vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-16 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 Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide XXXX XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on Experian and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder 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 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2018 there was a credit card account opened from XXXX XXXX in the amount of {$4500.00}. I have disputed this and it has been handled on all ends and every bureau. This 3rd party company is now attempting to collect the debt after its clear its my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Customers Concerns : Bank statements XXXX XXXX : Trial ACH payments started with Ocwen Loan Services on the Months of : XX/XX/2019 ( XXXX ) XX/XX/2019 ( XXXX ) XX/XX/2019 ( XXXX ) The Check for XX/XX/2019 {$750.00} and XXXX XXXX money order for XXXX, was cashed for XXXX The check for {$500.00} N.R.C.U and XXXX XXXX money order for {$200.00} and {$180.00} was not cashed yet for XXXX Errors of these Monies has not been deposited and or applied to the same Suspense account as PHH Mortgage Services current Suspense account. Due to Merger and blackout period ; or due to unkowledgeable data entry employees In which has me short on payments and missings payments causing monies to be applied wrong. Resulting as me reciveing a letter of ; Notice Of Default And Intnet To Accelerate 64 days in Default owing {$2900.00} Loan modification : My final loan Documents were signed by XXXX XXXX XXXX XX/XX/2019 and mailed out me. The account # XXXX, has not been properly updated finalized in your system with the correct information. Many Tasks and Notes of have been added to the account on what needed to corrected. 

I feel The Estate of XXXX XXXX XXXX has been descriminated against by multiple departments within PHH Mortgages Services family transfer/ Assumptions of loans.

This matter/ and or loan Modification should have been completed and reflecting the correct borrower 's info. Within your company and with the XXXX County Assessor along with the Name Change and Title Transfer Request. As a Veteran I can not be assisted by other companies because the title and PHH Mortgages data is still referring to the late XXXX XXXX XXXX. 

PHH Mortgage Services Research Department # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Can XXXX I am sending this letter, in regards of the Escrow shortage. I was told by customer service yesterday that a payment in XXXX was rejected, I would like to have this detailed info of the transaction that was declined. 

My concerns : Business that rejected transaction ( XXXX )? 
what type of transaction ( debit, credit Card )? 

The final Modification was done XX/XX/2019 and signed before escrow shortage was analyzed. then loan should be reflecting my name only as of XXXX, my grandmother the late XXXX XXXX XXXX, is still on the account as main borrower, and im still being addressed as C/O ( Care Of ). i am confused how PHH Mortgages family Assumptions and teansfers progress.

Being a Veteran I can not get my taxes exemption because the process of the Loan Modification transferring to my name was postponed because of escrow shortage. The paper work at the XXXX County Assessor Clerk reflects XXXX XXXX XXXX. You have now faced me and my family with 54 days late payments wich caused default. and possible forclosure matters. How can we fix this problem, is what i presented to PHH Mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
Consumer Portfolio Services continues to report as charged off the remainder of their auto loan to me, if indeed a contract was formed at all, which violate applicable usury laws ( including but not limited to N.J.S.A. 31:1-1 ) I refused and continue to pay a full 200 % of the value of the car. I have attempted to resolve this amicably, but seek your intervention as a remedy of law. This item remains the only negative item on my three major consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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:
I have try to fix this problem mutiple times with the credit breau equifax I even sent them my identity theft report regarding this account is fraud do to identity theft and no one have not resolve the  problem its still showing on my equifax credit file I have disputed this multiple times Im disputing this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Performant Financial Corporation
State: IN

Complaint narrative:
The company Premiere Credit of North America LLC has placed an levy on my bank account. I have reached out by phone over 50 times to no avail. The phone always goes to voice mail and I have yet to receive a call back. I have went to the office location XXXX XXXX XXXX, XXXX, IN XXXX several times during set business hours to no avail. The office is always dark one XXXX  XXXX XXXX sits in the far side of the parking lot. No one answers the phone outside the office doors to buzz you in. The company seems to be a scam as I have no idea why my assets are being frozen and have no way of contacting set company to find out. I never received any notice for collection through the mail nor by phone. I have lived in the same location for several years and have the same phone number since moving to Indiana 10+ years ago. Their practices seem to be exploiting, unethical and maybe illegal.

