vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: GA

Complaint narrative:
I pulled a copy of my annual credit report and saw that there are 10 aliases that are not me on my report. There are also 9 addresses that don't belong to me, some of which are close to which I have previously lived at, one is an entire apartment complex. I believe this is a personal attack by my husband who I am separated from and his friend who has security clearance, XXXX XXXX. They are also accessing my XXXX email, my XXXX email and social media. They are intercepting my phone interactions making it impossible for me to receive codes to get in my social media and XXXX government accounts through 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 explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: UT

Complaint narrative:
We have been receiving robo collection calls at our business number everyday at between XXXX XXXX and XXXX XXXX. This has been going on for several months. The recorded messages gives the name of a person and states this is Monarch Recovery and they are trying to collect a debt from the named person and instructs the person answering to press a dial pad number to be connected. We have spoke to people at this collection agency several several times to explain that we do not know this person nor has this person ever been employed by us, yet the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
I have asked Equifax several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from them. I also asked them to change my date of birth because it is also being reported wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I receive an alert from my XXXX credit report stating that a new collection from National Credit Adjusters had been added to my credit. I called National Credit Adjusters @ XXXX and spoke with XXXX XXXX did not give last name ). I inquired about the collection XXXX stated the original date of the collection in question was XXXX. I asked why was it reporting on my credit as of XX/XX/XXXX which is untrue. XXXX stated that the date that is used is the date that they purchase the account. I'm requesting it to be removed permanently from ALL 3 credit bureaus due to National Credit Adjusters violating the date of expiration by reporting the debt happened in XXXX when the actual date of the debt is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DE

Complaint narrative:
Back in XXXX I applied for a home refinance laon with Ameriave. They gave confused repsonses and no one seemed to know what they were doing regarding my application. I withdrew my application ( XXXX XXXX ) in writing. 

Now I just received an adverse credot letter that they refused to fund me because of inadequate documentation. 


This is what they just sent me : Dear XXXX XXXX : After reviewing your application, we have closed your file for incompleteness or we are unable to approve you for a loan program. Thank you for allowing AmeriSave Mortgage Corporation the opportunity to assist you. Attached is a notice of declination which indicates the reason ( s ) your loan request could not be approved. 



Warmest Regards,

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 2021-02-02 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I requested my free annual credit report from all three credit reporting agencies ( by phone ) on XX/XX/XXXX. I received my reports from all credit bureaus but Equifax. They never want to send it. Please assist. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX Last four of social : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by XXXX. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider 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 2021-02-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by XXXX. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider 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 2021-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My complaint is with Specialized Loans Services ( SLS ). I have 15 year fixed rate mortgage that closed on XXXX. My loan payment is {$2600.00}. I have paid my mortgage on time every month since then to date, XX/XX/XXXX. In mid XXXX, SLS created an Escrow account without my knowledge or consent. They then paid my property taxes for City of XXXX and XXXX XXXX  Georgia. Again without my consent or knowledge. I can furnish proof that I repaid SLS for their outlay and I can provide proof of payment for my monthly mortgage amount stipulated in my closing documents. SLS has not applied ANY of my monthly payments since XXXX to my account and now states that I am in default. They have also sent me a bill for XXXX and I have NO IDEA why. And did I mention they sent ME a check for {$7100.00} in XX/XX/XXXX?? I have made numerous calls to rectify the matter but no customer representative can alter or make changes and only are willing to take payment. I have requested 3 " Supervisor Callbacks '' which have not happened. No one can tell me how I am in default and have negative credit reporting as a result. I am at my wits end. I need help. Again, I can provide any necessary documents proving my on-time monthly mortgage payments and my repayment for monies paid on my behalf for property taxes..

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XXXX, I contacted M & T Bank to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the M & T Bank Mortgage department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. M & T Bank did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.

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 2021-02-02 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: GA

Complaint narrative:
Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit - Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX This account has been charged off and sent to an outside collection agency. I have asked numerous times for the said company to send me a Debt validation letter to show the amount of said owed account. This company has never done so. I do not owe the amount shown on this account is reporting frivolous. I'm asking for my credit bureaus to be updated, removing this from my credit report immediately. 

( copy of the letter sent to the creditor ) This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation, '' that is, competent evidence that I have some contractual obligation to pay 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 2021-02-02 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: GA

Complaint narrative:
Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX This account has been charged off and sent to an outside collection agency. I have asked numerous times for the said company to send me a Debt validation letter to show the amount of said owed account. This company has never done so. I do not owe the amount shown on this account is reporting frivolous. I'm asking for my credit bureaus to be updated, removing this from my credit report immediately. 

( copy of the letter sent to the creditor ) This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation, '' that is, competent evidence that I have some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureau has ignored my dispute for over 30 days and the inaccurate information is misleading and impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX, XXXX, and XXXX XXXX have all resolved my current debt and I have the checks that was cashed. I sent proof to all the credit bureaus and they will not remove it. I also will attached the checks 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 2021-02-02 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unprofessional and needs to be resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX, GA XXXX. I never paid the following accounts late, XXXX XXXX XXXX : TransUnion is reporting a payment status of current but reporting 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, XXXX is reporting unknow payment status and and no payment history, XXXX is reporting a payment status of current but reporting 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$420.00}, XXXX is not reporting this account, XXXX XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$26000.00}, XXXX is not reporting this account, XXXX/XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$560.00}, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$0.00} and XXXX  is not reporting this account, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$560.00}, XXXX and XXXX are not reporting this account, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$350.00}, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2021-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked Experian several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from 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
Consumer complaint received 2021-02-02 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/20 : Barclays Bank Delaware XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( Factual Data I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, 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 explanation