vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Evergreen Recovery Solutions, LLC
State: WA

Complaint narrative:
Evergreen Recoveries XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX To whom this may concern, XX/XX/XXXX This letter is in reply to your recent Investigation Results from XXXX & XXXX. Where the two Account Investigations of each identical account information are simply incomparable. Where the following list of Accounts have been Deleted by XXXX ; File Number XXXX : See addendum # 1, 2 pages. 

While XXXX  reports ; Credit File Confirmation # XXXX : WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS UPDATE *BALANCE * BALANCE DATE. See addendum # 2, 4 pages. 

I call your attention to the FCRA where it reads in Section 609. Disclosures to consumers [ 15 USC 1651f ] ; ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. 
In addition, the National Consumer Law Center describes in : Fair Credit Reporting, 6th Edition : 4.2.1 ; The concept of accuracy is an objective one 57. A consumer report either is or is not accurate. If it is accurate when prepared a certain way, it will always be accurate when prepared that same way. ( 57 Cushman v. Trans Uion Corp., 115 F.3d 220, 225 ( 3d Cir. 1995 ) ( defining accuracy under the FCRA in an objective manor ).

Simply said, if the account information presented here is Unverifiable, Inaccurate, Incomplete or Misleading with XXXX. It can not at the same time be Verifiable with XXXX. Where they propose that We have verified that this item has been reported correctly. Only to then list the Modified status of each account in the next sentence. 

Clearly Evergreen Recoveries is not responsible for the Information being collected and sold to Creditors by XXXX. However, Evergreen is responsible for Deleting these accounts from your files, with prejudice. 


Regards, XXXX XXXX XXXX CC : CFPB WA Dept of Licensing File

Company response to consumer: Untimely response
Consumer complaint received 2021-08-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I had a bankruptcy that was recently removed from my credit history. While my credit ratings with two agencies went up slightly, my credit rating with EQUIFAX FELL by 79 points in one day. The web site indicates that the ONLY CHANGE to my credit report was the removal of this bankruptcy. I have tried to contact them and have been unable to get an answer as to why this has happened. This could seriously damage my ability to obtain a mortgage and I believe that it is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I requested a debt validation letter from XXXX XXXXXXXX XXXX  Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing it.

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 2021-08-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX  XXXX XXXX ) XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Equifax XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled the items I dispute on the attached copy of the report I received. The information XXXX  XXXX XXXX XXXX XXXX, Equifax Information Services LLC and XXXX  XXXX XXXX XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

I have currently snap shots on my phone displaying inaccurate credit score ratings XXXX  is rating my credit score at XXXX, XXXX  rates my credit at XXXX and Equifax rates my credit at XXXX. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CITIBANK, N.A.
State: UT

Complaint narrative:
CBNA is reporting a debt on my credit file that needs to be removed. I have been dealing with them for some time over this account and I can't seem to get anywhere. I purchased a laptop with Best Buy and we set up a payment arrangement to get it taken care of but I returned the laptop because I did not like it. I never was told I was setting up a credit card or that I had a credit card with Best Buy, I thought I had set up a payment arrangement. When I returned the laptop it was within the time frame for returns and thought I no longer had to make payments-the laptop was returned. Well I checked my credit and noticed a charge off? I have called both CBNA and Best Buy and neither can tell me where this debt is coming from or can find an account saying I owe anything. However, this continues to pop up like a charge off and affecting my scores. I do not owe anything, this is a mistake and this needs to be fixed immediatley.

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 2021-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
End of lease, made last payment and they stopped reporting to credit companys and removed the account all together. 

Therefore causing inability to purchase my lease buyout due to this missing three year tradeline. 

To resolve this matter I reached out to the finance company to have my auto tradeline reinstated. I was then advised that the finance team would submit the request to be updated on both leasees credit report within 7 days if it is not we can do a lease extension. She advised to call back in 1 week.

5 days later, I received a pick up/hang up from the finance department. Moment later got an automated message stating theyre trying to contact me and to return their call. I called them back that moment and I was then inquired about my decision with the car but I had already advised them 5 days prior that I planned to retain the vehicle. At this point financed advised me that in order to retain my vehicle I would be required to pay last months and future months car payment in addition to fees claimed I incurred with my account being frozen totaling approximately XXXX. In order to resolve the matter I offered last months payment plus {$100.00} in fees. XXXX after making said payments I was then told there was another error and I actually owed over {$800.00}. To which she responded that she made an error and that over {$800.00} was due. As of today my account reflects the {$500.00} payment however I have a new balance of {$720.00}. With the balance of {$800.00} like she had mentioned after making my {$500.00} payment my balance should be {$300.00} but it states I now owe {$720.00}. 

