vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: NV

Complaint narrative:
On or around XX/XX/XXXX, our company closed an office in XXXX XXXX, CA and terminated relevant services. Internet and various utilities. On XX/XX/XXXX I received an email from McCarthy, Burgess & Wolff ( hereafter MB & W ) saying that a XXXX bill was unpaid. After reviewing the very " grainy '' documents they provided, it appears that XXXX XXXX XXXX continued to bill after service was discontinued, applied my {$250.00} deposit, and then continued to bill long after service was terminated. 

I immediately ( same day. XX/XX/XXXX ) replied to their email asking for more documentation. I received no response. 
On XX/XX/XXXX, I left a voicemail with the agent assigned to me in the letter. I received no response. 
On ( I believe ) XX/XX/XXXX, I left an additional voicemail. I received no response. 
On XX/XX/XXXX, I sent an additional email. I received no response. 
On XX/XX/XXXX, I sent an additional email. I received not response. 
On XX/XX/XXXX, I sent a letter via USPS with tracking and signature confirmation. I received no response. 

From my written, delivered, and signed-for letter sent to MB & W " To recap. The documentation you sent was very grainy and difficult to read. It would appear that this account was still being billed after being closed. I am requesting the invalid billing be voided, and my {$250.00} deposit with applicable interest be refunded. " To date, excluding the original email I received from MB & W, I have not received any response to any of my inquires. No emails, no postal mail, no callback. 

From MB & W Account XXXX, File XXXX, Invoice XXXX Contact Information : Agent listed XXXX XXXX Website : http : //www.mbandw.com/ Mailing Address : McCarthy, Burgess & Wolff XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , Ohio XXXX USPS Tracking with Signature Confirmation : XXXX " Your item was delivered at XXXX XXXX on XX/XX/XXXX in XXXX, OH XXXX. The item was signed for 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 2020-05-07 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: SC

Complaint narrative:
on XX/XX/XXXX I called the Experian Bureau concerning my dispute letter that was sent on XX/XX/XXXX and was signed for on XX/XX/XXXX. I was told by three agents that the letter wasn't there but I had a certified return receipt reflecting that the documents were signed for. I spoke to an agent by the name of XXXX that told me that if I wanted to dispute the items I had to dispute via phone one by one. He also later stated that the documents were received with everything that I told him was included in the package sent. He stated that he could not provide details when I asked was the dispute open. He stated that there was a special department reviewing. I asked was the disputes open he told me he could not share the information but that I could dispute each item with him. I advised him per the FCRA Act when a dispute is received, it must be reviewed and provide documentation that it was reviewed and the actions taken. I haven't received any alerts that my dispute was reviewed. He would not provide any details on the dispute. I asked to speak to the correct person and even his supervisor he refused to do so. I provided my credit report, my proof of residency, ID, and dispute letters for the dispute. I haven't received any indication that it was reviewed. They have 30 days from the date of receipt and they haven't even opened the dispute or provide any updates. They've even lied about the letter being received. This furthermore proves that they either lose letters or completely disregard. THis is affecting my credit and my ability to do things.

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 2020-05-07 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: TX

Complaint narrative:
all ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Robocalls cost XXXX  $ XXXX arbitration award A XXXX woman won a {$450000.00} arbitration award from XXXX last month after receiving more than 300 robocalls from the XXXX-area retailer, which was trying to collect payments on her {$1600.00} sofa set purchase. 
Consumer Financial Protection Bureau Fines XXXX XXXX {$100.00} Million for Widespread Illegal Practice of Secretly Opening Unauthorized Accounts Search Results Web results FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} billion penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ... 
Search Results Web results XXXX XXXX  Robocall Lawsuit - The Class Action XXXX XXXX Blog XX/XX/XXXX - XXXX XXXX  is suspected of violating the Telephone Consumer Protection Act. ... you may be receiving annoying robocalls in violation of federal law. ... cardholders and has loaned over {$2.00} billion since it was founded in XXXX. 


The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

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 2020-05-07 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:
all ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Robocalls cost XXXX  $ XXXX arbitration award A XXXX woman won a {$450000.00} arbitration award from XXXX last month after receiving more than 300 robocalls from the XXXX-area retailer, which was trying to collect payments on her {$1600.00} sofa set purchase. 
Consumer Financial Protection Bureau Fines XXXX XXXX {$100.00} Million for Widespread Illegal Practice of Secretly Opening Unauthorized Accounts Search Results Web results FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} billion penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ... 
Search Results Web results XXXX XXXX  Robocall Lawsuit - The Class Action XXXX  XXXX Blog XX/XX/XXXX - XXXX XXXX  is suspected of violating the Telephone Consumer Protection Act. ... you may be receiving annoying robocalls in violation of federal law. ... cardholders and has loaned over {$2.00} billion since it was founded in XXXX. 


