vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I called this morning to have multiple inquiries removed from my report that shouldnt be there, Ive sent in multiple disputes requesting that the information be investigated & deleted but Transunion continues to violate the FCRA. I know for a fact the representative of the fraud department was being difficult especially if they could see theres been several disputes sent in regarding 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
Consumer complaint received 2021-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
As of XX/XX/21, my account with One Main Financial is reporting both a judgment and a collection for the same account. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. They should be reporting the judgemet or collection but not both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DC

Complaint narrative:
After completing a deferment agreement, I requested a escrow analysis to determine what my new payment would me. After the escrow analysis, it was determined that my new payment would be approximately {$1100.00}. When I inquired as to why the payment was significantly higher than my pre-covid payments, I was was told I was paying for additional insurance. I explained that my PMI was no more than {$51.00} a month and my pre-covid payments were approximately {$750.00}. I was told there was an additional {$350.00} added to pay HOA assessments. I asked when and how this assessment was added to my mortgage payment and I was told Community Loan Servicing was making HOA payments on my behalf since XX/XX/XXXX. 

No correspondence was ever provided that they would be paying the monthly HOA assessments. There was correspondence that reflected that paid a past due balance on the account of {$16000.00}, but at no point was I informed that were making current payments. I have been paying my HOA assessments since XXXX and was still making those payments. I did not sign a modification agreement which would allow for them to include the HOA Assessments in my mortgage payment. It's my understanding that some of the deferred amount included HOA assessments that were included in loan payments. Problem is, I've been making those payments. No one can provide me with an answer as to why and when this happened. I'm uploading documents which reflect payment details for HOA Assessments from my bank as well as the property management company.

Community Loan Servicing has been making HOA Assessment payments to my HOA from XX/XX/XXXX to present and would've continued to make those payments if I didn't inquire about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: PA

Complaint narrative:
There is a collection tied to a fraudulent account on my credit report and it must be removed immediately! The collection is from XXXX Mobility -- the collection agency is XXXX XXXX and the collection was opened XX/XX/2021. 

I have attached my Identity Theft Report and my identification. You must remove this or I will be suing all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I received a threat to sue me and get a judgment for and foreclose on my HUD reverse mortgage because the accrued interest and charges are exceeding the original loan amount. A reverse mortgage is exempt from any such action and can only be foreclosed if the borrower does not pay all the required property taxes and insurance. This company has illegally and improperly force placed additional insurance on my home even though each time they have requested additional insurance I have increased the amount and paid the additional premiums to my insurance company. My last statement from them includes an amount of {$110.00} charged to my account and {$100.00} refunded for the alleged " shortage '' in my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX  has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit score fluctuations with severe decreases in score without any noticeable, valid reasons. All positive reporting showing on report yet Experian dropped the score negatively impacting me. 

Unable to speak with a live person to discuss or dispute their validity in how the justify their scoring.

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 2021-10-18 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: Bonneville Billing and Collections
State: TX

Complaint narrative:
I have had numerous things put on my credit in past years such as Texas attorney general for XXXX children  that arent mine. Auto loans and credit accounts that were not mine either in the past. The credit agencies had the year wrong on my birthdate up til last year which they changed for me. This past Saturday I checked my XXXX XXXX  app I was looking to trade in my vehicle for a new one. I was pre approved with my credit above 640 Saturday morning XX/XX/2021. When I went to purchase I told sales person I was pre approved with a few companies the dealership contacted the banks and now they wont give me credit. My credit fell almost 200 points in 2 hours? The reporting company XXXX XXXX Im not sure who that is since they told me it was XXXX XXXX well they show an XXXX and XXXX paid but hadnt paid XXXX yet due on the XXXX. I am 6 days late and credit fell almost 200 points. Also when I purchase the vehicle I have now when I signed the contract what I signed isnt what I was getting for finance rate its much higher so I wanted to get out of that vehicle and start a new contract with new vehicle. The fraud now on my credit I cant do anything. Someone is manipulating my credit as they please and it also shows 41 hard inquiries that I didnt make I get pre approved and have only used my credit a couple times ever. No judgements dont have bankruptcy nothing. My drivers license was stolen about 2 months ago which I reported to XXXX county sheriff dept. also my XXXX XXXX app shows now that my credit dropped 16 days ago thats not true it dropped on Saturday the XXXX of XX/XX/2021. Also have a collections that was removed and now has reappeared that is not mine. Thats over XXXX dollars. I hope this is enough information. My email is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc
State: VT

Complaint narrative:
My credit union gave all members new debit cards, so my existing card on file with Uplift was no longer valid. I entered my new debit card into the Uplift system but kept getting this message : " Card is not accepted. Please try a different debit card or connect your bank account ''.

