vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 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: TX

Complaint narrative:
I had sent letters to the credit bureaus on XX/XX/2019 asking for them to help me with these issues and they refuses to dispute these items properly or even answer to my letters in a proper amount of time.

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 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
Ability recovery services, has repeatedly called myself, family, and my mother and father in law about a very old debt. they have threatened saying that i will be in severe legal trouble if i do not call them or pay back this debt. i do not even know how they got my in laws numbers. but they call and harass at all times of the day and night. it is getting stressful and harassing at this point. They call from many different numbers, so it doesnt matter how many times i block a number they just call from a new one. and then when i try to call back the number it is some random person who answers, it is like their cell phone or landline. so it is like ability recovery services is rerouting their calls through other peoples phone numbers. the most recent call was today from ( XXXX ) XXXX at XXXX XXXX. 
yesterday XX/XX/20 calls from XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX and this one calls the most ( XXXX ) XXXX i get a call from that number almost on a daily basis.

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 2020-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
On XX/XX/2019 I received a letter from XXXX XXXX XXXX. that Ditech my mortgage was going to foreclose on my property. I called Ditech on the XXXX on why they were going to foreclose on my property they said that I went over 120 days and they are going to foreclose I told them that I did not go over 120 days and they said I did .I told them that I was three mo behind not four she said I did not make XXXX payment I told her I did. I called in to make my payment and Ditech is so pose to be open on Sunday I calld on XX/XX/XXXX and they said that they were closed I called XXXX XXXX and made the payment that way.when I called on XX/XX/XXXX to see if they received my payment they said that they did on the XXXX th. I called XXXX XXXX and they said they payed Ditech on the XXXX of XXXX. I called Ditech with the info and they said they would get back to me when they found my payment.They found my payment but they would not let me make The XXXX payment to they cleared it up.They also were to fix my credit report and take care of the fees because it was there fault.After numeris calls they took care of the fees. but did not clear up my credit report and it did cause problems with my credit. Ditech sold my Mortage to XXXX XXXX and XXXX XXXX said I owe them XXXX for the Attorneys fees and some outer fees.I have a statment that says I do not owe Ditech any money.I am A senior citizen and a XXXX veteran I should not have to go through this with mortgage companys.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15 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: CA

Complaint narrative:
Equifax doesn't remove " collection account # : XXXX ''. This incident might be related to a bill on XX/XX/2018 from a medical center that I have paid the bill in 6 month interval. By the law, " If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 DAYS ( SIX MONTHS ) from the notification to pay the account before Equifax is ALLOWED to report it to my credit history. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: IN

Complaint narrative:
I have contacted Transunion a plethora of times over the last 6 years regarding the inaccuracy of bankruptcy and other accounts listed on my account. They quickly deleted the accounts but will not delete the bankruptcy regardless of all the documentation i have provided. I have submitted court documentation and police report showing that my social security was fraudulently used in XXXX and XXXX. I recently disputed the bankruptcy and less than 24 hours it came back verified AGAIN. I have asked numerous times how they have verified the bankruptcy through a procedural request and get a generic response via a letter. I have contacted the courts and they have put in note in file that social security number attached is erroneous, so if Transunion actually went to the court house and did their due diligence they would have seen the note in the file along with police report i provided them!! Furthermore, I provided transunion a copy of my XXXX XXXX   report that doesn't show i have ever used the name XXXX XXXX OR ever filed bankruptcy. Yet, the continue to refuse to tell me how bankruptcy is verified as they have not stepped foot into a court house to look into the file and verify information i continue to report to them!

