vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 and XXXX and 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 three 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 inquiries 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: SC

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 Equifax 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 Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: OH

Complaint narrative:
I received a letter from Homeside Financial saying that the servicing of my mortgage was going to be transferred to Lower XXXX as of XX/XX/XXXX. I was given a number for lower, when i called XXXX there was a recording saying that if I had automatic payments set up, I didn't need to do anything but it may take a few days longer for my payment to be posted. As of XXXX it had not posted so I called the Lower number and was told that the transfer did not occur over the weekend and that it was still with Homeside. Latere that evening I received an email from Lower stating that the transfer didn't go through, but not until well after my phone call to them. I logged on to my homeside account and the payment still had not been posted. I called Homeside ( also on XXXX ) and they submitted the payment for me that was due XX/XX/XXXX and also reset my account to automatic payments. I asked about the interest from XXXX to XXXX and she said she had put a note in the request that I didn't think I should have to pay the interest for 4 days because they stopped my automatic payments. I was told it would take two days to post. As of XXXX my mortgage payment still had not posted, so I called again. I was told it would process that evening. XX/XX/XXXX my payment still has not processed so I phoned again. She said that the payment was just submitted on XXXX and it would take two days to post. I told her that it was submitted on XXXX and not XXXX. What happened to the payment from XXXX? she said that I should have been told it would take 6 days. So why was it 6 days on the XXXX when I called and two days from f the XXXX. I asked her about the interest that has accrued since XXXX and she didn't really answer me but said my posting date would be XXXX. I also have yet to receive any letter from Homeside saying that the transfer of servicing never occurred. I have this week until the grace period is over for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
I received a debt collection notice from a collection service, on our around XX/XX/2022 The amount of the debt to be collected is {XXXX} In the notice I was informed that I needed to contact the collection agency by XX/XX/2022 to stop the disputed charges. 

I immediately contacted the collection agency to dispute the charge. I also asked for billing records from the creditor. After reviewing the billing records, it is my belief that I owe a balance of {XXXX} that I am happy to pay. 

I contacted the collection agency via email on XX/XX/XXXX and told them I believed I owed the amount of {XXXX} On XX/XX/2022 I sent a follow up email indicating that I was waiting for a reply. 
On XX/XX/2022 I sent a second follow up email indicating that I was waiting for a reply. 
On XX/XX/2022 I sent a third follow up email, stating I had been trying to resolve the dispute for over two weeks, and that I had not received any response to the information I had provided. At that time I inquired if I should consider the matter closed. 

I obviously wasn't going to receive any information from the collection agency. I then contacted the collection agency by phone. I told them that I had been attempting to resolve the issue for over two weeks. During this phone call, the collection agencies agent informed me that the creditor had up to thirty days to respond to my dispute. 

I called the collection agency today. It has been five weeks since I filed the dispute. 
The collection agency told me that the matter was " on hold ''. I stated that I was given a certain time to respond to the initial collection notice, which I did, and that the creditor had a specified time in which he needed to reply, which he failed to do. 

It is my belief, that since the creditor failed to respond in the specified time, that the matter should be dismissed. I feel that the collection agency, FCR is acting unfairly by allowing the creditor more than the thirty day response time. 

I would like to mention that the creditor went out of business without any notification. I had never received a bill or late notice for the amount in question. I also have approximately 15 emails that document the billing problems I had with the creditor in a two year period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I am working towards PSLF. Several of my federal loans ( loans XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have not received credit for eligible payments I made during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these four months my loans were in active repayment ; my loans were NOT in forbearance/deferment ; my then monthly payment was {XXXX} based on my income ; my employment has been certified for those four months. 

