vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-02 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On XXXX18, Equifax File number XXXX investigation was completed and informed me that the account has been verified belonging to me. The account in question is XXXX XXXX Credit Card. This information is inaccurate due to the fact XXXX XXXX no longer owns this account, and the account is currently owned by a collector by the name of XXXX XXXX. In addition, The account originated from XXXX XXXX, which has was previously removed from Equifax which makes it impossible for 100 % accurate verification to have been performed. Equifax has failed to provide reasonable determination and 100 % verification regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 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: NV

Complaint narrative:
Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX Nevada since 2015. This XXXX XXXXXXXX XXXX was opened in a different state. Alabama. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report 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 2018-06-02 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: NV

Complaint narrative:
Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX Nevada since 2015. This XXXX  XXXX XXXX was opened in a different state. Alabama. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 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: NV

Complaint narrative:
Recently XXXX and XXXX  has had a breech where thousands of consumers information got into the hands of others. I have been a victim of identity theft provides police report. Contacted Business to show proof I gave permission for them to pull my credit and still no response. I need these items removed from my credit immediately or either show proof that I requested. I did not authorize anyone to pull my credit.

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 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Have tried several times to have late payments removed for my accounts, that are in good standing. Have called and written letters but they refuse to remove late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company only calls when there is a payment due. Have not seen any improvement in my credit they are just taking my money without improvement.

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 2018-06-02 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: NV

Complaint narrative:
Recently Transunion and XXXX  has had a breech where thousands of consumers information got into the hands of others. I have been a victim of identity theft provides police report. Contacted Business to show proof I gave permission for them to pull my credit and still no response. I need these items removed from my credit immediately or either show proof that I requested. I did not authorize anyone to pull my credit.

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 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I XXXX XXXX does hereby approach the Consumer Financial Protection Bureau to see if a federal agency can be of assistance mitigating a home foreclosure. My home was originally owned by my father, who has recently filed for a bankruptcy petition that was thrown out of court. Recently my father decided to move back to the XXXX XXXX, and I was given title to his home, where I happen to live with my husband and XXXX children. A copy of the deed transfer is attached. The balance on the mortgage is over {$220000.00}. The property may sell at foreclosure for {$70000.00} to {$80000.00} at best. I can bring in an attorney to address the court for a hold on the scheduled foreclosure of XX/XX/XXXX, so that a proposal can be made to take over the existing mortgage under a modification agreement with a specified amount to be placed in forbearance. I am a member of the XXXX community, obviously a XXXX, who is a professional in the field of XXXX XXXX XXXX. My father has signed a full power of attorney to handle the mortgage negotiation as if I was first person. However, time is short and I wish to maintain ownership under a modified payment arrangement. Accordingly, I need a communication process opened immediately, and a postponement on the scheduled XX/XX/XXXX foreclosure date. It was my father that let this mortgage get out of hand, and now I have been placed in a position whereas I can afford a mortgage payment, but there is a specific deadline on making such an arrangement. There is an unanswered QWR that my father filed back in XX/XX/XXXX  that under the power of attorney now belongs to me as property owner, and this is a true violation under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We were closing on the sale of our house so we did not make mortgage payment. 4 days before closing bank pulled financing for buyers. I asked the loan servicer to make a payment online which we still would owe one payment but would no longer be behind. Not only could i not make an online payment because i was behind when i called i was going to be charged an additional {$20.00} musty to make s payment. This was in addition to the late charge i already was charged. Why is s payment usually free suddenly {$20.00} more? Double charging me for a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
This debt was paid before charge off. The vehicle is no longer in my possession and the vehicle was purchased over 7 years ago. Payments received were more twice more than the car 's value. The amount collected and still pursing to collect is fraud and twice the value of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I use XXXX XXXX as a reference to my credit score, recently XX/XX/XXXX I happened to check my report and noticed my credit score went from XXXX  down to XXXX!, According to Trans-Union has kicked off this XXXX XXXX thing that XXXX XXXX has jumped on and used against me. Back in XXXX I briefly had a account with XXXX XXXX   while living in XXXX WI, I had signed up for a budget ( which was a huge mistake NEVER AGAIN will I fall for that offer ( Scam ). ), I then had to move and had the account closed to my memory XXXX XXXX at the time claimed my closing bill was {$100.00} - and since I was entering a XXXX XXXX XXXX XXXX I figured I would be paid enough to pay this bill and be done with it, however that didnt work out as I had hoped, so in a period of 2 months XXXX XXXX  decided to act out and run to a collection agency in a panic attack and exaggerate I duped them out of money etc, and the next thing I know is Im slammed with {$810.00} - XXXX No! There is no way I am paying these thieves that amount of money, {$400.00} yes, {$810.00} NO! and that is final. They have claimed which is a flat out lie that they have tired to contact me before collections, COMPLETE LIE, they had my number ( old one before it changed ) they knew how to reach me so the contact story was a farse, something I'm seeing on a regular basis out here in Wisconsin, a huge DRAMA state to say the least. So now since they are throwing their temper tantrum along with Trans-Union back in the picture playing their games again, they are using this XXXX nonsense that kicked off in XX/XX/XXXX. Also Trans-Union still has me owing XXXX XXXX XXXX to XXXX XXXX  XXXX which this was paid off LAST XXXX YEAR. Trans-Union obviously wants to perform their theatrical tryouts of XXXX  in court, Tell them THEY ARE ON! I will be contacting a Attorney for Slander and Lies as well as fraudulent attacks personally against me, I'm fed up with Trans-Union, this type of XXXX isn't on the other creditor bureaus only Trans-Union, and I know their a foreign operation which I cant understand why the Government allows to operate in the USA. Talk about uneducated XXXX! I have seen cockroaches navigate around better and they dont even have a brain!

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 2018-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/18 I received a XXXX credit card in which I didnt apply for. Called bank and stated this was not my account and the said it had been used for a purchase of XXXX dollars. They are reporting the account as fraud and closing account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
My checking account with Suntrust was closed due to overdrawn balance. Prior to this, I requested copies of statements for months of XXXX and XXXX through a rep via live chat. I received XXXX statement today,XX/XX/XXXX, but not for XXXX. I need this statement sent to me ASAP. Since the account is now closed, I no longer have online access to it and am unable to view/print statements.

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 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX-XXXX, I spoke with a XXXX XXXX  's ( XXXX XXXX, XXXX XXXX, CA ) sales representative who asked if I wanted to open an account. She did know specific what sort of account this was and proceeded to ask for my social security #. I gave it to her and then she asked for my income. I realized that she was then applying me to a credit card and asked if she was doing that. She said yes and so I stopped myself from giving her my income information and said to cancel this application. On XX/XX/XXXX. I was notified that there was a hard inquiry made to my credit from XXXX. This is affiliated with XXXX XXXX. I did not authorize my credit to be ran by this sales representative because I did not give my income and did not complete this credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank is still trying to collected debt that pass the statute of limitation. Wells Fargo is putting false information on my credit report. I am requesting Fargo for name of the person who claim to open account face to face? I feel like Wells Fargo is being discriminated against me because I am XXXX 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 non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is charging me for mowing the lawn even though they have not mowed my lawn, the charge is being added to my mortgage balance

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 2018-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This company did not send letters advising of their attempt to collect debt from me. Furthermore, I searched the Texas Secretary of State website for the Collections Agency, and found no indication that they acquired the surety bond required to collect debt as a third party in accordance to Texas Fin. Code 392.402.404.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Google Compare Credit Cards Inc.
State: NV

Complaint narrative:
For three years, I have been trying to resolve an issue wit Google Payments. I have had an account with them since at least XX/XX/2008. It appears that someone used my information to violate the terms and conditions under my identity and account, as verified by Google. Since then, they have asked me to send them information to resolve the issue. After I sent it several times, they flat out deny to assist me and choose to hold me responsible WITHOUT PROVIDING ANY INFO as to why it happened, how it happened, or who specifically did it besides blaming me. During this timeframe, I was in the process of moving to XXXX XXXX, NV where my identity theft began occurring. I have tried contacting Google several times if not dozens to resolve this issue and they simply deny to assist me or file any claims to dispute the charges, claiming that it is my account and anyone can use it without my permission and it will be considered authorized since it is under my name. That does not make any sense especially with all the fraud going on now days. They will not prove to me or provide to me who did it nor will they fix it for me. They claim they have security measures to prove it is me, but still they DO NOT show it to me or tell me, therefore, how am I supposed to believe them, fix this, or understand what is going on? Furthermore, they are very rude, deny to assist me, blame me, and tell me they can not argue with me or provide any info. During these charges that occurred, my other bank accounts and things in my name were affected, compromised, and opened/closed. Someone used my account for fraudulent things and even my bank confirmed it. However, Google does not want to assist me or take any responsibility. They want me to communicate with them by email even though my email/account with them was compromised/hacked somehow and I do not trust that way of communication, especially since we can not understand each other as well over email than over the phone and to give details. Why would I want to email a department over something urgent and not being resolved correctly?? They keep denying to assist me, will not, and flat out do not have any more info to provide me which leads me to believe that they can not truly show any proof as to it being me since it WAS NOT. I need to use Google Payments to pay for my storage for email that is critical, photo storage, products, services, movies, apps, and other services that require me to use Google Payments. I can not even add a payment method to resolve the balance even if I wanted to nor can I even add a payment method or do anything with the account, therefore, I closed it. I am very frustrated with this situation and am fed up with it. It keeps going in circles and does NOT get anywhere! UNPROFESSIONAL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
The company opened two collections on my account about the same thing. they are trying to hit my score two times. I have contacted them and they say it is was in their power to open two different accounts for the same thing. The same account that is from the original debt is reported twice. Please check the place you will see it is the same account the company is mis representing the amount and causing double jeopardy on my report. This is blanket to hit my credit score. Please report them. Also they will not send out the full information to me. If you look at the report it is from XXXX XXXX XXXX.  BOTH the same date and almost the exact amount. The company has been reported for this before. I have attached also where they have clearly been shown disputed and removed by one reporting agency. Please advice would love to take to court. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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 have submitted multiple times to Equifax to remove multiple accounts that are not mine to my knowledge and a result of fraud. Ive sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed a FTC report and also an police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX and XXXX XXXX removed from my credit report or send debt validation of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX Re : INCORRECT ANNUAL ESCROW DISCLOSURE STATEMENT for borrower paid mortgage insurance, XXXX XXXX XXXX, CA ; Account ***** ; Loan number ******. PMI INSURANCE WAS DELETED FROM MY LOAN effective XX/XX/XXXX. 

Dear Annual Escrow Statement Person, I went through considerable time and effort to remove the PMI, including hiring an appraiser on my own dime. As a result of that effort, I received the enclosed letter date XX/XX/XXXX cancelling my PMI Insurance based on investor guidelines. See EXH 1 - Letter cancelling PMI. My home is worth twice as much as I owe. 

Imagine if you were me and the disappointment you would feel if you found LoanCares Annual Statement showed disbursements to PMI Insurance when you had cancelled the PMI. See LoanCares Annual Disclosure Statement, dated XX/XX/XXXX. 

I would appreciate if LoanCare would remove those PMI charges ( and any other inappropriate charges ) and send me an Amended Annual Disclosure Statement reflect the appropriate charges. I need to know how much I really owe LoanCare so I can make appropriate payments ASAP. 

This overreaching must not continue. 

Best Regards, ******, XXXX  XX/XX/XXXX Cc : file

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