vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am repeatedly seeing incorrect information in my credit reports that is either not updated continuously, or incorrect information is constantly being reported. It is not fair to be held to a standard to information in your credit report, but the information being reported continues to be reported inaccurately. For example, there is information that was reported on an auto loan that I just paid off beginning of month of XXXX, that was just reported showing that it " changed accounts '', and was included in the Chapter XXXX bankruptcy. This bankruptcy was discharged many many years ago and has nothing to do with this auto loan, that has now been paid off. Further more, information from this same company reported a late for the month of XX/XX/2020, when I was waiting for them to confirm my new monthly payments, as my previous contract had expired even though I still had a large balance of {$3500.00}. Someone needs to look into this because obviously no one is really managing this, but the information is quick to be uploaded to your account to affect your history. This is unfair and I think I need to get my lawyer involved so that he can review what is going on with these credit bureau companies, and these Creditors that are reporting inaccurate information constantly. This is my first step. My next step is to get my lawyers involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I received a letter from my mortgage company, Carrington Mortgage services , LLC, stating I had an estimated escrow shortage of {$350.00} and if I wanted to prepay that, I could otherwise my monthly mortgages payment would Increase. This happens every year that my mortgage payment increases Whether I pay the estimated escrow amount or not. So I decided to figure out what I was doing wrong and pay that as well to keep my monthly payment t the same. Especially with the pandemic and decrease in income Ive experienced. 
So I figured out my insurance had also increased $ XXXXmonth which would total to $ XXXXyr. On XX/XX/XXXX I called the mortgage company at XXXX XXXX XXXX XXXX aN spoke with a woman named XXXX. She agreed that my numbers were correct and said I could Prepay a total of {$510.00} towards the escrow therefore the estimated Escrow shortage and the Actual insurance increase would be paid and my monthly mortgage payment would stay the same. She told me to call back on Friday XX/XX/XXXX and check to make sure the escrow analysis was completed and to make sure the payment was the same. I did what she said but XXXX answered the phone and said that this was not possible that I could only preepay the estimated escrow shortage for next year, i could not prepay the extra Insurance increase to keep the monthly mortgage payment from going up. And that I would be getting a refund for the extra {$160.00}. I asked to speak to a supervisor and XXXX came on the line and said the same thing- I asked why would XXXX tell me I could and she said She did not know but she gave me the wrong information. I clarified with her That I coukd pay and ESTIMATED escrow shortage, but I could not pay an ACTUAL. Insurance Increase. ( Which by the way is the same thing just different language - both are increases in my mortgage as you well know. They just word it differently. ) She said no I couldnt bc they dont set the insurance rates. I responded that I knew that but they charge me for them. If its an actual amount that set its much easier to deduct than an estimated amount. 
She was not budging and was feted nothing else. By the way, on XX/XX/XXXX when I got home from work I had my new bill from the mortgage company, ,which I assume was generated by the escrow analysis that was done on XXXX when I called and made the prepayment. It had the increased New Monthly mortgage payment nicely printed and in my mailbox. Ive yet to receive the refund check for {$160.00}. 
I will add the paperwork In the order it was received with this complaint. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: EMCC Holdings, LLC
State: CA

Complaint narrative:
Due to the Pandemic EQUIANT FINANCIAL SVCS starting reporting a late payment that I since been on time. 

EQUIANT FINANCIAL SVCS never reported on my credit before the Pandemic in which I was blindsided nor warned they were going to do so in order for me to correct any problem. 

Now for Some reason they are reporting negative history on my account that is affecting my score. 

I'm current and baffled why are they reporting on my credit file after my initial dispute they removed it. 

This is a mistake and I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
According to a credit report I received on XX/XX/2020, Financial Commonwealth Systems,  address listed as XXXX XXXX XXXX, XXXX XXXX, PA XXXX, phone listed as ( XXXX ) XXXX has falsely reported that I missed payments and am now in collections. 

I am unaware of any outstanding or unpaid debts to this creditor. I have not been notified in writing or by phone of any late or returned payments. I have been making regular payments to XXXX XXXX XXXXXXXX XXXX XXXXXXXX since the account was opened. It appears as though Financial Commonwealth Systems has assumed the account but I never received notification or request to change payment address to this new assignee. 

