vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 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: SC

Complaint narrative:
On or about XX/XX/XXXX I was advised that a collection which had been placed on my Experian credit report by XXXX XXXX XXXX would not be removed. That said, please be advised that the same alleged debt has been reported to your agency on each of the following occasions : Complaint numbers XXXX on XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) which was sent to the FTC on XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) Which was sent to the FTC on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) which was sent to the FTC on XX/XX/XXXX. This collection activity in reference to XXXX XXXX XXXX XXXX XXXX XXXX has been deleted from my report on numerious occasions in the past by all three reporting agencies. XXXX  immediately removed this collection from their file upon being notified. Experian adamantly refuses to remove this item eventhough they've removed it withinin the past year.This item has previously been removed from my file as the afrementioned complaint numbers do substantiate. Therefore, I request your asistance regarding this matter. 

Respectfully submitted, 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 2020-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I am elderly retired person. My loan was modified as per loan modification agreement dated XXXX XXXX, Principal balance amount {$960000.00} interest only was supposed to be capital & interest payment ( capital reducing ) from XXXX XXXX. Loan modification agreement was not complied by the lender from XXXX. 
Out standing mortgaged XXXX {$960000.00} started going up increasing every month regularly instead of coming down. I made several complaints verbal & written to the lenders, they acknowledged but no action was taken over long period of time. I want situation to corrected as per agreement & I should be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: NJ

Complaint narrative:
XXXX is incorrectly reporting two separate federal loans as a single loan, improperly causing my credit report at Experian to calculate incorrectly. XXXX has been informed that they are reporting incorrectly and have so far refused to fix their error, most likely because their system is automated and nobody has manually tried to update my reporting to Experian, so my credit score at Experian continues to be negatively effected by their actions.

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 2020-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Roundpoint Mortgage Account No XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Loan refinanced/paid off XX/XX/XXXX Debited my personal checking account XX/XX/XXXX for {$3000.00} How can they debit for a mortgage payment that has been paid off? Called and they said it was my fault because of an online request? Regardless of what the request may have been for, the loan was paid-off. Now being told have to wait 5 working days, and then they 'may ' be able to request a check be issued to me? And they can't XXXX  so I'm looking at not getting my money back until possibly the 2nd week of XX/XX/XXXX? And they can't credit my account, then how is it that they can debit my 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 2020-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
In late XX/XX/2020 I received an invoice from Rash Curtis and Associates, a collection agency, regarding a past due medical bill in the amount of {$1800.00} dated XX/XX/2020. After receiving this first invoice I immediately contacted the company directly asking more questions and requesting documentation that would verify the vendor, along with the amount due on the bill. The Rash Curtis associate confirmed with me over the phone that I was choosing to dispute this charge and I said yes. He confirmed that verification documents would be requested from the original vendor and sent to me within a couple of weeks through the mail. The associate also mentioned that once verified if paid in full the item would not be reported to the credit bureaus. 

About 45 days passed, which included the on-set of the COVID-19 pandemic with local counties then a full state wide shut down of operations, schools, and businesses. I was directly impacted as a teacher and public employee in the XXXX XXXX. Then I received a second invoice mid XX/XX/2020 from Rash Curtis and Associates still without any verifying documentation that indicated again the amount of {$1800.00} was due. Due to the COVID pandemic I was able to quickly obtain a copy of my credit report and noticed a collection amount added from Rash Curtis and Associates in the same amount due. In a panic, despite a lack of job and financial security I immediately secured the funds to pay the {$1800.00} amount in full. 

I immediately contacted Rash Curtis and Associates to inquire about the missing verification documentation as well as the removal of this item from my credit report and was told after speaking with several parties no, they do not remove or delete reported collections. This is again after initially being told that if paid in full the amount would not be reported to any credit bureaus. This single item has had a significantly adverse effect on my credit history, potentially for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: SC

Complaint narrative:
I have been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. Transunion has fixed these errors but I am still waiting on XXXX and XXXX  to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be removed.

