vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
To Whom It May Concern : I have documentation that I need reviewed by a real expert/professional. I have tried to contact Bayview loan servicing and they continue to run me around in circles. I 'm attaching documentation to review that I 've asterisked, circled, or underlined. 
Escrow account balance on XX/XX/2016 was {$2100.00} after payment of insurance. 
On XX/XX/2016 funds were distributed for {$910.00} - does n't reference who that was paid to and what it was for. 
I do n't see where I got a refund in that amount and there were no summer taxes owing for that amount. Escrow funds can only be used for anticipated taxes and insurance, so they need to give an explanation on that disbursement. 
Page XXXX is unexplainable to me and page XXXX continues to only confuse me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: HireRight Solutions, Inc.
State: FL

Complaint narrative:
This company maintains a database of consumer information, mainly for the purposes of hiring in the trucking industry. I have disputed the information countless times over the years but they will not correct it. I have been party to XXXX class action lawsuits because of their refusal to remove incorrect and fraudulent information report by the subscribers of their database services, trucking companies. Also the last time I made a complaint was when the last class-action was supposed to pay out. To be paid a person was supposed to have disputed information during a specific time period and mail in an affidavit to something called the XXXX. I mailed in the document and a few weeks later received a letter saying I would not be paid because I sent no documentation. This company is infinitely corrupt that is why they are operating under bankruptcy protection. 
Also they employ a tactic of dual reports which means the individuals get a report with one set of information and the potential employer gets a report with all of the incorrect and fraudulent information the companies have reported.

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 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
Since I am selling my house, I requested the payoff letter to the lender ( Astoria Bank ) several times. The lender sent me the letter but it did not indicate the payoff amount clearly for XXXX recapture loans that were filed by the lender. So I asked to indicate them on the letter and also asked the details of how the lender came up the amount for XXXX recapture loans. The representative could not explain the details and kept saying the lender do not have the record of XXXX of recapture loans. Also, she did not let me talk to the person who has better understanding of this. She told me that she will note it on my file and it will take another 14 days for further investigation which I requested almost a month ago. If I do n't receive the payoff letter within 24 hours, I have to postpone the closing or I may lose the buyer. then, I also may lose my down payment of new house. The lender will ruin my life. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I tried disputing incorrect balances, date of last activity, date of last payment, date reported, status and etc but the always referred to the actual companies. 
After speaking with the companies such as XXXX, XXXX XXXX the issues have yet to be resolved after multiple attempts. Please see my Equifax report dated XX/XX/2017 for support documentation. 

XXXX 's past due amount, actual amount, status, date of last activity, date of last payment and balance are all incorrect. Nor have the creditor reported for XX/XX/XXXX and XX/XX/XXXX on Equifax and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX 's balance, date of last activity and date of last payment are all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
Both my parents have died and the mortage was in both of there name my Mom passed in XX/XX/XXXX and my XXXX passed XX/XX/XXXX I was living at the residence and paying the mortage payments since XX/XX/XXXX. I feel behind due to having XXXX i tried to call to make some arrangements tried to make a payment they returned it. Tried calling they will not talk to me about it. I tried telling them my parents are deceased they will not talk to me about the loan. Im trying to save my family home its almost paid for and looking for a loan modification to catch up. There is much Equity In the house.I need help. My dad did sign the Deed over to me but he remarried and she was the witness to the switching of the Deed. I can not locate her and XXXX will not help cause he was XXXX at time of death. Looking for bank to work with me on keeping the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have disputed items with this credit bureau more than once about unauthorized inquiries, account that is to old to be on file ( XXXX ), and a utility bill that is being reported. Utility bills are not credit and I live in another state so the mail never got forwarded to me. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau try to say that my dispute is not specific and that they can not verify my address so they will not correspond until I furnish documents to prove my identity. I have supplied these items and proof to get the items deleted on their web site, equifax.com/document upload, and have also faxed the documents as well, all to no avail because they keep saying I have not sent them anything, which is a lie.I have used the same US mailing address for over 20 years and how dare they use this as an excuse as to why my disputes are not handled properly or accordingly. The accounts in question are XXXX and XXXX which are utility accounts that should not be on credit reports since they are not credit accounts. I want to know where they are getting this third party information from. If it is not from me, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
After being on phone with Experian, verifying an account they said ( I do not have ) but do!! Membership ID # XXXX and my account opens a window with my name but they said you have account but NO INFO!!? Insane!! at XXXX years old and an XXXX holder for 20 years with Platinum status, with XXXX other major credit cards, Experian says I have NO REPORT!! Then says there 's a freeze on account I 'm not aware of!!?? This insane Company holds me hostage! with False reports and saying I have No account but that its FROZEN!?? I want legal damages and criminal report filed against EXPERIAN! for Hostage on Financial info it says it does n't have and I can not move forward in my Mortgage process. CORRUPTION!!!

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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agency Equifax is reporting XXXX on my credit report. This is not my account also they refused to give me info on who they spoke to about my account and how they verified my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested in XX/XX/XXXX/XX/XX/XXXX that permanent blocks be placed against certain creditors on my Experian Credit Report, due to the accounts being fraudulent, which has already been reported through FTC and police report to credit bureau. Not XXXX, but XXXX were recently added back on, and now I have been denied credit. Therefore, I am requesting that the creditors be permanently blocked on my credit report. Also, I want to a phone number to my fraud alert, and the company is not available by phone. ( Creditors are XXXX, and 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 explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
requested to have items that have been closed and/or sold or transferred removed from my credit report and some addresses deleted. they are refusing to remove even after providing information that these accounts are closed or the company no longer has them. please assist. This was submitted to all XXXX bureaus with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts I disputed. Being that they have past the 30 day mark and can not verifying these accounts under Section ( 611 ) 5A of the FCRA which they are required to " promptly delete all information in which can not be verified ''. That I have disputed. I spoke with them telephonically several times in which they repeat that its " verified '' and that 's all the information that they give me. Can you please resolve this matter as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
My Tax lien is incorrect, and the Nissan account is still reporting, it 's old and incorrect, so please take it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I urgently need Equifax to remove a XXXX account on my credit report, that is reporting as charged off. I have disputed several times already and spoken to XXXX who says they have not been contacted. I was denied a mortgage because of this on my report. XXXX and XXXX have both removed immediately but Equifax has still not removed. I spoke to Equifax on the phone they told me I needed to reach out to XXXX in order to have removed quickly, I called XXXX XXXX says they need to have a dispute from Equifax in order to remove. Both are waiting in the other and I need those removed immediately. XXXX says no dispute has been entered from Equifax. However when I call Equifax, they say I ca n't do anything because there is a dispute still in the process. This is my third dispute on this. I was an authorized user on someone else 's account but need to be removed as I am not liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed off a letter to the credit reporting company with a tracking number and my mail has been sitting at the XXXX also mailed to the XXXX in XXXX Texas and the reporting company still have n't picked up my documents. How am I to adequately dispute the inaccuracies on my credit report if Experian will not pick up there mail that has been sent through the usps using certified letters. Also the mail is being delivered at the XXXX that has designated to sending consumers disputes.

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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent certified letters to Experian in reguards to the collections agencies XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, and XXXX. Theses certified letters were sent XXXX XXXX or XXXX sometime and Experian has failed to provide me with the requested validation of these debts. In my letter then I stated the following. - This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. - to date I have not recieved anything validating the debts and they have stated that they verified with the companies that the debts are mines but not one company has validated themselves either. I spoke to several different people with XXXX in particular who have confirmed with me that the ssn they have attached to their accounts do not belong to me yet they continue to update my credit report with Experian If information I have no paperwork on confirming the debt belongs to me. In speaking with representatives at Experian I have explained to them that XXXX already confirmed with me a social that is not mines. Yet the continue to damage my credit and hinder me from obtaining credit that I would otherwise be able to get without their negligent verifications. I have enclosed a screen shot of the accounts that have not been validated. I am requesting removal of all invalidated collections accounts or I will seek a civil lawsuit.

