vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-08 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: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
Amerihome mortgage reported that I paid more than 30 days late for the month of XXXX. I believe this is incorrect. The late payments were caused by an increase in escrow payments which I was not aware of because Amerihome did not provide me with an escrow analysis as required by CFR 1024.17. After speaking with an agent on XX/XX/2020, it was determined that my address in the system was incorrect. By the time of my phone call, I made payments of {$660.00} on XX/XX/2020 and XX/XX/2020. 

According to the agent, only {$660.00} remained the suspense account because Amerihome sent the {$660.00} made in XXXX back to me [ company policy is short payments held greater than 5 days will be sent back to borrower. ] However, this payment was returned to Amerihome because the address was incorrect, which I believe corroborates the fact that I did not receive an escrow analysis. I asked the agent if he could apply both payments to the loan in order to make it current. He could not but requested that they be applied. 

I called again on or about XX/XX/2020 and spoke to an agent who said they would allow me apply both payments to the loan, but I would need to pay the an additional {$120.00} to cover the escrow shortage make the account current. I paid the amount as requested. However, I received a call from Amerihome on or about XXXX XXXX that the account was still delinquent. I immediately paid {$780.00} as requested and was told that they XXXX payment in the suspense account was mailed to me on XX/XX/2020. As of the date of this dispute, I have not received any refund from Amerihome. 

The payment made in XXXX has been held by Amerihome since XXXX XXXX. After it was returned to them, it should have been applied back to the suspense account and my account should have been credited on XX/XX/2020 when a full payment was received as required by 12 C.F.R. 1026.41. Keeping a customers money for a month without credit to his account is unacceptable. 

Also, it is important to note that the new payment of {$780.00} required by the escrow analysis was to start in XXXX. However, I paid the previously required amount of {$660.00} in XXXX and XXXX, and my account was not deemed to be short. No Amerihome agent could explain why it was considered short in XXXX. 

The facts above can easily be corroborated as the phone calls between myself and the agents were recorded, and they have my payment history. Given the circumstances of all that transpired, it is not unreasonable to have the late payment removed from my credit report and the late fee removed from my account. I have paid consistently since the inception of the loan, and I would have paid the new amount if I had received the escrow analysis as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
My homeowners insurance expired on XX/XX/2020. I received a notice from XXXX that my mortgagee failed to pay renewal premium in which I pay for monthly in my mortgage payment. The notice states that if I dont pay the past due balance I will lose coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have been behind on my payments for a while now. My family experienced a medical emergency that cost us a large sum of money. A XXXX, and XXXX  were needed, and we could only afford so much. As soon as I got some money together to start catching up I called Synchrony bank, whom I have a care credit account through to try an settle my debt. I called XX/XX/2020, two times and spoke with offshore representatives who refused to discuss settlement options with me. I called again today XX/XX/2020 to try and make a payment, and was told initially a settlement option of {$900.00} was available. The representative told me after some time on hold that it was not available now. I asked her if she had spoken to a specialist, and she said that she could not get through to them. She told me that a letter had been sent to me offering a settlement, but I hadn't responded in time, but the two previous agents said that a settlement was never an option. I never received a letter offering XXXX as an option. I felt as if I was getting the run around especially since I had just settled an account with Lowes ( also a synchrony account ). How could the same bank say I qualified, but also say I dont qualify, but also say I do qualify, but that they were now not offering the settlement. It is depressingly embarrassing to be in debt, and I am not trying to run from this debt. I'm trying to settle it. I'm doing the best I can, and I'm willing to work with them, but for some reason the care credit representatives can't give me a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: OR

Complaint narrative:
In XX/XX/XXXX my employer received a phone call from ACSI inc needing to verify I worked there. I received a call from my corporate office stating that a collection agency had contacted them and that I needed to contact them and tell them I can not receive calls at work. I immediately contacted this company that same day and asked who they were and what this was pertaining to. The Woman who answered the phone did not respond with a company name only stated this call is being recorded and would not give any information as to the name of the company. She repeated what is your name and how may I help you I stated that you called my employer who is this she then stated the company name and said she was a collection agency. She wanted my name and ss number to verify who I was. I declined giving that information and demanded that she let me know what this was regarding. Finally after arguing and demanding that she look up my name only she stated that this was for a student debt. I stated I have never had a student loan and demanded to know why they contacted my employer before ever contacting me. She stated that they have every right to contact my employer or go about any means to contact me to recover the money is for this debt. I told her to see if and desist from all communication they were not to contact myself any family members my appointment ever again this was not my debt they have the wrong person. 

