vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 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: AR

Complaint narrative:
I pulled my credit to myself to check the reason why my score was so low. I knew I was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple of items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I contacted the general number to attempt to settle my debt. I had been working with a debt collector by the name of XXXX XXXX. I wanted to speak to her and was told I wouldn't be allowed to. I told him I wouldn't be able to make a payment previously agreed upon. He told me and I quote " you don't get to speak to XXXX. You don't get to pick who your talk to. Grow up boy and that payment on Monday better be good. Get a real job. '' This abusive contact deterred me from working with the company. I told him I wanted to cancel any payments and cease working with them and he did not cancel the payment and said the money better be there. This was absurd and abusive. He was using coercive and intimidating language in an attempt to secure the funds and then hung up on me without confirming the payment would be cancelled. I do not wish to work with this company any longer and will not subject myself to their predatory practices again. They called me back and blatantly lied to me saying they told me about the letter they sent me offering a 50 % discount on the debt. It was on a recorded line when he told me over the phone that they could settle for no more than 20 % off. These lies and treachery are an embarrassment and make an already difficult situation, more difficult. The insults received from an unnamed employee were also on a recorded line.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I am trying to refinance my home. I was within days of closing when the underwriters asked about a deferred balance that they discovered when they received the final payoff. I just came out of bankruptcy and was under the understanding that all past arrearages were to be taken care of in the bankruptcy. When I asked my Mortgage company about the amount, they said I was still responsible for it. The amount is {$11000.00}. I have asked them to find written documentation where I agreed for this amount to be put at the end of my loan, and documentation explaining to me how it would affect me when I re-financed. First, they said it would take 72 hours. After the 72 hours, they said they should have an answer in another week. We are now at 2 1/2 weeks and still nothing. My loan changed to a different Servicer in the middle of my bankruptcy and they have not been able to come up with a documented resolution yet. I need a resolution ASAP. My interest rate is at 12.75 % and I need to be able to move forward with the re-finance. I have my rate locked in already and only have a limited amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
In XX/XX/XXXX I was notified from Superior Court of New Jersey XXXX XXXX XXXX New Jersey for a credit card balance Docket DC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was in collection agency XXXX XXXX XXXX XXXX XXXX. with Pressler & Pressler , L. L. P. P & P File XXXX it is Pressler & Pressler ( now Pressler , Felt & Warshaw , LLP ) file. I went to Superior Court in New Jersey, XXXX County to answered that lawsuit. Therefore, few years ago I called XXXX to set-up the account and pay monthly lower payments. But, XXXX XXXX XXXX told that did not had this account, because they sold to Pressler & Pressler for {$500.00}. Also, Pressler & Pressler harassments a customer from credit cards made business with bad manners to get wealth. Pressler & Pressler harassments me with calls and used the law for that propose. They hurt me in many manners, since they harassment me still doing. Yesterday XX/XX/XXXX, at XXXX a Sheriff from XXXX City knocked my door in my house. The Sheriff come to my home because Pressler & Pressler Now Pressler , Felt & Warshaw , LLP pay them a fee uses the Law their way for harassments made me with frighten me. The Sheriff told me, he is doing his job but for {$4600.00} Docket # XXXX XXXX. It is not right to came somebody home a made inventory about what I have in my home and take away someone needs. I believe that Pressler & Pressler ( Now Pressler , Felt & Warshaw , LLP ) This account is from XXXX, Has A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. It falls in the three to six years range, although in they need to show me that own that amount. and this is too old. So, I am not own nothing, Status of Limitation had already passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TX

Complaint narrative:
I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been  sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXXl accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done 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 non-monetary relief
Consumer complaint received 2020-02-13 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: TX

Complaint narrative:
I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX  makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXX   accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TX

Complaint narrative:
I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX  makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXX   accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done 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 non-monetary relief
Consumer complaint received 2020-02-13 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: NV

Complaint narrative:
SOME CREDIT ACCOUNTS WAS OPEN IN MY NAME WITHOUT ME KNOWING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NV

Complaint narrative:
SOME CREDIT ACCOUNTS WAS OPEN IN MY NAME WITHOUT ME KNOWING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Lakeview loan servicing company has made several errors to my escrow account. I have tried to resolve the issue over the phone numerous times, but to no avail. The issue is that my property insurance premium has changed from {$2600.00} to {$1400.00}. My shortage with Lakeview last year was {$2800.00} and now it only went down to {$2400.00}. My property insurance went down over {$1000.00}, so the new shortage amount does not make sense and they can not give me an itemized breakdown. The other concern is with the escrow cushion. Last year it was {$1100.00} and now with the lower insurance premium it went up to {$1700.00}. On CFPB website it states that the cushion must be no greater than 1/6 of the annual disbursement from escrow account, which is {$910.00}. My taxes are {$4200.00} and my insurance premium is {$1400.00}. When I told the customer service representative that information they told me to notify CFPB and the escrow department through email. The google reviews for Lakeview show that I am not the only person have this issue with this company. They are abusing their customers. Thank you for looking into this and please contact from more information, if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I previously entered a modification in the past and no one explained to me that there would be a balloon payment due for XXXX. Currently the balloon payment is due and I do not have the money to pay for it. They are currently threatening me that my house will enter foreclosure on XX/XX/2020. I am worried I will be losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: ASTA FUNDING INC.
State: MO

