vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: PR

Complaint narrative:
EQUIFAX INFOROMATION is showing incorrect account in my profile they are reporting ( 3 ) Car loans to my name when there is only one, they are reporting a balance of {$8600.00} when the balance is {$7000.00}, XXXX XXXX XXXX XXXX XXXX was buy by XXXX XXXX and the same loan appears three times with three different balances, I have contacted XXXX XXXX and even made a complaint with consumer finance ( you ) and this still appears same account, same opening date wrong balance, EQUIFAX dont answer, the tools they offer to communicate dont work. My credit card are 0/0/0 well paid and they keep lowering my score all months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 went to dealership to purchase a vehicle Dealership had me fill out application .They check my credit and told me I needed someone else to add to application. I did not want to add anyone else I stressed this to them and told them I would try somewhere else later.I left.The next morning XX/XX/2020 they called me and said I could come pick up vehicle and I didn't need anyone else on application. I went and signed paper work and got vehicle. I recently checked my credit report and seen I had 3 hard inquires on the same day XX/XX/XXXX XXXX knew of dealership checking my credit didn't know of the other 2 hard inquires put on my credit report that same day.I think dealership should take hard inquires off my credit report also because the next day they called me to come pick up the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.

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 2020-09-28 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:
XXXX  XXXX XXXX  Account charged off. {$640.00} written off. {$640.00} past due as of XXXX 2020 Continues listing a new charge off every month Shows balance owed even though should get a XXXX and XXXX  balance if it is a write off First complained that they listed one account as 22 charge offs Now they have it listed at 21 charge offs this is not fair and seems like they are somehow doing this to more people than me and creating a credit report nightmare XXXX Since first complaint Corrected balance but arbitrarily listed date to reflect this month instead of initial charge off date In my first complaint they listed 17 charge-offs now they arbitrarily created 8charge offs These three companies are listing information that can not be trusted whatsoever The XXXX  XXXX XXXX has two accounts listed on with 9 charge offs and one with two charge offs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
On XX/XX/2020 I paid off my mortgage in full. Upon payoff, I was supposed to be reimbursed the proceeds from my escrow account. Despite repeated messages and calls, as of XXXX XXXX, 2020, I still have not received the proceeds from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: LEXISNEXIS
State: WA

Complaint narrative:
lexisnexis consumer center provided information to XXXX XXXX is incorrect. They state I had a speeding ticket on XXXX18 I have not had a ticket in over 40 years. They state I had an accident on XXXX18. I have not. My mother was driving my car and she did have and accident my insurance company did pay. I was not there. I tried getting a hold of this company but you can not They say that they will send a copy of my report within 30 days but my insurance company cancels my policy in 17 days I paid for a copy of my driving transcript with wa state dol and there is nothing on my record XXXX is my auto company coverage and they show nothing So I want to know where they are getting this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a great credit score/history and am able to see and get credit reports from both XXXX XXXX and XXXX. However, my Experian credit report shows that it is unavailable. This is affecting my ability to apply for credit cards etc. I have contacted the company, removed freezes and holds that were on the account from past identify theft, but still my report from Experian is unavailable. I have tried several times to contact them about this issue and am not able to speak with anyone in regards to getting this fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We completed a " Loan Modification Agreement '' ( Providing for a Fixed Interest Rate ) with our existing loan servicer ( XXXX XXXX  ) effective XX/XX/2020. After which our loan was ( Transferred / Sold ) to Select Portfolio Servicing, Inc. on or about XX/XX/2020. A letter dated XX/XX/2020 came to us notifying us that we will have an increase in our interest rate on XX/XX/2020 to 4.5 % and that our payment will increase to {$2300.00}. I immediately called Select Portfolio Servicing and informed them that we had signed that modification with a " Fixed Interest Rate '' and asked them to honor that agreement they ( assumed/ bought ) earlier in the year. The Account service person informed me that they would send that agreement to their " Underwriters '' and that they would contact me  within 5 days. How can this happen with a " XXXX XXXX XXXX '' Licensed under California State laws??? As of the date of this complaint, I have just got off the phone with Select Portfolio and  have not heard any remedy yet. I just hope this sort of " Bait and  Switch '' practices does not extend to anyone else this company services.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: FL