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 2020-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
In 2013 this vehicle was charged off. And I have the proof. It's only showing on two credit bureau and it should be on all three

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: SC

Complaint narrative:
I have been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. XXXX  has fixed these errors but I am still waiting on XXXX and Equifax to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: SC

Complaint narrative:
I have been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. XXXX  has fixed these errors but I am still waiting on Expieran and XXXX to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be removed.

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 2020-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr. Cooper is not accurately reporting payments, payments amounts, escrow increases, and true account activity. 

I have had Mr. Cooper as my mortgage servicer since XXXX when they were Nationstar. There have always been issues with how payments and payment increases have been processed. The heightened issue is when I went into the COVID pandemic relief plan that was offered for up to a 12 month relief period. I took this plan in XXXX after permanently losing my job in XXXX due to the pandemic. Up until XXXX I was able to swing my regular monthly payments with some stimulus help. When I extended the COVID plan until XX/XX/XXXX this is where the real problems started. I was blocked from all activity on my account. Electronic payments were claimed not received or posted although they cleared my bank accounts. Once I could view things payments were not accurately receipted and the entire history of the account had been monkeyed with noting substantial historical unapplied funds. My payment had also been increased. Prior to COVID any additional payments I made we designated to principal. 

My account is now flagged as a MODIFICATION and I did not review or agree to any MODIFICATION with the exception of the COVID relief program that Mr. Cooper approved until XX/XX/XXXX XXXX the nine month mark ). Mr. Cooper stated even though I was told I would be allowed up to 12 months of COVID protection that they were ending it at 9 months. Mr. Cooper refuses to receipt payments accurately, and dodges increased escrow inquiries. I never received notification of this increase in writing or otherwise prior to the increase already being implemented. 

I was sent a notification 9 days ago where nothing was actually posted about some communication regarding modification. I have not reviewed or agreed to any MODIFICATION with the exception of the COVID relief plan. 

Mr. Cooper has several class action lawsuits out there citing the same experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: TN

Complaint narrative:
Experian is continuing to report an account with XXXX as an open account when in fact it is closed and has been removed from my credit report by the other credit bureaus for reporting inaccurate information.

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 2020-12-19 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: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with ; 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.

I am allowed to provide a statement explaining my dispute ( up to 100 words ). This clause does not state what the content should be, and 100 words is not enough to explain the fraud that has been committed by the XXXX. related to this item on my credit report. I have instructed Equifax to provide the following link to explain my position and the truth of this fraud. 

This amount is in dispute, visit " XXXX XXXX XXXX '' for a full explanation. 

Equifax has refused to add the statement I have provided in accordance with my rights under the paragraph of the act mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC
State: SC

Complaint narrative:
I was checking my credit report randomly and noticed that I had a collection account on my credit report from Flagship Credit Acceptance. I did further research to identify it and ended up sending them a letter stating that information is incorrect and does not belong to me and requested some type of documentation showing my signature or any type of additional documentation. I received a letter back from them with a contract and first thing I noticed was the name. The contract belongs to a XXXX XXXX XXXX that lived or lives in XXXX Texas, and shows a car a XXXX XXXX XXXX being purchased from XXXX XXXX on XX/XX/XXXX. I sent a letter back stating that contract does not belong to me, and went into details about that being someone else. I also included a copy of my social security card and my drivers license as supporting documentation on my behalf. Flagship sent back a letter claiming the debt was mines and sent me an itemized list with the same information as the previous contract that claimed was mines. Ive tried over the last two months to resolve this issue and have been unsuccessful. It is affect me my credit badly and affecting me from using my VA home loan to purchase a home and even get approved for many different things, since its a negative mark on my credit shows me owing XXXX to flagship. Ive exhausted all my means trying to show and explain the debt on my report is not mines. I have attached the contact they sent to me. Ive also attached the itemized bill and the letter I sent to them.

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 2020-12-19 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: Synerprise Consulting Services, Inc.
State: OK

Complaint narrative:
In accordance with ; 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.

