vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked Equifax to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until   XXXX   and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt report ( previously reported here ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false and damaging information on a consumer 's credit report.     This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I had started service with this Equifax to monitor my Credit. When I called on the  XXXX  of  XXXX   2017  to cancel my service the  Office w as closed. On Monday the  XXXX  I called to cancel which was done. All access was cancelled on that day. On the  XXXX  I checked my wife 's account, and they 've charged her account {$19.00} which caused an overdraft fee of {$35.00} from her bank. We submitted an online dispute the day that the fee and charge posted on the account. Today the bank denied the dispute because they had already charged my Account. I reiterate that I have no service with them, and can not access the Product that I am being billed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I noticed a collection account on my credit fr om Hunter Warfield. The y never sent me a notice or anything telling me that they were reporting anything on my credit. They just put it on there. I sent for validation of the account over 45 days ago and they just ignored me and yet still are reporting this on my credit. They are in violation of the FAIR DEBT COLLECTION PRATICE ACT

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Machol & Johannes, LLC
State: ID

Complaint narrative:
In  XXXX   XXXX , I was in the process of applying for a home improvement loan and found that there was an unknown credit card through  XXXX  on my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about  XXXX  of  XXXX  I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked  XXXX  to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until   XXXX   and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt report  ( p reviously reported here  ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false and damaging information on a consumer 's credit report.      This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.

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 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked   XXXX   to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until    2024  and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt repo rt ( previously reported here ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false an d damaging information on a consumer 's credit report.     This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.

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 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
In XXXX, my uncle, XXXX XXXX XXXX age XXXX, refinanced his home at the encouragement of a mortgage broker with XXXX XXXX XXXX. He died in XXXX and his widow, my aunt, XXXX XXXX, was left with the XXXX XXXX dollar mortgage. She put the house on the market and was unable to sell the house at that time because the house was valued less than the mortgage. In fact, the house was worth less than the mortgage in XXXXThe house could never have guaranteed this mortgage. My aunt continued to live alone in the house, living a life of extreme frugality and unhappiness because she was unable to sell the house anywhere near the mortgage payoff amount. Foreclosure was not an option in her mind. There were no other options available to her at that time. She paid the {$10000.00} mortgage payment monthly like a prisoner on death row until her death in XXXX of XXXX. At that time, I was advised that I was named sole heir of the property via will and trust documentation. I have been living in the house and maintaining it since I came to care for her in XXXX of XXXX when she was terminally ill. The despair she experienced from this situation affected her quality of life and contributed to her demise unquestionably. Most recently I have received a notice to vacate the property. I had been waiting for this bank to file a claim against my aunt 's estate because I was going to deny the claim. This was a predatory, fraudulent mortgage. The bank was guilty of unjust enrichment. My aunt and uncle were exemplary people and my aunt did not deserve to spend the last years of her life in anxiety and fear. All of her retirement money went to pay this fraudulent mortgage. She had about one year of money left if she did not die. I estimate that at least {$600000.00} was paid to the bank over the course of 6 years and the balance on the mortgage was still XXXX XXXX. Now XXXX XXXX with fees etc. The last time the house was appraised in XXXX for about {$500000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: MD

Complaint narrative:
I previously contacted the credit bureau in reference to this account by mail. I did not get an answer back from  XXXX , and the other  XXXX  updated the account as meets FCRA requirements. However, after speaking with  XXXX   XXXX  it was determined that they would delete the account and have the  XXXX  credit bureaus do the same. I faxed in the letter stating they would remove it however to no avail the account is still being reported. c

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 2017-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I am an XXXX XXXX military member who signed up for Barclaycard 's XXXX XXXX which is known to carry an {$990.00} annual fee only because Barclays promised to waive the annual fee until my XXXX XXXX  XXXX commitment ended. I am a career military member with 15 years left of XXXX XXXX XXXX. All of a sudden Barclaycard 's XXXX XXXX sent me a letter saying that I would no longer receive the waived annual fees of {$990.00} and for my dependent 's additional card. I understand they are trying to get in align with the Servicemen Civil Reliefs Act ( SCRA ) but you can not above and beyond the SCRA to lure new applicants and then switch on those same customers. I understand not waiving them for new customers but they should honor those who applied before the changes. You can not mislead servicemembers with empty promises and affect their FICO scores by forcing to close their credit cards if they do not wish to pay the {$990.00} annual fee. Barclayscard is not honoring their original terms of the agreement. Barclayscard 's XXXX XXXX made the changes to their SCRA policy in XXXX XXXX, 2016 and I applied for the card well before and activate my card on XXXX XXXX, 2016 and my dependent 's on XXXX XXXX, 2016.

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 2017-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: First Data Corporation
State: CA

Complaint narrative:
Dear  Sirs, O ur company who name is    XXXX   XXXX   XXXX  , we  are a wholesaler and importer in  XXXX   XXXX , California over 19 years. We use the credit card merchant service from  First Data  under the contract ( account #  XXXX   ) s ince   XXXX   XXXX   until now.     Bu t First Data ha s increased the retail rate under our account without notifying and have over charged too much from our account during  XX/XX/XXXX - XX/XX/XXXX .The monthly statement  of First Data provided to us witho ut full detail which kind of credit card/retail rate and amount of charge /service fee of each transaction and each date always.     We have not got full detail of monthly statements of    XXXX   XXXX  -  XXXX   a nd over charge amount from First Data still after  over 40 days  difficult negotiate with   XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX   of  First Data  since   XXXX   XXXX   until today.     According to the program guide, accompanying the merchant application and agreement between  XXXX   XXXX   XXXX  and  First Data : Sub ject to section  XXXX , we als o may increase our fees or add new fees for services for any reason at any time, by notifying you twenty ( 20 ) day 's prior.      It is our right that  XXXX   XXXX   XXXX  as a senior and value customer of  First Data to know full detail of charge of each transaction/each date and get back full   amount of over charge from monthly statements which kind of credit card/retail rate and amount of charge/service fee during    XXXX   XXXX  -  XXXX   w hich all in  one page from First Data base on our retail rate have been increased and have been over charge our account without any notifying by First Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
Select Portfolio Servicing inc, I has not provided me any information from the other mortgage servicer (  XXXX  ). what  documents, show that WE HAVE MISSED ANY PAYMENTS. I am current and always have been.     I challenge  ( SPS ) to  prove that we have missed any payments with them and or   XXXX   XXXX   XXXX  or  XXXX   XXXX . All my other mortgages are current except this one that has been sold twice.     We have made every payment.  SPS shows that we are 32 payments behind on our credit reports not just the two payme nts that they state on all the credit. FRAUD ...      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 2017-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
On   XXXX   XXXX   XXXX     a letter was sent to  Cach LLC  to validate the debt in question.   Their letter dated   XXXX   XXXX  , solely provided me with a letter and no written verification of the debt with my signature.   I am requesting that a written validation with my signature be provided or that this negative report be deleted from my credit report.   Thank you in advance for your assistance.

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 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC
State: VA

Complaint narrative:
For the past three days I have been receiving recorded " trace location '' messages from " FMR. '' I have  XXXX  the company and it is associated with a phishing scam based on fake payday loans. I have checked my report at all  XXXX  credit bureaus and there is no collection against me from FMR, and not even any fraudulent payday loan on my record. This company has even called my mother looking for me.The calls started at about the time that my credit union notified me that my debit card would be reissued because of a security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
A card was opened using my name in  XXXX  I contacte d Macys and   even sent them the fraud affidavit years ago letting them know I was a victim of identify theft and did not open the card. They told me it would be taken care of, again in  XXXX  of  XXXX  I learned this account was still open and holding me up from obtaining credit. I once again contacted them and they stated they would escalate the problem since they could see it should have already been taken care of. I again faxed them the fraud affidavit and they have yet to release my liability from the account after speaking to numerous people over th e past 2 weeks.

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 2017-05-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I purchased a {$100.00} gift card from Visa in  XXXX  of  2016 . In  XXXX  of  2016  I return some products to  XXXX  and used this card. This made the balance of credit on the card to {$130.00}. Now I 'm unable to use the card. After talking to  Visa  they said the card was not valid now because the card was only for {$100.00} and now shows credit of {$130.00}. They said the only way I can activate or use the card if I send them a receipt of my return to  XXXX . I do not have this receipt. So there is no way I can get my {$130.00} from Visa.

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 2017-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
On  XXXX / XXXX / XXXX  A judgment was placed on my credit report from LVNV Funding LLC with  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  acting as the collection agency collecting the active judgment amount from the balance of {$6500.00} from a repossession in  XXXX . Although this debt was not paid the collection agency  LVNV Funding a nd  XXXX ,  XXXX    XXXX    XXXX ,  XXXX  do not have a license nor are they bonded to collect in the state of MN where this debt initiated. On all of the documents I have received from this company both names exist and neither  XXXX  come up as licensed and bonded in the MN of Department website. I would like to complain know what actions can be taken to recoup the money paid to them and get this judgment vacated and removed from my reports as it has impacted my ability to gain credit worthiness since it has been reported in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: FL

Complaint narrative:
After multiple attempts, I finally was able to have Fedloan Servicing accept my standing instructions for how payments in excess of the minimum should be applied. I instructed Fedloan Servicing to apply payments in excess of the minimum to the principal of the loan with the highest interest rate, in the event that XXXX or more loans had the same interest rate, the excess payment should be applied to the loan with the lower balance. Their agreement was evidenced by a message sent to me on XXXX/XXXX/2017, which stated that all payments received after XXXX/XXXX/2017 would be applied in accordance with my instructions. Subsequent to Fedloan Servicing agreeing to follow my instructions, I have sent 5 payments totaling {$2900.00}, none of which were processed in accordance with my instructions. I have tried calling Fedloan Servicing but each time I do, the representative informs me that the payment will be corrected in 2 business days. I have also tried contacting them in writing through the contact us feature on their website, but I ca n't get a response from them ( this is consistent with my experience in trying to set up the standing instructions ).
Filing a complaint here is that last option I have. I have uploaded the agreement sent to me by Fedloan Servicing and the evidence of payments being applied incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: IN

Complaint narrative:
In XX/XX/XXXX I got a credit report pulled and it was showing that I had been 17 times late on my car payments with XXXX XXXX I call them that day and they told me that I was behind on my car payments two difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months before they gave me credit for thos payments there was two payments that they told me that I did not pay I fax a letter to XXXX and told them they must report to all three credit agents that I had not been late. But they never did. I have been on them since XX/XX/XXXX. I got a call today from XXXX saying they wanted to let me know that they was going to have 14 late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in XX/XX/XXXX. The lady said so there is nothing that I am going to do about that. I call the head office of XXXX in XXXX IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called XXXX XXXX XXXX that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all three credit  Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from XXXX XXXX. Please help 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 explanation