vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: SC

Complaint narrative:
I called company to gain knowledge on what account was for and they spoke to me very unprofessionally and with an attitude. Company failed to validate debt within 30 day period. I sent out two verifications letters on XXXX XXXX, 2017 and XXXX XXXX, 2017 both were signed for on XXXX XXXX, 2017. An agent signed for both but failed to date not one but both of my return receipts. I tracked my letters and was able to verify the date of receipt. They never responded to me. I notified all credit reporting agencies about their failure to respond within 30 days of my initial dispute now they are attempting to make contact to verify after I reported to CRAs that they never responded. Upon tracking notice left on door it is from XXXX, Florida. I am not expecting mail from anyone there and this is where they are located. I havent went to pick letter up because post office has closed. I no longer live at address I am homeless because I lost my job no one will rent to me because of false information reported. Renting anywhere is impossible because of them. I occasionally check mail at previous address. They are ruining my Credit and violating my rights. My letters were sent in XXXX, it is now the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I received a phone call from XXXX XXXX XXXX, and spoke with XXXX XXXX. The phone numbers she called me on are XXXX ( registered to an auto repair company ), and XXXX. She said I owed HSBC over {$2000.00} and that I have not been responding to any of their correspondents. I have no received anything in writing, email or phone calls until XXXX. She would not give me any information except the last four of the account number. I checked my credit report and let her know this was not my account. She proceeded to tell me it did not matter because it is associated with me and I have to pay it. She also proceeded to tell me that it XXXX I received the short end of the stick. Also, she informed me all credit agencies do not report to the credit bureaus. In my experience, I have always had all of my loans, credit cards both in green and collections how up on my credit report. Once she bullied me enough, I asked her if there were options since I started to believe I did something wrong. She let me know I can make 6 payment of {$270.00} or a one time payment of {$1200.00}. I proceeded to call HSBC and spoke with a gentlemen ( I could not understand his name ) who confirmed I do not have any accounts with HSBC. When calling her back she let me know I should not have done that and that is illegal. At that point, I was done and just wanted to speak to her supervisor however was railroaded and bullied again stating this is my debt and if I am trying to by time or skate by and not pay it was not going to work. I told her I would call her back since I still did not believe I should pay for something that is not mine. I spoke with my parents and researched the numbers to find it was SPAM and others have dealt with the same thing. I decided to not call her back and let it go since i knew it was not my debt. She has since called me three times leaving voice messages telling me again how sorry she was that I got the short end of the stick, that i should not have wasted her time and she will still file for employment verification to garnish my wages on Monday. She has also called my sister, mother, father and aunt looking for me and said a few choice words to my father. When speaking with my father she told him, " sir, your daughter likes to spend a lot of money and buy things. '' When calling my sister, aunt and mother she continued to bully, harass and hang up on them each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: GA

Complaint narrative:
I am requesting that TRANSUNION remove tax lien # XXXX that is listed on my credit report in the amount of XXXX. 

The attached tax lien only shows the last 4 digits, no  dob, and an address that I 've never lived at. The XXXX XXXX XXXX XXXX ( XXXX ) states liens must have a full name, address, SSN ( full SSN, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the XXXX new rules that went in effect XX/XX/XXXX. In my last dispute in XX/XX/XXXX, I added a note to TRANSUNION which stated that it does not meet the new XXXX XXXX rules, but they did not remove it. 

I 'm requesting CFPB 's assistance in getting this tax lien completely and permanently removed from my TRANSUNION credit report. 
Thank 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 non-monetary relief
Consumer complaint received 2017-09-29 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: KBHS Home Loans, LLC
State: CA

Complaint narrative:
I went to XXXX XXXX this past weekend on Sat XX/XX/XXXX to purchase a new home. They stated they would have to cross qualify me. I did not authorize or sign anything for them to run my credit. I did fill out the basic paperwork and contract which did include my ss #. However, I told the lender I would have my lender send them all the current information I just gave them. I had the lender from XXXX XXXX XXXX call me on Sunday  XX/XX/XXXX stating he would need some information. At that time, I told him I was on vacation until a week more and told him not to run my credit as my current lender would send him all my recent information. I received notification today from my credit company that a hard inquiry was made on my account. I spoke with him and he admitted to running my credit today and said he thought he had the form. I am super upset that this person XXXX XXXX took it upon himself to do this. This has now lowered my credit report number. His information is below. XXXX XXXX Loan Originator KBHS Home Loans LLC XXXX XXXX XXXXXX/XX/XXXXXXXX, 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 explanation
Consumer complaint received 2017-09-29 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: MN

Complaint narrative:
Equifax had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: NE

Complaint narrative:
I HAVE THE FOLLOWING INQUIRES ON MY CREDIT REPORT TRANS UNION REFUSES TO EVEN LOOK AT AND DIRECT ME THE COMPANY. I HAVE SENT LETTERS TO THESE COMPANIES WHO WONT EVEN RESPOND. I CALLED TRANS UNION AND THEY SAY NOTHING THEY CAN DO. I HAVE NO KNOWLEGE OF ALL THESE INQUIRES. I HAVE NOT REQUESTED CREDIT FROM THEM. NOR DO I  HAVE AN OPEN/CLOSED ACCOUNT WITH THEM FOR THE HARD INQUIRY, I HAVE ASKED THEM TO SEND ME PROOF OF THESE INQUIRES FOR MY FILES AND THEY WONT RESPOND TO ME XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-09-29 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: MN