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 2017-04-16 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Comenity Bank refused my application for a XXXX XXXX XXXX XXXX Mastercard account. I requested my credit report to see why. Comenity claims they declined my request because of " Delinquent past/present credit obligation and limited credit experience. '' But the XXXX report they used to make this determination shows that I : a ) Have paid 112 % and 121 % of the monthly payment amount on XXXX of XXXX student loan accounts for the past 74 and 55 months respectively, and paid the remaining account off in full 8 years ahead of schedule, b ) Have never been delinquent on 22 of 22 auto payments to date, and c ) Have never been delinquent or carried a balance on XXXX of XXXX credit cards for 99 of 99 months, 53 of 53 months, 52 of 52 months, and 39 of 39 months respectively. 

Comenity also said they declined my request because of the " number of recent inquiries, '' but XXXX shows only XXXX pulls in the past 3 years ; XXXX for the credit application referenced in this complaint, and the remaining XXXX initiated by lenders -- not me. 

Finally, Comenity said they declined my request because they were " unable to verify credit [ my ] history, '' but XXXX reflects loans and revolving credit dating back years, all of it paid on time or indeed, early. The XXXX report also shows XXXX loans from " XXXX XXXX '' that were delinquent ; however, I do not recognize them, do not believe they are mine, and have been trying without success to get XXXX to remove them for years. ) I wish to understand why Comenity made claims about my credit history that are not backed up by the XXXX report they used, which shows my history of making payments ahead of schedule for my student loans or paying them off entirely years in advance, and my never having made been delinquent or carrying a balance on any of my credit cards. I feel Comenity first made its decision to decline my application and then attempted to justify it assuming that I would not verify their claims against the credit report they referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ivy Street Development Corp.
State: NY

Complaint narrative:
This was taken off my report I hade medical insurance at the time they keep on putting it back on my report it 's annoying and they keep harassing me southern tier

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX 2017, I mailed a formal complaint requesting verification or deletion. Some time after the 30 dyas I received a letter without the verification. Per the court, no information is supplied to credit bureaus.

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 2017-04-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I am submitting this complaint for my elderly mother, who had medical transport from XXXX ( XXXX XXXX XXXX ) twice, from the hospital to a XXXX, with charges of {$910.00} and {$850.00}. Both of these were paid, but XXXX sent another bill for both. She ignored the double bill ; we assumed that they were still processing the payments. ( I have POA ). 

Then XXXX turned this debt that she did not owe over to Credence, a collection agency based in XXXX. The employee called multiple times a day, including before XXXX. This left my mother in tears. The employee used multiple phone numbers, including one with our area code, and several names ( I could tell that it was the same person ). 

When we tried to call XXXX, they said that they had no record of payment. We have heard nothing from them since I mailed photocopies of the cancelled checks. My mother had been so upset and confused that she sent a {$100.00} check to Credence Resource Management for a debt she did not owe. She was so upset and worried after the repeated harassing phone calls that she sent another check to Credence, which I asked the bank to stop payment on. 

At best XXXX was careless and incompetent, but they may have been trying to commit fraud by deliberately double billing. If we did n't have the cancelled checks, there would have been no recourse and my mother would have been cheated out of {$1700.00}. 

The debt collection practices of Credence are illegal and abusive ( and I 've noted that there are many complaints about this collection agency both for abusive practices and for attempting to collect debts not owed ). They claim to have an address in XXXX but are actually based in XXXX. 

An employee of theirs called several times a day, as early as XXXX and as late as XXXX, in violation of Federal regulations, used multiple names and phone numbers, and threatened legal action. 

Now we are concerned that XXXX and Credence ruined her credit rating, which was excellent before this. It has been three weeks since we mailed them photocopies of the cancelled checks and still have not received any response.

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