vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A few years ago upon checking my credit report, I noticed a collections account listed by Midland Funding LLC with a " placed for collections '' date of XX/XX/XXXX. At that time my credit score dropped due to the listed collection ( which I deny owing ). Up until XXXX of XXXX my credit score had been at XXXX. At that time, I received notification from XXXX XXXX that my credit score dropped 53 points in one reporting period to XXXX. When I researched the reason for this precipitous drop, it showed that Midland Funding LLC had removed the collections account and reinserted the account as a " new account in collections '' in the same period under Midland Funding ( minus the LLC ), thus causing my credit score to plummet. This has caused my credit to drop below XXXX which will make renting an apartment or obtaining auto financing ( which I will need to do in the next few months ) very difficult. I contend that this is wrong, including the fact that Midland claimed the account in collections back in XXXX only to now reinsert as a " new '' account in collection and only removed the LLC from the listing despite it being the same company. This devious tactic should be reversed immediately as well as the collections account being removed permanently from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: OR

Complaint narrative:
Unauthorized inquiry to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Congress made it know to a federal protected consumer that XXXX, Transunion and XXXX must have your written instructions from the consumer. I never gave XXXX, Transunion and XXXX any written instructions no consent is identity theft. They never did their investigation right according to federal law. They never talk to my neighbors friends or associate. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of constructiona ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associat
es of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Remove all accounts

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 2021-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, we requested assistance due to the pandemic and received paperwork in XX/XX/XXXX. The message number for the first request is XXXX. 
Since that time we have been trying to obtain a modification to no avail as we receive conflicting information from the representatives. We have signed, had the documents notarized and returned the document several times to only being given a different excuse. I have resubmitted the required documents numerous times ; however, the review process has not taken placed as I am always advised the documents were not received. Mr. Cooper has sent notaries to my home three times and on all three occasions the documents were signed and provided to the notary only to be advised by Mr. Cooper that they need the signed and notarized documents. One time we were advised the documents were incorrect, the signature isnt legible, documents not notarized, we dont have all of the documents and the list goes on and on. 

I have questioned several times why my fathers name is on the documents for him to sign when he is deceased? The death certificate was provided in XXXX and numerous times in XXXX with the last time being on XX/XX/XXXX. 

As I stated in my XX/XX/XXXX email ( see below ) my father died of a XXXX XXXX and I am fighting to keep my home that I grew up in along with the memories. However, Mr. Cooper is not making this easy and has my family completely stressed. In XXXX we applied for a modification after my father died as the loan was delinquent and encountered the same issues that I am facing in XXXX. At that time ( XXXX XXXX I advised that I wanted to apply for Success in Interest and XXXX XXXX system of record was updated to reflect the Estate of XXXX XXXX. The modification documents were sent, which I signed only to later determine I also signed an assumption of the mortgage. 
We have been trying to make our mortgage payments ; however, each time a representative advises that I did not need to make payments as they were processing the paperwork. It appears they are now trying to take us down the foreclosure path even though on each call the representatives promises not to foreclose and then state documents will be mailed. It is now XX/XX/XXXX and we are still being told they dont have the completed paperwork, the signature was not legible even though I signed the modification papers in XXXX and they could not verify my signature since they didnt anything to compare it to. Again I signed the modification and assumption documents in XXXX. Mr. Cooper was entrusted with handling our and servicing our mortgage but they are breaking our trust by engaging in unfair and deceptive practices. Please help save our home and eliminate the additional stress as we already dealing with the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Money was stolen from our bank account and the bank is refusing to refund it. We were trying to get a refund for a purchase from XXXX ( which ended up being a fraudulent site ) and instead of issuing a refund they took {$4400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I noticed a debt on my credit report that was unknown to me so I promptly wrote a letter on XX/XX/XXXX asking Transunion to verify. The letter was received by TU on XX/XX/XXXX but I never heard a response. I wrote a follow up letter on XX/XX/XXXX which TU received XXXX but I did not receive so much as a notice from either TU or the debt collector. Finally, I sent a third letter on XX/XX/XXXX that TU received XX/XX/XXXX. They sent a copy of my credit report and said they verified the debt but did not provide a method of verification nor did they provide adequate details. The letter was dated for XXXX a almost four months later! I understand COVID and what not but what I really understand is TU made XXXX XXXX profits last year while I paid high insurance premiums struggled securing credit which has supressed my ability to purchase a home.