At this point in time the credit reporting agencies were still not reflective of this my three year history on this tradeline. My goal in reaching out for assistance is simply to have both mine and my fiancs credit reports updated and to retain my vehicle at the contracted price without all the additional fees being claimed I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB Management Service has removed the scheduled date that this account is scheduled for removal from their entry, or the date of first delinquency, listed on my XXXX  Credit Report. It appears that NCB Management Services is re-aging debt that is now past the California statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
My name is XXXX XXXX and I was a victim of Ocwen mortgage fraud and wanted to see if you still handled these cases? I see that Ocwen lost a case with 23 states on mortgage fraud, Case Number : XXXX Due to the housing crises and loss of job and being force to take a job at another company with far less pay, I was working on modifying my loan with Ocwen before 2013 to keep my home in XXXX, Florida. eventually, I actually left my wife and kids and was forced to move to another state to make enough money ( according to Ocwen ) to Modify my loan. I was told everything was moving forward, up until the last week before foreclosure, when Ocwen stopped taking or returning my calls and emails and let my house go into foreclosure. I found out later that Ocwen told the court that they offered to modify my loan and that we refused, this never happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: PA

Complaint narrative:
Despite the multiple previous written requests in Equifax Credit Bureau, the unverified inquiry listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the inquiry that needs to remove from my report immediately. 
XXXX XXXX XXXX-Date of inquiry XXXX XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The mortgage servicer I've had for the past year, XXXX, suddenly transferred my mortgage to PHH without any notice. Neither company sent any type of correspondence regarding this change. I only noticed the issue when my regular payment was not debited on the regular date. After checking XXXX 's website, it showed my loan was " paid off '' but had no other details. 5 days later on XXXX XXXX, 2021, I see a new mortgage company has debited from my bank account without ever giving me notice of this transfer of information ( including my banking information! ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called to obtain information about the debt. We negotiated a settlement amount. I told them I needed to pay the amount over time and that I would contact them in two days to move the process further while I looked for ways to raise the funds. During the call they obtained my bank account number. 

They contacted American Express and paid the settlement amounts in my name without my consent. I had no agreed to the settlement. They then attempted to charge my bank account for the settled amount in full. The payments were declined by my back and I incurred two overdraft charges. 

I do not know if American Express has settled the debt at the amounts they attempted to charge. I have no idea what is going on. There was no structure to the call. It did not follow any of the standard legal procedures or language that I have encountered in other calls like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIGY USA CORP.
State: NJ

Complaint narrative:
On XX/XX/XXXX : My pandemic stimulus money held at XXXX  XXXX XXXX ; in which would also be unlawful-to take away stimulus money through their levy. 

This would be based on a prior judgement entered in the amount of {$13.00}, XXXX. XXXX plus taxed costs. 

This amount was supposedly a XXXX credit card that I had when I was previously employed there. However ; during the recession when jobs were lost in XXXX ; I had credit protection. 

Therefore ; there should be no outstanding bill. 

I notified XXXX and sent them proof of credit protection charges on my statements. XXXX states that a third party bought out the said amount account and that they have nothing to do with the outstanding bill. 

Main Street Acquisitions XXXX XXXX would be that 3rd party. Harassing and fraudulent he is. I faxed them proof { XXXX - XXXX } of credit protection charges on my statement as well. No response in 30 days. And no response until now ; when they levied my stimulus money from my bank account. 

According to a past complaint on XXXX XXXX XXXX  : Main Street is a passive account owner and does not make any direct collection attempts. A third party law firm working on behalf of Main Street obtained the judgment. 

The lawyer in my case would be XXXX XXXX XXXX XXXX, Such, XXXX XXXX XXXX. 

And even even if the above statement was true ; XXXX XXXX - debt collector is handling accounts as if direct collection attempts - would be directly from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX-Balance : $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXXDate Opened:XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : XXXX XXXXDate Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation