vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
I was selling my home and my original loan mortgage was transfered from XXXX  to a company called statebridge company LLC who has reputation of mishandling accounts and not responding according to past reviews. During the move and changeover I must have missed a payment date during the move of accounts but once I finally contacted the new company and they responded the balance was paid. Request this negative rating be removed from my credit report 's as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: AL

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: WA

Complaint narrative:
I have a debt on my Credit report that should not be on there.XXXX XXXX {$360.00} should be taken off my Credit Report.I sent a 609 letter XX/XX/2021 and havent got a response yet from TransUnion.

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 2021-07-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
on XX/XX/2019 I filed bankruptcy with the USBK court of XXXX. I withdrew the bankruptcy request on XX/XX/2019. I never completed the process and was never granted bankruptcy for this filing. I have contacted the XXXX  of XXXX  and they have stated that they DO NOT report to the credit bureau. 

I submitted a dispute to TRANSUNION to have this item removed from my credit as it is reporting incorrectly on XX/XX/2019. I received a response saying that it was verified as correct. 

I resubmitted my dispute on XX/XX/2019 stating that they could not have verified when the XXXX    Court of XXXX  stated they do not verify with the credit bureau. I also submitted the same request to XXXX  and they removed the credit report when they verified. I sent all of these items to TRANSUNION and they can not provide me with the source they spoke with at XXXX COurt of XXXX  to verify this account is valid.

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 2021-07-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This account is from a business account not my personal account. The company was severely impacted by covid 19 and has not been able to revive. This should not be reflected on my personal credit as I have struggled to maintain a respectable credit history and find it unjust that they would tarnish my personal credit because my business was so badly impacted by Covid 19 that it was unable to pay this credit card. I ask that this be removed from my personal credit history as it's a business account and should reflect solely on that. This was a hard situation to go through as a business and going further to try and attack me personally is simply unjust and unnecessary. No one was prepared for the impact Covid 19 took on our world why go the extra mile to make this that much worse is beyond me.. I ask that you please help me in this situation. Thank you in advance for your understanding and help. 

Kind Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX, Understand my rights as a Federally protected " Consumer ''.

Fair Debt Collection Reporting Act ( FDCPA ) 15 U.S. Code 1692. ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code 1692a - Definitions ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Please be advised XXXX  XXXX XXXX has been reporting false/Inaccurate Information to my consumer report. According to 15 U.S. Code 1692g - Validation of debts I have asked the company to present me with : Original Debt Instrument SIgned Contract Video, SIgnature, or Evidence that I am the One who committed such charges. 

Lastly, while speaking to a representitive they have the wrong address for me an address that was associated with fraud and they continue to report this information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive been a victim of identity theft

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 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC
State: PA

Complaint narrative:
I am the victim of identity theft and my information was used to open an apartment lease in the XXXX, GA are. I have already filed a police report and have had several of these accounts discharged as a result of both identity theft and the fact that I have never even been to XXXX. The most recent was from the management company of the apartment complex that the accounts were opened at.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
on XX/XX/2019 I filed bankruptcy with the USBK Court of Arizona. I withdrew the bankruptcy request on XX/XX/2019. I never completed the process and was never granted bankruptcy for this filing. I have contacted the Court of AZ and they have stated that they DO NOT report to the credit bureau. I submitted a dispute to EQUIFAX to have this item removed from my credit as it is reporting incorrectly on XX/XX/2019. I received a response saying that it was verified as correct. I resubmitted my dispute on XX/XX/2019 stating that they could not have verified when the USBK Court of AZ stated they do not verify with the credit bureau. I also submitted the same request to XXXX  and they removed the credit report when they verified. I sent all of these items to EQUIFAX and they can not provide me with the source they spoke with at USBK COurt of AZ to verify this account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/21 we initiated a home loan refinance with our current mortgage company, PNC. We chose PNC thinking that the process would be simpler and our loan officer estimated a 2-3 month timeframe to close. We did not close until XX/XX/21. Our refinance was for $ XXXX and we had $ XXXX in our bank accounts. My husband and I have been employed in our respective positions for over 10 years each with excellent credit ratings and income over $ XXXX per year. We provided PNC with copies of our bank statements and paystubs at least 5 times over the course of this process. We found the staff at PNC to be unprofessional and unresponsive. We are unsure whether the delay in our loan was due to PNC 's incompetence or due to PNC 's financial incentive to continue our mortgage at the higher rate. Our loan is finally now secured but we feel it is important to register this complaint for the good of other prospective mortgagees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XX/XX/2021 I was summoned to court because of a debt that was said to be mine, I denied the debt while in court, and stated that I wanted to see if we could come to a settlement. A letter was sent to me with the stipulations of the settlement, and I have been paying the settlement every month, but I couldn't sign something that I didn't agree with. After speaking to my attorney, I was told that I can fight this. So on XX/XX/2021 I sent a letter to Midland Credit Management sighting all of the laws under the FCRA that have been violated. I have attached the letter to this complaint. But in short, this is what I am demanding : According to 15 USC 1692i ( b ) Authorization of actions - Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Further 15 USC 1692c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681n ( a ) IN GENERAL - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

