vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, GA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED PLEASE REMOVE : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, GA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED PLEASE REMOVE : XXXX XXXX XXXX via 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 explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
4

medical collections from Commonwealth financial systems? Who are they? why i wasn't notified or informed prior of embedded them into my credit profile? {$120.00}, {$110.00}, {$230.00}, and {$150.00}????? Th ese are violations of my consumer and HIPPA/medical rights!!! - Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : 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 explanation
Consumer complaint received 2020-10-10 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: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : 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 explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: MD

Complaint narrative:
Network Capital was refinancing our mortgages. One for our primary residence and two for investment properties. They have co-mingled with settlement amounts that supposed to be paid at the time of the settlement to borrower.

NetworkCapital has over charged us on loan points. The most disturbing point in this transaction, they have changed settlement dates ( after signing refinancing packages happened on XX/XX/2020 ) they asked to resign those packages AGAIN in XXXX ( XXXX ) 2020 and in consequence to it, the amounts belong to borrower were manipulated, and incorrect ; pay-offs original mortgage amounts were reduced, but Network Capital inflated new mortgage loan balance.

Another issue, they overcharged and did not disclosed some fees that over-sudden showed-up on Closing Disclose at the settlement date. Closing Disclose ( CD ) was not disclosed until we were at the settlement with notary : Network Capital would send us electronic CD that NOT the same that we were signing at the table. 

At the end of this transaction each refinanced property mortgage balance would be almost XXXX k larger! 

XXXX document have never been provided at the settlement, only after packages were closed, title company sent it with altered and changed amounts. When we contacted NetworkCapital with complain they provided explanation that even after second time around the escrow accounts were calculated incorrectly and they changed our escrow balances.

One more issue : original Bank payoffs were much less than NetworkCapital established for new mortgage. Just an example : Primary Residence : XXXX XXXX XXXX original bank-XXXX   payoff loan XXXX. NetworkCapital ( NC ) loan went to {$430000.00}. ( NC original loan amount estimate was {$430000.00} ) Same problem for investment properties : XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX -NetworkCapital Corporate NMLS : XXXX | MLO NMLS : XXXX T : XXXX x XXXX XXXX F : XXXX E : XXXX | W :  networkcapital.net Manager : XXXX XXXX - NetworkCapital Corporate NMLS : XXXX | MLO NMLS : XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX | FL | XXXX T : XXXX x XXXX | F : XXXX E : 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 explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
My bill with comenity card is due on the XXXX of each month and closes on the XXXX of the month I keep it at 30 % of use by the closing date and for some unknown reason they are reporting the wrong information after the closing date instead of reporting the balance as of the closing date. They are waiting till the XXXX or XXXX of each month to report the new uses. I called and spoke to a representative to advised them that is wrong. Being they dont speak English is a major problem. My score drops with this in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: MA

Complaint narrative:
HAPPY SATURDAY XXXX! - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section XXXX. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: MA

Complaint narrative:
HAPPY SATURDAY XXXX - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section 623. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: MA

Complaint narrative:
HAPPY SATURDAY XXXX/XXXX-XXXX! - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section 623. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I have sent convergent multiple letters I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Convergent has sent me a billing statement showing a balance of XXXX when the credit report shows XXXX this is inaccurate information therefore i am requesting validation of this debt bearing my signature

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 2020-10-10 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: MA

Complaint narrative:
Good Morning ; I was extremely shocked & surprised today when my fiance & I reviewed our credit report. I honestly thought that our credit was in pristine condition and therefore, we were in the process of refinancing our house and found out that we have inaccurate and negative items reporting in our Experian credit profile from XXXX XXXX XXXX XXXX XXXX XXXX Not only that we resolved this matter years ago, but by looking at our credit report, we noticed that it's reporting incomplete and unverified information. It's my understanding that when an account is in charge-off status, the " HIGH BALANCE '' should be higher than the actual balance but in this case, is reporting incorrectly. Here it's reporting High Credit : {$6100.00} vs. the actual balance is {$7400.00}. This is in violation of fcra and it can not be reported as such and it's causing this charge-off account to illegally re-aged.

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 2020-10-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My mortgage was sold to SPS PORTFOLIO SERVICING IN XX/XX/XXXX : I noticed A problem when I begin to calculate the principal that I have paid so far on my loan and I realized that SPS PORTFOLIO SERVICING had not been applying my principal appropriately. This lead me to pull my statements from XX/XX/XXXX to current and I found other issues that I have listed below. 

ISSUE # 1 : My mortgage loan originated through XXXX XXXX XXXX XXXX in XXXX, was transfered to XXXX XXXX XXXX XXXX XXXX in XXXX and has ALWAYS been : " A SIMPLE DAILY INTEREST LOAN '' On XX/XX/XXXX as I was calculating my principal payments, I realized there was an issue and I called SPS PORTFOLIO SERVICING on XXXX XXXX : I explained the type of loan I have and the Customer Service Rep stated that " We have copies of your original note that reads your loan is a CONVENTIONAL LOAN without PMI. It accrues yearly. '' I asked in an email to the email address provide by SPS, for a copy of " the note '' that states my loan originated as a conventional loan ''. I never got those documents. 

I faxed over all my documents from XXXX XXXX statements to actual history print outs from XXXX XXXX over the years of the loan. On the statements, it says in plain english- " your loan is a daily simple interest loan ''. On EVERY SINGLE STATEMENT ISSUE # 2 : My escrow balance has been depleted for reasons nobody at SPS PORTFOLIO SERVICING can figure out. I have forced placed HAZARD AND FLOOD INSURANCE ( only because it's cheaper ) and my balance in escrow was {$1200.00} as of XX/XX/XXXX which is for hazard, flood and taxes to be paid in XX/XX/XXXX. As I am reviewing my statements, I notice that my balance as of XX/XX/XXXX is {$940.00}, with only 2 more payments of {$170.00} each til XX/XX/XXXX. This will place me in the negative for escrow. I have never been in negative. 


ISSUE # 3 : On each of the statements from XXXX XXXX, I was 2 months ahead in my payments, which doesn't matter much with daily simple interest ; however, if I ever need to go past the XXXX date-I wouldn't have to worry about a credit report negative hit. But SPS PORTFOLIO SERVICING has my due date effective XX/XX/XXXX. I have already made a payment as of XX/XX/XXXX over the phone, and the payment still has not posted. This will not work for my type of loan. Each day is crucial and costs me money. It is not my bank 's error because I paid over the phone with XXXX XXXX in the past and my payment posted the same exact day. If I didn't see it, they would correct it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
Borrowed {$1000.00} from Mountain Summit Financial on XX/XX/2020 Repaid {$250.00} on XX/XX/2020 Repaid {$260.00} on XX/XX/2020 Repaid {$260.00} on XX/XX/2020 I still owe {$930.00} towards principal. 

I checked for my interest rate in the details of the email but I havent been provided any and when I called they didn't disclose my interest rate.

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