vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

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 2021-10-04 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
XX/XX/XXXX I entered into a 12 month covid relief plan over phone with Navient in which I would not be responsible for making payments per federal policy. When I checked my credit in XXXX of XXXX in preparation of restarting payments my credit had dropped significantly as 12 missed payments had been placed on all three credit bureaus. I had been traveling as a critical care nurse fighting covid and had not been home in months. I contacted Naviant and they made everything current but refused to remove the late payments from my credit. The representative instructed me to dispute it with the individual bureau which I proceeded to do. Each time my dispute came back that Naviant insisted my payments were late. This is predatory and life ruining and preventing me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by NATIONAL CREDIT ADJUSTERS , L.L.C. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

Account information Account name : National Credit Adjusters Account number : XXXX Balance : {$310.00} Open date : XXXX XXXXXXXX 

I was harassed on phone, collecting on illegitimate bill, no funds were owed to original creditor, predatory lending, unconscionable interest rate. 

Solution : delete my account from all credit bureaus and waive the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
MyEquifax will not let me log in, even after changing my password through their online password recovery workflow. The newly set password will not work on the login page and I am not told that the account is locked, so I assume it is not.

In addition, on the password recovery ( reset ) page, the social security field remembers past entries which is a massive security issue. This feature should be disabled for this field! ( Obviously I've had this issue with the page in the past and never got a resolution )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
I AM REQUESTING ALLL DOCUMENTATION FROM McCullough Payne and Haan, LLC XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL

Company response to consumer: Untimely response
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
I am the victim of identity theft. The collection agency stated that someone added my name as a authorized user for a fraudulent account. The collection agency is now trying to hole me financially responsible. I have already filed a identity theft report with the police department & forwarded to the collection agency. There response was for me to go find the person who stole my identity and hold cause harm to them. The collection agency name is Mountain Run Solutions : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX UT XXXX. 

The collection company stated this was the debt of a business. Ive never owned a business.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is refusing to remove inaccurate unverified information. After XXXX their 3rd party vendor removed and inaccurate information. I provided the supporting documents to experian from XXXX. 
Accounts 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 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Louisiana Recovery Services Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved.

LOUISIANA RECOVERY SERVICES is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

LOUISIANA RECOVERY SERVICES have used abusive, deceptive, and unfair debt collection practices.

LOUISIANA RECOVERY SERVICES have violated my consumer right to privacy, I NEVER gave them any my information directly and LOUISIANA RECOVERY SERVICES has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the LOUISIANA RECOVERY SERVICES civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

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 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: DE

Complaint narrative:
Based on settlement letter sand the settlement amount on their website, I accepted a settlement to pay the collection and have it removed from the bureaus. I paid the amount due. Now the balance is still showing and has been reported to the bureau as a payment instead of deleting the tradeline as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
i don't know who this company is and they are claiming it's kaiser debt but i pay XXXX directly XXXX, i don't owe them any money as i have always been current with kaieser

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a customer of Chase Bank for nearly 17 years. 
The COVID-19 pandemic has devastated the world, and I am sad to say has affected me and my family in unexpected ways. I live in XXXX NY, classified as a red zone, and at that the time I missed a payment, and it was reported to the credit bureau. I called Chase Bank on XX/XX/XXXX, XXXX and XXXX, 2021, to request a removal from my account pursuant to the CARES ACT and Chase has refused. I explained my personal situation- death and quarantine but they do not care about the financial impact this will have on people who have experienced the worst financial, emotional and mental catastrophe in their lifetime, and how this will affect them later on. Of course I will be closing my account after 17years but in the mean time I am trying to get the late a payment removed from my credit report so I can try and recover from this devastation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: FL

Complaint narrative:
I have sent via certified mail an Identity theft packet relating to some information on my consumer report that is reporting as a result of identity theft. After reviewing my consumer report I have noticed that information has been reported and shared without my consent and as a result of identity theft my private, personal and confidential nonpublic information has been been breached. I have attached the FTC Identity theft report, a police report, and my identifying documents. The company XXXX XXXX XXXX has shared adverse information onto my consumer report without my consent in an effort to damage my general reputation. I am making a record of these events should further litigation be required. Pursuant to 15 USC 1681c-2 ( a ) I have sent everything required in order for EQUIFAX to block and remove this information within 4 days of receipt. I have clearly communicated this matter of identity theft both in the included documentation and in this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
ON XX/XX/XXXX " XXXX '' ASSURRED ME THAT THE {$29.00} RETURN FEE DUE TO XXXX XXXX XXXX ERROR WOULD BE REMOVED. 
I HAVE BEEN A CUSTOMER SINCE XXXX, AND HAVE NEVER HAD A PAYMENT RETURNED. IN FACT, PAYMENT OF {$85.00} WAS NOT EVEN DUE. I HAVE MADE A TRANSFER OF XXXX TO A DIFFERENT CARD AND THE {$29.00} FEE STILL REMAINS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

CACH LLC/RESURGENT CAPITAL is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 

CACH LLC/RESURGENT CAPITAL have used abusive, deceptive, and unfair debt collection practices.

CACH LLC/RESURGENT CAPITAL have violated my consumer right to privacy, I NEVER gave them any my information directly and CACH LLC/RESURGENT CAPITAL has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the CACH LLC/RESURGENT CAPITAL civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Repayment plan Show Deferral or partial claim Show Modification Show Show I have offered all these options to help get back on track for my forbearance due to Covid and they keep telling me they want the full payment. Its always been a struggle to deal with this company. I even had to file bankruptcy which thank God I finish it last month in XX/XX/XXXX XX/XX/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 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Pursuant to my original complaint # XXXX XXXX XXXX promised to send a gift card for {$100.00}. The card was not sent. Below is teh script from his response : On behalf of PennyMac, please accept my sincere apology for any frustration and confusion you experienced as a result of this matter. PennyMac strives to provide quality service to all of our customers. Your feedback is very important as we are constantly looking for ways to improve our services. As a gesture of goodwill, a gift card for {$100.00} will be sent to you under a separate cover. Thank you for allowing me to address your concerns. In accordance with the Real Estate Settlement Procedures Act ( RESPA ), you have the right to request documents that we relied upon in reaching our determination ; therefore, I have enclosed the supporting documents for your convenience. Should you have further questions related to the matter above, you may contact me directly at ( XXXX ) XXXX, extension XXXX. My office hours are XXXX XXXX  to XXXX XXXX PT, Monday through Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: MA

Complaint narrative:
Midland Mortgage is being difficult and not offering any post covid forbearance help on my FHA loan asking for unecessary documents to delay it, they bought out the mortgage at the time it was going into forbearance from XXXX who was always difficult to deal with. I've asked to be assessed for covid relief after coming out of forbearance only to be treated rudely from them. I've had to get an attorney with XXXX XXXX and will do the same if Midland doesn't respond soon with my loan modification documents, I've called and emailed them including the Vice President. Midland did send me a bill for almost {$30000.00} due the very next day after coming out of covid forbearance XX/XX/XXXX due XX/XX/XXXX in full. I know this Company is bad news and likes to cause people problems after reading similar complaints online at XXXX. I'm requesting my loan documents regarding a modification loan be sent directly ASAP!

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 2021-10-04 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: NC

Complaint narrative:
XX/XX/XXXX I entered into a 12 month covid relief plan over phone with XXXX in which I would not be responsible for making payments per federal policy. When I checked my credit in XXXX of XXXX in preparation of restarting payments my credit had dropped significantly as 12 missed payments had been placed on all three credit bureaus. I had been traveling as a XXXX XXXX XXXX fighting XXXX  and had not been home in months. I contacted XXXX and they made everything current but refused to remove the late payments from my credit. The representative instructed me to dispute it with the individual bureau which I proceeded to do. Each time my dispute came back that XXXX insisted my payments were late. This is predatory and life ruining and preventing me from purchasing a home.

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 2021-10-04 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: NC

Complaint narrative:
XX/XX/XXXX I entered into a 12 month covid relief plan over phone with XXXX in which I would not be responsible for making payments per federal policy. When I checked my credit in XXXX of XXXX in preparation of restarting payments my credit had dropped significantly as 12 missed payments had been placed on all three credit bureaus. I had been traveling as a XXXX XXXX XXXX  fighting XXXX and had not been home in months. I contacted XXXX and they made everything current but refused to remove the late payments from my credit. The representative instructed me to dispute it with the individual bureau which I proceeded to do. Each time my dispute came back that XXXX insisted my payments were late. This is predatory and life ruining and preventing me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: CA

Complaint narrative:
I NEVER RECIEVED ANY COMMUNICATION FROM THIS COMPANY, I SPOKE TO XXXX AND THEY SAID I DONT OWE THEM ANYTHING, IM CURRENT. 


I WANT THIS DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying for 9 months to correct my credit report and score with hours on the phone, reporting, mail etc. I CAN NOT GET HELP! 

According to Equifax, my score is lower because of late and or delinquent credit cards. I DO NOT have ANY late or delinquent credit cards. They won't fix it because they can't do a dispute because I don't have anything specific to correct. 

I am including a screen shot showing the incorrect information and a copy from the Equifax site showing I DO NOT have ANY late or due payments. I don't even have a credit balance. 

PLEASE HELP!

Company response to consumer: Closed with explanation