Complaint narrative:
They did not resolve the issue. I have been attempting to get access to my Equifax credit report online. This has been ongoing ISSUE for months. I submitted a complaint with the CFPB TWICE ALREADY, THIS IS MY Fourth COMPLAINT. I have been unsuccessful with Equifax themselves. They responded back that the issue had been resolved IN MY PREVIOUS COMPLIANTS. Which is incorrect the issue has not been resolved. I am still trying to access my credit report. I have disputed some items and I am still unable to view them because I do not have any access. THIS IS NOW MY THIRD ATTEMPT TO CORRECT THIS ISSUE. I CAN NOT ACCESS MY EQUAFAX ACCOUNT. PLEASE SEE ATTACHMENT BELOW. I AM ASKING THAT THE CFPB LOOK MORE INTO MY COMPLAIN EVERYTIME I TRY TO LOGIN INTO EQUAFIX IT DOES THE SAME THING. YOU CAN SEE THE ATTACHEMENT PLEASE ADVISE HOW TO MOVE FOWARD. I HAVE USED THE RESET BUTTON AND I AM UNABLE TO ACCESS MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I RECEIVED A LETTER IN THE MAIL ABOUT A COURT APPEARANCE ON XX/XX/2020 THAT I DIDN'T HAVE ANY KNOWLEDGE OF STATING IT WAS CONTINUED OVER TO XX/XX/2020. I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY AND DO NOT KNOW WHERE THIS IS COMING FROM AT THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: PR

Complaint narrative:
XXXX  XXXX is showing incorrect account in my profile they are reporting ( 3 ) Car loans to my name when there is only one,  they are reporting a balance of {$8600.00} when the balance is {$7000.00}, XXXX XXXX XXXX XXXX XXXX was buy by XXXX XXXX and the same loan appears three times with three different balances, I have contacted XXXX XXXX and even made a complaint with consumer finance ( you ) and this still appears same account, same opening date wrong balance, XXXX  dont answer, the tools they offer to communicate dont work. My credit card are 0/0/0 well paid and they keep lowering my score all months.

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 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
My spouse owes money to a local hospital which they did rightfully so send it to the debt collector Harris and Harris. The amount is approximately $ XXXX. We just haven't been in a position to pay however for the last few months they have been calling her at approximately XXXX est every day for months but have been calling her 3 times per day. I believe XXXX says they shouldn't call more than twice per day. I work for a major studen loan servicer and we're not allowed to call more than twice per day between XXXX and XXXX. They have also been calling her at work every day trying to collect of which I believe per the FDCPA they are only allowed to call to verify employment not to collect. Call records can provided upon request. The debt itself is not in dispute but malicious practices against government regulation such as TCPA and the FDCPA Section 805 15USC 1692d ( 5 ) clearly does state " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number '' call records can be provided upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with  them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Unknown company needs removed XXXX XXXX Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX  that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to First Point collections resources to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you.

First point collection resources Please delete all hard inquires listed in documents and above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
A collection agency, National Credit Systems, is attempting to collect a debt in the amount of {$5800.00}. This debt was originally from XXXX XXXX in XXXX XXXX, SC. due to damage to a property by way of vandalism caused by a 3rd party in XXXX of 2020. To my knowledge, no attempt to collect this debt was made by XXXX XXXX before moving it to National Credit Systems. I was unaware of this debt until late XX/XX/2020. I had requested a hold on the account as soon as I was made aware of it while I attempted to work things out with Northwoods Townhomes but was not granted this. I attempted to reason with National Credit Systems, XXXX XXXX and XXXX XXXX, who is the owner of the property, that this debt is not mine according to the lease agreement drafted and approved by Northwoods townhomes and XXXX XXXX According to paragraph 12 of the lease agreement I can not be held liable for the damages if I am not found to have been negligent, those that did the damage were a part of my household, invitees or guests, or am found guilty of the act myself. None of which had been the case. 
After explaining this to National Credit Systems and requesting validation of the debt I was informed by the agent taking my call that the only verification necessary for National Credit Systems to  continue with the collection was that XXXX XXXX still considered the debt mine despite my legal claim to the contrary. This agent also threatened that a negative mark would be presented to the major credit reporting companies if I did not pay this debt on or about the the end of XX/XX/2020. In early XXXX I verified that this negative mark had been presented. 
I have written letters formally disputing this debt to National Credit Systems, XXXX XXXX and XXXX XXXXl. Each of these companies have respectively told me that it is not their concern, out of their hands or outright ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: CORELOGIC INC
State: GA

Complaint narrative:
The Credit reporting agency is Reporting inaccurate dates on a chapter XXXX I had. XXXX chapter XXXX was discharged in XX/XX/XXXX and for some reason they have changed the discharge from XXXX to XXXX. 
I have had 3 way call with the XXXX Ga. Federal Bankruptcy Court who acknowledge to the reporting agency that they had the wrong discharge date and it is XX/XX/XXXX but the reporting agency still did not Correct the dates like they said they were going to.

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 2020-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage refuses to review our application for assistance. Each time we call to update the status of the file they ask us to send in bank statements that are already there. We confirmed it 3 times with 3 different representatives at Freedom.

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 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I was agreement pay completed amounts and they will deleted from my credit bureaus, this company Harassment by a debt collector says debt collectors can't be deleted and threats of violence speak or reporting information to a credit reporting company harm my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: I.C. System, Inc.
State: CA

Complaint narrative:
IC Systems put a collection on my account dating back to XXXX. Originally it said XXXX XXXX and it now says XXXX. I was not aware of this until XXXX when I checked my credit. I sent a request to the credit bureau XXXX  to verify the validity. On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/XXXX XXXX  sent a letter stating that they had completed the investigation and the items were not deleted, as requested. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. I contacted IC SYSTEMS, XX/XX/XXXX and asked for validation of debt. IC SYTEMS, sent in response a collection notice. I followed up on XX/XX/XXXX with a Certified letter with proof of receipt asking for debt validation. In the letter I gave them 15 days to send this verification. As of this date I have received nothing from them. This is unacceptable!

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 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I dont recognize these debts.

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 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
We booked a XXXX XXXX on XX/XX/XXXX. The first payment charged on that same date, was {$3100.00}. 
Additional monthly charges were : XX/XX/XXXX {$1300.00}. 
XX/XX/XXXX {$1300.00}. 
XX/XX/XXXX {$1300.00}. totaling {$7200.00}. 
We cancelled due to coronavirus on XX/XX/XXXX. XXXX issued a refund minus a {$200.00} administration fee.that date.They told us it may take up to 90 days for the refund to post. totalling {$7000.00}. We waited patiently for 90 days. No refund. After the 90 day mark XXXX I contacted my Credit card company, Barclays Bank XXXX I mailed all supporting documents, [ required after a 90 day window. ] I then waited. 
On XX/XX/XXXX I received 2 letters from them. One stated a dispute was being investigated for {$3100.00}, Case # XXXX .the other for $ XXXXCase # XXXX. I then tried to get in touch with them about my other 2 charges. The dispute office is closed on the weekends.

After a few more attempts, I was able to get thru. A customer service agent told me the other 2 charges weren't being disputed, because I didn't break down the charges by month on my cover letter. I argued, that in my cover letter, I gave the total amount due, explaining the breakdown was in my supporting documents. Only then, did they open up disputes for the other 2 payments.Case # XXXX and # XXXX. These letters were dated XX/XX/XXXX. I have called numerous times about this issue. on : XX/XX/XXXX [ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX On Each of these phone calls, I asked to speak to a manager. I was told a mgr will call me back. To date, I received no calls from a mgr. Usually, In dispute cases, They credit the amount immediately. they have not done this. We are at the 40 day mark, and I feel I am getting the runaround! 


p.s. I have received one credit on XX/XX/XXXX for {$1300.00}.

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 monetary relief
Consumer complaint received 2020-09-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Year after year, I request my annual credit report from Equifax. Year after year Equifax refuses to send my annual credit report as mandated by federal law.

Company response to consumer: Closed with explanation