting to help me keep my home. They seem to not care at all about my well-being and honestly could careless if I lose my home. It is super sad that a company like this is completely ok with screwing people over during a global pandemic. I have done everything just trying to get back to paying my mortgage regularly and they have made that process beyond excruciating and very draining. This is not how loyal customers should be treated. I am fighting to not loose my home and I just wish they would do the same in aiding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2021, I received notification that a debt had been added back to my TransUnion credit report. It is listed under the collection company XXXX. The Fair Credit Reporting Act ( FCRA ), requires consumer reporting agencies ( CRAs ), also called credit bureaus, to maintain an accurate file of your credit information. Also according to the FRCA items can not reappear on your credit report unless youre notified in writing within five days. I have not received any notice from Transunion informing me of such.

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 2021-03-30 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: TX

Complaint narrative:
XXXX XXXX  XXXX/XXXX  # XXXX XXXX XXXX # XXXX remove all FCRA from this page ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX see attachments for the proof of wrong informations

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 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I am a XXXX year old woman with XXXX XXXX XXXX. My only source of income is Social Security which is protected by federal law from being garnished. Stenger has previously been informed of my circumstances. 
On XX/XX/2021 XXXX filed a Summons & Complaint. On XX/XX/2021 an unknown white male showed up at my door. Being a single XXXX year old woman, I do not answer my door to unknown. In the process of banging on my door unknown male maliciously destroyed my doorbell. I believe this is Stenger 's way of trying to intimidate seniors. I knew at a later date that this is the process server Stenger hired because I found his notice blowing around in my yard when picking up trash. I have filed a complaint with the police and will be seeking reimbursement of the cost incurred in obtaining and installing a new doorbell. 
Also, I am drafting a grievance against Stenger with the Michigan State Bar. 
From my research on Stenger they are known to be very shady. I am watching out so they do not try to enter a Default Judgment. They are " bottom feeders ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TX

Complaint narrative:
Someone comprised my personal information in XXXX and opened a XXXX  XXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.

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 2021-03-30 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: TX

Complaint narrative:
XXXX XXXX  XXXX/XXXX # XXXX XXXX XXXX # XXXX remove all FCRA from this page ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX see attachments for the proof of wrong informations

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX/XXXX # XXXX XXXX XXXX # XXXX remove all FCRA from this page ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX see attachments for the proof of wrong informations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested my credit report from anualcreditreport.com where it clearly states " During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, XXXX  and XXXX  are continuing to offer free weekly credit reports. '' I was unable to process it on line so I requested by mail. I received a letter ( attached ) that I had to pay because I have already received a report in the last 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent about {$2000.00} on XX/XX/2021 that was supposed to be available to the recipient on XX/XX/2021 with Chase bank to an international bank. However, I requested to cancel the payment on XX/XX/2021. I have talked to everyone that I could possibly talk to to cancel my payment, but no one can do anything about it. I wanted to cancel my payment because the recipient did not receive the payment on the day they were supposed to. They still haven't received it. The company wants me to figure this out with the international bank when I transferred the money with chase bank here in the US. I even tried contacting the person I transferred the money to, but I was told to call my bank. I keep being sent in circles just to get my money back.

Company response to consumer: Closed with explanation