A few days later I received for the first time a letter in the mail from ACSI. 
Attached was an acct # and paperwork stating that I am outstanding student loan from XXXX. 

Again I have never taken any student loans out nor have I ever attended any college or university which would require me to have needed to take out student loan. 

Now XXXX  on behalf of ACSI is threatening to withhold wages. I have sent a demand letter requesting proof of any documents showing validity of any student loans taken out. No response as of yet. 

Each direction I turn to runs me into a dead end. Contacting university XXXX XXXX which is the school the funds apparently went to. University XXXX XXXX verified that no classes were ever taken and completed by looking up my name and social security number. 


They directed me to speak with the debt counseling dept regarding this and she opened up a dispute case # XXXX. 

My only assumption is this may be a case of identity theft. 

My main concern is is this collection agency will continue to try to go forward with this without providing any validity. I have been reading that this particular collection agency garnish his wages even when there is no proof of a valid debt. 

They are devious and underhanded and will not stop at any cost simply to collect on a debt they probably paid pennies on the dollar for. 

This is not my debt!!!! I want this nightmare to stop!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: NJ

Complaint narrative:
have a mortgage on my account that has negative information I never had a mortage in XX/XX/2019 nor the years on my credit report. XXXX XXXX  XXXX I never was late. Its weird how they are reporting different information on each credit report. I read that the ftc said that its against the law to add inncorrect information on a persons credit report. Its against my rigths to report inncorrect information. Lead bank also reported me late.too. I work hard to keep my credit good. Lead bank and XXXX XXXX XXXX are reporting lates thats not correct. 

please remove these incorrect information from my accounts I was never late

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 2020-03-08 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: OH

Complaint narrative:
I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: CORELOGIC INC
State: OH

Complaint narrative:
I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) 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 2020-03-08 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: LEXISNEXIS
State: OH

Complaint narrative:
I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
have a mortgage on my account that has negative information I never had a mortage in XX/XX/2019 nor the years on my credit report. XXXX XXXX XXXX I never was late. Its weird how they are reporting different information on each credit report. I read that the ftc said that its against the law to add inncorrect information on a persons credit report. Its against my rigths to report inncorrect information. XXXX  XXXX   also reported me late.too. I work hard to keep my credit good. XXXX XXXX and XXXX XXXX XXXX are reporting lates thats not correct. 

please remove these incorrect information from my accounts I was never late

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 2020-03-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX put several lates on my account. I had automatic payments scheduled. They are such a large company. I called several times and they said that they would update my account and apologized for the late reporting and they would correct. Now its been several weeks and no respose not even a letter to update. I contacted the credit bureau and they never even sent us a letter with the status its been over 3 months, I need help with this. I pay over 2500 a  month at XXXX XXXX. They are amazing with service and I feel that they overlooked my requests. I have auto matic payments please help to update my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: OH

Complaint narrative:
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. 
Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2020-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: NJ

Complaint narrative:
XXXX XXXX put several lates on my account. I had automatic payments scheduled. They are such a large company. I called several times and they said that they would update my account and apologized for the late reporting and they would correct. Now its been several weeks and no respose not even a letter to update. I contacted the credit bureau and they never even sent us a letter with the status its been over 3 months, I need help with this. I pay over 2500 a  month at XXXX XXXX. They are amazing with service and I feel that they overlooked my requests. I have auto matic payments please help to update my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: OH

Complaint narrative:
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. 
Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: OH

Complaint narrative:
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. 
Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2020-03-08 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: MI

Complaint narrative:
I have sent numerous letters to XXXX XXXX  and the credit bureaus XXXX, Equifax and XXXX.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: Innovis
State: OH

Complaint narrative:
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation