vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix 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 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: NY

Complaint narrative:
In XXXX, I signed a lease for XXXX XXXX in XXXX, SC. Within the first week and over the course of my 4 month stay, the leaser/XXXX  violated the lease numerous times and put me in a temporary unit without running water and all the window locks were broken and able to be opened from the outside. There was trash in the unit upon walking in the first time as well as no electric and broken/exposed outlets. This temporary move was activated by an immediate and emergency lock out due to a random assigned roommate reported with a gun in the unit. I never was allowed to get my stuff until the report was resolved which took 3 months to finally get access to before I abandoned my lease. I gave the office a letter outlining why I was legally allowed to abandon my lease due to the violations of the leaser. I was given no response until XXXX. Then I began receiving letters from collections for this incident and so I contacted XXXX XXXX to ask why they fraudulently filed a collections report and they said although I have time and date stamped photos and proper documentation of the violating actions of the company, that they will not stop collections because the old manager who has since been fired, falsely documented that my issues were fixed although my documentation proves otherwise. I am a recent college graduate and can not afford to line their pockets with paying fraudulently filed collections claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: IL

Complaint narrative:
Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late US DEPT OF EDU XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I called to inform the credit bureaus about inaccurate inquiries as a result of I never I authorized them. This was in XXXX and I also sent my last letter on XX/XX/2020. Someone had to use my name so I reported them to the burueas ( Transunion, XXXX, and XXXX  ) .I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted all 3 burueas on multiple occasions through phone and letters. The original creditor sent notices to all 3 burueas about this should be removed from my report because I never authorized this and but it still remains on the report. This matter is serious but i am being taking advantage of and my consumer rights are being violated.

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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I began talking to XXXX XXXX on XX/XX/XXXX at Mr. Cooper Mortgage Company ( NMLS # XXXX XXXX about refinancing my home to get a much better rate and go back to 30 years to reduce my mortgage payment. A loan application was started and I emailed requested documents, signed online forms, and paid for an appraisal immediately. XXXX told me it could take up to 60 days. I own a small disadvantaged XXXXXXXXXXXX XXXX XXXX XXXX  and I got the impression they didn't like that I am XXXX XXXX. It didn't matter that I've survived over 20 years when most small business have gone under. It didn't matter that I currently have over a XXXX dollars in purchase orders for work over the next 2 years. I asked for a status of my loan application on XX/XX/XXXX and didn't get a response until XX/XX/XXXX after I asked again. All I got was an email stating " Unfortunately we were unable to get an underwriting approval. The appraisal was already refunded. '' Never received a letter. Mr. Cooper mortgage has unfairly refused to lower my interest rate and wasted my time taking away ability to get a better rate. I owe less than a third on my house and no real reason for rejecting my loan application was given. I feel like this is another attack against a small disadvantaged XXXX XXXX. The rates won't be as low as when my application was in process so Mr. Cooper Mortgage has cost me thousands of dollars due to their discrimination against small disadvantaged businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
XX/XX/2021 Contacted Amsher Collection Serv XXXX Acct Mgr XXXX XXXX, notified him XXXX made a mistake this was never in collection and I paid {$100.00} off last year and closed this account. I asked him to remove this Fraudulent reporting from all 3 of the XXXX XXXX XXXX, he refused, and admitted they are representing XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX who is also collecting this fraudulent debit. I ran my 3 credit reports 6 months ago and thus was not on my credit report. Just this last week, it is now on all 3 Credit Bureaus being reported from the year XXXX, XXXX, XXXX, and XXXX - HOW CAN THIS BE! I sent XXXX  an email regarding all this a week ago and they have never replied, but yet my membership with XXXX  notified me just recent if all this " 7 '' times that it was reported against my Account and Social Security Number. I made a total of 4 calls this morning, all calls to XXXX  were recorded and the 1 call to the XXXX XXXX XXXX XXXX XXXX was also recorded, the female named XXXX from this Law Office was Argumentive and sarcastic polietly and refused to remove this fraudulent account. 

I Notified both Amsher Collection Services and XXXX XXXX XXXX XXXX  XXXX XXXX today that this account was paid off a year ago, and it's on my credit card and never in collections, and requested they remove their fraudulent reporting from all 3 XXXX XXXX XXXX from my Social Security, because the are reporting fraudulently and ruining my credit score that is affecting my credit/ FICO score to obtain Credit. They BOTH REFUSED TO ASSIST ME. 

( I also requested they put all my conversations and the info I'm supplying to them today in the notes of my account for future reference ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: MS

Complaint narrative:
I pulled my credit report and there are hard inquiries that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: NY

Complaint narrative:
Account was paid in full XX/XX/2020. Notified debt collector via certified mail. Still having money garnished monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I put my mortgage into forebearance. After the forbearance ended in XX/XX/2021 the mortgage lender SPS services recalculated the payment at {$1000.00} higher than it was prior to the forebearance. I am unable to make this payment and I fear my house will be foreclosed. I need help for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
" Navient XXXX XXXX '' is what showed up on my caller ID. The Representative 's name is XXXX, he gave an employee ID # of XXXX ( or something similar ). 

