vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I first noticed that on the XX/XX/XXXX that my credit score was updated on two of the three credit bureaus, XXXX  did not adjust ( which is sometimes customary ( as long it is not a low score ) ), my XXXX  score had risen greatly ( no complaint against them ), however, my previous score with Equifax was XXXX, with a good credit standing, but it dropped tremendously about 56 points to XXXX without reason. I contacted an Equifax customer service agent after creating a MyEquifax online account, and the agent was giving me tips on how to improve my credit score by signing up with the only card I have and is in good standing with, after I explained the aforementioned issue ( why did Equifax lower my score whereas the other two had either risen or remained stable ). 

So basically, I am only asking that Equifax not only bring up my score back to XXXX, but also update my score with the recommended points close to or above 700. I only have one major credit card ( XXXX XXXX/MasterCard ) in which I have been paying two or more large payments before the due date the last two months ( from XX/XX/XXXX and in XX/XX/XXXX ), so my question is why did this credit bureau lower the score by 56 points whereas the other two bureaus either heightened or stabilized the score?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My mortgage was sold to Mr. Cooper a few months ago. They have since raised my escrow amount around {$450.00} a month. My taxes actually went down this year. They wrapped my flood insurance in, which I pay on my own directly to FEMA. That is on it's own only {$270.00} a month. I am wondering how a company can do this huge jump in escrow without a reason. They will not take out the flood insurance from the escrow. I am very frustrated and don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Dispute Case ID : XXXX Transaction Amount : {$6.00} USD Dispute Amount : {$6.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 I disputed a transaction from XXXX  who had two accounts from me for 10 months taking out from me by Pay pal credit. Pay pal credit refused to assist me to get my money return from XXXX XXXX. Pay pal told me that I had to get my money to return myself from XXXX XXXX. 

I called XXXX on XX/XX/2020 and they told me that I had another pay pal account and my pay pal account I paid the both of the XXXX XXXX  is the XXXX account. XXXX claims that they can't verify that I paid XXXX a month out of my pay pal account and they need Pay pal to contact them, However, pay pal refuses to assist me contacting XXXX at their request to get my refund as I am their customer. 

I want Pay pal to get all my money return from XXXX XXXX  because XXXX is abusing me and Pay pal is abusing their powers as well. Attached you will find the transactions of the XXXX accounts and payments from the pay pal accounts. XXXX owes me XXXX from the XXXX accounts. The second account XXXX I paid XXXX, therefore, I will be paying on two accounts and pay pal been taking it out. of 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 monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
5/3rd Bank allowed {$4000.00} to be stolen from our account and refuses to honor our claim. Multiple thefts occurred from XX/XX/18 through XX/XX/18. We filed an original claim and that was denied, a dispute letter was filed and also denied. We just recently filed a complaint with XXXX XXXX XXXX. 5/3rd bank promptly responded to XXXX  with the same excuse. 5/3rd bank claims the thefts were made using a card with electronic protection or PID #. Regardless of what method was used the thefts still occurred and the bank allowed several fraudulent purchases to be deducted from our account. 

NOTE : We have been a 5/3rd customer for almost 40 years. The thefts were not promptly noticed due to health issues at that time. 
Our last contact was with : 5/3rd Dispute Resolution Department ; XXXX XXXX ( Office of the President ) PH : XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX , Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I keep getting harassing calls from the Western Shamrock trying to collect a debt in which I was listed as a reference ( I do not owe this debt ). The local branch manager sent me the Collection and Past due amounts for the person they are trying to collect from and asking that I get in touch with their client. I am only the reference and I do not owe the debt. They keep calling even after telling them to stop calling. I receive correspondence from them. The local branch manager and their employee are harassing and keep calling on a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc.
State: TN

Complaint narrative:
Conns Appliances INC shows two 30-day late payment on my account which completely wrecked my credit score and is impacting the ability to house my family. I have had a stellar payment history with Conns and dutifully paid my account online everytime via their Webportal until I had an issue making payment via the portal and contacted support which told me that the portal had changed. This negatively impacted my payment because I always paid at the very end of the month and the delay caused my payment to be counted as late. My next payment was also impacted because my card was compromised and canceled by my bank which caused my autopay to not go through. Once I became aware I immediately corrected the issue and made payment but Conns still counted it late. I have paid off the account entirely and wish for my 30-day lates to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Although this debt was discharged in bankruptcy, we have continued to pay the debt to Shellpoint Mortgage Company. Recently, we were a little behind and they reported this loan to a consumer reporting agency as delinquent. 

When I called to resolve this issue, I was transferred to the " bankruptcy department '' and placed in a system which requested my mailbox number???? Surprise, I don't have a mailbox on their system. Additionally, or perhaps I should say secondarily, the 'system ' said that if I did not have a 'mailbox number ' then I should leave a message for the person who I was calling for in that department. Since I don't know anyone in that department, I could not leave anyone a message and had no alternative except to hang up and call back, wait forever and go through the entire process all over again!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I became aware of a lien on my property from a company i'm not aware of for a debt that i'm not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to get my correct credit score from Experian for 7 months. Also in previous years I have for months also tried. 
In XXXX of XXXX I hired a credit repair company to find out why my score was so low.Over the next 6 months I paid {$120.00} a month for repairing my score. They were only able to get the scores up on XXXX XXXX and XXXX, they were not even able to get an updated score from Experian. In XXXX of XXXX I hired another credit score company to do the same as far as raising my score. My intention was to get the new company ( XXXX XXXX ) to get my score, I figured since they were a law company they would be able to get me results.The problem I have is that Experian shows my score from XX/XX/XXXX. I have called Experian at least a dozen times about this matter. I spoke to probably 20 or so people bout the problem of the old score.I have been told it was my operating system would not work so I tried using XXXX XXXX for the score as they said that would work, but still score from XXXX comes up.Then I spoke to another person at XXXX who said I had to empty my cookies and cache to get my score, I did and still score from XXXX came up.Then I called again and another person said it would be sent to the technical dept and keep checking, also keep refreshing the page.When I attempt to refresh the page this message comes up ( An error occurred and we are currently unable to process your request ) Still old score from XXXX comes up.I don`t feel I should be at the mercy of a credit reporting company. Because of the scor problem I can not refinance my, buy a car of get my son into college. There has to be something that cane be done to this company. Credit wise they are destroying my credit and my way of life.

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 2020-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: TN

Complaint narrative:
I received notification from collection agency XX/XX/XXXX stating I owed {$820.00} with no additional information as to what I owed the money for. I submitted dispute in writing with request for details as to what it was I owed for. The notice was submitted within the 30 day period from when the letter was received. I received nothing from the company, then the collection showed up on my credit report. When I contacted the company, they advised me they moved suite numbers at the same address and never got my letter disputing. I asked for proof in the initial letter I mailed requesting validation of the alleged debt and never received anything. I verbally asked for proof once again a month later when I called and still have yet to receive any kind of documentation for proof that I owe this money. I was told this was for a security system I purchased in XXXX, 10 years ago ( which I never did ) They said this was a new account they acquired from a company who is no longer in business. XXXX XXXX was extremely unhelpful and rude and said that I owed the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MS

Complaint narrative:
I was charged with opening and non payment of an account by Discover bank. They did an investigation of the account. Said it was mine and I revived goods and services with their card, They also said it would be reported to the IRS. A very disgruntled form letter. 
They did. But they put a account number on it which I have denied in good faith that is not mine. Account # XXXX. 
Charges have been filed with the Mississippi Attorneys Office against the person who used all of the accounts you have so far invested on my behalf. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
The company repeatlly call even after I ask them not to, I have explained that this is not my debt but they wont listen. during one phone conversation the gentleman said that I could borrow from the equity from my home to pay, I am XXXX years old on a small fixed income. 
On XX/XX/2020 I received a letter requesting my checking account number so they could take the money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: CO

Complaint narrative:
Good afternoon. My name is XXXX XXXX and I am a victim of what seems to have happened to many regarding federal student loan forgiveness. Premier Student Loan Center got in contact with me in XXXX of XXXX and we moved forward with forgiving some of my student loans. They asked for {$900.00} upfront to provide their service and to pay $ XXXX/month for 20 years. Originally I was paying {$90.00} and it was really hard to make payments on top of all the other bills I had after college. They told me to not pay attention to my XXXX  bills because with PSLC all I had to do was pay them, and they forgave thousands of my debt, then PSLC would be the ones paying off my XXXX  bills. I have worked with consolidation companies before so this did not seem fishy to me at the time. It has been over 3 years since signing all these contracts and I have been paying them every month, but since XX/XX/XXXX money stopped getting taken out of my account. I tried calling PSLC and I heard an automated message saying that PSLC is under investigation and all the money I paid into the program has in fact NOT been getting paid to XXXX, which is what they promised. None of the thousands PSLC forgave actually posted to XXXX, and now I am being sent all these past due bills from XXXX since this whole time apparently PSLC has not been paying XXXX. I only went with PSLC because their website and reviews were accredited by the XXXX. Turns out, the XXXX  are the ones actually suing PSLC. I paid all of this money and I trusted PSLC to consolidate my loans and get me on a successful payment plan. Doing PSLC math I only owed {$2000.00} left. According to XXXX, I still owe almost {$8000.00}. I need some sort of resolution or to be put as one of the victims in the class action suit against PSLC. Please help me!! I have all the contracts that were signed by me and PSLC to show how much I owed. Someone please please get in contact with me to resolve this very unfortunate issue. The contract I signed said I only have {$2000.00}, but with XXXX  it says I owe {$8000.00} still. This business was originally approved by the XXXX, and I want my contract to still stand with me only owing {$2000.00}. With XXXX, before when I kept making payments to PSLC I received a bill from XXXX  every month saying my balance was {$0.00}. Now it's saying I owe them $ XXXX/month since PSLC does not exist anymore. So if it was originally approved by the XXXX  and XXXX recognized this business as a consolidation company, then me owing {$2000.00} should still stand, not {$8000.00}. I am seeking to get back {$6000.00} to bridge that gap of what was supposedly forgiven by PSLC so I can pay XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-04 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: AR

Complaint narrative:
I was in the process of buying a new vehicle due to my family growing. As I was in the dealership I searched for the car I wanted and sat down with the salesman to see what type of interest rate I could get. As my credit got pulled it was almost impossible to get a low interest rate with the maximum of items on my report that are not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX  XXXX {$83.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC System is reporting a false charge of {$400.00} that they claim i owe XXXX XXXX XXXX. IC System will not stop calling me and emailing me for this money. I have already explained to the reps that i never had a direct tv account or any XXXX  account for that matter. I sent letters to IC system and XXXX XXXX and still continue to get harassed and falsely reported.

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 2020-02-04 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'll sue for the following if not removed.

1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, ACCOUNT NO. XXXX CORRECTLY HAS A DATE OF FIRST DELINQUENCY OF XX/XX/2015. 
XXXX ACCOUNT WAS 30 DAYS LATE ON XX/XX/2015. 
60 DAYS LATE ON XX/XX/2015 90 DAYS LATE ON XX/XX/2015 120 DAYS LATE ON XX/XX/2015 150 DAYS LATE ON XX/XX/2015. 
CHARGED OFF IN XX/XX/2015. 
ANY OTHER DEPICTION ON ANY CREDIT REPORT IS ERRONEOUS, FRAUDULENT, SYMPTOMATIC OF ILLEGAL RE-AGING, A VIOLATION OF THE FCRA AND DODD-FRANK, THE LAW OF THE LAND. 
ACCORDING TO THE FCRA EACH FALSE VERIFICATION, BY A BUREAU CARRIES {$100.00} TO {$1000.00} PENALTIES TO BE PAID THE INJURED CONSUMER REGARDLESS OF INTENT OR NEGLIGENCE. 
ALL VERIFICATIONS BY XXXX  AND EXPERIAN HAVE BEEN ILLEGALLY ERRONEOUS FOR THE ABOVE FACTS REGARDING ACCURATE PAYMENT HISTORY. 
THE ACTION OF THE BUREAUS FROM THIS COMPLAINT MUST ABIDE BY THE ACTIONS DICTATED BY THE FCRA OR FACE LEGAL CONSEQUENCES OF INACTION REPRESENTED BY PAST PATTERNS AND PRACTICE OF DISPUTE RESOLUTIONS.

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 2020-02-04 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: AR

Complaint narrative:
I was in the process of buying a new vehicle due to my family growing. As I was in the dealership I searched for the car I wanted and sat down with the salesman to see what type of interest rate I could get. As my credit got pulled it was almost impossible to get a low interest rate with the maximum of items on my report that are not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$1000.00}

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 2020-02-04 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: AR

Complaint narrative:
I was in the process of buying a new vehicle due to my family growing. As I was in the dealership I searched for the car I wanted and sat down with the salesman to see what type of interest rate I could get. As my credit got pulled it was almost impossible to get a low interest rate with the maximum of items on my report that are not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$1000.00}

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