I am allowed to provide a statement explaining my dispute ( up to 100 words ). This clause does not state what the content should be, and 100 words is not enough to explain the fraud that has been committed by the Dr. related to this item on my credit report. I have instructed XXXX  to provide the following link to explain my position and the truth of this fraud. 

This amount is in dispute, visit " XXXX XXXX XXXX '' for a full explanation. 

XXXX  has refused to add the statement I have provided in accordance with my rights under the paragraph of the act mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX suing me for credit card balance that i didn't owed., original creditor ( XXXX XXXX XXXX XXXX ) received/adjusted payment because i was reported those Fraudulent charges made due to ID theft. and i send all the documents including ID theft report to XXXX but they ignoring my request to close the case. 

They ( XXXX ) made my life miserable. I am a victim of identity fraud. I didn't owe any money to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: MI

Complaint narrative:
On XX/XX/2020, I sent a letter regarding unknown and inaccurate items that were on my credit report. After at least 60 days ( about 70+ now ), I still haven't heard anything back. Absolutely No Response. I feel like I am being ignored or taken advantage of in regards to the disputes. I have studied and according to section 611 ( a ) it is clearly stated that a failure to investigate these items gives a reason to delete these items WITHIN 30 DAYS and to be taken off of my credit report. Now, that at least 70 days have passed they need to be deleted immediately. Therefore, I demand that these items be removed from my account right away or I WILL begin litigation because this has exhausted me to my wits end and you have caused me a lot of stress. Not to forget to mention, I was hugely affected by the data breach involving XXXX and now I am fearful because my records are possibly in the hands of the wrong person. This is a serious matter.

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 2020-12-19 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: MI

Complaint narrative:
On XX/XX/2020, I sent a letter regarding unknown and inaccurate items that were on my credit report. After at least 60 days ( about 70+ now ), I still haven't heard anything back. Absolutely No Response. I feel like I am being ignored or taken advantage of in regards to the disputes. I have studied and according to section 611 ( a ) it is clearly stated that a failure to investigate these items gives a reason to delete these items WITHIN 30 DAYS and to be taken off of my credit report. Now, that at least 70 days have passed they need to be deleted immediately. Therefore, I demand that these items be removed from my account right away or I WILL begin litigation because this has exhausted me to my wits end and you have caused me a lot of stress. Not to forget to mention, I was hugely affected by the data breach involving Equifax and now I am fearful because my records are possibly in the hands of the wrong person. This is a serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: MI

Complaint narrative:
On my credit report under hard inquiries, it shows XXXX  ( XXXX XXXX XXXX card ) as of 1XX/XX/2020.This was suppose to be a soft inquiry and it is under soft inquiry as well.This XXXX should be a soft inquiry

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 2020-12-19 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:
Dear XXXX XXXX XXXX XXXX, I request the credit report you accessed for the attached incomplete and undated loan application. The copy of the credit report will prove you did not have permissible purpose and the loan was fraudulent. 
Dear Transunion and XXXX, XXXX XXXX XXXX XXXX will refuse the above request and label as duplicate complaint when they haven't furnished a copy of the credit report by law. I expect Transunion and XXXX  to refuse any simple reply that XXXX XXXX XXXX XXXX is reporting accurately and to review the documents for yourselves. 
I also expect no one to reply with a form reply to remove this off your desk and feel you have done your job.

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 2020-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I checked my XXXX  XXXX. Every collections account is wrong. I have a charge from XXXX XXXX. Never heard of it. PYOD-never heard of it. XXXX I did go to. But I paid XXXX in cash and used my XXXX XXXX XXXX. I think the 4th one is Target. That one is my mom 's account. I have disputed all of them. Target wants me to pay for a notary of my signature. I have told them that they are mistaken. I have sent them a copy of mom 's death certificate. They refused to remove the mark on my credit. She lived with us. I sometimes paid her bill on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: MI

Complaint narrative:
On my credit report under hard inquiries, it shows XXXX  ( XXXX XXXX XXXX card ) as of XX/XX/2020.This was suppose to be a soft inquiry and it is under soft inquiry as well.This XXXX should be a soft inquiry

Company response to consumer: Closed with explanation