vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 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: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/2019, I received a call from the XXXX Store in North Carolina regarding a suspicious online order done in my name with my credit card from Elan Financial Services. I live in Massachusetts but the products were being shipped to an address in Kentucky. I immediately contacted the credit card company and was told that someone had called earlier that day to change my mailing address to the Kentucky address used by the scammer. I didn't receive any calls or emails from Elan Financial regarding the address change even though my Alert on such notification was set to Active. Also, if Elan Financial Services had done their due diligence when verifying my personal information, they would have noticed that the caller would not have been able to verify the name on the credit card. My legal name was changed and I never did change the name on this credit card. The name the scammer used to order the products was my legal name. This institution takes customer personal information security lightly and did not do their due diligence when it comes to security.

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 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I requested Experian to investigate the XXXX XXXX XXXX account ( account number : XXXX ) that is reporting as a collection on my credit report. According to my recent credit report from Experian, the account was last updated XX/XX/2019. Meaning that Experian had never investigated the account when I requested the investigation. This is a violation of the FCRA.

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 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Hello Rushmore, Refer Following CFPB CASES XXXX, XXXX, XXXX You are not XXXX XXXX XXXX. 
So, you not supposed to reply to me for them because you are not. 
" CFPB XXXX XXXX XXXX '' Furthermore, you supplied wrong contact information for your principal. Undeliverable Mailing Address and False Phone Number. 
You asked me the authorization to contact you, so I've provided them for you, now you have them. 
For the same token, I'm asking your authorization to process our loan from the principal for our loan Provide us the authorization from my note holder. 
Under what authority, have you try to foreclosure our property? 
Which Government authority give loan servicer to foreclosure the property but servicing the loan? 
The documents you've prepared are anybody can get at the County Recorders office by paying $ XXXX page. 
Until you get me the authorization from your principal, you are simply one out of million fraudulent debt collector. 
Stop and ceasing your collection activities toward us immediately. 
Truly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: UT

Complaint narrative:
I havesent multiple ketters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please

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 2019-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen has made all kinds of mistakes Now transferred to PHH its still the same Homeowner has done everything to save their home from foreclosure FHA Administration will be contacted Lender had someone fraudulently with wrong email and info on this account PHH insisting to foreclose relationship manager does not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
On XX/XX/2019 at XXXX and XX/XX/XXXX at XXXX I received phone calls from ACEI. They did not leave a message and upon returning the calls both times I was routed to a voicemail. I contacted the company this afternoon and the customer service was lacking to say the least. I understand it is collections however the representative was less than helpful. I was transferred to yet another voicemail to leave a message.

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 2019-08-05 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: AZ

Complaint narrative:
i keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. 

XXXXXXXX XXXX Never had this card or account XXXX XXXX Never had this card or account XXXX  XXXX / card Never had this card or 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 2019-08-05 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax pay out it is the consumers that were affected, I chose XXXX pay out now we are being told there won't be a pay out. Because they were not fined enough. I have credit montering why should I not be paid the XXXX it was their fault. Why should they profit when they handle my personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed the referenced accounts above on XX/XX/2019. The response XX/XX/2019 on CFPB website consumerfinance.gov and the credit report of XX/XX/2019 credit report shows these items were deleted from my credit file. Now these items have been reinserted on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 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: FL

Complaint narrative:
Equifax reporting inquiries for unknown accounts : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
AMEX continues to report a business card as my account. The claim its true because payments have have been made. I'm attaching the last statement which is the only account I have had with AMEX and the only account I made payments on. Trying to tie a business only account to a personal account which was totally separate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.

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 2019-08-05 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.

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 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have on numerous occasions ask for verification on an account that is showing on my credit report for Portfolio Recovery. My latest attempt was made in XX/XX/2019 by requesting in writing to all three credit bureaus that this debt be physically verified and that I receive a copy of any and all signed consumer contracts, all original documents in reference to the account, a valid proof of chain of assignment and sum certain showing the total history of the account in which I have received nothing but a statement which only shows an amount due of a total of {$870.00}. I have sent letters to both the creditor as well as the credit bureaus asking for the above information and have yet to receive anything. I did receive a letter from each credit bureau stating the account was " verified '' and on XX/XX/2019 I reached out to all 3 companies ; XXXX, XXXX, as well as XXXXXXXX, stated that they are only responsible for submitting the request electronically and then it is up to the creditor to respond if it is valid. I find it very upsetting that all 3 credit bureaus are able to report this on my credit report and no one will show proof of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They took me to court but kept changing the date so I wasnt aware it happened until after the fact. Ive emailed and called portfolio recovery many times to set up a payment plan but they say i need an account number that my name and social security number dont show up in their system. So they keep hitting my credit report for late payments but how can I resolve it if they cant find me in there system and since the debit they are asking for was from a XXXX credit card from 6 years ago how do i know an account number. What am I supposed to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
I noticed that a derogatory mark appeared on my XXXX credit report in the amount of {$91.00} with the open date XX/XX/2019. A similar mark appeared on my XXXX credit report on XX/XX/2019. The reporting company was listed as " DIVERSIFIED CONSULTANTS INC. '' I do not believe I owe this alleged debt. 
I have not been notified of any alleged debt by this company - via correspondence or otherwise. I believe this company is required to notify me of any alleged debt prior to, or no later than 30 days after, furnishing negative information to a credit reporting agency. It has been 30 days since this company furnished negative information, and this has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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 AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. IT HAS BECOME IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE NO IDEA WHO WOULD BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT 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 2019-08-05 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: FL