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 2021-02-13 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am unable to pull my credit report on XXXX XXXX XXXX and on XXXX XXXX it gives me someone eles email linked to my personal information, my wallet was stolen and I'm locked out of my own information I have provided my police report in the documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has the wrong information on my credit report. I was denied a refi car loan because of them. They had a debt collection on my credit report which is not my debt. I had to get credit monitoring to see my credit report when I was accessing the information on my phone. I got my report and cancelled the monitoring service the same day. They should have refunded me my money because according to the COVID fair credit reporting I am allowed one free credit report every month. I called to tell them I wanted my money back, that I had cancelled the monitoring service the same day I was trying to get my credit report. Their web page is deceptive and does not offer a free credit report unless you sign up for this monitoring service when you use a cell phone to try and gain access to your credit report. They also need to remove old outdated information that is older than 7 years. I do not have any bills for a XXXX debt they have reported so I am disputing the validity of the debt information they have published inaccurately. I have a XXXX with the other credit reporting agencies.

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 monetary relief
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
HI there. 

This account was closed in XXXX of 2018. I have returned the apartment and move to a different city. 

I remember I have complained about XXXX XXXX in the past. 

This scammers and other similar, manage to sent a variety of collection notices for small amounts expecting you to pay without verification. 

Imagine this small amount multiplied by thousands of unsuspected customers, who may be cheated with utilities accounts that were closed or transfer. 

All charges related to electricity were payed off and the account closed. 

Please see the XXXX email regarding this account closed.

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 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
I purchased a home on XX/XX/2020 through XXXX XXXX  XXXX. A couple weeks later I received a welcome letter from Loancare/XXXX  XXXX XXXX stating my loan was transferring to Loancare. I subsequently received a statement from Loancare for a XXXX payment ; attached. On XX/XX/2020 I paid Loancare {$2100.00} through XXXX XXXX  bill pay. I later received a statement from XXXX XXXX XXXX for XXXX and XXXX ; after making some calls to Loancare and XXXX XXXX XXXX I learned that XXXX XXXX XXXX never transferred my loan to Loancare. I contacted Loancare several times and no one was able to find any record of me, my account or payment even though I had received a statement from them. I was able to get an email where I could send my inquiry. I then emailed Loancare and provided the welcome letter, XXXX statement, bank statement and ACH trace #. Loancare responded that I needed to provide my full bank statement and a proof of payment confirmation letter, which according to XXXX XXXX  is not something that actually exists.They also immediately closed my ticket without waiting to get any kind of resolution to the issue. I called XXXX XXXX  and they were able to email some proof of payment to Loancare with a reference to my ticket number but wouldn't send it to me. I sent a separate email to Loancare to confirm they received the email from my bank and they responded that they couldn't find me in their system and closed my ticket again without waiting to actually get a resolution. I don't know how they were able to issue a statement and now cant find any record of me and are unwilling to assist in returning this money.

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 2021-02-13 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am unable to pull my credit report on XXXX XXXX XXXX and on XXXX XXXX  it gives me someone eles email linked to my personal information, my wallet was stolen and I'm locked out of my own information I have provided my police report in the documents below.

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint against Experian Credit Bureau regarding XXXX XXXX account. I contacted XXXX to ask about late payments from XXXX XXXX XX/XX/XXXX. XXXX  reported that they did not report any late payments in the year XXXX due to account being closed XX/XX/XXXX. I had no late payments during the year of XXXX and have never been late with any payments to XXXX. XXXX rep said that they havent reported any late payments and that Experian must have reported those late payments in error. The late payments are effecting my credit score 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 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: LA

Complaint narrative:
Called on XXXX XX/XX/2021 Received letter in mail from Allied International Credit Corp ( US ) XXXX XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Telephone XXXX XXXX XXXX Letter had reference number, along with the creditor listed as XXXX the account number only has first 3 numbers then asterisk after XXXX XXXX ). The amount owed is {$380.00}. I called the number and spoke with representative. He informed me this was for an XXXX  seller, I let him know I have never sold anything on XXXX. He then asked me if about several different types of contact information, such and email, user name, and telephone number..none of which belong to me an I do not recognize them. He asked me about 2 items, some type of table, and some shoe orthotics..I am assuming these are the items that were sold on XXXX, but again, I have never sold any items on XXXX. He told me that he would report it as fraudulent, and I would have to check back in 18 days to see what the fraud department says. I asked for name and reference number but he would not give me one ... I thought this was strange. I have forwarded a pic of the letter to the XXXX  spoofing email, but I cant get in contact with anyone at XXXX. 
This seems like a scam, there are several people who have asked questions about this company on the XXXX website ... goes back for a few years. Seems like it has been around for a while, but if it is a scam why are they allowed to get away with it? 
I do not want to be reported to debt collection for a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
First this business should be shut down for illegal practices. They refused to take my payments, and changed the locks on my house and refused to allow anyone back in. We went to court when they refused my willingness to pay more than I owed to get this done. I paid them, and I was current. These XXXX  accepted my payments from then on. Now, I want to sell my house. I asked for the payoff, and these XXXX  added an additional {$11.00}, XXXX and call it " recoverable corporate advances ''. This has to be illegal!!! i refuse to pay them a dime more than actually owed which they show as {$67000.00} but is actually less. I have overpaid them for the last time. They have put me and my tenants through so much they should be paying me, and if this isn't corrected, I will sue and charge them my legal fees, emotional distress etc. PLEASE help me!! I don't want to lose this sale due to this " businesses '' hopefully unlawful, revolting greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
my identity was stolen and used to open credit without my knowledge. now it is ruined me i am doing this in hope to get all straighten out i can get my credit in order have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting incorrectly multiple late payments in XXXX and a new late payment on XX/XX/XXXX on my XXXX XXXX XXXX account. I have spoken to XXXX XXXX rep and was told I had no late payments in XXXX and no recent late payment XX/XX/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 explanation
Consumer complaint received 2021-02-13 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: TX

Complaint narrative:
On or before XX/XX/2021, On or before XX/XX/2021, On or before XX/XX/2021 I have contacted the credit bureaus in regards to accounts that do not belong to me. I am a victim of id theft, I am a victim of credit fraud, I have mailed in sever id theft reports to the credit bureaus and to no avail. The following accounts are identity theft accounts and shall be removed at once. 

1. XXXX XXXX 2. Account name unknown 3. XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX student loans 7. Any and all Inquiries within the last 2 years 8. Any and all addresses within the last 2 years 9. Any and all names that do not match my legal name 10. Any and all telephone number. 11. Online information systems I hereby grant and give permission to the consumer finance protection to act and submit this information on my behalf to the credit bureaus. Any and all collection accounts listed in the report all collection accounts in the report. I hereby demand they be deleted and removed at once.

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my identity was stolen and used to open credit without my knowledge. now it is ruined me i am doing this in hope to get all straighten out i can get my credit in order have 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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting multiple late payments in XXXX and a recent late payment in XX/XX/XXXX. I have spoken with XXXX XXXX and was told they did not report any late payments in XXXX or anything recently, therefore, Experian reported incorrectly

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting multiple late payment in XXXX and a recently derogatory mark on XX/XX/XXXX. I have spoken to a rep from XXXX XXXX XXXX and was told they didnt report these late payments and that these late payments were reported by Experian and not them.

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