vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
The Specialized Loan Servicing has been horrible to deal with and they are a collection agent company Now after trouble with them in paying off the mortgage in a short period of time they are now refusing to report to the credit companies that it is paid in full and they are saying they do not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transfer to Specialized Loan Servicing LLC. the reporting of credit much later than paid keeps my credit score lower than it should be and in my opinion is not fair or correct at all and I would think it is illegal to do so. I will send copies proving it is paid and their refusal to report. 
It is said when a collection company doesn't abide to the law and treat their customers with so much disrespect and little concern to what is right or wrong they just do what they want and don't even care at all.. In closing I will send the papers they sent me about the mortgage being paid and when they will tell the credit companies it is paid 3 months later than it is paid in full which is wrong. Bow we still don't have conformation ob the deed and tittle who knows when that will be they said 60 days but their word isn't worthy of honor or truth.

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 2021-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
During the months of XXXX, XXXX, and XXXX oXXXX XXXX I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to XXXX XXXX  and Transunion. 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.

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 2021-02-20 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This has been removed from my credit report and they keep using different collection agencies. The balance was paid in full. This also was a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested in writing that all communications with Experian must be mailed to my address and I no longer have an online account with Experian. I did that because when you sign up an online account with Experian you basically give up your rights to sue them for any wrong doing. Experian disregarded my written certified request and still emailed me to check the complaint results online.

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 2021-02-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
During the months of XXXX, XXXX, and XXXX of XXXX  I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to Equifax, XXXX and XXXX 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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:
XXXX has violated my rights serval different times and ways. I am a victim of identity theft. I have sent in and reported serval times to XXXX  and have asked for them to validate the date with proper proof of debt and they have totally disregarded. 
I have used the 605b of the FCRA to report identity theft with police reports and ftc reports and the do not honor and when they did block and remove they further violated FCRA 611 ( a ) ( 5 ) ( B ) by placing back on my credit file without giving me notice in the 5 business days allowed by the fcra the accounts are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I purchased a product from a company, XXXX XXXX XXXX, for the amount of {$3200.00} and ended up having to get a refund. The credit card used was Capital One and I made 6 monthly payments of {$530.00} from XX/XX/XXXX to XX/XX/XXXX ( 6 payments ). 

When the refunds finally showed up on the statements, it was shown that the company did refund the 6 payments ( {$3200.00} ) but Capital One showed they were only going to refund {$2600.00} ( which happens to be exactly {$530.00} + {$55.00}, the {$55.00} being a charge for bug extermination from XXXX. Why have I been charged this extra {$590.00}? 

These were the only charges I had with Capital One from mid-XXXX XXXXXXXX to XXXX XXXX and I always paid the amount due in full. 

To me it is basic math ; I payed out {$3200.00}, I should be refunded {$3200.00}, not {$2600.00}. 

When I called Capital One, the first attendant could not figure out the problem of why I was not being refunded correctly. So they sent this to the " highest '' level and I was spoken to by an attendant who merely went over the statement with me. I asked him point blank if he does not see the basic math with the situation and he responded that the statements tell the whole story as if there could be no errors in the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During the months of XXXX, XXXX, and XXXX of XXXX I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to XXXX, Experian, and XXXX 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.

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 2021-02-20 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: FL

Complaint narrative:
XXXX, XXXX, and Experian continuing to report inaccurate information. 

They have multiple accounts that show still open yet in collection and have recent payment history, yet I have never had such accounts and no proof of documents with my signature were provided, how is this continuing to be report? I request and demand that they are deleted from my credit profile. 

This is my third attempt in attempting to remove inaccurate accounts and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validate this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.

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 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
XX/XX/XXXX. I was instructed by my employer to send a client down payment to our supervisor via wu. It turns out this money was paid with a fake check and my bank is holding me responsible for the missing money. My employer tricked me into this and I have an active police report. Western Union and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
This has been removed from my credit report and they keep using different collection agencies. The balance was paid in full. This also was a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: FL

Complaint narrative:
XXXX, TransUnion, and XXXX  continuing to report inaccurate information. 

They have multiple accounts that show still open yet in collection and have recent payment history, yet I have never had such accounts and no proof of documents with my signature were provided, how is this continuing to be report? I request and demand that they are deleted from my credit profile. 

This is my third attempt in attempting to remove inaccurate accounts and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validate this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.

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 2021-02-20 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Disputed {$53.00} on my Costo Citi Visa. Citi shows " credit applied '' on dispute page, but no credit was applied to my card. Contacted Citi via their website 's " chat '' feautre. Someone named " XXXX '' was reportedly connected but did not respond after almost ten or fifteen minutes of no responses to my attempts at communication, I gave up and filed this complaint. This complaint is as much about the dispute as it is about the inability to contact a human at Citi.

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 2021-02-20 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: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of this account on my credit report. I have fully paid off all child support balances yet my TransUnion credit report doesnt reflect that. How are there two different balances on the XXXX XXXX  XXXX XXXX XXXX account? Also, I have never made a late payment but you guys are reporting 21 dates of late payments. Lastly, you guys are reporting that Ive been past due for 120 days which is also incorrect. 

Reason for dispute : XXXX XXXX XXXX XXXX XXXX XXXX is Inaccurate XXXX Balance : {$1500.00} XXXXXXXX XXXX Balance : {$92.00} ( Balance is inaccurate ) All payments are up to date and should reflect a XXXX balance. 

XXXX XXXX XXXX  XXXX XXXX Payment History is inaccurate Transunion is reporting late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( All payments were made 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 2021-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
My name is XXXX XXXX, I received a car from XXXX in XX/XX/2020. I later received calls and texts from Bridgecrest regarding an alleged debt. I never consented to Bridgecrest having my personal information. I mailed them a debt validation letter on XX/XX/2020 and did not receive a response. I mailed them an affidavit of truth on XX/XX/2020 which also did not get a response. Both documents were sent certified and signed for. I recently sent another debt validation because I noticed that this account was on my consumer report listed as charged off, which has negatively affected my reputation as a consumer. I still have not received a response from Bridgecrest. How can they charge off an account that they have not validated? This account has stopped me from getting many opportunities over the past few months. I feel that they need to have some type of repercussions for their actions from the CFPB.

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 2021-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
2nd Mortgage Servicer Planet Home Lending Acc # XXXX allowed 'other ' to access and manipulate my 2nd Loan. When I became aware, I called them ( @ 5 times, last call was 2.5 hrs ) and emailed them ( 3 times, last email stating a complaint seems to be only solution ). What Planet Home Lending & 'other ' did is unknown due to Servicer wont respond and when talking to their Reps, Im just put on hold, transferred or told they do not have that info on their screens. 
Limited time is a huge factor due to needing verification if my loan was paid in full, no longer responsible, transferred, future billings, etc., per buyers statement. Planet Home Lending, 3rd call, stated they dont have to relay any info to me ( name on account ) regarding anything and monthly statement is all that is needed. 
Section for involved person must be checked how and for this, no option provided. Person involved is the Buyer who stated that he finally paid the 2nd off. Buyers statement affected a Court Trial due to Servicer refused to confirm/deny the buyers statement to the Seller, Name Holder on 2nd Mortgage. Is this allowable or Servicer at fault?

Company response to consumer: Closed with explanation