vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My loan was sold to PHH in XXXX from XXXX XXXX. I had the forbiddance plan with XXXX XXXX. PHH offered me the forbiddance plan to defer my monthly payments for 3 months due to loss of income. They told me that in XXXX I could call to have the loan modification for the 3 months I deferred. I have been calling PHH since XX/XX/XXXX, have called probably 20 times, spoke to different people and no one can resolve my issue. They promise call backs and miss them and when they call nothing has been done. One promised that they submit the application for loan modification but I called recently that was never done. They also promised me that they sent the papers via email and mail and never did. I am worried that this will affect my credit when its not my fault. The 3 months is due on XX/XX/XXXX and I still have not resolution of what it will be done. This is a horrible company with no structure to handle peoples mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I received an email receipt that shows that I signed up for a subscription service by TransUnion for a " TransUnion Report, Score, and 3-Bureau Credit Monitoring ''. I must have clicked something that did not explicitly state that I was going to be paying and continually billed {$24.00} a month. This receipt was sent on XX/XX/2020. I cancelled the subscription on XX/XX/2020. Again, it was not explicitly stated that this charge was being made to my credit card. I want confirmation that this has been cancelled.

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 monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Back in 2014 or earlier I had an XXXX XXXX which was covered under my insurance. Then a couple years later I see a collections on my credit report with no notification, I disputed and it was removed. A few years later it has came back. I have never received a notice of any kind from Rash Curtis in regards to this debt. With it being removed after my 1st dispute I do not feel it should have came back on my report. Rash Curtis Associates have a really bad reputation for falsifying debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I have sent letters attached with FTC Identity theft reports to XXXX  and XXXX  asking to block or remove items from my reports due to identity theft and the accounts remain as they say the accounts are accurate but in all actuality they arent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: NY

Complaint narrative:
this is my second request and again for the second time I am sending my identification and a copy of my social security card and my FTC reports. If your office is now open from the covet-19 virus please address my issue

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 2020-06-29 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: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I received a service from a medical facility whom did not bill my insurance correctly. The bill is {$1500.00}. I contacted the medical facility many times and they refused to resend the bill to the appropriate insurance for payment. When I last spoke with representatives form the company, they said it was too late to bill the insurance and have sent it to collections which is negatively reflecting on my credit and hindering me from purchasing a home. 
This account could have easily been paid in full if the medical staff/billing person would have completed the tasks properly to bill the correct insurance.

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 2020-06-29 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: NY

Complaint narrative:
I am a person not a credit repair person or company. I am a victim of identity theft and please address my concerns regarding my credit report that is showing fraudulent account. they are on the wrong account they are not mine

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 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Disputed account in XX/XX/XXXX, asked for verification of debt as well. I have not received any verification of the debt by company. Dispute was updated as information was correct. I am a victim of identity fraud and have had my credit locked since XXXX. I disputed the debt again on XX/XX/XXXX, once again advising i know nothing about this account nor do i know who the company saying i owe the debt too is. Updated on XX/XX/XXXX as debt is correct. Still havent received verification of the debt. Also requested a cease and desist from company and they are calling me 3 times a day.

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 2020-06-29 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: AL

Complaint narrative:
I am contacting you again because I filed a complaint about Equifax on XX/XX/20 XXXX letting you know that Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. They responded saying that my information does not match their records but I have the same information that they just sent me a credit report to. I am asking again that these accounts be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
last month i went on line to my paypal account to make a payment to find my credit limit had been lowered by almost XXXX I contacted the company and they gave a multitude of reasons all were lies, they cited my house loan that I've had since 2012 nd never late, they cited my credit cards none of which were late, they cited my credit rating, my rating was over 625 until they lowered my limit coting me 16 points, they cited my work? of which i have been employed for 3 years and covid, i told them my employer is an esential business and there are no problems. they refused to listen or even let me talk to a manager. I would like my credit limit restored to the XXXX limit

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 2020-06-29 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: Dyck-O'Neal, Inc.
State: SC

Complaint narrative:
Company DYCK ONeal Inc, XXXX XXXX XXXX, XXXX, TX XXXX is reporting a fraudulent account to my XXXX  Report.The information their reporting as an account in the amount of {$170.00}. Ive never obtained any goods or services from this company. They submitted a document from a company called XXXX XXXX with inaccurate and incorrect information about me, like my place of employment, address, bank account and goods I never received. Im not certain how they obtain some of my information like my social security number and date of birth. Somehow they were able to create a false document and place it on my credit report as an account. This document doesnt have my handwritten signature anywhere on it. I have filed 2 police reports and sent them to XXXX  who has refuse to remove and block this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is still reported account from XXXX XXXX  on my credit report that is too old. The first delinquency has already exceed 7 years in XX/XX/2020. XXXX  and XXXX  deleted from my credit report on XX/XX/2020 but problems with Equifax as usual. Its not like the creditor tells credit agencies okay go ahead and delete from XXXX  and XXXX  but not Equifax. Equifax needs to follow FCRA and remove old information. I have proof that it has been deleted from XXXX and XXXX. I am not saying the debt is not valid but I am saying that Equifax needs to follow the law. They are not supposed to be reporting debit that is over 7 years old. Equifax should not be able to report incorrect information. Everyone always says they hate dealing with Equifax and wish there was another credit bureau that would replace Equifax. They lie, misreport information, and are difficult to deal with. My credit score are like 60 -85 points higher with XXXX  and XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank herein stated as " The Company ''. The company stated online and i have a saved printed copy that my next car payment will be on XX/XX/2020, now it appears that i have to pay immediately and/ or will face negative action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I paid a collection off with fortivia the beginning of this year. They sent me a letter in the mail to pay the collection in full for a discounted price of XXXX dollars. I paid the amount in full and the collection was never updated in my account as paid in full but instead of charge off which isnt the same. This particular incorrect data has stopped me from getting a new credit card from my new bank in the state of north carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: MO

Complaint narrative:
Experian XXXX XXXX and XXXX all incorrect and recorded information. They each indicate that I have delinquent accounts which is incorrect. I have zero delinquent accounts I have no accounts in collection so I dont know where theyre getting this information but it is incorrect please see attached. I have tried to get a student loan that is still showing on my credit report. If in fact I owe the student loan that theyre saying is outstanding I would not have a received a federal tax refund which I have received this year. The department of education had duplicate a loan that I did not have. The one loan shows that a check it out in XXXX when I had graduated school in XXXX so this information is seriously incorrect. With regards to the student loan I have tried on numerous occasions to get it removed and its not been it resolved.

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 2020-06-29 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: MO

Complaint narrative:
XXXX trans union and XXXX all incorrect and recorded information. They each indicate that I have delinquent accounts which is incorrect. I have zero delinquent accounts I have no accounts in collection so I dont know where theyre getting this information but it is incorrect please see attached. I have tried to get a student loan that is still showing on my credit report. If in fact I owe the student loan that theyre saying is outstanding I would not have a received a federal tax refund which I have received this year. The department of education had duplicate a loan that I did not have. The one loan shows that a check it out in XXXX when I had graduated school in XXXX so this information is seriously incorrect. With regards to the student loan I have tried on numerous occasions to get it removed and its not been it resolved.

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 2020-06-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had 1 credit card with XXXX XXXX XXXX account ( as an authorized user ). Experian reported it. Account opened XXXX, still open. Experian deleted the account after the 2nd half of XX/XX/XXXX without a valid reason. They refuse to reinstate and lie stating reasons that don't exist or they try to blame it on Transunion and/or XXXX who BOTH report it correctly which Experian has been told numerous times. Experian mistakingly deleted the account the 2nd half of XX/XX/XXXX after I was a victim of identity fraud in XXXX. I have disputed this mistaken deletion of the XXXX XXXX XXXX Credit Card by fax, by postal mail, and on the phone as well, asking them over and over to put the account back because it is validly mine ( I'm an authorized user and the account is on same address, never late, same address since XXXX never moved, never anything that would make this account suspicious ). On the XX/XX/XXXX phonecall, I was confirmed of the dispute, and the account was said to be reinstated immediately. Report Number : XXXX Date Generated : XX/XX/XXXX Your dispute results are currently not available online ). It is the only dispute in the account. The mail and fax disputes are not there. After numerous emails with proof to Experian and XXXX XXXX XXXX  monthly, the account is NOT reinstated. It has been over 4 months. Experian 's nonsense responses vary from saying start a new dispute, to saying go to other credit bureaus, to saying they don't have any dispute information, to starting a new dispute again, to calling again, to mailing through postal again, to saying we don't report this creditor ( but they deleted it ), and never do they acknowledge the existing disputes methods, not the 1 dispute that is online, nor do they look at the proof by XXXX XXXX XXXX letter stating it is indeed my ( authorized ) account. COVID makes calling impossible, very hard to reach before COVID as well and since they don't do what they say on there anyway, I don't wish to call. 
XXXX XXXX XXXX contact XXXX XXXX XXXX ADDITIONALLY, delete all names that were used in the identity fraudulent ( see the Identity Theft Report ). Experian states I used these in applications but those were fraudulent applications so the names used should be deleted accordingly. The rest was already deleted ( fraudulent hard inquiries, fraudulent phone number, fraudulent zipcode ).

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 2020-06-29 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I paid my Citi Bank Credit card in FULL. Citi has reported me owing {$750.00}, but the account is paid in full. Attachments are proof of that

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 2020-06-29 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: NY

Complaint narrative:
there are 4 account on my credit report that are not mine and should not be there, I believe I am 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 2020-06-29 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
TD Bank offered me a {$1400.00} offer to settle my account & it will be considered " PAID IN FULL ''. This is also a balance I took care of even though the card was opened without my knowing and they Rep said I was still liable & I sent adequate infromation on no way possibly being able to open a cosumer credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 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: NY

Complaint narrative:
there are 4 account on my credit report that are not mine and should not be there, I believe I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. CALIFORNIA XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: NY

Complaint narrative:
there are 4 accounts showing on my credit report that are not mine, I believe I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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 am a victim of identity theft, there are 4 accounts showing on my credit report are not mine

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