Complaint narrative:
I can only give you today 's date because it is the last straw. My husband and I have been getting called at least twice or three times a week and they always call from a different number because we have blocked their calls but they keep on calling. I have politely requested on several occasions not to call me or my husband anymore, howeve they have ignored our requests. The collection company is Palisades Collection LLC.  The calls are regarding a case that has been closed since XX/XX/2011 and has changed collection agencies 3 times. Now I'm trying to refinance and they have sent a fraudulent letter to the mortgage company who has forwarded the fraudulent letter to me at my request. When my mortgage company told me about this issue I started contacting Consumer Agencies for help with these harassing and fraudulent issues. It is effecting my health and well being because of the stress the company is placing on myself and my husband. I'm also contacting the State Attorney General 's office and placing a complaint with them as well. I fear that if this behavior is going to continue there will be medical attention that will need to be addressed and I believe I should be compensated for all charges from Palisades Collection LLC. should it come to that. I don't know where to turn for help when collection agencies are able to write letters to companies and also calling these potential institutions with lies and deception. Please help me or provide information that can stop this harassment and stop them from ruining my reputation with fraudulent letters and calls. Any help you can provide will be greatly appreciatedl Respectfully Submitted!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TN

Complaint narrative:
MY INFO WAS USED TO APPLY FOR ACCOUNTS WITHOUT ME KNOWING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TN

Complaint narrative:
MY INFO WAS USED TO APPLY FOR ACCOUNTS WITHOUT ME KNOWING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TN

Complaint narrative:
My mortgage servicer changed from XXXX to BSI Mortgage. I was making my mortgage payments to XXXX mortgage and the mortgage was current. Servicer changed to BSI Mortgage.Mortgage payments that XXXX retained in their possession for XXXX and XXXX and was never forwarded from XXXX to BSI. I have spoken with XXXX and BSI several times on this matter. BSI states they never received my mortgage payments from XXXX. BSI is charging inspection fees and interest for payments that I have already paid. The fees are excessive and is causing my mortgage to go in default. I have spoken with BSI several times and emailed them copies of my bank statements reflecting the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/2020 there was a {$27.00} charge in the card. First off I dont know what card this even is I just pulled my report and have no recollection of getting a credit card from a bank in Delaware. 
On XX/XX/2020 it added another {$27.00} Im also unsure what this was for or why this happened. There was no attempt to reach out to me via phone or email. Which leads me to believe this card was opened illegally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TN

Complaint narrative:
LOOKING TO BUY A NEW HOME WHEN THE BANK INFO ME OF ACCOUNTS ON MY PROFILE THAT MAYBE DO TO FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NJ

Complaint narrative:
I have submitted a dispute with Experian prior to this dispute. I'm giving them another chance to resolve this matter before I file a dispute seeking damages in Federal Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
When I moved into my new home XXXX XXXX told me they could provide me with 10 Mbps internet service. After installation was only receiving 1 Mbps. After several phone calls and 4 service repair men attempting to resolve I was finally told I lived too far from the switch and 1 Mbps was the best they could provide. 1 Mbps was useless so I told the repairman that if I wasn't able to receive the service I was paying for he could cancel my service. The {$110.00} dollars for the service never provided is now on my credit report and being collected through enhanced recovery company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA defames my name reporting to CRAs & CFPB that I reported XXXX XXXX. {$120.00} Fraud in XX/XX/XXXX with allegations of me trying to collect rfunds not due me reporting fraud on A RETURNED ITEM. And .... THIS IS A LIE! see attatched letter of XX/XX/XXXX TOP READS FRAUD CLAIM INVESTIGATION RESULTS and says We have completed our investigation of the following CREDIT CARD ( TRANSACTION ) and gives a Transaction date of XX/XX/XXXX NOT A CLAIM DATE It further says The credit we deposited at the beginning of the investigation HAVE BEEN REVERSED. They were reversed XX/XX/XXXX NOT THE SAME MONTH THEY WERE PURCHASED XX/XX/XXXX. see attatched letter XX/XX/XXXX TOP SAYS CREDIT CARD FRAUD ( CLAIM ) with a Claim date of XX/XX/XXXX USAA PLEASE INFORM THE CRAs you were wrong to clear my name. Please retrain Ms XXXX and ALL THE OTHER too numerous to mention that have lied to me for 2 years so this does not happen to others.

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