Complaint narrative:
My purse was stolen and someone is using my identity with my personal information to apply for accounts that are reporting on my credit report that are not mine and I did not authorize. I am an identity theft victim and I have contacted Equifax three times to resolve this issue. This matter needs to be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-05 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: CO

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
XXXX XX/XX/XXXX Carrington Mortgage Services LLC received our {$1500.00} XXXX XX/XX/XXXX payment as our Bank XXXX would send Mortgage checks to Carrington 3 days prior to my payday. Carrington said they DO NOT carry forward any payments. Later in XXXX my credit report took a large hit for a missed payment of XXXX XX/XX/XXXX. XXXX 's payment was received by Carrington XXXX XX/XX/XXXX. Now the Delinquency Notices started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Then came the letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each letter stated Our records do not show receipt your payment. The Spreed sheet from Carrington 's  website tells the truth. They lied about XXXX 's payment to the credit agencies ... In XXXX I requested and AUDIT of our loan. I submitted 25 Months of records of payments to carrington. XX/XX/XXXX to XX/XX/XXXX. My evidence showed all on time payments, XX/XX/XXXX the AUDIT concurred with my findings. Yet harassing phone calls and mails continue. No one understands the audit. Last week I faxed proof of on time payments for XXXX and XXXX. My Wife and I are insulted by Carringtons ignorance to the law. Today the harassment continues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I Have been under a chapter XXXX that was discharged on XX/XX/XXXX. The HELOC loan I have was with XXXX XXXX XXXX. I got a letter from them dated XX/XX/XXXX saying that they have sold my HELOC loan to Specialized Loan Servicing LLC and that they are taking over the loan on XXXX.I am suppose to close on my refinance on XX/XX/XXXX. I have contacted Specialized Loan Servicing daily for the past week and they can not provide a payoff amount yet and are now telling me that instead of XXXX which they originally said they could, now they are saying XX/XX/XXXX!! I also have not received a welcome package from them yet telling me where to send my payment due on XX/XX/XXXX if I end up having to make it, although XXXX XXXX XXXX did say I could get it to them and they would forward it to them. I am concerned about that because of all the bad reviews I see on SLS LLC, as far as them posting payments on time and then charging late charges on those payments that were indeed paid on time. I just want to be able to close my refinance on XX/XX/XXXX as we have planned and am hoping you can urge them to get my payoff amount sent to our loan officer. I can not believe they can't look up that information and get it done for 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 2019-08-05 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: VA

Complaint narrative:
In XXXX, I filed a dispute online with each of the three major credit bureaus, disputing several items erroneously reported on my credit report. XXXX conducted a proper investigation, found those items were unable to be properly validated, and, rightly, removed all items. Transunion, however, did NOT remove three of the items which were disputed. 
On XX/XX/XXXX, I sent a letter via priority mail express to Transunion which asked them to reinvestigate AND provide all documentation showing why they believed the debt to be accurate and belonging to me. I did not hear back from them on either request for these three items within 30 days ( for the reinvestigation ) or 15 days ( for the request for documentation.. 
On XX/XX/XXXX, I sent another letter via priority mail express to Transunion notifying them of their failure to respond to the investigation request and the documentation request and requesting that they immediately delete the erroneously reported items. 
in a letter postmarked XX/XX/XXXX ( three days after the 30 day deadline ), Transunion responded with the same response I received in XXXX, no additional information or reinvestigation, and no documention. 
I have no contract with these three companies which Transunion is reporting as negative on my credit report. Transunion has failed to properly validate these items which were erroneously reported on my credit report. Transunion has failed to validate these items within the 30 day timeframe allotted by FRCA. Transunion has failed to provide documentation of validation within the 15 day timeframe allotted by FRCA. 
Please intervene on my behalf with Transunion, as these three accounts have negatively effected my credit, resulting in my family 's 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