vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 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: RI

Complaint narrative:
I am writing because Experian is inaccurately reporting that I have a bankruptcy on my credit record. This has adversely affected me.I have attached a letter from XXXX showing that this false reporting has caused them to change my credit terms.

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
one XXXX XXXX XXXX account is reporting under my transunion and XXXX  credit reporting agencies, this is a fraud or inaccurate information reporting under my name, i had disputed this account and was removed from my credit file, but then after 7 months it reappeared, please i need you help to get to the bottom of this inaccurate reporting. i have attached my police report and the FTC report that shows this account number and the date was opened and the balance. this is not mine, needs to be removed as soon as possible. 
thank you for your cooperation

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 2019-04-10 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I am writing because XXXX is inaccurately reporting that I have a bankruptcy on my credit record. This has adversely affected me.I have attached a letter from XXXX showing that this false reporting has caused them to change my credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am a victim of credit card fraud and personal loans. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ny XXXX stole my identification in XXXX to borrow money etc from HSBC. Mr. XXXX stole my previous email address XXXX. my social security number etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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:
one XXXX XXXX XXXX account is reporting under my XXXX and experian credit reporting agencies, this is a fraud or inaccurate information reporting under my name, i had disputed this account and was removed from my credit file, but then after 7 months it reappeared, please i need you help to get to the bottom of this inaccurate reporting. i have attached my police report and the FTC report that shows this account number and the date was opened and the balance. this is not mine, needs to be removed as soon as possible. 
thank you for your cooperation

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 2019-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, I mailed XXXX XXXX a debt validation letter via priority mail. XXXX XXXX failed to respond and they failed to validate the alleged debt. On or about XX/XX/XXXX, XXXX XXXX  retaliated against me by reported the fraudulent debt to Multiple Credit Reporting Agencies, in violation of the the Fair Credit Reporting Act. On or about XX/XX/XXXX, I disputed the alleged debt and the fraudulent debt was removed from XXXX Credit reporting agency and I am awaiting the results from the other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: OR

Complaint narrative:
Experian is reporting XXXX - XXXX still, they are the only bureau reporting this erroneous account. It is 7 years old and needs to be removed. 
I have current accounts with them and this account you're reporting is not valid or accurate

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 2019-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I discovered that someone tried to authorize a wire from my checking account in the amount of {$17000.00} via email from XXXX. I immediately contacted the fraud department and reported this within hours. I then went into the branch and signed the fraud claim forms within an hour of reporting the fraud via phone. I was told the claim was escalated and would take 2-3 days, I have heard nothing and my funds have not been returned to me. I was instructed to close my checking and savings accounts and withdraw the remaining funds. I lost a day of pay from taking off work to do this. I had to stop all my auto bill pays. I had to deposit cash on to a prepaid debit card so I can pay bills. This has completely disrupted my life as I just moved XXXX weeks ago as well, the timing could not have been worse. I did not authorized this transfer, I do not know what it is for or who has hacked my account. I have no answers and am now without a substantial amount of my hard earned money that I worked for 10 years building equity in my home that I recently sold just to wake up one day and it's gone, Devastating, this is my life savings. My money should be returned while this is being investigated. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Dovenmuelhle Mortgage bought my Mortgage from XXXX XXXX. XXXX XXXX. or XXXX, that bought my mortgage from another company ( XXXX XXXX XXXX ). All this happened in less than two months. Dovenmuehle is now sending me certified letters and daily mail saying that I am in default of my loan. ALL the payments were made on time for my loan. I paid XXXX XXXX on XXXX XXXX, XXXX for XXXX as they still owned my loan to the best of my knowledge. On XXXX XXXX I paid my mortgage for XXXX to this other company ( I have bank proof as the payment was made online : XXXX XXXX XXXX XXXX   ). Some time in XXXX I found out the loan was sold once again. The original mail was sent to a very old address and I only got this notice very late as the post office forwarded the mail. Once I figure out the new company I paid them ( XX/XX/XXXX ) through an online account I created. Since then I have made every payment before the XXXX of the month. Yet, after like 15 phone calls where I am assured all is good, I continue to receive very threatening letters. I faxed the information about previous payments and who they were made to them on or around XX/XX/XXXX. I keep calling and calling but nothing gets solved. They still think I own money that the other company ( XXXX XXXX or XXXX. XXXX. XXXX XXXX ) should have paid them as I paid them and on time and proof of those payments was faxed to them. I really need help. I worry so much about bills that were already paid and I did NOT choose this company. I pay all my bills on time and now my credit is ruined because of the lack of organization of this company. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Just find this morning capital one inquiry was made without me known, I did authorized this inquiry, therefor I want it removed, it lower my score with XXXX by 70 points, please removed this inquiry and I notice more inquiries that are not mine XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX I do not recognize neither and did not authorized, there for I want them removed and deleted from my XXXX and XXXX I been working very hard to fix my credit report of all inaccuracies and unauthorized transactions, thank you this inquiries are in my XXXX and XXXX and also XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have sent prior request about a Mortgage reporting inaccurately on my credit report. There are plenty of errors concerning my account and the way this company kept its records. This account was reported by this company as being in a Bankruptcy Status since XX/XX/2011 however was never reported or updated to the Credit bureaus Please explain how and why this account was not reported correctly? I have sent more at least 3 request through the CFPB and they have admitted to this an other accounting errors on my credit report and stated they updated the payments but they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc
State: WA

Complaint narrative:
I used to live in an apartment building ( XXXX XXXX, XXXX, WA ). One day there was water leakage from above apartment ( Apartment # XXXX ) causing my carpet wet for many days. Management fixed the leakage but did not do anything to dry carpet. Carpet was wet for many days got ripped as time passed. I requested manager to change or repair carpet but she did not listen. In XX/XX/2018 i finally told manager if you don't change or repair my carpet i will not pay rent or i will move to somewhere else. She ignored and I did not pay rent and asked to repair carpet but she sent me a notice to pay rent or vacate apartment. She sent me 3 days evacuation notice on XXXX XX/XX/2018 without helping me out. I decided to move and i moved on XX/XX/XXXX and left keys with my neighbor XXXX apartment # XXXX because it was night time. XXXX handed over keys to manager next day. I called manger next days and informed that I left apartment yesterday and she said alright. But after couple of days she sent me an invoice for rent and new carpet change charges etc. My lease agreement was already finished in XX/XX/2018 and i was not signing lease because they were not changing or repairing my carpet. I was paying just month to month rent. I did not break any rental agreement. I have a copy of written complaint which was sent to rental company 's website about leakage and carpet problem. 
They wanted me to live with ripped and moldy carpet with my kids. Now they want to charge me for new carpet, attorney charges and rent ( $ 2200+ ) .The management ( XXXX XXXX ) sent bills to collection agency ( XXXX XXXX XXXX ) to collect money which is impacting my credit score and stress. I explained to XXXX credit bureau but they did not reply. Management also did not refund my {$600.00} security deposit.

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 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I have a garnish against me and just found out Trough the bank,, I never received a court order and no documents for me to know whats going on,, they put a hold on my bank acct and is against the law to sue someone if they dont know,, I never get the chance to defend myself

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 2019-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
Beginning XX/XX/2019 I was in phone call with lending service company OCWEN Loan Servicing.  The person on the phone specifically told me they had the Modification Application. Additionally told me the application had been reviewed and awaiting an answer. I then requested to speak to a " Relationship Manager ''. 

I received the call from the Relationship Manager on XX/XX/2019, where I was informed they in fact did not have the application only paystubs supporting income documentation. 
I at that time had to escalate my call to a supervisor to inform of this as it became a delay in the process of preventing foreclosure. And for the entire situation to be investigated internally. At this time I am uninformed as to whether forclosure is moving forward or if the application which they now have has placed a delay or stop to pending forclosure. 
Since the last call their system has been making attempts to call me when I answer the phone they hang up. 