I am unaware of Financial Commonwealth Systems and I did not open an account with this agency on XX/XX/2020, as reported on my XX/XX/2020 XXXX  Credit Report. 

I have sent written notice to this agency demanding they amend the credit report and have also filed a dispute with XXXX. 

Account # with the prior creditor ( " XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ) is listed as XXXX. 

I have received no written notices from Financial Commonwealth Systems regarding late or missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$28000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.

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 2020-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
During the months of XX/XX/2017 to XX/XX/2017 the bank agreed to place my account in a loan modification. This created hit to my credit as payments were placed in escrow and not reflected as paid. The underwriter rejected for several reasons and new submission were required. The process didnt account for payments to be made to keep my account in good standing during this time frame negatively effecting my account. I contacted the bank to move my money from escrow to pay my payments because these two departments dont speak to each other.

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 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I have received repeated emails from this company claiming that I owe a debt that I am completely unaware of and know nothing about. It is strange that I have been getting emails, but I did not realize the seriousness of this until recently. The information states that I owe a debt from a company called XXXX XXXX  that I do not owe. Please research your records and get this corrected immediately or I will be forced to take legal action here. In 2006, I found that I was a victim of identify theft, and I received a Judicial clearance from the judge attached, that shows that I was a victim. I was told that someone was using my information and it would be hard to control, but I have to put a stop to these inaccuracies immediately. I will contact my lawyer because this is getting out of control and out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$28000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.

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 2020-09-13 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$28000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a late payment notice on my credit history report for paying XXXX XXXX a day late and would like that removed because I tried to pay a day prior and their site was running slow. The payment XXXX sent to collection isnt fair because the hospital that charged me didnt ask for my insurance. XXXX card is charging me for money they already had!

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 2020-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I settled my mortgage dispute with Selene a year or so ago and as part of the agreement which I will include with Selene was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from Selene should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations. 

XXXX  also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! XXXX XXXX system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: FL

Complaint narrative:
It seems like every year for a decade have had issues getting my annual free report with Equifax which trends like this means it's most likely intentional which the entire process sure seems like to make it easy one has to pay for outside services ... 

I may have gotten a credit question wrong as in reality when some has decades of credit history, perhaps just makes sense to just try a different question!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i having trouble using my card im days away from being XXXX  and recently just got over symtoms of XXXX  i can barley use card without them restricting it this is the 3rd time ive tryed to resolve this with them they told me to transfer my money to other bank and when i tryed they placed a hold on my account again im tired of this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial
State: CA

Complaint narrative:
I have received repeated emails from this company claiming that I owe a debt that I am completely unaware of and know nothing about. It is strange that I have been getting emails, but I did not realize the seriousness of this until recently. The information states that I owe a debt from a company called Spot loan that I do not owe. Please research your records and get this corrected immediately or I will be forced to take legal action here. In 2006, I found that I was a victim of identify theft, and I received a Judicial clearance from the judge attached, that shows that I was a victim. I was told that someone was using my information and it would be hard to control, but I have to put a stop to these inaccuracies immediately. I will contact my lawyer because this is getting out of control and out of hand.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I went to an atm to withdraw {$600.00}, it went through the entire process and then when it was time to dispense my money it said error. I proceeded to do it again and the something happened. It said error and went back to welcome screen. I checked my account and XXXX was deducted. They said they investigated and found o errors but refuse to show me the documents to prove it. The atm did not dispense my money or a receipt or anything and my bank who I am supposed to trust did not help me, in fact they closed my account and now I can not even get in touch with anyone, emails go unanswered. Please help The date was XX/XX/20 Two separate transactions for {$600.00}, which total {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I settled my mortgage dispute with XXXX a year or so ago and as part of the agreement which I will include with XXXX was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from XXXX should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations. 

XXXX  also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! Equifax 's system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I settled my mortgage dispute with XXXX a year or so ago and as part of the agreement which I will include with XXXX was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from XXXX should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations. 

Experian also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! XXXX XXXX system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with 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 non-monetary relief