vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-20 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: CA

Complaint narrative:
Iwas a victim of identity theft 5 accounts were opened during XXXX. I was in a Ca. XXXX. XXXX  XXXX XXXX. XXXX XXXX from XX/XX/XXXX until I XXXX  on XX/XX/XXXX. I sent all requested papers, pictures etc. that the involved companies asked for to show them my exact whereabouts during these fraudulent acts. Sent the companies the evidence 2 seperate times. 2 of the companies still have not removed the incorrect statements or recalculated my credit score to reflect the proper scores. XXXX XXXX  and XXXX. have not deleted the fraudulent activity on my report. Additionally I requested copies of all account applications, transactions, payments or anything they had recieved in regards to the accounts that were opened during XXXX while I was XXXX  in a Ca. XXXX XXXX. It is very sloppy, unproffesional and almost seems intentionally vindictive to me that these 2 companies have recieved what information they deemed satisfactory to correct this issue and still they won't correct my report! 3 companies have corrected this but XXXXXXXX XXXX and XXXX XXXX stilkl haven't done not only what is fair and just but what they said they would do.Believe it or not I have many other things I need to be doing.

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 2020-12-20 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:
XXXX XXXX  is reporting to my credit report. It says it link to my address at XXXX XXXX  XXXX XXXX XXXX, TX XXXX. Thats false, they sent me some bank statements that dont belong to me. I will attach those statements below. Which means this account should be deleted. The address on the statements is XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. This address is not connected to me at all. So this is a violation address discrepancy and I demand this item to be deleted immediately. I also would like all documents you received from them that verify this account is accurate from your last investigation.

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 2020-12-20 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:
After reviewing my credit report, I noticed several fraudulent charges and/or accounts on my report. This has caused tremendous strain on my financial situation and prevents me from taking care of my family in the way I did previously.

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 2020-12-20 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:
After reviewing my credit report, I noticed several fraudulent charges and/or accounts on my report. This has caused tremendous strain on my financial situation and prevents me from taking care of my family in the way I did previously.

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 2020-12-20 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:
After reviewing my credit report, I noticed several fraudulent charges and/or accounts on my report. This has caused tremendous strain on my financial situation and prevents me from taking care of my family in the way I did previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
To whom it may concern ; My legal name is XXXX XXXX XXXX. 
My maiden name is XXXX XXXX XXXX. 

I need help before it's to late and I loose my home. During my bankruptcy, apparently, my loan was sold to a Carrington Mortgage XXXX. I concluded the bankruptcy back in XXXX of this year and was given the address within Carrington Mortgage to where I was to begin to send my mortgage Pymt. My pymts went from 9 something now to about 1400. dollars. I asked why and they claimed my taxes and insurance went up. Didn't matter, I paid it. 

I follow the instructions given up unto I was told now to send the pymt 's to the address on the Pymt vocher : still to Carrington Mortgage. 

I recently just received my mortgage statement and it is stating that I owe over 5000.00 plus dollars of no pymts plus late fees and penalties. 

This is the ironic part to this nightmare, I use cashier checks to make my pymts ; and XXXX XXXX has sent a copy of 1 of the cashier checks that was missing for the month of XX/XX/2020. This cashier check was deposited into someone else 's mortgage acct. The Carrington Mortgage clerk, who deposited the check in the wrong account, put the mortgage number on the cashier check to where it was deposited. 

Once I showed and verified this with one of Carrington Mortgage Debt Collection Clerks and admitted that to a fault of my own, I was not notorious for putting the loan number on my cashier checks. She stated that it should not have mattered because they use other identifying factors as well. As she began to fix the problem I thought, I instantly believed in her abilities because she gave me her supervisors email, XXXX : and had me forward what the bank sent to me, which was the missing cashier check in question for XXXX XXXX where is this 5000. plus dollars coming from : because of this, I have not sent in XX/XX/2020 XXXX. 

Well, she assured me that the matter would be cleared up in about a week. 

This turned out not to be accurate. He never emailed me back at no time to let me know anything. Now, when I pull him up in my email an attorney 's name or legal company come up, XXXX. 

I simply want my peace in regards to my mortgage and home back from Carrington Mortgage XXXX 

What am I to do? 

My point of contact is : XXXX : XXXX. 
My email is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been writing letters to Chase Bank stating that they are reporting on my credit report a debt that I do not owe. They have sent me letters back stating that the debt is mine and that they will not update the record reflecting that I do not owe this company. They are stating that I owe {$3800.00} which is false. I have asked them to bring forth any original contracts bearing my original signature and they have not been able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
INVANSION OF PRIVACY AND DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. VIOLATORS. WE ARE GOING TO FILE CLASS ACTION LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have paid this collection I will attach the paid letter received and receipt with this complaint. I dont understand why it was taken off and added back to my report I did indeed pay this to resolve it not deal with this

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 2020-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: AR

Complaint narrative:
INVANSION OF PRIVACY AND DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. VIOLATORS. WE ARE GOING TO FILE CLASS ACTION LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to sell used furniture on XXXX, and someone contacted me that he is interested in the furniture, he paid me an e-check ( {$640.00} XXXX through e-mail and ask me to deposit on the mobile phone, the check is cleared the following business day, and the buyer wants me to buy a visa gift card ( {$350.00} with {$5.00} activation fee ) to pay for the mover, the money has already covered in the e-check the buyer sent to me in the first, I bought the gift card and contact the mover to schedule the pickup, the mover process the card and said they will be the pick-up location in an hour, after two hours the person who sent me the check said he wants to cancel the deal and ask me to send part of the money-back ( {$250.00} XXXX through XXXX pays to his brother-in-law 's account, and cancel the deal. I paid the amount to cancel the deal, and the third business day, my bank notified me that they can not locate the account and return the money back, and charged me for NSF {$12.00}. In total {$610.00} lost. 

I double-checked with my bank about the validity of the check and they confirmed the check is cleared, that's why I can process the following steps. Suddenly, the bank told me that they can not locate the account and return the check without any further description. 

People related in the case : People contact me for the deal : XXXX XXXX XXXX XXXX cell phone number : XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX People send me the e-check : XXXX XXXX XXXX People I refund the money back : XXXX XXXX XXXX People tried to schedule the pick up : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I tried to contact PHH with no luck I am not sure what is going on with the forbearance in XXXX when I did not get any response, we sent the payment, and it was returned my son gave us money which I immediately put in the bank but the bank is saying it came in after the payment on the same day so they returned the check to PHH. At the time of doing all of this my family had XXXX, it was very difficult for us to get anything done with 7 of us sick. We were never notified of it by my bank nor a call from PHH. I went on the PHH webpage to see about the forbearance and that when I saw that the check bounced I right away paid online but they still reported us late I was under the impression that XXXX would be part of the forbearance. That is why I was asking for a forbearance plan we are a month behind we need help. I went on to XXXX XXXX it is showing that I am due for my next payment again we are just getting back on track. My family all 7 of us had the XXXX XXXX in XXXX plus I lost my job which is why I ask to start this in XXXX for 3 months, not XXXX, I ask them to please have a customer service rep call so I can understand what is going on. 
We are not 60 days late as you are reporting to the credit bureaus, we are due for XXXX, but it is not late we have up until the XXXX to get you the payment to PHH. We are not in collections. We just need some help like many Americans my husband is a XXXX veteran that was very sick with this horrible XXXX  again all 7 of us contracted the XXXX  and we short on the payment for XXXX, but I thought the forbearance started when I ask for it in XXXX. 
I have sent them numerous emails in XXXX and XXXX never got a response tried calling only to be discounted can not leave messages in mailboxes they are full. 
I finally received an email saying they are sorry that it took so long to get back to us and that we have the forbearance started does not say when it started. PHH and now you are reporting us late for XXXX and XXXX which should not be. How can they ignore all the emails that I sent asking for help really begging for help do you think homeowners like to beg for help. Right now because of PHH reporting us late it has affected us terribly we are sinking I feel PHH is treating me like a piece of dirt, I really was counting on PHH to help us I thought they would do the right thing and help homeowners not ignore them and ruin their credit. This is the second time PHH has not followed thru or help in 2019 they misapplied my payment and it took them 6 months to fix PHH needs to be looked Ocwen owners them and Ocwen has been banned from doing any mortgages in MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: OH

Complaint narrative:
I disputed an account on my credit report that's been on my report for over 7 years. The XXXX account that I'm referring to has been successfully disputed and cleared from my account when I brought it up with XXXX  and XXXX. I disputed this account with Experian and they refused to take it off 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 2020-12-20 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2020-12-20 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: GA

Complaint narrative:
Reached out to companies making them aware of the incorrect information on my report, asked them to verify and update my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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:
Reached out to companies making them aware of the incorrect information on my report, asked them to verify and update my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: Nelnet, Inc.
State: TX

Complaint narrative:
I co-signed a student loan for my daughter. She went back to school and applied for deferment and forbearance. ( which was granted ) I assumed all was taken care of. The company sent a letter to me showing a late payment due in the amount of XXXX that was 17 days late XX/XX/2020. Upon receiving the letter I immediately paid XXXX that was taken from my account on XXXX XX/XX/2020. Even though I was laid off work due to Covaid-19, I still took care of this to retain my credit score. I have never been late on a bill. I called the company and was told that I was late over 30 days XXXX ( math doesn't add up ) and that they don`t even need to notify ( by law ) that money is owed. I have tried to protest through the credit bureaus and I get the same response that the XX/XX/2020 late stays on my report. This dropped my score over 90 points. I have the letter they sent me and the proof of payment sent.

Company response to consumer: Closed with explanation