The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 

THE BELOW ACCOUNTS ARE REPORTING LATE PAYMENT HISTORY WHICH IS INCORRECT. I NEED THESE ACCOUNTS AMENDED TO NEVER LATE IMMEDIATELY.

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 2020-05-07 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 

THE BELOW ACCOUNTS ARE REPORTING LATE PAYMENT HISTORY WHICH IS INCORRECT. I NEED THESE ACCOUNTS AMENDED TO NEVER LATE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Ocwen Mortgage company took over my mortgage approximately XXXX to the best of my memory, and I did not know who they were or anything about them. I had no choice in this matter and did not seek another mortgage company, they picked my mortgage to exploit for profit. As it turns out I discovered they are merely a collections agency that got into the mortgage business during the XXXX housing crises. They are a nonlending mortgage company that finds people that have had mortgage payment problems and then exploit this by raising the mortgage payments without explanation or remorse to force the sale or foreclosure of the house. They have raised my mortgage payments on a 30 year fixed rate loan ignoring requests for an explanation for the increases in my payments. I was forced to hire a lawyer in XXXX trying to deal with this company and forced into bankruptcy only because of them and trying to not lose everything I have worked for my entire life. 
In approx XXXX XXXX they had raised my mortgage by over {$800.00} from the original payment amount and there was no way I could pay it I sought help from them still not knowing they were merely predators seeking profit. I was instructed by their representative XXXX XXXX to get 3 house payments behind allowing them to do a mortgage reconstruction dropping my interest rate and house payment. This was a tactic that when I was behind 3 payments I would not be able to refinance with another mortgage company and would literally be locked into a mortgage reconstruction with them. I did as i was told got 3 payments behind and began the mortgage reconstruction making my 3 trial payments of {$1100.00}. They sent me te paperwork to sign and my principle had gone from {$210000.00} to {$220000.00}. When I inquired and asked for a written explanation for this {$13000.00} they refused and would not explain it and told me to just sign and send the contract. I refused without seeing a written explanation. I tried to make the fourth payment and Ocwen refused my payment and within 5 days sent me foreclosure papers. It has been a legal battle ever since then costing me money without seeing any relief. 
Ocwen is well known to CFPB as they were shut down from obtaining new mortgages for the doing to others as they have done to me. Unfortunately, they see the CFPB as a toothless tiger and have merged with another company PHH Mortgage and continue to operate using the same tactics as always. I am now doing battle with PHH Mortgage and my lawyer that admits I was forced into bankruptcy only because of Ocwen has done nothing for me yet has had me send money to the mortgage company that has done nothing to help my situation. In effect it has ruined me, a XXXX veteran that is a XXXX  and I am going to be forced out of my house with nothing. Ocwen/PHH Mortgage are destroying the lives of people every day and disregard every government agency that slaps them on the wrist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: MD

Complaint narrative:
Did a money transfer for cash pickup through XXXX, and went to a Ria money transfer location to pick it up on XX/XX/2020. The amount of the transfer was {$500.00} USD and after checking the money when I got home, I noticed a fake {$100.00} bill. I called Ria and they denied giving me a fake {$100.00} even though it was in the stack of money when receive and I have not touched it till I got home to count it. I knew they may have intentionally done this because they were rude with me the first few times when I tried to use their service. The location of this Ria is, XXXX XXXX XXXX, XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}

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 2020-05-07 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Good day, My name is XXXX XXXX and I'm inquiring in removing the AKA 's ( Also known as.. ) names erroneously reflecting my credit reports. XXXX  is reporting an AKA as : XXXX XXXX XXXX which is extremely incorrect. Transunion is also reporting the following erroneous AKA names as : XXXX XXXX, XXXX XXXX, XXXX, XXXX I am demanding for these AKA 's to be removed IMMEDIATELY, they DO NOT belong to me, and neither am I going to let them remain on my credit report. Nothing has been done about this matter, please assist.

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 2020-05-07 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my 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 2020-05-07 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my 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 2020-05-07 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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:
I have been a victim of identity theft

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 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AXOS FINANCIAL, INC.
State: MN

Complaint narrative:
I attempted to open an N26 account ( Axos Bank, Member FDIC ) online on XX/XX/2020. I received an error message stating that additional information was needed to open my account. 
I became concerned because another online bank had declined my application because my SSN was already associated with an open account. 

I have contacted N26 three times, XX/XX/2020, XX/XX/2020 and XX/XX/2020 in an attempt to find out if there is a fraudulent account opened in my name. Each call, I waited on hold, explained my situation to a representative and was then hung up on. I believe this " bank '' is allowing fraudulent transactions. 

I am requesting from N26/Axos Bank : - A written statement stating why my application was denied - Written acknowledgement If someone has opened an account using my SSN - Written acknowledgement that if there is an open account using my information that has been closed and that I am not responsible for any charges associated with the fraudulent account. 
*This is very important as I am in the process of qualifying for a mortgage I thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation