vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 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: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
One day when my card was declined, I called into the bank and discovered multiple purchases that I did not make. The representative told me some of these were online purchases. After filing my disputes for the fraudulent unauthorized transactions, I asked specifically for the names and addresses for billing and shipping for the purchases to demonstrate I did not make the purchases, as well as to assist in any legal prosecutions. 

There are two separate claims because some of the transactions were pending at the time, and I had to call into to file another fraud claim on them once they had cleared. 

The bank decided that I had authorized the larger of the two claims. In their decision letter, the information I requested was not provided, and no evidence nor explanation was provided to as to how the bank came to that conclusion. I firmly maintain that I did not make nor authorize any of the transactions. 

The bank informed me they had decided the second claim in my favor and that payment of it to my account was pending, but I have yet to receive it after almost 2 weeks. 

Claim 1 : XXXX Claim Amount : {$570.00} Result : Bank claims authorized. 

Claim 2 : XXXX XXXX XXXX : {$110.00} Result : Bank decided in my favor, but has yet to pay me 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 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have contacted XXXX XXXX XXXX multiple times and advised them that this debt is not mine. They have insisted it is mine, refused to supply any documentation to prove it is mine and have since sold it to a collection agency Midland Credit Management. They constantly call and send me letters attempting to collect on this debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Funding is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt was reporting on there. I was very confused because I had previously been garnished for this debt and it was taken care of. However, now they are still reporting a balance and it has been a very long time. I do not owe this debt and they must remove this from my credit file. They are in violation and it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 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:
XXXX XXXX XXXX XXXX in XXXX, AL incorrect information. I have sent numerous letters and called several times to rectify this situation of inaccurate credit reporting. This inaccuracy of credit reporting hinders the overall security in factoring that credit reporting agency report accurate data. I have been unable to successfully have these negative marks on my credit be removed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX, AL incorrect information. I have sent numerous letters and called several times to rectify this situation of inaccurate credit reporting. This inaccuracy of credit reporting hinders the overall security in factoring that credit reporting agency report accurate data. I have been unable to successfully have these negative marks on my credit be removed and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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:
XXXX XXXX XXXX XXXX in XXXX, AL incorrect information. I have sent numerous letters and called several times to rectify this situation of inaccurate credit reporting. This inaccuracy of credit reporting hinders the overall security in factoring that credit reporting agency report accurate data. I have been unable to successfully have these negative marks on my credit be removed and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
This is regarding lien release for Loan # XXXX. Mortgage company is Mr Cooper ( their phone number XXXX XXXX XXXX ). The loan was paid in full in XX/XX/XXXX to Mr Cooper. They made a mistake when releasing the lien. On the lien release they incorrectly referenced and released a previous loan that I took on the same property in XXXX ( which already had a lien release ). They were supposed to do the lien release on loan I had with Mr Cooper ( loan that I took out in XXXX ). So they really have not issued a lien release for the the loan I took out with them and by law they were supposed to do it wihin 30 days of payment? 

So I am unable to refinance as the title company wont sign off until they release the right loan number ( and the right document number, referencing the loan I took out in XXXX ). I could refinance at 2 % right now, which is a full point below what I am paying right now and they are harming me financially. Not only am I paying 1 % more but I am at risk of loosing this rate as the new financing company wont hold the rate forever. So I may be stuck on paying 1 % higher for the term of the loan which is 15 years. Over the life of the loan I will be paying thousands more in interest I contacted their customer service department in the beginning of XXXX and I have escalated to XXXX XXXX on XX/XX/XXXX, so it has been almost three weeks and I have not received any status info from the escalation department, other than to say they escalated to the executive team but has not received any info since the three weeks I submitted the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
Try to do a FHA streamline refinance with AmeriSave at a rate of 2.25 everything was good as of XX/XX/2020 but than this company started a delay tactic asking for repeat documents pay stubs and payment proof of mortgage and tax statements for three months change the closing disclosure 4 times and started for XXXX up front and than on day of closing demanded XXXX otherwise there were going to raise the rate up to 2.75 while still holding a up front appraisal fee when no appraisal was done

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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 am extremely mad because I've been calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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 am extremely mad because I've been calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ARS National Services, Inc.
State: AR

Complaint narrative:
PLEASE BE ADVISED THAT I GOT MARRIED AND HAVE CHANGED MY NAME TO XXXX XXXX XXXX, ON XXXX XXXX XXXX ACCOUNTS WHERE XXXX XXXX XXXX XXXX XXXX PLEASE FURNISH HISTORIES IN TRADELINE AND SOL EXPIRED. OLD NAME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
We purchased our mortgage with XXXX XXXX Within the first month the mortgage was sold to XXXX XXXX. The servicing contractor is M & T. They reached out to us and advised us that the homeowners insurance is XXXX and the principle balance is XXXX and we needed to get replacement value coverage. I reached out to my agent for the insurance and they advised the dwelling structure coverage is for replacement cost of XXXX. The land is not insurable. 