At this time, I am demanding that this case be closed, this be removed from my credit report and actual damages be paid out as a settlement to my in the amount {$2400.00}. This includes the ( 2 ) two listed violations that your company has committed and the ( 5 ) payments of {$98.00} ( totaling {$490.00} ) have been paid to your company as of XX/XX/2021. 
Please send the settlement letter with the details that I have included in this letter, to the above address I have provided ; I am expecting to have this matter taken care of within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX had sold my debt from account ending in XXXX to the debt collector " XXXX XXXX XXXX  '' at some point after my account had closed for non-payment. Finally being in the position to be able to pay my debts back and work on my credit, I negotiated a settlement with XXXX for {$270.00}. I paid this on XX/XX/21. I had called every single day to get some sort of email confirmation of this, and every day they had told me that it would be sent within 24 hours to my email address. I then finally received this " receipt of payment '' on XX/XX/21 after having called three times. In every conversation I have had with them on the phone it was made clear this debt was settled. I then disputed this debt with the tool on XXXX XXXX, which I believe is linked to Transunion. It then said it resolved my dispute, but that 83 % of the balance limit on the account was still unpaid. Thus it said it's investigation concluded that despite paying {$270.00} to settle, I had only made a partial payment and still had an unpaid balance of {$410.00} on my closed account. I disputed this a second time to no avail. If they could obtain the information of the amount I had paid, then the information that it had been settled could have also been obtained if it had been reported honestly as to the settlement agreement made. This is not a unique situation with debt collectors and I believe I am victim to deceptive practices regarding obtaining payments.

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 2021-07-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive been a victim of identity theft

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 2021-07-18 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: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
On XX/XX/2021 at XXXX, I received a call from XXXX XXXX ( NMLS ID # XXXX ) about information I submitted online about a refinance. During the phone call, I asked if I would even qualify for a refinance and told him I just wanted an idea on the numbers I might get. A few minutes later he stated that my credit and my partner 's credit wasn't pulling for him. I told him I had just lifted credit freezes from XXXX  and XXXX. after he still couldn't get the credit to pull he stated that " for security reasons, I need both full social security numbers ''. I asked him if this would be a hard credit inquiry and he stated several times it was a soft pull. I agreed to the soft pull. After he pulled the credit I and my partner received credit notifications that a hard inquiry had been processed and it dropped my partners credit 3 points which resulted in her credit score not being in the excellent range. After we received the notifications, I immediately notified him that he had pulled a hard inquiry and we had not authorized him to do so. He responded by saying " I don't know what you're looking at or where you're getting your information but I assure you that I pulled a soft credit inquiry and that all inquiries show. '' I repeated that I received notifications from the major credit bureaus that there had been a hard credit inquiry to both of our credit reports. After that, he started asking us about our employers and we asked why he needed that information when we just wanted to know general information based on our debt and income. He stated he just needed it to fill out the information on his screen. We stated we did not want to apply for a mortgage at this time. He stated he wasn't setting up an application and asked again for our employer information. At this point we ended the call. Immediatly, I checked my email which had an email sent by Mr. XXXX at XXXX, that stated a mortgage application had been started. 

At XXXX XXXX, I called Amerisave 's customer service team and who said she would report this information to Mr. XXXXXXXX XXXX  supervisor and have them reach out to me to correct the issue. 

Also, I tried to report this to the credit bureaus but they require you to call during their business hours.

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 2021-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I applied for a refinance through New Rez, my mortgage company, in XXXX of XXXX. 
This company strung me along for months, sometimes asking for docs, sometimes w/o a word.I complained by phone, numerous times. I finally got a denial of application XX/XX/XXXX. This process was excruciating, during a time I needed the extra support. In XXXX I lost my job which was with a nonprofit. I was not able to attain unemployment because of the status of contractor for nonprofit. The situation became worse. It should not have taken New Rez, more than 6 months for this process which ended in denial.This company, formally know as XXXX, has been my mortgage co. for 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies but I was told to dispute with the credit bureaus. Ive disputed with the credit bureaus several times but XXXX  is the only bureau that removed the inquiries. XXXX  and Equifax have not removed those inquiries. I have not given my authorization for the inquiries and I do not recognize any of the companies. Ive asked for them to send me written proof of my signature of authorization and they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-07-18 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: TX

Complaint narrative:
fcra violations see attachments : remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit FCRA violations please send me proof of this late payment RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit FCRA violations please send me proof of this late payment Account Name XXXX XXXX XXXX Account Number XXXX please understand if I miss something I might have to report it at a later date I'm not the expect at credit Im a POLICE OFFICER : XXXX county sheriff 's office

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Recieved a phising text message about my Chase account having been locked with an URL attached, that was suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Well I been with Experian for over a year pay my utilities on time each month and there is no boost it's false advertising they are messing with people credit scores I pay electric, phone, internet, XXXX but it always says don't see utilities everyone I have talked to always have a different stories

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