I began the process to connect my bank account. Uplift uses a third party app called XXXX XXXX XXXX XXXX to do this. The problem- which seems like a scam- is that XXXX requires us to give them our username and password to our bank accounts in order to withdraw Uplift payments. 

" Enter your credentials - By providing your XXXX XXXX XXXX XXXX XXXX credentials to XXXX, you're enabling XXXX  to retrieve your financial data. '' I will never give out my username and password. Who would ( rhetorical ). 

So, the only option I'm left with - because I have no other cards to use - is non-payment ( unless Uplift accepts my new debit card ). I want to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
I was in the process of applying for a new equity loan with First National Bank ( FNB ) and got a notice midway through the process that my existing equity line was canceled due to non-payment. When I discussed with the bank ( XXXX ) he explained that there was an interest amount applied to the loan after I paid the debt off in XXXX for {$31.00}. I went back and reviewed my online balance due and it stated that {$0.00} was due and he said that there was an issue with their website and phone application and that when I paid it off in XXXX that their system did not show a balance due, but there was in fact a payment due of {$31.00} so I immediately paid the amount on XX/XX/XXXX. Days later I find out that they have reported my delinquency to the credit bureaus and my credit score had been dropping from XX/XX/XXXX to XX/XX/XXXX. This dramatically affected my score XXXX points and I asked them to correct this. They stated that they sent electronic statements to the website even though their balance summary was incorrect and they will not resolve. I think this is highly unfair and needs to be addressed. XXXX at FNB clearly stated that this was a software issue on their side and have known about it for some time because this is not the first time he has heard of the issue. Can you please assist with them correcting my credit score with the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has an account XXXX XXXX XXXX  with no ( Closed Date and No Information ) therefore transunion is reporting inaccurate information and reporting inaccurate information according to fcra is a violation.

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 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I sent a certified leter to Choice Recovery requesting validation of a {$1500.00} medical debt. As of XX/XX/XXXX, the company neither responded or removed account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
My medical debt was paid by me on XX/XX/XXXX {$680.00} to Harvest Associates Inc and I received a receipt it was paid. Requested it to be removed from my credit immediately. 
Called my medical insurance company on XX/XX/XXXX and was told they paid the debt as well on XX/XX/XXXX {$650.00}. I requested a transcript of all medical payments for XXXX since I never received them. 
I contacted XXXX XXXX XXXX XXXX XXXX and was told they did not know how to retrieve the virtual payment online, per the associate. Per a three way call with XXXX XXXX to my insurance company. I was able to get the insurance company to stop pay and reissue the payment sent on XX/XX/XXXX. Did three way call again another 2 times for payment to be reissued. 
Faxed copy of payment receipt to XXXX XXXX XX/XX/XXXX. My Insurance company would not allow me to cancel a payment to be reissued. Had to come from XXXX XXXX. 
Tried to get my insurance company to make the payment to me on XX/XX/XXXX was told the XXXX XXXX XXXX billed them it had to be paid to them. 
I faxed XXXX XXXX copies of receipt from Harvest Associates payment on XX/XX/XXXX and XX/XX/XXXX. Did not receive any contact from XXXX XXXX until XX/XX/XXXX requesting payment and I explained the issue again. 
I received a text to pay the {$25.00} co-payment on XX/XX/XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX to tell them again the bill was paid in full to Harvest Associates and I will not be paying the {$25.00} co-payment until I receive a refund of {$680.00}. 
Per XXXX XXXX XXXX no one reported to them it was ever paid. Per XXXX XXXX they contacted Harvest, on XX/XX/XXXX was waiting on response. 
On XX/XX/XXXX XXXX XXXX sent them a copy of the receipt again and was told it had to be researched. Not sure why, its a receipt they provided to me on XX/XX/XXXX. Called Harvest on XX/XX/XXXX, to avoid this letter and was told I would get a call back on Friday XX/XX/XXXX or Monday XX/XX/XXXX with a refund status. The owner that cuts the checks will be out till Friday XX/XX/XXXX or Monday XX/XX/XXXX. No contact from Harvest. 
I feel Ive been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX CAINE & WEINER Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE & WEINER I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XX/XX/2021 I sent a certified letter requesting that the {$700.00} debt on my credit report be verified. It was not verified nor was it removed after 30 days of receiving dispute letter.

Company response to consumer: Closed with explanation