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 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I had been using XXXX XXXX insurance for my home and autos, for several years. My insurance renewal date has been XX/XX/XXXX, of each year. My total annual bill has been around {$2000.00} up until the summer of XXXX ; when XXXX XXXX  sent me a bill for over {$4000.00}. I called several XXXX agents and was able to get this XXXX XXXX error fixed and my XXXX bill was dropped back down to around {$2000.00}. In the summer of XXXX, I started getting notices, from XXXX XXXX, stating that my next bill would be around {$3700.00} to {$3900.00}. I called XXXX XXXX and complained about their price jump attempt and also complained about XXXX XXXX attempt to over value my Home, the Contents and Auto values in order to collect high payments from me, and I told them that their offer was unacceptable. I also called a XXXX XXXX Corporate number and explained the over charging problem and they offered to reduce my new bill about {$100.00}. I confirmed that they couldn't do any better. I then conducted a search of other Insurance companies and found that I could get coverage from XXXX Insurance for close to {$2000.00} and that coverage was roughly four times better than XXXX XXXX 's offer. I signed up with XXXX Insurance and have recently confirmed that XXXX has two signed and stamped letters confirming XXXX 's coverage to XXXX XXXX. These are dated XX/XX/XXXX. Since late XX/XX/XXXX through XX/XX/XXXX I have been receiving a continuous stream of email bills from XXXX XXXX ; that range from {$3700.00}. down to {$450.00}. plus. I have responded to each and every one of these ; but they never responded back with apologies for their harassments. On XX/XX/XXXX I received a collection notice for {$420.00} form a collection agency named CREDIT COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, Ma XXXX ). I called CCS that morning and spoke to a woman, who refused to listen to me. I explained that this was a scam by XXXX  XXXX and that CCS was an accomplice in this scam for sending me this collection notice without obtaining any data on this attempted collection, and that they and XXXX XXXX would be held responsible for all of the harassments and charged for time spent by me, to correct this scam. Today I also received an email from XXXX stating that had just been a negative change to my Credit Rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/2019 a balance transfer charge of {$2000.00} was charged to our credit card. This charge was not processed correctly and didn't go through. We have contacted the company numerous times to resolve this issue. We do have a legitimate charge on this account which we are currently paying. The company continues to pass the buck to other departments and no one will resolve this issue. Please help us with this problem. Thank 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 explanation
Consumer complaint received 2020-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 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: Idaho Housing And Finance Association
State: ID

Complaint narrative:
Idaho housing is staying my payment was late for XXXX when in fact it was made before XXXX MST on XX/XX/2019. I have copies of my transaction being completed prior to that and my payment date is listed as XX/XX/2019. There is no reason for them to be reporting this as late when it was not late for XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: GA

Complaint narrative:
I have two loans with New York state higher education services. The total amount of the loan is XXXX. Ive tried contacting them ( thur mail and over the phone ) about rehab option but they always told me that my loans where in collections and nothing can be done but pay the debt in full. I've been homeless for the past 5 years have proven letters to prove it. My only income is {$260.00} XXXX and {$1100.00} dollars a month for XXXX XXXX XXXX XXXX. I would like to know any realistic options to resolve the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Management Recovery Corp. (NMRC)
State: AL

Complaint narrative:
They have contacted me repeatedly to the point of changing my phone number three times now, have harassed both of my parents, and my fianc which I have screenshots of as well. Left multiple messages after I have contacted them. They have told my father because they contacted him that is considering me notified, I have been threatened at points which is what caused me changing my number, and completely mistreated. The first picture uploaded is from my mothers camera roll, the second my fiancs, and the third my fathers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
Roundpoint wrongfully forceplaced insurance on our home XX/XX/XXXX to XX/XX/XXXX. 
They sold the mortgage to XXXX XX/XX/XXXX. 
We have sent evidence of insurance for the period in question through my insurance agent as well as myself by phone & fax. They will not accept emails. A new person answers each time and claims not to know the previous person that attempted to resolve the issue. Most recently it was XXXX in XX/XX/XXXX ( we were told a refund check would be mailed. Never received ). Then XXXX employee # XXXX was looking into the issue additionally requesting I share documentation by fax. Today XXXX  ( " XXXX '' ) advised they saw notes on file. Checking into the matter of a refund. Put on hold for over 20 minutes then call dropped. All persons communicated with are polite but no action or follow through occurs to refund the premium.

