vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: SC

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : Inquiries : XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX EMPLOYER : 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 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I received a notification this morning from my credit alert that a new account has been reported on my credit file. It states that I opened the account on XX/XX/21 but I was out of the country on this date. I have flight and hotel receipts to confirm I was in XXXX celebrating my birthday. 

When I called the company the representative spoke very little XXXX and kept asking me to make a payment while overtalking me. Would not verify any of my information, who the debtor was, just kept asking me for credit card information to make a payment. We are in the middle of buying a home and my credit reports have been frozen for a year. They were just unfrozen Monday and a new debt collection was reported today. 

From what I can see on XXXX the account holder is National Credit Adjusters , LLC the account number is listed as XXXX. It states it is a collection account with a past due balance of {$480.00} opened on XX/XX/21. The Original Creditor says The XXXX XXXX XXXX but I have never lived in Missouri

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
When applying for my Capitol One XXXX credit card, I was under the impression due to false advertising that I would receive credit increases. On both XX/XX/2021 and XX/XX/2021 I was denied a credit increase. I am a loyal and responsible customer. I spoke with two representatives, one whom is a supervisorboth were no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX, I am submitting this complaint to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of Identity theft

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 2022-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: DE

Complaint narrative:
New American Funding has called me 5 times in the last 2 days about refinancing my home. One the initial call at XXXXXXXX XXXX, yesterday XXXX. I advised the company that I was not interested in consolidating my mortgage at this time. The continued to call : XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX I was told on the XXXX XXXX call, my number was in a auto-dialer and would be removed. However, this is a new day and I am still receiving calls from them. I advised the last woman, that even if I would consider a refinance I would never go through there company because of this practice and that I would be reporting the offense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: SC

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
On XX/XX/22 contacted XXXX XXXX of PennyMac regarding a streamline refinancing. He discussed the requirements and took application. I informed him wife XXXX need to be on application because we were joint tenants. On XXXX I again sent message stating wife needs to be on loan. On XXXX I was called by closer XXXX XXXX XXXX and she stated she needed my wife 's information. I provided and vented about the process. I asked why the company did not ask for documents up front and not as they go along in the process indicated it was frustrating to the customer. I was told she would schedule closing in the next 48 hours. On XX/XX/22 I sent a request to XXXX XXXX XXXX and asked why was the loan origination over {$6000.00} on a VA XXXX refinance he never answered my question. On XX/XX/22 the loan closer XXXX XXXX called my wife and told her XXXX XXXX XXXX called her and said PennyMac could not do the loan because my wifes 's credit score was too low. I called and questioned XXXX XXXX and asked why performed a credit check and there was not a requirement to do so on a VA XXXX  refinance. He responded PennyMac does not accept loans unless credit score is a at or above XXXX. I asked why was you not upfront and did not state PennyMac had additional requirements to a VA XXXX  refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield is harassing me, lying on me saying i gave them permission to contact me, when last year i told them directly and i think filed a complain with the CFPB to not contact me. Every time i called this company after that they told me i have to Rescind my communication with them to speak with them which i never did which always results with them hanging the phone up on me. We can get them to forward all the phone calls from my number XXXX to further verify what im saying. They claim they have a debt in my name, and not once did they sent me any type of information about this claim. They were reporting a collection on my credit report for months not verifying anything. I disputed this with XXXX, after three attempts they remove this collection. Now this has been removed Hunter Warfield literally lied stating that i gave them permission to contact me. where is the phone call, or email stating that. i haven't been in contact with this company since the last time they hung up on me. So this is crazy to me a company would stoop this low to harass me. I am not taking this lightly this is definitely fraudulent, and unprofessional behavior. Attached is the email i received on XX/XX/2022 from Hunter Warfield office

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: LEXISNEXIS
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX, I am submitting this letter to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
On Wednesday, XX/XX/XXXX, I retrieved a letter from the mailbox sent from Credit Collection Services in regards to a past due balance from XXXX XXXX. I was insured through XXXX for many years until XX/XX/XXXX. Effective XX/XX/XXXX, a new auto policy was written and put into place by XXXX due to much cheaper premium.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACCESS GROUP INC.
State: FL

Complaint narrative:
This loan is from XXXX when I was going to XXXX XXXX  XXXX XXXX XXXX The loan is now over 21 years old. Unlike Federal loans which I was able to put into deferment, forbearance, & income-based repayment, the private loans basically only allowed me 6 months of unemployment or income based deferment during the whole life of loan. I actually first defaulted on these loans like 15 years ago. I expected to possibly be sued then. I was making payments of a bare {$50.00} a month at times over the last 15 years, but because I have become XXXX over the last XXXX to XXXX years as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have had my federal loans dismissed under XXXX XXXX diagnosis. Meanwhile, this loan company has decided to sue me now for these loans in XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i usually pay my bills when i receive my statements in the mail, i never received a statement for this account with my update bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am aware that Midland Credit Management has violated my federally protected consumer rights which has caused me anxiety, mental anguish, defamation of character and my reputation. I received a letter in the mail from Midland Credit Management stating that I owed a debt of {$610.00}. Pursuant to 15 USC 1692b ( 2 ), a debt collector can not state that such consumer owes any debt. A debt collector pursuant to 15 USC 1692a ( 6 ), means any person who uses any instrumentality of interstate commerce or the mails in any business the. principal purse. of which is the collection of any debt, or who regularly collects, or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Pursuant to 15 USC 1692c, I never gave Midland Credit Management prior consent to communicate with me regarding any alleged debt. Pursuant to 15 USC 1692a ( 7 ), I never gave Midland Credit Management the authorization to obtain my location information which lets me know that pursuant to 18 USC 1028, Midland Credit Company possessed an authentication feature with the intent such authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used which constitutes to fraud pursuant to 18 USC 1028A . Pursuant to 15 USC 1611, Midland Credit Management is criminally liable for willfully and knowingly giving false and inaccurate information to me regarding the alleged debt. Pursuant to 15 USC 1692e ( 2 ) ( a ), Midland Credit Management gave a false representation of the amount that they say I allegedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashMax LLC
State: TX

Complaint narrative:
I opened a loan with boost finance. I paid it off two weeks ago yet my account was drafted today. When I called them about it. I was told I needed to wait three days so that they can refund my payment. The also apologized. That is not ok. They shouldnt have taken it to begin with. They put me in a financial bind.

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 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX  / XXXX / {$7200.00} XXXX XXXX XXXX / {$9200.00} XXXXXXXX XXXX / XXXX / {$17000.00} XXXX XXXX / XXXX / {$21000.00} XXXX  / XXXX / {$21000.00} XXXXXXXX XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On the XXXX  on XXXX I told them to stop calling me every day and just to send whatever information to my house. 
They did not. 
And have continued to call me most days XXXX XXXX XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Serv. continually send my mortgage statements late. After I called, I did receive a few of them by the XXXX of every month. But the vast majority of my mortgage statements are late. In XX/XX/XXXX I did not receive it until XX/XX/XXXX and in XXXX, again I received it late, on XX/XX/XXXX. As of today, I have not receive my end of the year statement. I also sent two letters in XXXX, XXXX requesting the closure of my escrow account. I called SPS on XX/XX/XXXX and spoke with XXXX regarding my escrow closure request and he said to email the request. I emailed the request and received confirmation from SPS they they had received it. I could send a copy of the email and confirmation per your request. After receiving a letter from SPS to upload the escrow closure request. I uploaded it and again received confirmation that it was successfully uploaded. On XX/XX/XXXX I spoke with XXXX who also confirmed that the escrow closure request had been received via email and uploaded from me, and my home insurer had emailed the declaration page home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation