vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]  paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS DEPT OF EDCUATION/XXXX  XXXX never late DEPT OF EDCUATION/XXXX  XXXX never late XXXX   XXXX  XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I contacted PHH Mortgage on XX/XX/2020 inquiring on how to transfer my loan and deed to my sister in law ( Loan Assumption ). 
the representative with ID # XXXX ( XXXX ) told me that i will received a package in 7 days. We will need to complete and send it back to PHH Mortgage. 

On XX/XX/2020 called again and spoke to XXXX and he told me they will expedite the package because was not send yet. 

XX/XX/2020 still did not receive the loan assumption package and called again. i requested to speak to a manager and i was transfer to XXXX, ID # XXXX. He told me he will call me back once the package was mail. on XX/XX/2020 he called to let me know i should received my package soon because it was mailed out on XX/XX/2020. 

XX/XX/2020, still did not received my loan assumption package, called back and representative with ID # XXXX after i explained my frustruation, he told me that the package will me sent by E-mail and Fax in the next 24 to 48 hours, he copy all my information ( E-mail address and Fax # ) and placed me on hold and then hang up the phone on me. 
a few minutes late he called me back and promissed to fax and e-mail the documents. 

XX/XX/2020, did not received an E-mail, fax or package by mail. 
called again and spoke to representative with ID # XXXX, then he proceed to fax me a letter with instructions on how to request a loan assumption .... again no application was sent or anything else. 

I am frustrated by now and still need to transfer my home to my sister in law. 

Best regards, 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 2020-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm just wondering what's happening with accounts I disputed on the XXXX of XXXX. I still have not received any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where I'm at, but I figured 40 days should be enough. I also read that if I dispute again while my first dispute is active it will just extend the investigation time. Its day 40 so I figured I might as well file this complaint now instead of sending another dispute which will delay my investigations more.

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 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
Here 's a copy of what was sent to Homestar Financial : To whom it may concern. 
I am deeply troubled by the lack of communication and unacceptable service received since refinancing my home. 

For some unknown reason, Homestar did not process the approved payment for the XXXX premium. Subsequently, I received an unfortunate letter re Foreclosures and the need to make immediate payment for two months premiums. 

The document received did not acknowledge errors made on behalf of Homestar, yet fully placed the blame on the consumer. 

As a result of these oversights by Homestar, my credit reports, as well as my wife 's, have been inaccurately reflected to show missing payments for XXXX and XX/XX/2020. 

Here 's the email I sent to Homestar asking for an explanation on XX/XX/2020 - to which I've had no response as of this message. Please review the details provided. 

To summarize, on XX/XX/2020 Homestar confirmed autopayments would be made effective XX/XX/XXXX, XXXX. 

Homestar has quite a few issues to correct, especially regarding the inaccurate reporting on the credit reports for both myself, as well as my wife. 

I look forward to your immediate response, to include a plan of action that addresses each issue Sincerely, NAME The XXXX email and attachment is listed below : CC : XXXX XXXX XXXX Consumer Financial Protection Bureau ACCT Concerns - LOAN # XXXX Mon, XX/XX/2020 at XXXX XXXX To : XXXX URGENT MESSAGE Please see the information on your website regarding my monthly payment. My monthly payments are $ XXXX.I enrolled in AutoPay XX/XX/2020. It was to become effective XX/XX/2020, as stated on the confirmationletter I received ( attached for your reference ). 
Why in the world am I seeing a payment due date of XX/XX/2020? 

ot only was the XXXX payment made, I did everything requested to have the monthly payment deductions begin XX/XX/2020 - per confirmation from Homestar. 
This is of great concern to me, and I appreciate a thoroughreview to better understand what's happened - or what I've done wrong. 
Sincerely, NAME

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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: DE

Complaint narrative:
In XXXX of 2020 XXXX XXXX XXXX XXXX removed a tradeline from my credit reports due to fraud. I submitted police reports ftc report etc. and it was proven to be fraud. A month later they replaced the trade but changed the amount. I reached out to them several times even filing a complaint with the XXXX XXXX XXXX This company is going behind peoples back and stealing their info to boost sales. They are violating my rights by reporting false and inaccurate information

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 2020-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have Contacted the company to get this inaccurate information cleared up but they have failed to do so. They have not provided any information about this account belonging to me such as the original promissory note or any form of indebtedness. 


I have already contacted the company 3 times and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We have requested a pay-off for the loan over 2 weeks ago. This company will not tell us what it is and keeps stringing us along. We also faxed in the buyers order for the sale of the property 3 times. They just wont tell us the payoff! As of today our close date is 10 days away XX/XX/20. We need help from you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I NOTICE A NEGATIVE ITEM FROM ONLINE INFORMATION SERVICE ON XXXX XXXX, SO I SENT THEM A DISPUTE LETTER CONCERNING THE ALLEGED DEBT OF XXXX $ THAT I DO NOT OWE.I HAVE ATTACHED A COPY OF THE LETTER TO THIS COMPLAINT BELOW WITH ALL OF THE INFORMATION THAT I HAS REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank refuse to provide invoice/receipt for Mortgage service XX/XX/2020. Citibank agent XXXX XXXX ( XXXX ) processed my Citi bank mortgage application and charged me {$750.00}. I think it is reasonable that the application fee is unrefundable. But XXXX XXXX refused to provide me a receipt or invoice for the application fee. 

In her email : Hi, I was told that there is no invoice for application fee : this is all we have. 

Credit Card Launched {$750.00} Your credit card transaction was successfully authorized at XX/XX/2020 XXXX CDT. 

Authorization # XXXX Thank you, XXXX XXXX Dedicated Lending Associate Assistant to XXXX XXXX Citibank , N.A . 
Direct Number : 4XXXX XXXX NMLS Identifier : XXXX Documents can be sent via email or fax please include last 6 digits of loan number. 
For e-mail send to : XXXX For Fax : 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 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The CBE Group, Inc.
State: AR

Complaint narrative:
My employer has been repeatedly been contacted by The CBE Group , INC, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX regarding an alleged debt. My employer, and i have both requested this company cease and desist, however this company continues to call. I sent notification via Certified mail, as well as regular USPS. I am not only disputing the alleged debt, but I am also requesting this company terminate their attempts at contacting my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
My original request did not include specific documentation to Microbilt/ PRBC. I have attached them here, now. Also, to let you know, I am looking to find out If you have a file for me. Recently when I requested a report from another agency only to find Erroneous data of others Intermingled with mine. Thus this is why I need to see what you may have on record for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
In 2013 I had a dispute with XXXX who claimed I had a XXXX $ Electric bill for a home with no appliances or heat running as it was unoccupied, after months I made them remove the meter from the property. They sold this debt that was never theirs to a company called AARGON AGENCY who is unlawfully reporting to my credit report that they are owed {$980.00} I have contested this and they have supplied false documents to reporting agency 's to maintain the credit fraud they are perpetrating.

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 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells Fargo should forgive this loan due to the Fixed Rate Note and other documents.This is the legal loan note and the address is incorrect. Instead of two units at XXXX - XXXX XXXX Wells Fargo Mortgage Fixed Rate Note financed address XXXX - XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, CA which is 71 properties instead of two. 

Violations both federal and state legal regulation of mortgage. Document not provide consumer as the law required at at the time of the loan. 
Wells Fargo transfer the loan to XXXX  XXXX XXXX. Wells Fargo has not taken care of the matter as of to date.

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 2020-07-17 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX XXXX and Knight Adjustment Bureau XXXX are reporting for the same debt on my credit report. Per the FCRA in my investigation two different companies can not report the same debt on my credit report. This is a violation and this debt has been paid, it needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-17 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1.  XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1.  XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-17 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: CA

Complaint narrative:
this information I listed the fraud accounts I found on my credit report.

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 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
An unauthorized party gained access to my online login credentials for chase online. They then started quickpaying themselves money from my checking account. Chase flagged one of the transactions as fraudulent but allowed the others to go through. I called as this was happening and put a hold on my account but not before another transaction went through. I had to go in to a beach to deal with the issue and opened a fraud claim which the bank began to process. However, the bank determined that the transactions were non fraudulent, even though one of the transactions was flagged as such, and are now refusing to refund my money. Unlike other banks, chase has no limits on new quickpay recipients. Anyone who compromises your account is able to transfer unlimited funds from your account with no recourse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have Contacted the company to get this inaccurate information cleared up but they have failed to do so. They have not provided any information about this account belonging to me such as the original promissory note or any form of indebtedness. 


I have already contacted the company 3 times and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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: DISCOVER BANK
State: AL

Complaint narrative:
I have Contacted the company to get this inaccurate information cleared up but they have failed to do so. They have not provided any information about this account belonging to me such as the original promissory note or any form of indebtedness. 


I have already contacted the company 3 times and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: AL

Complaint narrative:
I have Contacted the company to get this inaccurate information cleared up but they have failed to do so. They have not provided any information about this account belonging to me such as the original promissory note or any form of indebtedness. 


I have already contacted the company 3 times and no response.

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