Additionally, They refuse email service to send information which is what I require as I travel on business 330 days of the year, at times in other countries which becomes unfair practice, as I do not receive USPS mail in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I bought a house XX/XX/XXXX, my mortgage holder was pacific union financial. First payment was due XX/XX/XXXX which I made with bank check on XX/XX/XXXX which they cashed but never put towards my loan, mortgage was sold to XXXX XXXX XXXX beginning of XXXX and that money still has not been transferred over to them towards XXXX payment. MR Cooper apparently owns pacific union and they acknowledged the issue was correct but still nothing has been resolved..They are past their 60 days grace to transfer funds and they have had the money for almost 90 days. Most consumers don't have an extra {$840.00} sitting around unneeded to write off or be without this long, myself included. I have made XXXX and XXXX payments but are still late because of this missing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: GA

Complaint narrative:
I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I  am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency  have reported them verified and accurate when clearly they are not Also your agency has failed to state that XXXX purchased this account from XXXX as previous 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 2019-04-10 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: Midwest Recovery Systems
State: TX

Complaint narrative:
There is an issue with a derogatory mark/account on my credit report that inaccurate. This was not means I have no knowledge of who/where/how this appeared on my report. I attempted to dispute the error and received a reply that the information is accurate ; it is NOT accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: UT

Complaint narrative:
National Credit Adjusters - XXXX - has been reporting on and off on my credit report for 2 years for an account that is not mine. I have requested proof of this debt or any signed agreement to prove that it was mine and they can not produce it. The original creditor said that it was opened up on the east coast and I obviously do not live on the East coast. 

It is this companies responsibility to validate and account NOT me to validate that it isn't mine! It has been removed before and put back on and it is NOT MINE ...

I demand they prove to me that it is mine or they need to delete it from my credit report.

This is a clear violation of the FCRA and the FDCPA I have been referred to an attorney that I have given all the documentation regarding this account and I am prepared to take legal action against National Credit Adjusters and the original creditor because this has affected my financing on 2 occasions. 
I have been building my case for 2 years against them with their responses and the bureaus responses as well. 
The next correspondence will be from my attorney and the attorney general in their state of operation. 
I will fight this at whatever cost and I promise you I will win because this is NOT my account. 
Kindly Govern yourself accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I purchased a white XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The vehicle was valued at {$15000.00} and adjusted to {$13000.00} as a price match to their online service. Prior to this transaction, I have no credit information due to being twenty and just leaving college. The car was financed upside through XXXX XXXX with a 20 % interest rate, with no GAP insurance applied. This totaled the balance at {$17000.00} as the estimated payoff, unknown to myself at the time. While working with the associate, there was no mention of this insurance protection from the automotive sales rep or XXXX XXXX. All paperwork for the vehicle was not done in my presence. 

As of XX/XX/XXXX, the car has been deemed total loss with no way to repair. Currently, XXXX XXXX has applied {$12000.00} as the value of the car and what they will pay, and XXXX XXXX XXXX XXXX XXXX canceled my contract of service for {$1400.00}. This will leave me with a XXXX XXXX dollar balance that I am currently unable to pay. I am unemployed and seeking to return to school. This process and inability to protect their consumer has led me into an upside down situation from the first day I walked away with the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am XXXX old have never had a cell phone to date, ive sent letters to company and to reporting agencies to no avail, help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A review of my credit Equifax rating score was listed as XXXX on ( XX/XX/19 ) .And then upon another review made on ( XX/XX/19 ) found my then current score to be XXXX. Further invest of my credit report indicated that only two open accounts between the dates of XX/XX/19 & XX/XX/19 were updated by the lenders. 
1. XXXX reported a decrease of XXXX 2. XXXX Loans reported a decrease of XXXX. 

I then initiated a dispute with Equifax ( EQ ) on XX/XX/19 and a subsequent follow up was received ( XX/XX/19 ) from EQ without a credit correction score posting. Upon telephone ( call XXXX XXXX XXXX ) was advised that EQ could not explain the reason for posting the XXXX point decrease and/or that there was nothing that they could do to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
debt was paid to original owner, collection agency reporting false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: VA

Complaint narrative:
on XX/XX/2019 I sent in a request to Experian demanding that they show me proof of these account-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 2 XXXX XXXX accounts and XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act, they have to either send me written verification of these accounts with my signature or remove these said accounts from my credit report. They have failed to do either. I then sent in a 2nd letter on XX/XX/2019, asking them to send me proof of these accounts, and they still have yet to send in written verification with my signature as per the FCRA. I am sending in another letter this Saturday, XX/XX/XXXX, to get the verification that they have failed to provide or have these accounts removed. Since they have not sent this proof as per the FCRA, I ask that they remove these accounts immediately

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