vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
South State Bank Mortgage Negligence for XXXX  and XXXX XXXX XX/XX/XXXX We received an annual escrow account disclosure from our Mortgage Lender, South State Bank, XX/XX/XXXX. The statement indicated that our mortgage payment would go up {$200.00} a month due to low balance in our escrow. We called the same night and spoke to a representative and determined that the Escrow department significantly under estimated our homeowners insurance, even though they had a copy of our homeowners insurance statement from our closing in XX/XX/XXXX and a recent adjustment to our homeowners insurance. It was determined that South State was at fault. 
We called the next XXXX XX/XX/XXXX XXXX and spoke to supervisor XXXX  and I asked for a letter stating XXXX XXXX XXXX an error in their projection. She assured me a letter would be sent to me. 
On XX/XX/XXXX We made a payment to our escrow account of {$1400.00} to keep our mortgage payment lower. 
On XX/XX/XXXX we still had not received a letter. I called XXXX I called South State Mortgage Servicing department and spoke to supervisor XXXX XXXX XXXX XXXX and she assured me the same letter would be sent to use within 3-5 business days. 
On XX/XX/XXXX, we noticed the escrow payment was sent to our principle. So, we called South State to correct the error and they assured us it would be corrected. 
On XX/XX/XXXX, we received a Mortgage payment statement and the escrow payment had not been resolved. We also received a letter stating the escrow shortage is under review. This is not the letter we requested. We requested and two supervisors stated they would in fact send us a letter stating the escrow projection was in error. We called the mortgage servicing department the evening of XX/XX/XXXX and spoke to supervisor, XXXX. She said she saw the error where the additional escrow payment was applied to the principle and would immediately correct it. She also stated she would inquire about the letter and call me back. 
XX/XX/XXXX. As of this morning none of the issues have been resolved and XXXX never called us back. 
We consider this Mortgage negligence and will be seeking counsel. 
XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have called the bank and let them know I never gave permission to be added as an authorized user on this account. This false reporting is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau as well to have this account removed however, I have not been successful.

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 2021-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Although significant medical impacts and telephone impacts at the same time no mitigating circumstances allowed or consider XXXX YOU and no dispute or consideration! Note all outstanding creditors have been addressed and to date with 90 % paid XXXX balance and the other two current are in dispute and negatives challenged for years NOT CORRECT or addressed -FACT- to date! And still me and my wife 's credit report is at XXXX and hers significantly under ; respectfully. What a farce. To boot- as mentioned so many times- the disputes have NOT been resolved because as I mention in my opinion the bias toward the lenders and the lenders NOT providing what I requested and reply they are " working on it '' ; HA! Opinion financial hostages to a system and organizations that just do not give a XXXX and utilize for reporting incorrectly information provided by the lenders can not be disputed even though they will write pages explaining their position. Opinion- all fluff CYA! As for the CFPB brothers in the same cause - useless farce.

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 2021-04-16 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX  and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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:
Equifax and XXXX  should not be reporting the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account did not appear on my previous credit report however, it is appearing now. This account does NOT belong to me and is reporting in error. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of an account that has a collection/chargeoff that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/2021 I opened a dispute with Transunion regarding information being incorrectly presented in my credit report. The account in question was an account from XXXX XXXX XXXX XXXX which was showing as Charged off, with balance due in full. This account had been paid down thru a Collection Agency after being negotiated, but this was not showing on the report. Less that 4 hour later I received notification that Transunion had resolved the problem by deleting the account. However, by deleting and not fixing the information as requested they impacted by Credit Score by XXXX points ... a drop of XXXX points! To this day Transunion has not been able to provide a proper explanation as to why this happened, even thou they indicated it should not have happened ... the account they deleted was a derogatory account which pulled down my score!!! 
You can imagine the potential financial impact the action taken by Transunion could have on any loan, credit card, and job search I decide to embark, which is why I need this resolved ASAP. I worked hard to get my credit in check and to improve my score just to have Transunion throw away all that effort with their mistake

