vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
I recently closed on a new conventional mortgage loan through my local lender, XXXX XXXX XXXX , XXXX, located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

Shortly after settlement, the loan was sold to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, and appears to have been immediately re-sold to Flagstar Bank. The loan closed on XX/XX/2019, with a first payment due date of XX/XX/2019. 

I received a payment notice in the mail from both XXXX and Flagstar requesting I make my XXXX payment to both companies. Additionally, the monthly payment notice from XXXX had the correct total monthly payment due, but the payment notice from Flagstar was missing my school tax escrow, so the payment amount they, ( Flagstar ) was requesting was incorrect. I have been going back and forth between XXXX XXXX,  XXXX and Flagstar to try and get a resolution to this, but to no avail. 

In fact, I did a soft credit pull and both XXXX and Flagstar are listing the same mortgage, which has caused my credit scores to drop. 

To add insult to injury, Flagstar recently me a letter claiming my Homeowners Insurance has expired, when this was completely paid in full at closing. 

This comedy of errors on the part of Flagstar bank has caused much emotional stress, and caused my pristine credit to suffer. I have been trying to get this issue resolved for the better part of a month to no avail. 

This is a disgrace and Flagstar should be investigated for their poor loan servicing.

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 2019-10-13 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: ID

Complaint narrative:
I don't recognize this accounts. I never applied for this companies, I don't have any contracts or agreements with this companies.

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 2019-10-13 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: ID

Complaint narrative:
I don't recognize this accounts. I never applied for this companies, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 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:
I am writing to dispute the following information in my file. These items are inaccurate because my name is misspelled and unknown addresses are on my file. I am requesting that the items be deleted to correct the information. My collections accounts are reporting that I owe {$2400.00}. My student loans accounts are reporting that I owe {$47000.00}. My auto loan is reporting that I owe {$12000.00}. All these accounts are showing past due and totaling up to {$61000.00} for 20 accounts on my credit report. I've investigated the errors, submitted several disputes online with documentation, and now I'm reporting this to Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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:
Dispute Report Report ID # XXXX For XX/XX/XXXX. 

Experian Lowered my Credit Score on XX/XX/XXXX From ( XXXX ) to ( XXXX ) Due to ( 3 ) Alleged Late Payments. Their decision was based on information gathered via Their Experian Boost System of self reported accounts paid via My Bank Account monthly payment history.The Account in question were removed by me and transferred to newly attained credit cards as recommended to improve my credit score. As a result of my action Experian Boost during the above stated dates did not identify scheduled payments made to the afore stated accounts due to my removal of said accounts. Nor did Experian contact me to inquire if this information was accurate before lowering my score. Apparently Experian Boost did not formulate a procedure for a situation as mine where accounts from Experian Boost ( MY Bank Account ) are switched to another payment method ( Credit Cards ) .As a result of their neglect and use of inaccurate information attained from my bank account via Experian Boost Program was used to lower My Credit Score. I checked the records of the accounts in question all reveal that the payments in question by Experian Boost were paid on time.My Credit Report History states I have an exceptional payment history prior to and after My Bankruptcy filled on XX/XX/XXXX.Also the other Credit Reporting Agencies show I have never missed or been late for a payment. 
As a result the inaccurate information remains on my Experian Credit Report as ( 3 ) late payments During the period of XX/XX/XXXX and XX/XX/XXXX that lowered my score from ( XXXX to XXXX ) effecting My Overall Score by 35 % .Experian Boost Removed the afore stated account but failed to remove the Inaccurate Informatiom of the Alleged ( 3 ) Late Payments. I need this Information removed from My Account Immediately and My Credit Report Score Restored to the correct amount.

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 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, DLA, DLP, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-10-13 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-10-13 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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, XXXX, XXXX, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, DLA, DLP, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried numerous times to tell all reporting agencies that the debt with XXXX was not mine and that I never even lived at the address listed. I was also part of the Equifax breach. The name listed on the account is not my name, so now I have a copy of my lease!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Last year did a modification with Seterus lowering my mortgage payment to {$780.00} then they claimed there was a shortage of property tax so they raised it to {$840.00} to cover it then mortgage was bought by Mr cooper last year payment was the same {$840.00}, now they claim there is a shortage of {$1100.00} of property tax, and are raising it to {$890.00} until paid in full which I do not understand how there can be another shortage of such a high amount, but they claim when shortage is paid in full payment will be {$800.00} a month not {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have tried numerous times to tell all reporting agencies that the debt with XXXX was not mine and that I never even lived at the address listed. I was also part of the XXXX breach. The name listed on the account is not my name, so now I have a copy of my lease!!!

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 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I have attempted to contact company HR Accounts several times to remove of my report because it was due to identity Theft and I Have called asking for it to be removed as it is hurting my credit file. I have evidence showing that I was a victim of identity theft. They refused to remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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:
I am writing to dispute the following information in my file. These items are inaccurate because my name is misspelled and unknown addresses are on my file. I am requesting that the items be deleted to correct the information. My collections accounts are reporting that I owe {$2400.00}. My student loans accounts are reporting that I owe {$47000.00}. My auto loan is reporting that I owe {$12000.00}. All these accounts are showing past due and totaling up to {$61000.00} for 20 accounts on my credit report. I've investigated the errors, submitted several disputes online with documentation, and now I'm reporting this to Consumer Financial Protection Bureau.

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 2019-10-13 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: NC

Complaint narrative:
I am writing to dispute the following information in my file. These items are inaccurate because my name is misspelled and unknown addresses are on my file. I am requesting that the items be deleted to correct the information. My collections accounts are reporting that I owe {$2400.00}. My student loans accounts are reporting that I owe {$47000.00}. My auto loan is reporting that I owe {$12000.00}. All these accounts are showing past due and totaling up to {$61000.00} for 20 accounts on my credit report. I've investigated the errors, submitted several disputes online with documentation, and now I'm reporting this to Consumer Financial Protection Bureau.

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 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2019 I received overdraft letters and a debit card from Santander N.A about 2 checking accounts. I did not open these accounts. Once I called the accounts are attached to my social security number, but the bank would give me no information. They allowed someone to create an account in my name, but will not close them due to the fact they can't verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-13 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: MoneyLion Inc.
State: UT

Complaint narrative:
XXXX the ticket I issues in on XX/XX/XXXX to update my payment method. I received a response tht my ticket was escalated. The next day my ticket was closed. I messaged the supervisor XXXX who advised me tht she would be taking the issue to the manager over customer care XXXX. I have yet to hear anything bn in regards to my ticket request for an update. My app doesnt even show where my account is at and when I call I either get hung up on, hold for almost an hr, and the form online continues to resolve my tickets when they are not even resolved. I was just hit with 51 points dropped on my credit due to MoneyLions lack of communication. This is no where my fault and I demand tht this be deleted off my credit. I did my part to request my payment to be updated but no one was ever able to assist me. Ridiculous.XXXX is my other ticket number where I had no help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation