vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: IN

Complaint narrative:
In XXXX I lived in an apartment complex called XXXX XXXX. My job as a XXXX XXXX requires me to travel and be away from home. On XX/XX/XXXX I came home to my apartment that had been destroyed. My jewelry and purses were stolen along with my laptop and TVs. My patio door was open and my front door was also open. I immediately called the police to file a police report about the break in. The apartment managers didnt seem to care. They mocked me and stated shouldve had renters insurance. I stayed in the apartments a few more months and decided to leave before XX/XX/XXXX. The apartment managers said it was okay for me to move out since I didnt feel safe and told me I didnt owe them anything due to the circumstances. In XX/XX/2016 I noticed a bill almost totaling {$1800.00} ( collection account ) on my credit that the apartments said I owed. Its actually a judgement. In order to have a judgement arent you supposed to go to court? Arent you supposed to be properly served with papers? I never went to court and never owed a balance. When I contacted PRO COLLECT about my concerns everyone was extremely rude. Ms XXXX would not let me get a word in to ask questions. I asked her why is the balance appearing as a judgement and the only thing she could tell me was the Allegedly owed a balance when I do NOT. I have disputed this item on XX/XX/XXXX and they have failed to send me proper validation of this alleged debt! They only sent me the lease agreement which only verified that I did in fact live there but it does not VALIDATE this alleged debt! I they have been reporting false and inaccurate information to my credit for the past 3 and a half years. Everyone at this company is rude, and unpleasant. I have been disputing this debt for almost 4 years. I even tried to settle because it is hindering me and destroying my credit and I am tired of going back and forth with the people at this awful company. They told me I am not allowed to settle and that I must pay the balance in full. I refuse to pay a balance in full to a debt collector that can not even validate my debt properly BY LAW. They are knowingly reporting false information on my Credit and failing to properly Validate this alleged debt

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 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
The company was calling random people in my distant family asking for me, people I have no relationship with and never have. Said people then contacted my mother to ask her to pass along that a debt collector called their house and cell phones looking for me. They do not have permission to call ANYONE. It is a total violation of privacy. To top it off they were calling about a debt I resolved five years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MA

Complaint narrative:
I, XXXX XXXX, believe that I am a victim of a predatory foreclosure scam that violates the Consumer Protections of RESPA and 12CFR1024.30-41. 

I received a loan modification from my previous mortgage servicer XXXX XXXX and can attach the Trial Period acceptance letter in XX/XX/XXXX. I began making the trial period payments in XXXX, XXXX and XXXX. 

What happened was I failed to call and accept the modification. I just paid the whole Trial Period of 3 months, expecting the trial modification would become final, only because the letter " only stated they would cancel if I did not pay ''. 

I figured I could skip the first sentence that said call us to accept. Their letter did not say and was not clear they would cancel, if I didn't call and accept. 

So, XXXX XXXX servicing corporation considered that a fail and transferred my mortgage to SN Servicing Corporation who I sent payments to starting from when they invoiced me from XXXX and XXXX. 

I made a request for information as per 12CFR1024.36 last week and the mortgage holder SN Servicing Corporation has not provided a written response to that information request in violation of 12CFR1024.36 ( c ). 

Further, SN Servicing Corporation failed to provide me with adequate written notice as per the requirements of 12CFR1024.39 ( b ) and thus should be prevented from proceeding with foreclosure at this immediate time. 

The last payment they returned was mailed back to me XX/XX/XXXX. As per the 45 day rule of section 12CFR1024.39 ( b ), SN Servicing Corporation should be prevented from proceeding to foreclosure until the earliest date of XX/XX/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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
M & T Bank made a breach on my XXXX Credit Report profile page. When reviewing my XXXX Credit Report file XX/XX/XXXX, I was stunned to discover an unauthorized land line phone number was listed under my home and cell phone numbers. I disputed the unauthorized phone number on XXXX website & called XXXX on XX/XX/XXXX to confirm the disputed report and have the number removed from my profile page. The XXXX agent stated that M & T Bank added the unauthorized phone number one month after my husband and I took out a loan for a recreational vehicle, which would have been XX/XX/XXXX. I immediately contacted M & T Bank, the first Bank representative made a lame suggestion that the unauthorized phone number was likely a bank branch number, but the nearest branch is 129 miles from my home, and the area code is the same as mine. I hung up & called a 2nd time, requesting to speak to the Fraud department, in which the bank representative did find the unauthorized number on M & Ts file in my name. The number was removed. I wrote a letter to M & T Bank XX/XX/XXXX explaining the above and requesting HOW this could have happened. I checked the other credit reporting agencies & only XXXX had the unauthorized phone #. I check my credit reports annually, did not notice the phone number until XX/XX/XXXX. I am aware that M & T Banks ATM accounts were hacked and wonder if other systems within the bank were hacked?

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 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened XX/XX/2017 Balance {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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:
XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX  Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX  {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 I've now also filed with the attorney general office. The above need to be deleted by law in accordance with section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity

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 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MNS & Associates LLC
State: UT

Complaint narrative:
On XX/XX/2020 I received a call from an unknown person at XXXX XXXX XXXX  using a utah zip code number. They explained they needed me to verify my social security number and place of employment and assets with paperwork. They further went on to say that something would be " initiated '' in the next 24-48 hours which was very threatening. They didn't state what they were calling on behalf of or what debt they were trying to collect and didn't give their name. Only where they were calling from.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Paypal Holdings, Inc
State: OK

Complaint narrative:
I received an alert that I had a hard inquiry on my credit report on XX/XX/XXXX by a company called BILL ME LATE/PayPal. They even used an old address on the inquiry. I contacted XXXX and they told me Id have to contact the company and they gave me the number of the company from report. 
Called the number and it was to PayPal XXXX. They transferred me to fraud dept supposedly and I spoke to a XXXX that said account would be closed and a fax sent to all 3 credit agencies to remove the hard inquiry. He gave a report number of XXXX. The next day I got another alert that the credit card was opened. 
XXXX # XXXX XXXX # XXXX XXXX # XXXX I keep getting alerts even as of today XX/XX/XXXX that the PayPal CC was opened in my name. 

Called XX/XX/XXXX PayPal Fraud at XXXX and spoke to a XXXX that was very rude and told me that the CC was closed 6 days ago and said that nothing would be sent to the credit agencies until they did their investigation which could take up to 90 days to decide basically if Im lying or not!! I am so upset as I have an 800+ credit score which keeps going down due to this company! I did a search regarding this company on your site and they have done this before and there was even a judgment in XXXX!!!! Evidently they are doing this again!! 
PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: CA

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX/XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2020-01-21 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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2020-01-21 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. 
I have filed a Police Report with XXXX Police Dept. and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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:
Experian has illegally re-aged my US Department of Education account. Under CFRA the account must be removed from the first date of delinquency. I have called and disputed this information with Experian several times and each time Experian re-ages the account based on the dispute month and not the first date of delinquency. This account is due to fall of this year. Experian has re aged this account from 2013 for another 7 years. This action is ILLEGAL under the CFRA.

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 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
2 BANK OF AMERICA ACCOUNTS WERE OPENED FRAUDULENTLY. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE CONTACTED BANK OF AMERICA NUMEROUS TIMES,  THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE ALL FRAUDULENT. I UNDERSTAND THAT BANK OF AMERICA IS A BIG COMPANY, EVERY TIME I CALL I GET TRANSFERED FROM DEPARTMENT TO DEPARTMENT AND NO ONE IS ABLE TO FIND ANY INFORMATION SINCE THESE ACCOUNTS ARE CLOSED AND OTHER DISPUTE. THEREFORE I NEED THESE TO BE REMOVED 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 non-monetary relief
Consumer complaint received 2020-01-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Innovis
State: OH

Complaint narrative:
I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. 
I have filed a Police Report with XXXX Police Dept. and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: LEXISNEXIS
State: OH

Complaint narrative:
I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. 
I have filed a Police Report with XXXX Police Dept. and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened : XX/XX/2017 Balance {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage was denied a modification because they said my income was insufficient. After reviewing the denial it appears they used less than half my income to qualify me. When I asked them to give me an explanation why they didn't use all my income they refused to give me an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My new address hasn't shown up on report. I've sent proper documentation to Experian and XXXX  to have my address updated months ago and nothing has changed. it is stopping me from getting a car loan.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of fraud and requesting the following fraudulent inquires to be removed from my credit profile. These fraud inquires have were never authorized by me. XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
In XX/XX/2019 I arranged to get a {$500.00} loan agreeing to pay off with two payments over four weeks .I got an email saying I owed {$150.00} which I thought I had paid it off before. I went to my bank account and theyve been taking payments out of my check for twice a month since XXXX which equaled to {$1900.00} paid back on a {$500.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened XX/XX/2017 Balance {$1300.00}

Company response to consumer: Closed with explanation