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 2020-01-15 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: LEXISNEXIS
State: IN

Complaint narrative:
I disputed bankruptcy case number-XXXX with LexisNexis. I filed a CFPB report stating that the bankruptcy was inaccurately being reported on my LexisNexis report. LexisNexis responded to the complaint stating : ( third paragraph, fourth sentence ) As previously explained, the address originally filed on the full bankruptcy docket ) - XXXX XXXX  XXXX XXXX, XXXX XXXX, IN XXXX obtained from Public Access to Court Electronic Records ( PACER ) is the address reported to LexisNexis with Ms. XXXX full social security number by the nationwide consumer reporting agencies. On my LexisNexis report under section Bankruptcy it states that the bankruptcy was filed XX/XX/XXXX. I moved to XXXX XXXX XXXX XXXX XXXX, IN XXXX on XX/XX/XXXX. There is no apartment number or letter associated with the address. I am attaching the bankruptcy section from my LexisNexis report that has the file date. I am attaching W-2s from wage earnings from the years XXXX and XXXX with my address listed on them as : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX. I am also attaching my HUD lease from XX/XX/XXXX because I moved to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I am also attaching my lease that clearly shows that I moved to XXXX XXXX  XXXX XXXX XXXX, IN XXXX in XX/XX/XXXX. How is a bankruptcy being reported with the file date as XX/XX/XXXX attached to a address that I wasnt living at when it was supposedly filed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XXXX I pulled all 3 of my credit reports and noticed that I had a collection account with Portfolio Recovery Associates. On XXXX I sent a notice of dispute and validation which was delivered and signed for on XXXX at XXXX. Each account differed from the other ; from contact information, account name, account number, original creditor, account status, payment status, status update, balance updated, original balance, past due amount, high balance, terms, and last but not least payment history.. Also being reported as opened on month in which this alleged account was bought by Portfolio Recovery Associates . I've received an itemized statement ( which does not constitute verification ) containing my name, partial account number, and a balance XXXX cents cheaper than reported. Portfolio Recovery Associates has failed to provide me with proper validation. Please note that as 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), so obviously states, it is prohibited to report information with actual knowledge of errors. This account listed on all three of my credit files is RIDDLED with errors. This company is challenging and disregarding my rights as a consumer. Portfolio Recovery Associates has willfully and negligently reported inaccurate information to all of my credit reports and has continued to do so for a total of 32 months. Please note that the FDCPA and FCRA are strict liability statutes and one only needs to show a violation occurred in order to be awarded statutory damages. Even if you simply remove the information from my credit files, remedy is not complete provable infractions have taken place and are still subject to damages payable to the consumer. 

Also note that PRA, LLC 's most recent correspondence received dated XX/XX/2020 stated that " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' I clearly stated in both notices to Portfolio Recovery Associates, LLC that I was making a goodwill attempt to have them clear up this matter. That the listed item is inaccurate and incomplete, and represents a very serious error in their reporting. 

***Attached are all 3 listings reported to the three major  credit bureaus XXXX  , XXXX  & XXXX  dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: TD BANK US HOLDING COMPANY
State: ID

Complaint narrative:
They reported my payment as late for XXXX but my payment was never late. I made my payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: ID

Complaint narrative:
They reported my payment as late for XXXX but my payment was never late. I made my payment on time.

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 2020-01-15 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: ID

Complaint narrative:
They reported my payment as late for XXXX but my payment was never late. I made my payment on time.

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 2020-01-15 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: ID

Complaint narrative:
They reported my payment as late for XXXX but my payment was never late. I made my payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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:
On XX/XX/19 XXXX credit Report, XXXX XXXX   XXXX  ( XXXX ) status states DELETED from your credit report.

Company response to consumer: Closed with explanation