He was asking for a " XXXX '' who he believes I know and was attempting to get " XXXX 's '' contact info -- he's tried many times to get hold of her. 

He called from XXXX and left a voicemail but asked for a return call to XXXX. I called back and told him I have no relationship with " XXXX '' and that I've asked in the past to have my number removed from " XXXX 's '' account. I have filed a complaint with the FTC and he said, " good luck, they'll keep calling. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had some fraudulent activity on my report and everything has been resolved. I contacted Equifax on XX/XX/XXXX to remove the fraud alert. They haven't complied to this day. 

I requested again on XX/XX/XXXX to remove the fraud alert, yet they refuse to do so. 

On XX/XX/XXXX I again requested that they remove the fraud alert. They have still not complied. 

I sent a XXXX request to them on XX/XX/XXXX to remove the fraud alert, yet they have failed to do so. 

On XX/XX/XXXX, I sent my 5th request asking them to please remove the fraud alert from my credit report and the refuse to do so. 

On XX/XX/XXXX, I sent a 6th request. Can you guess what happened? If you said that they have refused to remove it you would be correct. 

I don't know what needs to happen and why they have refused to remove the fraud alert from my credit report. What is even worse is that they are allowing inquiries to be placed on my credit report, yet, they are not providing one so how does this work?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-02-04 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Within my credit report under the Landlord-Tenant History there is a judgement. The disposition of the judgement reads : JUDGEMENT WITH RESTITUTION OF PREMISES. The filing date is showing XX/XX/XXXX and the judgement date shows XX/XX/XXXX. This information is inaccurate. There was a satisfaction of judgment filed on XX/XX/XXXX. This information should have never showed up on any of my credit reports. I lived in the said address for 6 months after the original judgement was filed. There was never an eviction yet it appears to look that way when my credit is pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: FL

Complaint narrative:
MY CREDIT FILE WAS COMPLEMIZED BY SOME ONE I DONT KNOW RESULTING IN SEVERAL DELIQUENT DEBTS REPORTED TO MY CREDIT REPORTS. I HAVE REPORT TO THE POLICE NOTHING WAS DONE, I AM REPORT HERE IN HOPE OF CLEANING THOSE ACCOUNTS FROM MY NAME CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. The credit bureaus have not been processing my disputes and it's been several months.

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 2021-02-04 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. The credit bureaus have not been processing my disputes and it's been several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 50 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 ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will like for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Nelnet, Inc.
State: FL

Complaint narrative:
DEPTEDNELNET **** Opened Date XX/XX/2012 Balance {$1600.00} DEPTEDNELNET **** Opened Date XX/XX/2012 Balance {$2000.00} As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
For approximately a {$500000.00} loan, which had both statutory and loan provision arrangements for restructuring, the bank reported unnecessary and harmful reports that it did not have to make to damage credit. It then reclassified borrower into a customer tier that prevents refinancing of the loan, that other customers can do. It then failed to update credit reports that all obligations of customer were in conformity with loan provisions or statutory provisions and instead reported and continued to report delinquent. The loan was also fully cured. The report and treatment and exclusion from products the bank has in place now for other customers with similar properties continues to be denied and extract some {$2000.00} per month in punitive improper interest. This rate penalty and product exclusion have been ongoing for at least two years and continues without redress. The report limits alternatives to this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
There are incorrect late payment on my credit with this company resulting in me not being able to purchase a home that I was already approved for and then went under contract and because of this I can no longer purchase a home and am not without a place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I sent all three credit bureaus information and requested that my previous married name be removed from the credit information. I sent the first letter out in early part of XXXX and nothing was changed. I resent another letter again asking the information be corrected. I then receive another letter along with a copy of the credit report with the same information remaining. 

If they wanted to verify my identity then why not send me a letter for verification but never received any letter to verify the information. I received the latest letter on XXXX from Transunion with the incorrect names and phone numbers not associated to me.

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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Within my credit report under the Landlord-Tenant History there is a judgement. The disposition of the judgement reads : JUDGEMENT WITH RESTITUTION OF PREMISES. The filing date is showing XX/XX/XXXX and the judgement date shows XX/XX/XXXX. This information is inaccurate. There was a satisfaction of judgment filed on XX/XX/XXXX. This information should have never showed up on any of my credit reports. I lived in the said address for 6 months after the original judgement was filed. There was never an eviction yet it appears to look that way when my credit is pulled.

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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Within my credit report under the Landlord-Tenant History there is a judgement. The disposition of the judgement reads : JUDGEMENT WITH RESTITUTION OF PREMISES. The filing date is showing XX/XX/XXXX and the judgement date shows XX/XX/XXXX. This information is inaccurate. There was a satisfaction of judgment filed on XX/XX/XXXX. This information should have never showed up on any of my credit reports. I lived in the said address for 6 months after the original judgement was filed. There was never an eviction yet it appears to look that way when my credit is pulled.

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