vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an unverified account from XXXX  XXXX. I had previously disputed this account. I have never done business with XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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.

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 2020-02-13 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:
FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH XXXX. MY EMAIL IS XXXX. 
XXXX AND XXXX  HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX  XXXX XXXX   XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA 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 2020-02-13 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:
FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH XXXX. MY EMAIL IS XXXX. 
XXXX AND EQUIFAX HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX  XXXX  XXXX   XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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:
This is the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 

01 XXXX XXXX XXXX XXXX {$86.00} XXXX   XXXX {$58000.00}

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 2020-02-13 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:
This is the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 

01 XXXX XXXX XXXX XXXX {$86.00} XXXX   XXXX {$58000.00}

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 2020-02-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have an unverified account from XXXX  XXXX. I had previously disputed this account. I have never done business with XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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 for the first time in 4 years and I saw a couple of accounts and many inquiries that are not mine. These suspicious accounts and inquiries need to be removed from my report. It is fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This account was last active XX/XX/XXXX XXXX  an XXXX already removed these accounts. But Experian saying the account was open XXXX. I am asking can you remove these accounts from Experian 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 non-monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
We were behind on our mortgage in XXXX of XXXX. Statement from Ocwen dated XX/XX/XXXX said the total reinstatement amount was XXXX. On XX/XX/XXXX we paid XXXX which was the past due reinstatement amount plus the payment due on XX/XX/XXXX. Our regular monthly payment was {$590.00}. Our next statement dated XX/XX/XXXX which should have been for XXXX due XX/XX/XXXX had a total amount due of {$1600.00}. The charges were for our XXXX payment ( XXXX ) plus a ( XXXX ) title search fee date XX/XX/XXXX and a ( {$310.00} ) charge for title report dated XX/XX/XXXX. Not sure how you get a title report before a title search but that's neither here nor there. The search and report were done 20 days after we brought our account current. The mortgage originated in XXXX. So what purpose was there for this charge? On XX/XX/XXXX we paid the XX/XX/XXXX regular monthly payment plus late fees even though it wasn't late as per their 15 day grace period. On the statement it breaks down what they say is owed into different categories. 
Regular monthly, past due payments, Past due fees/other charges The first 2 statements had the XXXX due for past due fees/other charges. The 3rd month they switched it to past due payment charges. As in we missed payments. 
I have addressed ocwen about this issue. And the many many other issues we have dealt with over the past 16 years and have never got anything resolved. From the very start of this loan when the closing agent/broker ( XXXX  XXXX  and or XXXX  XXXX  XXXX  ) pulled a fast one on us at closing by having the final truth in lending disclosure statement on top with the financed amount of XXXX showing for lender XXXX XXXX and going over that one page with us then distracted us by non stop talking while the rest of the pile was signed and initialed with a loan amount of XXXX was what was being reflected on the rest of the documents. And an unexplained XXXX increase in our principal balance in XXXX. And plenty of other issues as well including a falsified Corporate Assignment of Mortgage signed by an employee of Ocwen as VP of XXXX  XXXX XXXX, filed XXXX of XXXX on behalf of XXXX XXXX XXXX  as trustee for XXXX. From XXXX XXXX XXXX f/k/a XXXX  XXXX  XXXX  ( our original lender and servicer ) whom swore under oath in XXXX that it neither owned nor serviced any residential mortgages on that date. If they sold our note prior to XXXX to XXXX  why did they wait til XXXX to record that assignment with our county recorder? We just are at our limits. We cant find any remedy and cant take the abuse any longer. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: HI

Complaint narrative:
Since XX/XX/XXXX I have tried to communicate in writing with XXXX XXXX and their hired company namely, Johnson Mark, LLC. I have largely been ignored and would love for them to respond to my many letters since XX/XX/XXXX the last one dated XX/XX/XXXX. They continue to say that I have late payments yet they will not respond to my requests to negotiate the overly fee inflated balance they have incurred on me. I simply would like to negotiate the remaining {$2400.00} I owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: GA

Complaint narrative:
XX/XX/XXXX-Emergency visit to XXXX XXXX XXXX, they received our insurance information and treated our daughter. We paid co-pay and XXXX XXXX XXXX filed insurance claims for the hospital and XXXX XX/XX/XXXX- they were paid by our insurance. 

