vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 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: NY

Complaint narrative:
I sent multiple letters to Experian regarding fraudulent accounts reporting on my credit report and By law these accounts must be removed. I created FTC identity theft reports as well. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, CRA 's must ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I give the CFPB permission to access 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 non-monetary relief
Consumer complaint received 2022-01-25 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: IN

Complaint narrative:
I have attempted to resolve this with both Indiana XXXX XXXX XXXX and TransUnion. The account that I had with XXXX shows open on my Credit Report. however i have verified with XXXX that the account is closed and has been for years. Trans Union refuses to mark this account as closed on my Credit Report. This Account shows as closed on both XXXX and XXXX ( as seen in attachments below )

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 2022-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I need help saving my home from bogus fees, and cost being billed to me monthly by my lender FAY. 
About six months ago I applied for a loan modification ( however, on XX/XX/XXXX I declined offer extended XX/XX/XXXX for {$770.00}. The outcome would have made my payment higher so I declined and continued making my mortgage payments. I was not late when i applied and have not been late since I applied. 
My mortgage statement is currently showing due for {$880.00}, however my regular payments are {$770.00} and I have no late fees or any other fees. 
This lender has sent in writing that my payment has changed from {$800.00} ( XX/XX/XXXX ) to current {$880.00}. 
When I called to address they place the call on hold for hours, and then hang up. I have been working with a Housing Counselor at XXXX XXXX XXXX for XXXX XXXX for the last 6 months and no results with the lender FAY. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
We were under Covid forbearance plan since XXXX XXXX. 

We decided not to continue staying in the forbearance and requested the official documentation of release from forbearance and official reinstatement of our mortgage loan as well as acknowledgment from Freedom mortgage that we are current with our mortgage payment since XX/XX/XXXX. 

We have been paying the regulator payment since XX/XX/XXXX but on the statement said we havent. 

We have been contacting and asking for those documents SINCE XX/XX/XXXX but they never gave us any of documents and just correcting our payments. 

We cant wait anymore. 
We are trying to refinance. 
We need the documents. 
I NEED YOUR HELP!!! 


I added the pictures which we paid so far. But I dont know why, they say we are late for the mortgage payment on the statement.

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 2022-01-25 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: Continental Credit Control
State: CA

Complaint narrative:
Since 2020 I have been receiving bills from XXXX XXXX in XXXX, CA and I've never been able to speak to someone. They had a voicemail set up but nobody ever called back. I've always had Health Insurance and now I received XXXX bills from XXXX XXXX XXXX XXXX XXXX totaling {$900.00}. I do not owe this and nobody is helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: PA

Complaint narrative:
I have reviewed my consumer reports and still find inquires that I did not give Experian written consent to furnish which would be identity theft. I have made this complaint multiple times.

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 2022-01-25 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: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
XX/XX/2022 - The collection agency manager XXXX was threatening not to accept my payments and was XXXX me. She demanded my XXXX info before answering any questions.

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 2022-01-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have the wrong amount reported on one of my accounts and one account that is not mine and one account that I was never late on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: IA

Complaint narrative:
On approximately XXXX XXXX, XXXX, I received a letter from " General Service Bureau IncXXXX '', XXXX XXXX XXXX, XXXX, XXXX, stating that they are trying to collect a debt I owe to XXXX XXXX. The last time I interacted with the medical system was to get a PCR Covid-19 test either XXXX XXXX or XXXX, XXXX, at a XX/XX/XXXX XXXX XXXX XXXX The letter claims I owe {$30.00} from XXXX XXXX, XXXX, but I have no record of XXXX contacting me regarding payment. ( I would have expected a bill in the mail, although sometimes it's difficult to know whether it's what you actually owe or if you should wait for them to sort it out with insurance. ) Today ( XXXX XXXX, XXXX ) I logged into XX/XX/XXXX - XXXX XXXX 's online patient portal - and went to the Pay My Bill section. When I attempted to view and pay any outstanding bills, I received the message " You have no accounts with open balances at this time. '' That indicates to me that I do not owe them any money. 

The letter references a XXXX account number, but when I enter this in XXXX 's " XXXX XXXX '' portal, it says that the information is invalid/account not found. I have not been able to locate an account number for myself at all in XXXX. 