Complaint narrative:
XXXX had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-09-29 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: MN

Complaint narrative:
XXXX had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX modified her mortgage which payments was XXXX} per month XXXX started Making payments of {XXXX} by ph as always, on the XXXX month her ph payment was refused due to not having a signed contract which was never presented to XXXX. XXXX never seen the said contract but asked for a reinstatement due to not getting the contract. XXXX was told she was denied do to not signing. XXXX explained to Ocwen that she never seen the contract, and asked how was it sent due to her mail being sent back to senders which we have proof of court doc 's that were sent to XXXX, and the courts emailed XXXX the proof of mail that was sent back with the right address which the XXXX is also witness to. XXXX has asked for a copy of the note holder Ocwen will not reply with the said information. Ocwen sent XXXX to a modification workshop in XXXX Ca where staff told XXXX not to sign or pay anything due to it would change the terms of the said contract. Ocwen has hot showed proof of any contract but took said amount of {XXXX} for XXXX  months but never sent a contract but took the money without a contract which shows XXXX new payment was and should still be {XXXX} by taking said funds they excepted the contract we were asked to show proof which is payments taking in a lower amount then it had been. so under the contract law we would like the {XXXX} back along with every fee applied from the day the new payment was excepted. Ocwen has been told times and ph numbers to call they still insist on calling the wrong numbers in each email they are told whom to call what time to call ect but still does n't apply to the direction giving to them XXXX has severe XXXX XXXX XXXX and XXXX XXXX which Ocwen has on file this has been so difficult with XXXX being sick. 
also Ocwen was asked to send a copy of the contract that was sent out for the {$XXXX do you know they sent a contract from XXXX its like they understand but they play like they do n't. also after the modification request do you know the modification offered was for {XXXX} dollars we do n't understand how its help when your not helping that just sent XXXX in to a downward spiral where we had to call the XXXX to afraid she my harm her self we have to watch her in this mind frame she just mite do something to hurt her self. I am c/o XXXX and my name is XXXX XXXX XXXX XXXX C/O 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 2017-09-29 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello. On XXXX of 2017, I purchased a "Used" XXXX Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options.The sales associate informed me I "have" to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he "knows what he's doing" since it is the "credit process" that will show XXXX approved me.Even when I submitted, the associate did not for once even show me other options (even though I had no desire to) and simply went through with my purchase.A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29 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: NE

Complaint narrative:
I HAVE SEVERAL INQUIRES I HAVE NO KNOWLEDGE OF. I DONT HAVE A CLOSE OR OPEN ACCOUNT WITH THEM AND DID NOT REQUEST CREDIT FROM THEM. WHEN I CONTACTED EQUIFAX THEY DID NOTHING, TOLD ME THEY COULD NOT DISPUTE THEM. THEY DIRECTED ME THE CREDITOR AND I HAVE SENT THEM LETTERS WITH NO REPLIES BACK. NON OF THE CREDIT BUREAU CENTERS WANT TO HELP OR REVIEW. XXXX XXXX XX/XX/XXXX5 ANDXX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXXXXXX XXXX, XXXX. XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXXI XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX    XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX CXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXL  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: Grant & Weber
State: CA

Complaint narrative:
The following collection agency Grant and Weber is reporting two accounts that have been disputed in the past. The company did not inform me of the reinsertion.

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 2017-09-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.

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 2017-09-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I went to the Trans Union web site just to get my free credit report. They must switch screens and you continue they ask for a credit card in order to continue. As soon as I realized what they did I found a way to cancel immediately and I wrote them a letter also telling them I was going to report them if they charged my credit card which they did. I try really hard as a senior to avoid the pitfalls that are on the internet, but the manner in which they get you to fill out the information was so totally deceptive. Maybe you could go to their web site and see how they do it. I did not think a financial reporting agency would be so deceptive and underhanded. I have excellent credit and get my score from XXXX and credit monitoring from XXXX and XXXX. I wrote all 3 credit agencies and sent each a check for {$10.00} to freeze my credit because of XXXX. I do not think it is right for anyone to trick you and to something and besides when I realized they tricked me I got in there a found a way to cancel, but they still charged me. I believe there is a law that says you have 3 days to cancel and I did that within the hour. The date was XXXX XXXX th and they charged me {$19.00}. I do n't want this to happen to other people especially seniors. Thank you for you time and consideration.

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 2017-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 3 accounts with capital one. Two accounts have my name on them and the third one has my husband and myself as account holders. Because i have one account in the negative they are freezing my husband account .this account has over 3,000 in federal funds fromFema and a court ordered check from my bankruptcy trustee. We were hit by hurricane Harvey and receive damaged. We need to fix our home and do n't have the funds to do so because capital one has frozen our money. The second account that i have on my name is in the positive but was closed by capital one deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
For two years I have attempted to reach the company known as central financial control which is reporting on my credit report as Syndicated Office Systems. I have attempted on numerous occasions to request validation of such accusations showing on my credit reports 4 different times from this company. According to my credit report {$750.00}, {$500.00}, {$590.00}, {$200.00}, {$1600.00} is showing placed on my credit report from 2012. I have called XXXX and spoke with several agents who couldnt give me any info other than, I OWE this debt. Practically how does syndicated office systems have the right to collect on a medical debt from Florida. I never received info if this company is licensed to do so. I feel my rights have been violated because upon looking on my credit reports the accounts may have been been re-aged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation