vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-02-26 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-02-26 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: WA

Complaint narrative:
XXXX  XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XX/XX/XXXXXXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.

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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have attempted to get itemized and detailed explanations of unexplained charges from Nationstar/ Mr Cooper . I have sent correspondence directly to Nationstar/ Mr Cooper , sent a QWR, and filed a previous complaint with CFPB. This is my second complaint. Nationstar/ XXXX XXXX has responded by sending me loan agreements. The paperwork is not an answer to my request for itemized explanations to the charges. There is no itemized calculation included in the loan agreements. I am now going to specifically request an itemized detailed calculation explaining the XX/XX/XXXX charge for {$6900.00}. This charge is listed as NO DESC AVAILABLE on the account transactions listing sent to me by Nationstar/ Mr Cooper in response to my previous CFPB complaint. I do not understand this charge. I was not explained this charge by being sent copies of loan agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
Referecnce CFPB Complaint : XXXX and XXXX This company has NOT provided any validation of the debt in question. Written proof from the provider and Debt Collection Company have been requested multiple times and no infomration has been provided. The debt company is in within the terms of FDCPA and FCRA. 

Mulitple requests have been made and no proof has been provided. 

I will continue to dispute this alleged debt with the collection company via the CFPB and all Major Credit Reporting Companies until the collection company removes the debt from my credit report. 

They have clearly violated and not followed the rules set forth from regarding the FDCPA and FCRA Regulations.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XX/XX/XXXX and XX/XX/XXXX are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX failed you work with me when I had card theft issues and ended up with a negative balance I couldnt afford to pay off at the time. I stipulated with them I would not be paying the overuse balance as my card had been stolen. They claimed the charges were valid and thus fast track a while into the future and on my Transunion Credit Report I was hit with a collection from XXXX XXXX XXXX a debt collection agency whom opened the collections account on XX/XX/XXXX to the tune of {$850.00}. This ended up remaining on my report and after two years of attempting to resolve the situation I find on XX/XX/XXXX a duplicate account to the tune of an eerily similar {$840.00} had been added to the defaulted accounts and debt holdings section of my credit report. 
I filed a dispute shortly after via Transunion for the XXXX XXXX XXXX duplicate account. They came to the conclusion somehow that in fact this meets FCRA requirements. Which to my kkowledgeI understand that a debt may somehow be sold from one debt consolidation company to the next over a period of time. But I only ever had one account with the original creditor and this only one debt account can be established for said debt. Not only has this been negatively impacting my credit score to the tune of around 20 points or so but if Im not mistaken ; under the fair debt collection laws it is illegal for this XXXX XXXX XXXX to keep reporting a disputed claim and somehow legitimize it to Transunion when there is literally two duplicate accounts for one original debt. I have done all I can to get this duplicate negative account mark removed to no avail. Please help me or provide me the information I need on where or how I may fix this problem. Thank you.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ; Experian and XXXX  are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
They have been calling family members, causing them unnecessary worry, and making calls to me at all hours of the day and night. Completely unacceptable!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: AZ

Complaint narrative:
Better.com has a price match offer on mortgage rates and closing costs. Please the page below for the " fine print '' ( attached as well, in case they update it with " exclusions '' ). 
https : //better.com/faq/better-guarantee/whats-the-fine-print Unfortunately, the fine print does not mention exclusions, which after working with a loan officer privately, mentioned the loan estimate I presented, which I was told they could not beat the offer, added that my estimate is ineligible for the price guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: VA

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days late on the XXXX/XXXX XXXX and XXXX. ( Please see attached credit report. ) I have also attached a spreadsheet with the account numbers to reference. These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCalla Raymer Leibert Pierce, LLC
State: CT

Complaint narrative:
I received a withdrawal letter dated XX/XX/2019 from the law firm of McCalla, Raymer, Leibert, Pierce, XXXX XXXX XXXX., XXXX, CT XXXX. tel # ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( myself ) w/out costs to any party regarding a reinstatement refinance that I inherited from my late father. I am the successor of interest to the property where I reside. The attorneys were paid over {$3000.00} by me included in the {$18000.00} reinstatement fee wired to XXXX XXXX XXXX  on XX/XX/2019. After that date, I received a letter from McCallas employer, XXXX XXXX stating their attorneys wanted {$1900.00} more. I called & emailed the McCalla firm 3xs asking what the fees were for. They will not and have not responded. I called & faxed XXXX XXXX many times regarding the fees. XXXX will not say what the fees are for. The attorney fees were initiated XX/XX/2019 after the wiring and withdrawal. Please, look into the over inflated attorney charges. I want McCalla to show me in writing what the charges are for & the dates when all these extra charges occurred. XXXX XXXX contact is XXXX XXXX. Tel # XXXX Ext. XXXX XXXX XXXX XXXX. 
XXXX XXXX, IA XXXX. Ms. XXXX will not respond to that question. McCalla law firms address is XXXX XXXX XXXX, XXXX, CT XXXX. Tel # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Have 4 loans open through Navient all for college everytime I try to get my payments lowered they would just delay my payments and keeps upping the interest on it when Ive called several times to ask to change it to income driven payments they just say to keep it on the payment delay. I am currently out of work due to having a baby and their interest rates keep racking up higher and higher and nothing is being done. And when I ask what repayment plan Im under they wont tell me and its not listed anywhere on my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IMMEDIATE RECOVERY GROUP, INC
State: OH

Complaint narrative:
Hi, My name is XXXX XXXX-XXXX. I have had 3 loans in my past from the Dept of Education. I had a subsidized, and an unsubsidized loan both of which were in my name. They were paid in full in XX/XX/XXXX and I havent heard or got any statements from the collection agency or the Dept of Ed to show proof of payment.Then, my mothers taxes were offset for her XX/XX/XXXX taxes. In effort to find out why, I called the agency which, at the time, was XXXX XXXX. They said the loan was in MY name and had MY birthdate but my MOTHERS social security number. To fix this, I sent my s.s. card and ID along with my mothers. Following, I hadnt heard back, or got a statement or anything so it was my poor choice to think it was out of default and I honestly didnt remember. I got pregnant towards the end of XX/XX/XXXX. So, my mother did her taxes the following year- which by the way, the collection agency wouldnt even speak to her because it was in my name- and her taxes were offset a second time. In fury, I called XXXX XXXX. They said the loan was taken care of and there were no further payments due and I would get a statement in the mail. Again, I received nothing. 

So, here we are, its time for my mom to do her XX/XX/XXXX taxes. Before she filed I called the US Dept. of Education just to be sure. They said to contact Immediate Credit Recovery Inc. because there IS still an open loan which is still under my name. I called them, they said this loan is now up to {$7000.00} and her taxes would be offset again. I was LIVID. I called and filed a complaint with the US Dept of Education and I called Immediate Credit Recovery again. They basically said they can not help me until I send my  information to them to fix the name on the loan. Im a single XXXX year old mother and theres something very unsettling about giving your social over and over to 3rd party agencies.

Then, I received a letter from the US Dept of Ed saying they agreed to settle this loan at the amount of {$5000.00} and no payments are due and the debt is considered paid in full. I couldnt have been happier! She filed her taxes, took that letter, and we thought everything was okay. Her taxes were now offset for the THIRD year in a row. I called the US Dept of Education and they said that letter was pertaining to a loan I paid in full in XX/XX/XXXX ( as mentioned earlier ). WHAT! 

My mother is a single mother as well and works her butt off. In no way is this fair or even legal for that matter and if I could afford a lawyer I would. But we cant catch a break and I desperately need help. Thank you very much for your time.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In XX/XX/XXXX, I disputed a credit card account that I had not opened, applied for, nor had I ever used with XXXX  XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX acknowledging this dispute was fraudulent and that they had submitted a request that the tradeline be removed from my credit report and to allow 60 days for that to take place. On XX/XX/XXXX, I disputed the XXXX  XXXX account that True Accord had notified me about ( True Accord is contracted for XXXX XXXX ). I sent in the letter to True Accord for verification that this account should not be in XXXX XXXX 's possession and I am not liable for it. On XX/XX/XXXX I received another notification from XXXX XXXX attempting to collect the debt. I responded requesting a cease and desist and that I had already consulted an attorney and was prepared for Litigation if collection didn't cease and the account was removed from my credit report with all 3 bureaus. On XX/XX/XXXX, I received confirmation that collection activity had been halted and XXXX XXXX would investigate. Apparently, this debt has now been sold to Resurgent Capital Services whom I started the whole dispute process over with. Beginning of XXXX, I spoke with a representative who told me to fax in the letter. On XX/XX/XXXX I called Resurgent to obtain the fax number again. At this time, XXXX told me that not only did I have to send in the letter, but I also needed to complete the Fraud/Identity Theft Affidavit and have it notarized and send it back in. I asked XXXX if I did all of that, is it possible that the findings would be different from the Original Creditor? She stated she could not advise, but that my account will only be investigated once I complete that affidavit and there was no way around it. I asked for the account to be recalled to the Original Creditor and XXXX informed me that it could not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: VA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 180 ) days late on the XXXX/XXXX XXXX  and XXXX. ( Please see attached credit report. ) I have also attached a spreadsheet with the account numbers to reference. These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-26 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: VA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX/XXXX XXXX  and XXXX. ( Please see attached credit report. ) I have also attached a spreadsheet with the account numbers to reference. These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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