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 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Setup auto pay, for the due date. Apparently if it does not process by then it will be considered late. Also was told it can take 60 days to go into effect giving me another past due fee. The website is incredibly confusing and almost purposely difficult to facilitate confusion on the customers part. Logged into site again and see that auto pay is now not even on and had another late bill. Multiple calls with little help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XXXX of 2019, I went to a Gap store and I purchased a couple of items for a baby shower. The bill was about {$30.00}. The cashier offered me a credit card. Since I was buying numerous items from Gap, I agreed and signed up for it. Initially, I didn't even realize that the bills was put on the new credit card, and not on the one that I handed to the cashier. A week or so later, I left to XXXX for extended vacation where I saw my family and my in-laws. We came back in XXXX. By that time, I have received Gap bills with late fee payment for a couple of months. The bill eventually went from about {$30.00} to over {$180.00}. 

I contacted Gap, and asked them to give ma a discount as this was my first payment, I was out of the country, and I really wanted to use the card. They said that all the fees are lawful, and therefore I need to pay it. I spoke with managers after managers, and they told me the same thing. Yesterday, I was contacted again by them, and when I tried to explain the situation, I got the same attitude. Again, I agree to pay some penalty but {$150.00} for three months of late payment is outrageous. The penalty is five times the actual bill.

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 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have had credit card number ending in XXXX for many years. Recently the bank contacted me based on suspected fraudulent activity on the card. They handled this appropriately and advised they would need to issue me a new card due to the suspected fraud. The problem is that I had over XXXX loyalty point on that card which have now disappeared with the issuance of a new card and nothing has been done to let me keep these points.

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 2019-11-16 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: IL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
I have sent in my mortgage payments and Home Point is returning them. They first told me to send a check which I did. Then they returned it. Then they told me to XXXX XXXX it which I did. They returned it once again now stating I have to pay 2 complete months. Now I am 3 months behind and they will not accept anything other than 3 full months and need it by next week. They will not work with me at all. I spoke to a HUD office and they told me they should be accepting at least one payment so that I do not fall behind. I feel like they are doing this so they can keep adding fees to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally keeps calling trying to collect a debt from a family member that I am not in contact with. I have told them this information repeatedly and they have stated it my obligation to give the the family members number. I do not have her number nor her address because we do not communicate.

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 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I opened a bank account with Simple after seeing an advertisement for a {$250.00} bonus following a {$10000.00} deposit. Using the link provided by the advertisement, I opened the account and deposited {$10000.00} into that account by XXXX, which was a week before their deposit deadline of XX/XX/XXXX. I maintained that balance through XX/XX/XXXX, which was two weeks past their required date of XX/XX/XXXX. 

Simple specified that new accounts would receive their {$250.00} bonus by XXXX on XX/XX/XXXX. After not receiving the bonus, I called Simple at XXXX on XX/XX/XXXX. I was told that I would be receiving my bonus, however it would be paid out at XXXX pacific time ( not EST ). The next day, after checking my account and finding that the bonus was still not deposited, I called again. After 45 minutes on hold, I was finally told that I did not qualify for the bonus because the account that I opened was not eligible. 

They said that after opening my account, I needed to open another " protected goals account '' within my other account to earn the bonus. This was clearly an attempt to gain new customers without paying the bonus as the instructions given to earn the bonus were deceptively simplified and misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-16 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: IL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2019-11-16 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: IL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2019-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I received a notification from XXXX  and XXXX  stating that I owe a hospital bill in the amount of {$720.00}. I have not visited a hospital in the time frame or have any documents regarding this matter. I'm requesting to receive any documents containing to this bill as we'll as a signed hippa release form for this false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I just looked at my credit report i don't know what it's regarding. I have never done business with this credit collection company. I have never signed any paper work or anything pertaining to this medical bill. The amount of the bill is {$700.00} the date is XXXX XXXX. What about Hippa Laws this is inappropriate. The name of the company is Midland Funding LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Investigation did not fix error

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 2019-11-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My complaint is about the statements and terminology used in Experian 's credit report. This is misleading and inaccurate and does not give the consumer actionable information and appears arbitrary. 
My score fluctuates between XXXX and XXXX or so. On the screen where you can read what is hurting your score, it says " Short Account History. '' I have attached a screenshot of the screen. I am XXXX years old. I  do not have a short credit history. I do have a relatively new card opened about a year and a half ago and a new mortgage. BUT, the definition reads " People with longer credit histories who INFREQUENTLY open new accounts generally pose less risk to lenders. In YOUR case, the age of your oldest account and/or the average age of your accounts is RELATIVELY NEW. '' Yet my oldest account is XXXX years old!!!!!

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