vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-27 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
XXXX will not remove Paramount Recovery Systems from my credit report. I have tried for almost 2 years. It belongs to someone else or it's FRAUDULENT. Because Paramount Recovery Systems is on my credit report they have access to my report and when I changed my address and added my phone number XXXX so I could Freeze my account, Paramount Recovery Systems accessed report, so when I dispute said charges they use the info from my credit report ( i.e. phone #, address ) and in turn XXXX tells me, it must belong to me because the address matches. 


XXXX refuses to reinvestigate the fraudulent charges. I was under the impression that by law they had to. XXXX is above the law I guess. 


My car insurance rate is negatively affected because of these charges. And I keep being denied credit because of it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: NC

Complaint narrative:
I contacted the bureau regarding a collection account that I do not believe I owe as it is from XXXX XXXX at a time when my husband and I were in XXXX. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.

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 2018-05-27 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: NC

Complaint narrative:
I contacted the bureau regarding a collection account that I do not believe I owe as it is from XXXX XXXX at a time when my husband and I were in XXXX. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: MD

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX claiming that I owe XXXX {$25.00} and an additional fee of {$25.00}. When I attempted to submit a dispute on their website with several different browsers, a " submission error '' was received. 

I dispute this charge because I did not make any purchase from XXXX or one of its merchants on the date in question ( XX/XX/XXXX ), I have not used handwritten cheques since XX/XX/XXXX ( and have not ordered any for my current account ) and have never had one numbered XXXX or anywhere near XXXX ( my chequebook was numbered from XXXX up ), I closed my original checking account on XX/XX/XXXX because I accidentally sent my financial information to a stranger online ( perhaps that is what this stems from ) and none of the accounts I use for online purchases show ANY attempted debit from XXXX on the XXXXXX/XX/XXXX, so please, correct your information.

Thank you and may the XXXX be with you.

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 2018-05-27 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:
Equifax will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


XXXX will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 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:
XXXX  will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


Experian will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

XXXX XXXX XXXX XXXX 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 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
Loan with XXXX XXXXl for auto from 2014. Account was charged off unbeknown to myself until revealed in a credit report. Charge off occurred 10 mths before revealed that it was charged off. Payments were continued to be taken regularly through auto pay & through a rep. No representative from  XXXX ever relayed that the account was in a charge off status. After the 10 mths, I let XXXX know I see that my account was charged off. Payment arrangements were made to get account out of default status. After 1 month of paying according to XXXX 's terms ( payments were satisfied, according to what they arranged ; this was a weekly payment of the total of car payment ), XXXX sends a letter of repossession to be made within a week after letter received. I am completely unsure why a repossession was placed on the vehicle, as their payment arrangements set were to be made to take the car out of default. Afterwards, I was set to make my regular monthly payments, as agreed upon. I now have a week to come up with some amount they have set, before repossession. But, I have met their previous terms. Not sure why a repossession is now in place. Just does not seem as if this process is going fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
XXXX 's store credit card by XXXX XXXX. I paid my bill online on XX/XX/XXXX before XXXX. I have an email received at XXXX XX/XX/XXXX. It was due XX/XX/XXXX. They didn't post it until XX/XX/XXXX and then charged me a late fee. Because I paid the full balance as shown on my account as due, I didn't look for any further emails ( in my junk mail for instance ) and so didn't get the late fee bills. I looked at all my credit accounts this week and discovered they have charged me {$92.00} in late fees and interest because of this. I paid the bill and called them to close the account. They offered to reverse only one fee only if I kept my account open. I do not work with fraudulent lenders. They followed up my complaint by stating I still owed {$92.00} and they are contacting the credit reporting agency. 
" Per your request, we have already closed your account on XX/XX/XXXX. 
Your current balance is {$92.00} and this information will be provided to the national credit reporting agencies. We will continue to send monthly billing statements on any remaining balance until it is paid in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
My social security number was stolen from me to open fraudulent accounts under my name while I was in the Military. I lost my wallet with my social security number and do not know who open the fraudulent account in my name.

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 2018-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am working with a bill lowering and monitoring service - XXXX - and Capital One will not allow me to let them access my account to look for unwarranted charges or subscriptions that I do not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank Account opened XX/XX/2013 per credit report is reporting a balance on a charged off 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 2018-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
My social security number was stolen to open fraudulent accounts in my name with a company called Rent Recovery Solutions. I never lived at the apartment that was fraudulently gotten in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX XXXX bank is reporting incorrect information on my credit report 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 2018-05-27 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: GA

Complaint narrative:
My social security number was stolen from me to open fraudulent accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified Consultants has been calling me repeatedly about a debt I do not owe from XXXX XXXX XXXX XXXX. I've only had one account with XXXX XXXX XXXX XXXX which has a {$0.00} balance and is inactive. The equipment was also returned on XX/XX/XXXX. Diversified Consultants opened up a fraudulent account on XX/XX/XXXX indicating {$670.00} was still owed from original creditor XXXX XXXX XXXX XXXX. XXXX   company reported this debt from Diversified Consultants on my FICO credit score report which is when I began to take action. I spoke to XXXX XXXX XXXX who stated that nothing was owed and there were no issues with the closed account. Diversified consultant tried to convince me that I may have a final bill post equipment return which did not make sense since XXXX XXXX XXXX did not show a balance for the account in question. I have disputed with Diversified Consultants but haven't heard back yet. This company should not be allowed to report debts back to FICO scoring companies because their legitimacy has been and continues to be questioned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have notified Equifax that the two accounts that they continue to report in my credit file are a result of identity theft. I have supplied police reports and they keep responding to my disputed as verified. I asked for proof of the method that this was verified and my request has been ignored several times. At the time these accounts were opened I was a minor and I explained this to the customer service person at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have just co-signed the financing of a vehicle from XXXXXXXX XXXX XXXX today ( XX/XX/2018 ) and have noticed that in addition to the bank and autocompany credit inquiries,  there is a third that I do not recognize : XXXX XXXX, XXXX XXXX : XX/XX/2018 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I did not approve this and do not approve this. I am worried as to where it came from.

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 2018-05-27 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: NY

Complaint narrative:
I have just co-signed the financing of a vehicle from XXXX of NY today ( XX/XX/2018 ) and have noticed that in addition to the bank and autocompany credit inquiries, there is a third that I do not recognize : XXXX XXXX, XXXX Inquiry : XX/XX/2018 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I did not approve this and do not approve this. I am worried as to where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
Real Time Resolutions continues to send me incorrect monthly billing statement. This has occurred for the last 3 months. Each time I have contacted the company regarding my account is always reflected in a past due state which is fraudulently incorrect. I am requesting assistance in getting this matter corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: NC

Complaint narrative:
I contacted my local federal courts regarding the Chapter XXXX and they told me they do not verify anything to any third party entities. Experian has failed to send me any written tangible evidence that they legally verified the bankruptcy.

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 2018-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have an escrow account and Rushmore loan services is the debt collector, since late XX/XX/XXXX. I have paid extra within XX/XX/XXXX and the new year on principle. I called XX/XX/XXXX to inquire why Rushmore had not received my monthly payment and why escrow was increasing. I was told that my home owners insurance was increased. I contacted my home owners insurance company ( XXXX ) XX/XX/XXXX and was told that I no longer have a home owners insurance with them due to failure to pay XXXX dollars in XX/XX/XXXX. I was told that they had notified me as well as my servicer that the amount was outstanding. ( I had contacted my insurance company to increase my insurance due to neighbor having dead tree leaning towards my property in XX/XX/XXXX. Neighbor cut tree down and I called the insurance company XXXX back in XX/XX/XXXX and they agreed to reduce policy to what is was before ). I spoke to a XXXX manager called XXXX and informed her that I was not notified of termination of homeowners insurance and that I would have paid the XXXX dollars had I known. I asked XXXX to reinstate my homeowners insurance that was terminated due to lack of payment of XXXX dollars. I was told I needed to do a new contract and this contract is XXXX dollars more a year than my old contract. 
My mortgage company appeared not to have been notified of termination of my home owners insurance or else they would have paid!? XXXX told me that Rushmore does not need to pay it is up to me to pay. I would like to get out of the escrow account and pay my own taxes and insurance or have a responsible debt collector who will not forget payments while increasing my escrow amount. I am a first time home owner who has been taken advantage of before and is in need of assistance. 
Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: OH

Complaint narrative:
i called Equifax and also sent them a letter requesting for them to investigate open a dispute on the 2 hard inquiry accounts. 
XX/XX/2017- XXXX XXXX XXXX XXXX . 
XX/XX/2017- XXXX XXXX . 
Equifax told me credit inquiries are factual record and that i need to contact the original creditor to remove the inquiry. they are using a stall tactic and is in direct contradiction to my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am in a active bankruptcy making payments to a trustee for arrearage mortgage payments as well as sending monthly payments to the mortgage company. I have tried many times to obtain a loan modification to help lower the interest and payments and Ocwen has always told me they never received my application with the required documents. Today I received a very alarming mortgage statement that indicates they are placing my payments in " unapplied funds '' account. A while back they indicated to the courts I had not been making payments and I had to bring an entire years worth of bank statements to the bankruptcy judge to prove differently. When I see this, I feel like they are going to pull the same trick and claim I am not making payments and I am not sure as to why they are placing my payments in such an account. My payments should be going towards a current mortgage payment and not in a unapplied account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom this may concern ; I would like to see if you may be able to remove the Wells Fargo account from my credit report and the negative history.

I had filed for divorce against my ex-husband. We had been separated and the car went to him due to the divorce judgement. But out of spite he had filed for bankruptcy. I attempted to resolved the situation differently so that he may give me the car and I take over it. He had vandalized the car and sent me pictures. I was advised by lawyer to give it to him and the judge had note this behavior and sentence him to a different judgement still affecting my credit. 

I would like to start my new life and move forward from anything involving my ex-husband. I deeply appreciate the help. 

I had called Wells Fargo several times in XXXX and XX/XX/XXXX trying to resolve the situation. When I had called again and I was directed to the bankruptcy agency and was told they would not do anything until the lawyer of the bankruptcy was involved. But because the lawyer was through my ex-husband. I was still not able to get anything done. 

I had attempted again XX/XX/XXXX. I had called again XX/XX/XXXX and faxed over paperwork as requested and again XX/XX/XXXX to follow up. There were no new results.

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