I spoke to XXXX XXXX at M & T ; they are demanding we get gap insurance for the difference between the principle balance and the dwelling cost. My insurance agent is not able to increase the value of the replacement cost without proof of significant improvements since purchasing in XXXX. We have not improved the property. M & T are advising they will purchase an additional insurance at our cost if we do not increase the amount. I have been advised by my insurance agent and XXXX that this is a common issue with M & T and that the Florida Law is not being followed : Florida Statute Section 690-167.009. 

No Mortgage lender shall, in connection with any application for a mortgage loan in this state which is secured by a mortgage on residential real estate located in this state, require any prospective mortgagor to obtain by purchase or otherwise a property insurance in excess of the replacement value of the covered premises as a condition for granting such a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TX

Complaint narrative:
I have a late payment with XXXX XXXX. I sent a letter on XX/XX/2020 and I haven't received a response. My payments were on autopay and I see received a late payment. I need this removed. It's only fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TX

Complaint narrative:
I have a late payment with XXXX XXXX. I sent a letter on XX/XX/2020 and I haven't received a response. My payments were on autopay and I see received a late payment. I need this removed. It's only fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: OR

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I handled whatever debt via modifications that included all loans years ago. Real Time Solutions is aware of this but claims they somehow acquired a debt I modified and worked long and hard resolving with my creditors. Back in XXXX I filed a complaint XXXX with the FTC against Real Time Solutions to stop harassing me over a debt collection they didnt even rightfully own and has been dealt with directly with my creditors. I would like a cease and desist order given to Real Times solutions as they think they can continue this after all this time when it wasnt valid in the first place. Also note they switch stories on which home they are collecting on my rental or primary residence so they know they have no legitimate claim and are making things up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Collection account on credit report. Original creditor XXXX XXXX XXXX. Outstanding collection amount of {$1000.00}. Collection company : Franklin Collection Service IncXXXX XXXX. I have called and disputed with Franklin. They said they would send me complaint form. I have received nothing. The outstanding XXXX XXXX XXXX debt is for a bill in XXXX, Florida. I live in XXXX XXXX, California. I have never been to XXXX, Fl. I do not know anyone who lives in XXXX, Fl. I have 0 friends or family in XXXX. I have always lived in XXXX XXXX, California. This happened to me with a different collections account in Florida exactly 1 year ago to the month. I disputed and it was erased. This time I am not being afforded the same courtesy. I have sent a complaint to the FTC. I have sent letters to the 3 credit bureaus. I am going to hire a lawyer. I am going to file a police report. I will not stop until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX has delinquent for over 30 days and I have paid all payments on time..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Bill was paid in full on XXXX, XXXX took the payment over the phone. Item was turned over to XXXX XXXX XXXX and put on my credit report. I got it resolved with them, and removed off my credit report with that company. Then the bill was turned over to Medical Revenue Service, after being resolved. This happened with 3 Bills. I called and tried to get this resolved and removed off my credit report but XXXX refused to listen or let me talk with a Manager stating that his manager do not have time to talk with me they have more important thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: OR

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Dear Paypal I am attaching my Social Security Card and my Driver 's License photo ID, please review and Lift my temporarily block in my paypal account, thank you I already uploaded to paypal and the outcome is unfair it says : " We couldn't verify your info. Please contact us for more help. '' ( end of quoting ). Dear Paypal I am contacting you here thru CFPB for you Permanently restrict my Paypal account OR fully remove my Paypal restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My attorney submitted a letter to Chase on XX/XX/2021 questioning fees on my credit card and the letter sent to my attorney in response to the initials letter did not answer any of the questions. 

I need to know how Chase reached their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Nationstar Mortgage, XXXX # XXXX, I am a consumer have a few mortgage loans with this company., I believe that my accounts are normal and I pay each monthly payment o time. 
The problem is this company made a a lot machine call to me and just bothering my normal life.. It is not XXXX or XXXX calls, its about XXXX or XXXX calls every days, .the calls have no real content. Just machine say bla bla bla. I try to response the call, it let me waiting for an hour and still waiting. 

I am not sure if this violate any law. as a customer, I do prepare receive call about my account. But such machine call w/o real content is annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
Years ago ( 2006 ) I had a XXXX and XXXX mortgage with Stearns lending. Later my loan was transferred to several different companies ( because of the market crash and Stearns going under/companies experience buyouts etc. ) I eventually got a loan modification with XXXX. I am now with XXXX  and have continually paid my mortgage on time. I am currently in the process of refinancing and when they pulled the title a lien from Stearns lending shows up on the title. The lien was not removed during the loan modification which was through the XXXX  XXXX XXXX program. I have reached out to every company I can ( all except XXXX because they are no longer around ). I can not get anyone to help me remove the lien. The main company who should remove the lien is Stearns lending XXXX or XXXX if they were still around ). Stearns lending told me they would look into it, but now I have heard nothing. This is a mess and is likely going to make it so that I can't refinance the house and will never be able to until the lien is removed. I do not owe the money on the lien because it was absorbed with the loan modification, but everyone wants to point fingers and tell me I need to contact this company or that company. I just want XXXX to do the right things and remove the lien. I tried to contact XXXX XXXX XXXX but basically the program is no more ( its now HOPE or HARP I believe ) so they also said they could not help me to sort it out. I just need someone to please help me with this issue.

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