vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per

Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, 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 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company Jefferson capital slapped this account on my credit report without first sending a notice of my rights to dispute which is a violation of the fcra they also failed to validate this account just as the company before them that they bought this debt from failed to do so as well. That is a violation of the fdcpa..I called this company to have them remove this information because of these violations and they hung up in my face. This company is practicing illegally and I am ready to file a suit if this account is not removed from my credit file immediately!!! They will be fined for each violation if they continue to report this invalid account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Elite Debt Brokers
State: MO

Complaint narrative:
On XX/XX/2020 They call my desk phone at work, my cell phone and then they called my HR manager at work acting as if they are acting on behalf of XXXX county courts representing themselves as a proceedings office reading off allegations using threat tactics if i dont satifsy the account. Leading my employer to believe that i would be served with arrest papers at work.Never once did they state their name and that it was an attempt to collect a debt. I had to find out through the original debtor who they sold the debt to in order to obtain the name of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
I Had XXXX  XXXX in 2016 had no insurance. I live in XXXX. The XXXX bill alone was over XXXX XXXX dollars. There repayment plan was XXXX dollars a month which I don't have. 
I recently received letter from a bill collector representing as a lawyer Sprechman & XXXX PA. Stating I owed {$11000.00} plus interest {$1000.00} ( my Dr does not charge interest ) also my Drs have their own lawyers here in XXXX . This is a collection scam they have negative reviews on their website regarding fraudulent practices. My lawyer indicated to me to file a complaint with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I dispu
te XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item
that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, 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 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have filed Chapter XXXX bankruptcy ( XXXX ) and TransWorld Systems Inc was notified of the bankruptcy by mail so was XXXX XXXX XXXX. TransWorld Systems Inc has still chosen to violate my rights under the bankruptcy protection laws and has sent me a bill and called my cell phone. I called this company on XX/XX/XXXX and again on XX/XX/XXXX reconfirming my bankruptcy filing only for this company to call my JOB the same day. I need the communications to stop and I will officially filing a small claims complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I believe Wells Fargo Mortgage engaged in deceptive practices. 

In XX/XX/2020 I contacted Wells Fargo to look at refinancing my loan, both to get a shorter term and a lower interest rate. I completed the application, and signed a rate lock ( 2.75 % ) with 0 points.

At the time, I was told it would be 60+ days to close, so I asked Wells Fargo if I should send a large lump-sum payment to pay down the principal, or wait until the refinance goes through and use that as a " down payment ''. I was told to go ahead and send the lump sum as an additional principal payment. I have all communications with Wells Fargo that directed this. 

I made the payment in XX/XX/2020. In XX/XX/2020, Wells Fargo contacted me and stated that since my loan balance had been reduced by my principal payment, the rate lock was no longer valid, and I would have to pay points in order to get the rate I was promised. I stated that Wells Fargo TOLD ME to pay down the principal, rather than wait for refinance, to no avail.

I then looked at other refinance options. Since this is a VA IRRL, I quickly received a quote for 2.25 %, with no points. I told Wells Fargo to cancel my application with them. Only after I told them to cancel did they offer 2.50 % with no points.

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 2020-10-12 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: CA

Complaint narrative:
I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XXXX  Case Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed as soon as possible.

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 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Lenders Investment Trading Corp
State: MI

Complaint narrative:
I sold my home in XXXX. I have an escrow refund due to me. RP Funding keeps making excuses about the mail system, incorrect mailing information ect. We are going on 4 months and no refund. I call today XX/XX/XXXX, they tell me we need to wait 7 more days to see if someone cashes the check then another 30 days for it to get here. Anytime they want something from me the mail makes it just fine. But for some reason if they owe me it is hard to get it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Sent dispute letter to experian on XX/XX/XXXX disputing negative items that dont belong to me have not received anything back

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 2020-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I submitted a payment for a normal installment of my loan after the grace period but within 30 days. I was under the assumption that I had made the payment, albeit late, but within the 30 day time after which I would be reported to credit bureaus for a late payment. I assume there was a bookkeeping/technical malfunction, as the payment did not process. I am worried that I will stand to have my credit severely affected by this. I have never had a +30 day late payment on any of my accounts before and want to have this one forgiven/forgotten if possible. 

I want to do everything I can to avoid that late payment and the chances that it may occur again. I have registered in auto-pay with the loaner going forward and called the company  to 1 ) pay both payments for the account XXXX and XXXX payments for 2020 ) and 2 ) see if this instance would be reported The representative from Fifth Third Bank referred me to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: IN

Complaint narrative:
In XX/XX/2020 I asked mortgage company to end my escrow account. I wanted to pay my own property taxes and home owners insurance as for two year they underestimated the cost. Each year my escrow cost increased and I had to pay extra for the shortfall. Mortgage company sent me a letter stating I needed to pay shortfall which I did in XX/XX/2020. Since then I have just been paying interest and principle. Mortgage company keeps sending me notice of missing escrow amount. I have called numerous times in XXXX XXXX and XXXX about this issue. I confirmed they cashed my payment for escrow deficit but they have not updated my account. Their customer service has promised a manager would call me, that problem would be fixed mid XXXX and even a week later in XXXX. All these actions have NOT occurred. Talking with their customer service is useless as these employees can do nothing and they have said I cant talk to anyone in the escrow department Union Home Mortgage XXXX New Jersey

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 2020-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Elite Debt Brokers
State: OH

Complaint narrative:
on XX/XX/XXXX, I received a call from an unkown debt collector threatening to " sue '' me if I did not pay them. This company never identified themselves, nor sent documentation to the addresses listed on the payday loan. They also do not leave messages stating who they are. I called back fearing suit and gave them some information. After giving them credit card information that I should not have given, I attempted to call to correct the issue, but the number given is not the one I can contact, and I received a call from a lady who said they would " locate '' me and tell others about my debt. I filed a complaint here on XX/XX/XXXX with ACE, the originator of the loan, and was able through that complaint to identify the company they sold the debt too. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. This company has never sent any documentation proving the validity of the debt in question so that I may dispute it, nor identified themselves as debt collectors as required by law. The message I have attached shows how they contact debts they acquire. I have looked on their site and it states that the " debt '' was sold to another creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: AZ

Complaint narrative:
I had 2 credit cards with XXXX XXXX  that charged off. I settled the balance with XXXX XXXX this summer 2020 and was told the balance would be deleted from my credit reports. Despite frequent phone calls to XXXX XXXX  where they have assured me they will correct the balance they have failed to do so. Last month they even reported an increase in the balance! This is ruining my credit score that Im working very hard on to improve. It is illegal that despite multiple requests to all 3 credit bureaus they continue to reply that the balance has been validated. I have the pay off documents that show the accounts have a XXXX  balance but I dont understand how the credit reporting agencies keep saying its verified ... how can the balance be verified if its truly a XXXX  balance but they are reporting balances on both accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
My paychecks started getting garnished from a collection agency for a debt I never knew about, the apparent debt is 12 years old, the agency claims they contacted me once 10 years ago, and never again for the last 10 years. Ive never in the last 10 years received any statement, bill, notification, phone call, or any attempt to contact me regarding this alleged debt.

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 2020-10-12 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:
Hello, I have lots of inaccuracies reporting on my credit report which I have tried to solve with Experian. I have sent in two letters but they have not corrected anything. 

Firstly, my personal information is totally wrong even a different social security was showing which I did not recognize. I have also pointed out the addresses and variations of my name to be corrected but it stayed simply unchanged. 

I also have sent in a letter for the items showing that are erroneous but there was no investigation done because everything stayed unchanged from the initial way of reporting.

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 2020-10-12 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: FL

Complaint narrative:
I've attempted several times to resolve this problem I'm having with the credit bureau claiming they are verifying accounts but does not provide any proof with the consumer of how they verified the information. I have yet to receive any letters verifying my signature on a contract. By law I'm permitted to request this information and if the information isn't provided then theirs no proof that the accounts is my account and therefore is inaccurate. I don't have a problem paying the debt I actually benefitted from but I refused to pay for accounts I never authorized to be open and then charged.

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 2020-10-12 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: GA

Complaint narrative:
I obtained a copy of my credit report and found that two companies were incorrectly reporting me as being delinquent on accounts that have already been paid off. I wrote both companies detailed letters addressing these errors and asked them to correct them. Company # 1 made the necessary corrections. Company # 2 has refused to correct the errors stating, " Based on the research, we have determined the account is being reported accurately to the consumer reporting agencies and will continue to be reported in the current manner. '' I have written several letters to Company # 2, made multiple phone calls, and even contacted the XXXX XXXX XXXX, yet nothing has changed. Their refusal to correct this error is unjustly and negatively affecting my credit report and credit scores.

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