In XX/XX/XXXX-three years later, I noticed a new collections on the credit report. Requested a copy of the original bill. It was for a XX/XX/XXXX. XXXX XXXX XXXX XXXX. I contacted XXXX XX/XX/XXXX, XX/XX/XXXXXXXX, and the collections agency- this was never turned into insurance ( XXXX ) and we never received a billing at the time of servicel. XXXX XX/XX/XXXXrep said XX/XX/XXXX XXXX was not one of their emergency groups at that time and it is either fraudulent or someone made a mistake when entering. I need help because they keep moving it from collection agency to different agency. I keep disputing and even tried to get XXXX to pay but it was too old by the time we found out there was a bill. 

I have spent many, many hours of the days, emailing and calling trying to get this cleared up with no success. Please, any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I did a refinace on my home and paid off my Personal Credit Line with Huntington Bank. On XX/XX/XXXX I was contacted by phone by my title company who informed there was still a balance owed and it was going to jeopardize the status of my refinance. Upon review of the account here is what I found : On XX/XX/XXXX my account had a XXXX  balance but on XX/XX/XXXX an additional charge of {$190.00} was assessed. When I called Huntington I was advised by a representative of the bank that the fee was assessed in error and that they would have it waived. I advised them this was impacting my refi and he stated he would have it expedited. 
On XX/XX/XXXX I received not one but two letters from Huntington with a demand for payment due by XX/XX/XXXX or I would incur additional interest. At this time I followed up with them only to be advised that I had been misinformed by the previous rep and that because there had been a draw on my account of {$400.00} that I owed {$190.00} in additional charges despite having paid the account balance to XXXX and that the amount would not be waived as I had been informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
I called the collection agency and explained that XXXX XXXX Hospital made a mistake in billing me. I gave them my receipient medical ID number and my Medicaid card.The debt is over 10 years old and several collection agencies had this debt. The billing information was also forwarded to the Department of Human Services and XXXX XXXX Hospital has erroneous information I never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There were 2 dubious accounts on my credit report and I initiated a dispute process on XX/XX/2019. TransUnion, XXXX  and XXXX  failed to provide me the method of verification of how they verified this dubious and false information. 
All I want is for them to remove this incorrect information from 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 2020-02-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
I received a letter from this Alleged Servicer SN Servicing Corporation in XX/XX/2020 demanding payment for the Amount of {$12000.00}. 
I'm disputing the total amount claiming in its letter Plus the Standing to be a Debt Collector Please see my Dispute Letter and including 4 Attachments in regards.

I would like ask urgently to the CFPB this issue be look by US Regulator because I believe I been victim of MORTGAGE SERVICE FRAUD. 
Please look for reference CFPB inquire # XXXX against the alleged Trustee XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MA

Complaint narrative:
In the past, I filed complaint against ( Pennsylvania Higher Education Assistance Agency ) about the consolidated loan term that I never agree with and the borrower has never signed the loan documents and I am wondering how they did without the borrower 's consent. So I need to have all documents relate to the consolidated loan term.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC
State: PA

Complaint narrative:
I signed up for the XXXX XXXX XXXX and cancelled after I was dissatisfied with the product. The company continued to bill me and send me products even after I had cancelled. Then I started receiving letters from XXXX XXXX XXXX XXXX for one of  the kits sent to me AFTER I had cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: NH

Complaint narrative:
Sallie Mae has called me over a dozen times in the past 6 months trying to get a hold of my son. He owes them money, not me. I am not on the loan in any way, nor am I a cosigner. They are not only contacting me they are contacting all my relatives as well who do not even know how to get a hold of my son. I have asked them repeatedly to stop calling me or anyone in my family. The only people they should be contacting is my son or his mother who did cosign the loan. I have given them both my sons and ex-wife 's contact information, but since they are not responding they keep calling me. There is nothing I can do for them and even though I have asked for them to stop calling me they continue to do so. This is harassment at this point. There is nothing I can do for them. 
They called me XX/XX/XXXX, XX/XX/XXXX and just again now on the XX/XX/XXXX. I have blocked their # however it allows it to still go to voicemail. They have used different # 's in the past as well to get around the fact I have blocked them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I alerted my bank that there were fraudulent transaction made on my behalf sending money from my account to someone else. My bank told me they can not do anything for me, even when I told them that I could not have made those transactions. I told them my phone went missing and when someone returned it, one day later I noticed those funds were issued. There ought to be some protection for me as customer of my bank to be able to retrieve my funds. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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:
I pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are not mine. These suspicious accounts and inquiries need to be removed from my report. It is fraudulent 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 2020-02-13 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:
I pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are not mine. These suspicious accounts and inquiries need to be removed from my report. It is fraudulent 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 non-monetary relief