I searched the email I have on file with XXXX and there is nothing regarding billing or payment. I will reach out to UnityPoint about this, but I can't imagine why the person on the phone wouldn't find the same thing I did- I have no outstanding balance. 

It's possible that since I have a generic name, " General Service Bureau '' has the wrong person, but I do not want to interact with this strange company that is possibly a scam. The letter really seems to want me to respond by XXXX, XXXX, XXXX, but I don't want them to know they've reached an actual person because it says " We will use any information you give us to help collect the debt '', which indicates that any response will result in further contact. 

I'm happy to pay my bill to my healthcare provider, but there's no way I'm mailing a check (! ) to a 3rd party company I've never heard of. This situation also makes me concerned about the security of my information with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have paid extra on my mortgage and the extra was to go to my principle and instead they put the money into escrow and suspend payment. They are now saying I owe over 7,000 on my mortgage. I have attached a copy of my last mortgage letter. Now they are saying I am delinquent. It was a construction loan and they did not accept my payments

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 2022-01-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I want the servicer of the first and second principal balances to provide me with the 2 truth in lending disclosure statements used to submit the {$250000.00} payoff statement provided to the title company for the sale of my property in XXXX XXXX Include payments made to XXXX XXXX before the foreclosure of my property in XXXX XXXX Include payments made to XXXX XXXX for the {$140000.00} unsecured debt collected for credit cards discharged in bankruptcy for payments that include the principal pay off of credit cards included in the XXXX XXXX second mortgage Use the {$57000.00} paid to credit cards included and paid in the mortgages to pay the foreclosure balance on my duplex Include escrow payments and interest paid to 3 properties serviced in the 2 truth in lending disclosures I signed to payoff {$290000.00} in XXXX. 

Explanation of {$230000.00} loan disbursement in XXXX, to whom it was paid and the source of the funds. 

Explanation of {$270000.00} new loan set up in XXXX for the money 1 ) had already paid 2 ) was not given to me 3 ) paid a foreclosure balance of property I lost 4 ) discharged in a superfluous bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
This is for Suncoast Credit Union account # XXXX. To list the details of the account, it says there was a credit limit of {$1000.00}, date opened was XX/XX/XXXX and last status was XX/XX/XXXX. I have never opened a Suncoast Credit Union account and it's stating that I owe {$910.00} and that its Charged off. This is fraudulent, this is affecting my character, my livelihood and its against the law to report this to my report without my say so under 15 USC section 1681b- permissible purposes. I have already sent out certified letters to all 3 bureaus to support my case and will be monitoring this closely. I need this negative inaccurate information off my report immediately as its holding me back from doing things to further myself. Please remove this or I will pursue in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I received an alert via my credit monitoring that my credit score dropped XXXX points. After looking at my credit report, I see that there is a negative account named Monterey Collection services that was reported to XXXX as a " charge off '' on XX/XX/XXXX in the amount of {$2500.00}. I at no time received any mail correspondence indicating that this account was in collections. After calling Monterey and speaking with XXXX XXXX XXXX on Monday, XX/XX/XXXX, she is telling me that they did send mail correspondence along with emails regarding this account. After looking through my email inbox and junk inbox, I did find ONE email that was in my junk folder dated XX/XX/XXXX stating that the above amount is due and that " you are hereby notified that a negative credit report reflecting on your credit record MAY be submitted to a credit reporting agency if you fail to fulfill the terms of your contractual obligations. '' So, I received notification that the account MAY be reported to the credit reporting agency 17 days AFTER it had already been reported to XXXX! I was not given the opportunity to rectify the debt on my own before they reported it to transunion which negatively affected my credit report. After speaking with XXXX XXXX on Monday, XX/XX/XXXX, and asking to have the negative account removed on the condition I set up a payment plan with them, she responded that it will stay on the report until it is paid in full. After requesting a breakdown of balance owed and fees, I am disgusted by the almost {$1000.00} extra added on to the original balance in " fees '' ... as I have a requested email with the breakdown from XXXX XXXX, stating the original balance : {$1500.00} ; 35 % collection fee : {$550.00} ; Late charge : {$380.00} ; XXXX 10 % : {$39.00} ( AS OF XX/XX/XXXX ). So, essentially, I have to pay them a disgusting amount in extra feed AFTER they already tarnished my credit report, without giving me the opportunity to rectify the debt beforehand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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.