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 2021-04-16 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:
XXXX  and Experian should not be reporting the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account did not appear on my previous credit report however, it is appearing now. This account does NOT belong to me and is reporting in error. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of an account that has a collection/chargeoff that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Between XXXX and XXXX of XXXX an individual attempted/suceeded in opening several accounts using my maiden name and previous address ( I was given this information by the fraud department of one of the accounts that was opened ). I was able to close two of the accounts and receive fraud letters for future reference. An account with XXXX XXXX XXXX was successfully opened fraudulently using my maiden name and social security number and previous address, this account apparently went delinquent and was sold to debt collectors. I have tried to reach out to XXXX XXXX XXXX and they can not find an account with my correct information and basically cut off the calls. I have never received any correspondence from MRS BPO ASSOC. XXXX XXXX XXXX XXXX XXXX, NJ XXXX in regards to this collections so that I may dispute it and forward it to law enforcement as well as an attorney. They have reported this collection on my credit reports, I have disputed this with the credit reporting agencies and have had it removed from two reports. This is straight up fraud, I have worked hard since my husband passed away in XXXX of XXXX to maintain what we had. This has caused me a lot of stress and undo time spent trying to remove this. There has been a fraud alert on my credit reports since I discovered this, as well as a credit freeze. XXXX XXXX XXXX opened a fraudulent account using my maiden name and social security number and they have sold it to debt collectors something needs to be done about this. I have had the same cell phone company for over ten years and it has been current. This needs to be removed from my name, it is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 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: IL

Complaint narrative:
I am not the originator of the enclosed information on my credit report. 

INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX/XXXX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized

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 2021-04-16 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX  and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: IL

Complaint narrative:
I am not the originator of the enclosed information on my credit report. 

INQUIRIES XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2021-04-16 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Collection Account : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) Account # : XXXX Balance : {$470.00} This is a formal complaint against the collector Portfolio Recovery XXXX XXXXXXXX. I have been disputing this account directly with the collector and they have claimed that I have NOT provided new information which is to form basis for a new investigation, when in fact, I have indicated specifically on every letter that I've sent them what I wanted as part of their legal duty to do a reasonable investigation of this debt. 

In the first letter that I sent, I have asked them to validate the account, they responded with insufficient documents stating the amount that I owe without all the other documents I have asked them to provide such as a proof of my identity, proof that this account has not been written off as a tax liability. And prior to reporting this debt to my credit report, I have never received a notification from this company of planning to report this account. They never sent me that proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Although significant medical impacts and telephone impacts at the same time no mitigating circumstances allowed or consider XXXX YOU and no dispute or consideration! Note all outstanding creditors have been addressed and to date with 90 % paid zero balance and the other two current are in dispute and negatives challenged for years NOT CORRECT or addressed XXXXFACT- to date! And still me and my wife 's credit report is at XXXX and hers significantly under ; respectfully. What a farce. To boot- as mentioned so many times- the disputes have NOT been resolved because as I mention in my opinion the bias toward the lenders and the lenders NOT providing what I requested and reply they are " working on it '' ; HA! Opinion financial hostages to a system and organizations that just do not give a XXXX and utilize for reporting incorrectly information provided by the lenders can not be disputed even though they will write pages explaining their position. Opinion- all fluff XXXX! As for the CFPB brothers in the same cause - useless farce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TX

Complaint narrative:
Experian has negative record of no child support paid since XXXXXXXX XXXX OAG has requested this to be deleted. I have sent Experian proof of all payments from XXXX I sent Experian a letter from XXXX OAG stating I am current. I have submitted 3 disputes and still unresolved. 

Please help.

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 2021-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I keep getting calls from Comenity Bank " Ultimate Rewards '' for my sister. I tell them this is not her number but they call back anyway. 
Today I finally lost it on the lady and asked her how she got my number to begin with. 

She said they use " XXXX '' that will call all the " potential '' friends and family of a person they are trying to reach in order to find them. Then she had the nerve to ask me for her phone number. I told her to do her job and find it herself. 

How is it okay for a company to use bots to find and call frends and family of people they are trying to reach. Not only does that create conflict for the friends and family, but it also semi is a privacy concern for that person as everyone knows what " a business matter '' really means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 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: NY

Complaint narrative:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation