vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
what are these remarks by XXXX on my CREDIT REPORT EXPERIAN : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXX 's. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by XXXX. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now XXXX is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. XXXX has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had XXXX is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the XXXX XXXX REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?!

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 2021-09-17 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: World Acceptance Corporation
State: IL

Complaint narrative:
This is the second complaint I filed against World finance Company this was from a loan back in XXXX that was closed in XXXX then World finance sold it to another part of their company and then re-opened the account XXXX years later in XX/XX/XXXX and lied and said I made a payment which I sure did not it is a bold face lie I reached out to the company but they were unresponsive and rude this is my only option left

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im a victim of fraud never applied for this account they keep sending me statements to pay them and its not fair when I didnt apply for this product chase is a horrible bank with a bad reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: ERC
State: OH

Complaint narrative:
ERC Collections repeatedly calls looking for " XXXX ''. I am not XXXX, I have told them they have the wrong number, and they agree to remove my number from their files. The calls continue, it's been nearly 3 years. At this point, it can not be caused incompetence or an honest mistake, it is willful and intentional harassment. I have no business relationship with this company, and never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
Received a forced placed insurance notice on my home from LoanCare, stating that I did not have homeowners insurance, while at the same time getting a bill from my Homeowners insurance company saying that it was not paid. I have an escrow accout. I contacted my homeowner 's insurance as to why I would receive a bill and why did my mortgage server not pay it, they told me they sent it out for payment back in XX/XX/2021 and never received it. The homeowner 's insurance contacted LoanCare directly and was told that they don't accept any payment requests through the mail. and that it has to be electronic so that's why it was not paid. thus, making them send out a notice for forced place insurance. The homeowner 's Insurance company told them that I have insurance and this should have never happened and payment needs to be made asap. Loan Care stated that they would put a stop to the forced placed insurance and send out payment within a week. They never did, and I just received ANOTHER forced placed insurance notice stating that I will need to pay over XXXX because I have no homeowners insurance, This makes me sick that not only have I contacted them, but my homeowner 's Insurance company has also reached out to them for payment and they have not paid, leaving me with fraud when this should have never even happened, its fraud, true fraud, And LoanCare should not be able to get away with this, The stress this has put on my is overwhelming and the moment they place forced placed insurance due to their own lack of following the laws for processing/servicing a loan. I will be using them for the stress and causing me to lose homeowners insurance due to them NOT paying, ( mind you, this is XXXX XXXX XXXX for XXXX families, my father has been with them for years he is a military veteran ) My family should not lose our good stating with them because LoanCare and its servicing company will not pay bills like they are required by law. RESPA REG X SEC 6, This is the last chance I have to get LoanCare to do their job and stop the illegal practices. XXXX XXXX, XXXX is the current servers for LoanCare that I have found, if this is true then XXXX 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
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 ComenityXXXX ( FDIC # XXXX ) Restricted access to my saving account since someone is another state tried to access my account. I immediately changed my password. On XX/XX/2021 their fraud department finally cleared my account for me to access it. But " executive management '' still has not lifted the restriction ( XX/XX/2021 ). They are giving me no reason why. I need my money asap to replace my roof and remove trees. Otherwise I may be dropped from my homeowners insurance. I have contacted them multiple times a day and all they tell me is that they are working on it. When asked what else they are working on since their fraud department cleared me, they have no answer for me. They also can't tell me when I can expect access to my money. My daily phone calls have been over an hour because to transfers and long hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
The debt collector was sent a certified letter to stop contacting me as the original creditor ( XXXX  ) waived the amount owned following a dispute on XXXX XXXX XXXX. I have sent an email were I have attached the dispute resolution and somebody from the office confirmed over the phone call that they have received it. Unfortunately they don't stop calling and keep saying that they haven't received it. I have sent the dispute letter multiple times but the calls still don't stop even after verbally asking them to stop calling me. The debt collector is Caine & Weiner, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX. Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
After receiving my credit reports, I noticed a fraudulent bill for over XXXX dollars placed by a former landlord on my credit history. My requests for removal via dispute process was denied, reason being amount disputed was verified as correct by the debt collector used by the landlord. Housing Court confirmed this debt is in fact not, correct, and there are no open cases or judgements against me for that amount. This was clearly done as retaliation for me calling our State Health Department which is illegal. Receiving a picture from a former neighbor of men in hazmat suits entering my former apartment verifies that in my view and opinion. This landlord demanded payment yet refused to change my carpets after getting a doctors note as directed and remodeled the entire apartment complex except my apartment contributing to sickness, homelessness and denial of other housing based on fraudulent credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Wrote a letter for Debt validation never received the validation, Once I started disputing it the account went from Open to closed with a balance Im not sure if I even owe this debt or if they are authorized to be collecting this debt, I contacted the original creditor they couldnt find my name in there system to say I even owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My credit score dipped 39 points in XXXX. I now see remarks on all my files from WF just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the 600s! I was in the 700s 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told WF that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because WF did not report me correctly. This should show PAID as HUD paid those two months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.

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 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I had a LoanDepot loan for my mortgage previously and then decided to refinance with LoanDepot and withdraw approximately {$10000.00} in equity from my home. 

On XX/XX/2021 I signed closing documents on a refinance of my home, in the presence of a notary provided by an agent of LoanDepot through a local closing attorney. Despite many requests, no one will provide me a copy of the documents I have executed. 

On XX/XX/2021, the loan processor, XXXX XXXX ( XXXX ) XXXX called me to tell me the " title '' part of the company needed additional information, including a copy of a bank statement I had already sent, additional proof my company was still in business, and unless I paid an additional {$2200.00}, they would not fund the loan. 

I have not rescinded my refinance, yet LoanDepot is refusing to fund the loan or send me the money I am owed from the refinance. Instead, they are attempting to extort more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: AL

Complaint narrative:
I recently submitted a complaint to Experian about a data furnisher would never responded to my original dispute. In the complaint I detailed the event and also explained how Experian had been in violation of FCRA code for allowing an account to remain on my report that had inaccuracies. The account I disputed showed an updated status date of XXXX, when in fact, my dispute letter went out to XXXX  in XXXX of XXXX. XXXX  responded with a general message, saying that they would conduct further investigation and contact the original data furnisher about the case. Shortly after receiving their updated response through the CFPB portal, I received an email from Experian saying that my dispute results were ready. From my understanding, Experian did not in fact re investigate my situation, ( another violation grounds for automatic deletion ). They simply updated the status to XX/XX/XXXX. I'm furious as to how things like this are acceptable within this industry. How is this company allowed to control such things that directly affect the livelihood of consumers? I want the XXXX XXXX information deleted from my account for lack of proper investigation on a dispute by Experian, & failure to respond to a dispute within 30 days by 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
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
The check for the full amount due ( {$1400.00} ) to the original creditor was mailed on XX/XX/2021 & cleared my banking institution on XX/XX/2021. This issue was deleted from my credit report with XXXX & XXXX on XX/XX/2021 based on my supporting documents. United Collection Bureau is still reporting this as a valid account with XXXX, which is obviously Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: WI

Complaint narrative:
My credit score dipped XXXX points in XXXX. I now see remarks on all my files from XXXX just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the XXXX! I was in the XXXX 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told XXXX that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because XXXX did not report me correctly. This should show PAID as HUD paid those XXXX months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: WI

Complaint narrative:
My credit score dipped XXXX points in XXXX. I now see remarks on all my files from XXXX just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the XXXX! I was in the XXXX 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told XXXX that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because XXXX did not report me correctly. This should show PAID as HUD paid those XXXX months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.

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 2021-09-17 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: WI

Complaint narrative:
PLEASE ADD THIS COMPLAINT TO ORIGINAL : XXXX AS TRANSUNION COULD NOT FIT. My credit score dipped XXXX points in XXXX. I now see remarks on all my files from XXXX just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the XXXX! I was in the XXXX 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told XXXX that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because XXXX did not report me correctly. This should show PAID as HUD paid those XXXX months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.

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 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ALLEGED DEBT BEING PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR HAVE ANY KNOWLEGE ABOUT ITS FRAUDULENT PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation