vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 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: TX

Complaint narrative:
all FTC violations been filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute is below laws they broke attached The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ;

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 2020-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: IN

Complaint narrative:
My VA interest rate increased on refinance then decrease on a VA refinance. first it was with XXXX XXXX, then with XXXX and then again with XXXX XXXX XXXX, for a third time. I suffer from XXXX, and the loans with the XXXX,. I feel that on the first I was taken advantage of by the agent. I was confused and no assistance was given. I feel that I was cheated, and I am unable to understand what took place. I am a XXXX XXXX   XXXX XXXX veteran. I need help to determine the account. Please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: TX

Complaint narrative:
The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ; All FTC violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I asked my mortgage company to help me! My daughter was in a terrible accident she's in a XXXX. So I asked for a Modification, Terms of modification : 1. Lower your interest rate. 2. Reduce your mortgage balance 3.Lower your monthly payment amount. 4. Adjust your loan period. 5.Changing your loan type. 6. Qualify for harp assistants. which I don't. 
So they Doubled my payments and foreclosed on me. 
I am still on title and have the rears to pay, would like to be reinstated. 
Loan # XXXX Ocwen/PHH The trustee won't talk to me. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Please help with implementing the Moratorium on Foreclosures & Evections. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I informed the Equifax Credit Bureau that I was the victim of identity theft, provided them copies of the ID Theft Reports I filed on my behalf. However, Equifax continues to report fraudulent information on my credit reports which is very frustrating and violates my rights as a consumer. The following accounts are the result of identity theft : XXXX/XXXX, $ {$490.00} XXXX XXXX XXXX XXXX, {$6500.00} XXXX XXXX, {$140.00} XXXX/XXXX, {$1000.00} XXXX/XXXX XXXX, {$630.00} XXXX/XXXX, 529 Dispute letters were sent out on several occasions, but fraudulent accounts remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I made an online payment through the loancare online payment website like I always do and got a confirmation email. 
3 days later I called to see why it was never taken out of my account and every day after that leading up to the XX/XX/XXXX and the lady assured me that by the XX/XX/XXXX it would be taken out. it never was. on the XX/XX/XXXX I then called my bank and they had no record of the payment being made or ever going through or trying to go through. 
On XX/XX/19 I made another payment with the same account doing the same thing being changed a late fee and getting an other confirmation email. 
My bank in return said the charge was fraud and returned the payment. I then had to make 2 payment in XXXX and now have a late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to request your help with my case.TD BANK USA/TARGETCRED is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : Account # XXXX-Date Opened XX/XX/XXXX-Credit Limit $ XXXX.Account Status! Closed This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
I received a letter from Dynamic Recovery Solutions stating that I owed them money for a bill and they gave me a choice of making payment arrangements. I checked my credit report annually and pay all of my bills, so I knew that I didn't owe anyone. I found the receipt of the bill that they claimed I owed in which was paid almost 4 years ago. I called and told the representative that I had already paid the bill and I had the receipt and wanted to know how did they get my information. We spoke for several minutes and she said that she would put in a depute for me. Called collection agency that I paid and they no longer handled account, she told me to give them the information on receipt. I called back to give them information on my receipt and they said that they could not take it. A couple of weeks later, I receive another letter stating that I have a balance and they had my personal information on it. So, I called them back again and the representative refused to speak with me because I would not give her my personal information in which I didn't have to before and she was very rude. I called back again and someone hung the phone up without even saying anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC
State: GA

Complaint narrative:
I have no knowledge of this account and have requested debt validation I have no contract with this company and I have been paying XXXX dollars a month for 5 years for something I have no knowledge of please help I believe it is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
SPS Select Portfolio Servicing a mortgaging servicer for XXXX XXXX XXXX. I made scheduled mortgage payment to SPS on XX/XX/XXXX, in the amount is {$1100.00} which they admitted making a error posting the payment as a principal payment. I requested a correction to be made regarding the reposting of the erred principle payment as a regular scheduled payment. I also requested SPS send me a new 1098 and New Escrow Analysis ; since the misapplied payment on XX/XX/XXXX eschewed there final figures. I have not received the corrected 1098 to do my taxes nor have I received a new Escrow Analysis to determine what my scheduled monthly payments should be. Currently Im over paying my mortgage by paying XXXX monthly to avoid being late. This issue has been going on for months without a resolution. I pray CFPB can intervene on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
Superior loan service and XXXX XXXX XXXX same address for both companies XXXX XXXX   XXXX XXXX, XXXX XXXX, California XXXX has been sending me mail letters. Stating that I owe them money for a loan and said that they will foreclosed my property and will sell my property without any court action ; There was a loan tooken out for XXXX by a person name XXXX XXXX from superior loan service. I dont know that person or the loan company. That person XXXX XXXX has his mail sent to my property a few times, I have no idea who that person is. And never heard of that loan company before. 
I am a XXXX citizen, with XXXX kids.i have been staying in XXXX California for nearly 40 years now. And have no intention of moving or intention of takening any loan what so ever. 
I spoke with the superior loan service general manager XXXX XXXX in early XXXX. And she said she will investigate, but havent heard anything from her but still receiving mail from that loan company. 
Last month the superior loan service company had sent a man to inspect my my home, he came on a Saturday around XXXX XXXX XXXX XXXX while it was getting dark, looks very suspicious and scary. He wanted to come in my property and do an inspection. I said no he can not. He said he was sent by superior loan services and mentioned a name XXXX XXXX. I told him I dont know who that person is. And never heard of that name before. I told him the same with that loan service company.i ask him what company is he from, he replied hes an inspection company from Utah. He had his phone with him, I think he took a photo of me as well with my permission. I am sick of them and there letters, Im XXXX with an illness and they are causing me stress and making my sickness worse. Please help thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have called Synchrony Bank/ Care Credit repeatedly 3 days in a row while I hold on the line for 3 hours and no success. I get online where they direct us to for live chat which responds to " online chat not available. Please try again later '' They claim they have heavy amount of calls as recorded while holding for hours. I do not believe they answer calls or concerned with customers. In the midst of this national pandemic coronavirus that is causing financial hardships, they are not helping customers.. We as citizens are reaching out for help to no avail to this bank.

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 2020-03-24 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 AM 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 THAT WAS 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 2020-03-24 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: 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 AM 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 THAT WAS 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 2020-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Charles Schwab bank refuses to let me open a checking/savings account with them.

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 2020-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have no knowledge of this account and have requested debt validation I have no contract with this company and I have been paying XXXX dollars a month for 5 years for something I have no knowledge of please help I believe it is fraudulent

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2015 CHAPTER XXXX DISCHARGED 0 $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS TRANSUNION/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 explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2015 CHAPTER XXXX DISCHARGED 0 $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS XXXX/XXXX/EXPERIAN

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 2020-03-24 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 recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine so please DELETE those accounts and the home addresses listed. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THE BELOW ACCOUNTS TO DELETE. 

I found several accounts where there are late payment history being reported which were never late, please AMEND those accounts listed.

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 2020-03-24 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: TX

Complaint narrative:
The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ; All FTC violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX see attached documents

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 2020-03-24 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: TX

Complaint narrative:
The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ; All FTC violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have spoken to the company about having lost my job because of the crisis. My account was switch a few months back and I was not told I was going to be charged to have it. They continue to charge even when there is no money to draw from, which then they take more fees. This bank has very shady practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24 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 am a victim of identity theft and Experian continues to provide the information listed below, on my credit report. These accounts do not relate to any transaction ( s ) that I have made. I submitted several disputes directly to Experian requesting that these fraudulent accounts be deleted off of my credit report, but they remain This is so frustrating and violates my rights as a consumer. 
These are the accounts that are reporting : XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX :, XXXX XXXX, {$500.00} XXXX/XXXX, {$300.00} XXXX XXXX, {$220.00} XXXX XXXX XXXX XXXX, {$6500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Automatic Data Processing, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is refusing to give me provisional credit as explained in their policy. Information they've requested was submitted on the XXXX of XXXX within the 10 business day qualification. This particular claim was submitted on XX/XX/2020. They have refused to transfer me to a manager stating that their is not one. Supervisor I spoke with named XXXX hung up in my face and placed a note on the account stating not to transfer me to supervisors. Today is the XXXX business day and they are acting unethically regarding my dispute. I have recordings of the interactions with the supervisor and customer service reps. They are giving me the run around so they wont have to provide the credit and have given me every excuse in the book of how the policy doesn't apply to my dispute.

Company response to consumer: Closed with explanation