Complaint narrative:
XX/XX/XXXX Creditor : XXXX Amount : {$890.00} Collection Agency XXXX XXXX XXXX sent to my parents home address in North Carolina. This is my US address and I moved to XXXX with my husband and family in XXXX Sent all documentation of proof of my XXXX address, Passport, Permanent Resident Card, Utility bills and followed XXXX  ID Theft Claim Process as was advised Called all three credit agencies and out a fraud alert account Spoke to someone at FTC, but was not able to file a report or police report due to be in XXXX and no idea who has my Social Security number I was given information that the address was used XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Illinoisn XXXX for the months of XXXX XXXX ( I have lived in XXXX, XXXX, XXXX XXXX and bought my home in XXXX ) XX/XX/XXXX spoke to XXXX and was told XXXX was cleared up, however, it still appears on my credit agencies list of debts and is affecting my credit rating. 
XX/XX/XXXX Creditor : XXXX XXXX Amount : {$650.00} Collection AgencyXXXX XXXX Letter sent to my parents home address in North Carolina , I called XXXX XXXX and explained the situation, they asked me to fax over proof of my address in XXXX and ID documents etc, which I did. I also sent the XXXX information. 
XXXX XXXX made me aware it was the same address in XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought I had taken all steps to recify this situation. I was not able to file a police report. I do not live in the US. I live in XXXX and it has been Covid. I have no idea who is commiting these crimes. I called all three credit agencies and the FTC and put all alerts on. However, in XXXX of XXXX, I just recieved a new collection notice. 

XX/XX/XXXX Creditor : XXXX XXXX  Amount : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX A letter was sent to my parents house in North Carolina in XXXX, XXXX addressed to me. 
I called XXXX and they made me aware this was the SAME address in XXXX ... this person is still using my Social Security Number for over 2 years to open accounts. 
They opened XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX. 
The address is XXXX South XXXX XXXX XXXX  XXXX, XXXX IL XXXX I called XXXX and let them know. 

Can you please help me?? This is severly affecting my XXXX XXXX I want to cancel my Social Security number.

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 2022-01-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: GA

Complaint narrative:
I have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.

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 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 I noticed suspicious activity on my checking account that was NOT me. I was immediately alarmed because 1 ) it was the holidays and I know scammers target people around this time and 2 ) I had two friends who this just had just happened to in recent weeks. It was after hours but I called Chase anyway. I was told the Claims department was closed and I would have to call back in the next morning but in the meantime I could lock my debit card. I locked my debit card and then continued to go through my account to make sure every other transaction was me. Also, please note, again it was the holidays so I had multiple transactions in dollar amounts far larger than these XXXX transactions so I didn't anticipate a problem with getting my money back. The transactions involved were a {$31.00} debit at XXXX XXXX In in XXXX, TX and {$62.00} at a XXXX XXXX XXXX XXXXt in XXXX, TX. Also, please note I have no idea where XXXX is and I do not go to XXXX. NONE of my other transactions were in either of these cities. Initially Chase gave me the money back and proceeded with an Investigation. Today, XX/XX/2022, I received a letter stating they concluded their investigation and they would be debiting my account for the total {$93.00}. When I called to speak with someone, I was told these transactions were done with a chip card and chip cards can not be duplicated so it had to be me. Well, it wasn't. And that was the only due diligence they had done. Chase is willing to let my XXXX XXXX XXXX checking account walk out of the door because they believe chip cards can not be duplicated. Well that's not accurate. Chip cards can absolutely be duplicated and a simple google search would tell them that. I have never had an issue with Chase reimbursing me when it came to fraud but this is ridiculous. I was not in either of these cities. My card was clearly cloned. Again, I had other transactions for far more than these XXXX. I had no reason to make up a story about just these XXXX. They need to be reported because they are stealing my money and standing on what they believe to be true, that these cards cant be duplicated. Scammers can duplicate anything.

Company response to consumer: Closed with monetary relief