Those four months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) are counted as eligible payments for my following federal loans : XXXX XXXX XXXX XXXX. It is accurate and correct that these four months should be listed as a PSLF eligible payment for all of my loans. It is incorrect for only loans XXXX XXXX XXXX, and XXXX to receive eligible payment credit for these four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
I have been trying to get phh mortgage to pay my taxes for XXXX and XXXX ever since XX/XX/XXXX. I've sent the amount on what needed to be paid and they still didn't send my payment in time and the taxpayer had to send the check back because the payment amount changed. Phh mortgage insured me my taxes will and were paid and as of XX/XX/XXXX, my taxes are still not paid. I've sent emails and was told it would be reviewed in 10 days when it supposed to been handled in XX/XX/XXXX. My taxes are deducted from my mortgage payment I pay every month.

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 2022-04-11 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: EQUIFAX, INC.
State: CO

Complaint narrative:
AFTER DISPUTE YOU ADDED SAME PAST DUE ACCOUNT ON MY CR TWICE SAME ACCOUNT i HAVE 4 2 WERE DISPUTED YOU ADDED THE SAME 2 SO NOW I HAVE 4 SAME 2 TWICE DONT KNOW HOW TO EXPLAIN TO YOU SO WHY DONT YOU CHECK IT INSTEAD OD ASSUMING SOMEONE DID THIER JOB , CLEARLY THEY DID NOT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Above-mentioned Accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Above-mentioned Accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX XXXX, 2022 XXXX am I received an email from XXXX XXXX stating " Identity Verification Transaction Detected by XXXX XXXX  ''. I called them that afternoon and a case was opened to get information regarding the detection. I was told the " Alerts and Restoration '' was busy and should return my phone call by XXXX XX/XX/2022. On XXXX  XXXX XXXX, 2022 XXXX am I received an email stating " XXXX XXXX XXXX Membership Is Cancelled ''. I called them at approximately XXXX and was told there wasn't anything they could do regarding my case because the membership was cancelled and they had no access to any information even though the case was opened prior to cancellation. I didn't receive any information regarding the identity transaction.

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 2022-04-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
When I closed the reverse mortgage loan I was told I needed to have several things fixed on my house. I had those repairs done in XX/XX/2022. I started calling the mortgage company. I have been cut off, hung up on, given incorrect information and transferred to the wrong number several times. Every time I call its a very long hold time. I finally found out I have to submit invoices. I did that on Tuesday XXXX at noon to their repairs department to the email I was given. Of course, I never heard back from them. I called Thursday XXXX and was told there were no notes on my account, but I should hear something Friday or Monday. Nothing, so I called Monday. After being on hold, transferred to the wrong department, on hold again, I got a customer service person who put me on hold for a very long time. Then she said yes, they did get my email and I should be getting an email soon with a form I have to fill out. Obviously, they are stalling so they dont have to pay me the {$3300.00} they are holding until I get the repairs done. Meanwhile I had to spend my money. This is the worst company I have ever dealt with. The reviews on this company are XXXX XXXX  bad. The company is PHH Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-11 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: IL

Complaint narrative:
I checked my credit report XX/XX/XXXX and XXXX XXXX XXXX XXXX  was on my credit report along with a Texas address I did not recognized. The lease/loan was opened XX/XX/XXXX in the amount of {$2800.00} and the balance is currently {$2900.00}. 

I immediately contacted XXXX and they told me based on my social security, phone number, name and address they could not locate an account for me. I then disputed the account thru experian and also filed a police report. But the company is still refusing to delete and or terminate the lease thats in my account that I did not open. 
Experian has contacted them to let them know I did not open this account and this is fraudulent. XXXX can not locate an account yet it is still showing up on my credit report. 

I have had a fraud alert and lock on my account since XXXX as I am unsure how this has happened to me.

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 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 and XXXX and 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 three 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 XXXXThis 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 inquiries 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 21 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 XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help

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 2022-04-11 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 received a copy of my EXPERIAN credit report and found the following item to be in error. Account : XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. This negative account is not reporting to XXXX nor XXXX. Please provide evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature or delete immediately. I have attached the letter sent to Experian and proof of identification.

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 2022-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-11 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Accounts and inquiries are reporting to my account that i'm not familiar with! XXXX really concerned about these on my credit profile!

Company response to consumer: Closed with explanation